Title: Underwriter - Surety Bond Underwriting locations Lansing, MI time type Full time job requisition id R_13861 Job Description: A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs. Job Description We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, you could have the flexibility of work-from-home time as defined by the leadership team. Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company’s underwriter training program for the assigned line of insurance and requires the person to: - Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions - Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use - Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment - Analyze loss experience, financial conditions and physical characteristics of risks - Acquires a working knowledge of supporting sections of the underwriting department - Effectively communicate with independent agents and other associates through verbal and/or written means - Participate in and successfully complete the Company underwriter training program Desired Skills & Experience - Bachelor’s degree or direct equivalent experience with property/casualty underwriting - Ability to organize data, multi-task and make decisions independently - Above average communication skills (written and verbal) - Ability to write reports and compose correspondence - Ability to resolve complex issues - Continually develop product knowledge through participation in approved educational programs Benefits Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you! Equal Employment Opportunity Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law. *Please note that the ability to work in the U.S. without current or future sponsorship is a requirement. #LI-BK1 #LI-Hybrid

Role Description - The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness. - Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. - Review all required loan data, reports, and inspections to ensure the collateral is acceptable to investor and the company. - Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. - Provides final approval underwriting of mortgage loans. - Completes all required paperwork and forms in a timely and accurate manner; prepares required forms. - Sign off conditions in a timely manner set by management. - Work with staff and management to find solutions on escalated loans. - May be requested to make recommendations for improving Internal Audit’s policies and practices. - Manage loans by using all functions of Encompass. - Effectively communicate underwriting decisions with processors and advisors. - Maintain a high level of customer service and communication with other departments. - Other duties as assigned. Qualifications - Any Graduate or Above - 3 to 8 Years of Relevant Experience Requirements - Live underwriters - 4C’s - Collateral Capacity - Credit & Income - Mortgage loans - Loan data, reports, and inspections Benefits - CTC Range: 8 - 15 LPA (Lakhs Per Annum) - Notice period: 30 days - Shift Timing: Night Shift - Mode of Interview: Face 2 Face Interview - Mode of Work: Work From Home

Title: Underwriter, Inland Marine & Property Location: AZ Scottsdale Business Site Job Description: IAT Insurance Group has an immediate opening for an Inland Marine & Property Underwriter from our Scottsdale, Arizona location. We’re looking for someone who’s ready to play a meaningful role in expanding our presence across the region. You’ll manage an existing portfolio while actively building new business, helping grow our footprint in a region that’s a key focus for us. This is a role for someone who wants to make an impact, not just maintain the status quo. This isn’t a behind-the-scenes role. It’s visible, collaborative, and growth focused. This position follows a hybrid schedule: in the office Monday through Wednesday, with the option to work remotely on Thursday and Friday. Responsibilities: - Review and analyze underwriting files, using judgment and experience as primary criteria, to accept new business or continue renewals within established authority level - Review and analyze all documents within or associated with the underwriting file to establish accuracy in identification and minimizing risk of exposure, utilizing change requests, claim information, loss control and outside databases to identify changes in exposure to risk - Review, evaluate and determine account premium levels using sound judgment consistent with established company premium modification plans within authority limits - Read, evaluate and interpret contracts and policies to determine exposures providing guidance and clarification to others consistent with experience - Provide clarification and verification of coverage to the Claims Department consistent with experience - Market to assigned agencies to achieve acceptable new business flow - Assess agency activity; provide clarification to agency personnel about company’s position in annual visits to assigned agencies consistent with experience - Perform other tasks as needed Qualifications: Must-Have: - Bachelor’s degree in Risk Management, Finance, Business, Economics, or a related field, or equivalent combination of education and relevant experience - 2+ years of inland marine and/or property underwriting experience - Solid understanding of the insurance marketplace, including pricing and competitive positioning - Proven ability to build and maintain broker relationships that drive new and renewal business - Experience managing a book of business while contributing to growth - Strong skills in pricing, risk selection, and deal structuring - Working knowledge of industry trends, products, and the broader competitive landscape - To qualify, applicants must be authorized to work in the United States and must not require VISA sponsorship, now or in the future, for employment purposes Preferred to Have: - Industry designations CPCU, ARM, or AU - INS21, 22 and 23 - Exposure to loss control or risk engineering All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. We maintain a drug-free workplace and participate in E-Verify. To view details of our full benefits, please visit: https://www.iatinsurancegroup.com/careers/benefits IAT Insurance Group is the largest private, family-owned property and casualty insurer in the U.S. Insurance Answers Together® is how we define IAT, in letter and in spirit. We work together to provide solutions for people and businesses. We collaborate internally and with our partners to provide the best possible insurance and surety options for our customers. At IAT, we’re committed to driving and building an open and supportive culture for all. Our employees propel IAT forward – driving innovation, stable partnerships and growth. That’s why we continue to build an engaging workplace culture to attract and retain the best talent. We offer comprehensive benefits like: - 26 PTO Days (Entry Level) + 12 Company Holidays = 38 Paid Days Off - 7% 401(k) Company Match and additional Profit Sharing - Hybrid work environment - Numerous training and development opportunities to assist you in furthering your career - Healthcare and Wellness Programs - Opportunity to earn performance-based bonuses - College Loan Assistance Support Plan - Educational Assistance Program - Mentorship Program - Dress for Your Day Policy All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. We maintain a drug-free workplace and participate in E-Verify.

