To perform account risk selection – acquiring and maintaining a profitable book of business through experience, sound judgment, underwriting standards and a positive attitude focusing on Customer Service.
Review applications, re-inspections and policy changes to evaluate, classify, terminate and/or modify policies according to underwriting guidelines.
Acquire and maintain knowledge of applicable policy contracts, endorsements, forms, manuals, coding information and other material pertinent to this position.
Work as a “team” with managers, underwriters, agents and their staff and other state office personnel.
Communicate with agents through direct conversation, telephone dialogue, e-mail, and letter composition and/or county visitation.
Use Motor Vehicle, Comprehensive Loss Underwriting Exchange Reports and other investigative reports to determine the acceptability of the risk.
Review and understand statistical information such as loss ratios and other company reports.
Quote rates for all lines of insurance using the KFB PC Quote system.
Work with agencies to establish profitable account risk selection.
Maintain a current workflow.
Assist agency staff with new systems and procedures.
Counsel with policyholders by phone and in person.
Record and/or monitor weekly production.
Stay updated on all departmental and underwriting procedures i.e., diary, forms.
Assist Underwriting Services and other departments on specific projects.
Return telephone calls and other correspondence promptly and with courtesy.
Complete insurance courses as requested.
Comply with Company Guidelines as defined in the Underwriting Manuals.
Will be responsible for production and profitability of business in assigned agencies.
Will participate in specific company directives focusing on profitability.
Attend and participate in meetings as required.
Regular and predictable attendance as employee has to physically be in the office.
This list of essential functions is non-exhaustive and may be supplemented as necessary.
Be adaptable, dependable, logical, investigative, and demonstrate positive thinking.
Be able to receive constructive criticism.
Coordinate and complete several tasks under time constraints.
Will be able to reason, negotiate and solve problems.
Interpret and communicate policy contract and underwriting guidelines.
Deal with others in a diplomatic and professional manner.
Represent KFB in a professional manner.
Relate and interact with agents, agency personnel, customers and fellow KFB employees.
Travel overnight; attend meetings and conferences as requested.
Conduct agency visits as requested.
Provide supportive attitude toward department and corporate goals.
Strive to provide positive leadership ability.
Demonstrate the traits of a KFB leaderIntegrity above reproach
Service leadership style
Passionate focus on company vision and customer
Strong communication skills-open, inclusive, proactive
Positive, supportive attitude-infuser of confidence in your people, calm in the face of adversity
Considers context and connectivity of actions
Decision maker-fact based
Personal and professional growth
Physical demands: Normal vision/hearing (with or without correction); Speaking; Travel (limited).
Mental demands: Analytic reasoning; Prolonged concentration; Patience to deal with frequent interruptions; Strong attention to detail; Ability to adjust to workplace changes.
Environmental factors: Standard office lighting, temperature, and noise.
Equipment: Telephone; Calculator; Personal computer; Copy machine; Fax machine.
Bachelor’s Degree or a combination of formal education, training and experience to acquire knowledge and skills generally equivalent to those possessed by a college graduate, or, General Insurance Certificate (INS 21, 22, 23).
Underwriting experience preferred.
Good verbal, listening and written skills.
Good math aptitude.
Good organizational and public relations skills.
Good computer skills.
Good problem-solving and creative-thinking skills.
Self-motivated with the ability to work independently.