Title: Senior Underwriter Inland Marine & Property Location: NJ Jersey City Business Site Job Description: IAT Insurance Group has an immediate opening for Senior Inland Marine & Property Underwriter from our Jersey City or Newark, New Jersey; Norristown, Pennsylvania; or Cheshire, Connecticut locations. In this position you will manage an existing portfolio while actively building new business, helping grow our footprint in regions that are key focus areas for us. You’ll work closely with brokers who value strong partnership and clear, confident decision-making. Expect to be in the market shaping deals, strengthening relationships, and writing business that performs. This isn’t a behind-the-scenes role. It’s visible, collaborative, and growth focused. This position follows a hybrid schedule: in the office Monday through Wednesday, with the option to work remotely on Thursday and Friday. Responsibilities: - Manage and grow a profitable book of inland marine and property business across the Region - Build strong, lasting relationships with agency partners to drive consistent and high-quality new business - Evaluate submissions, pricing, and coverage structures using sound judgment making clear, confident decisions - Analyze loss runs, exposure changes, and underwriting data to fully understand the risk behind every account - Set pricing that reflects exposure and performance, using loss analysis and experience to guide decisions - Structure accounts thoughtfully, using deductibles, coverage adjustments, or other tools to get deals across the line the right way - Review policy language and contracts to ensure coverage intent is clear—for both brokers and internal teams - Partner with claims and internal stakeholders to clarify coverage when questions arise - Perform other duties as needed Qualifications: Must-Have: - Bachelor’s degree in Risk Management, Finance, Business, Economics, or a related field, or equivalent combination of education and relevant experience - 4+ years of inland marine and/or property underwriting experience - Solid understanding of the insurance marketplace, including pricing and competitive positioning - Proven ability to build and maintain broker relationships that drive new and renewal business - Experience managing a book of business while contributing to growth - Strong skills in pricing, risk selection, and deal structuring - Working knowledge of industry trends, products, and the broader competitive landscape - To qualify, applicants must be authorized to work in the United States and must not require VISA sponsorship, now or in the future, for employment purposes. Preferred to Have: - Industry designations CPCU, ARM, or AU - INS21, 22 and 23 - Exposure to loss control or risk engineering—you think beyond the submission and into the actual risk All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. We maintain a drug-free workplace and participate in E-Verify. Compensation: Please note, that the annual gross salary range associated with this posting is $63,270 – $153,200. Actual salaries will vary based on factors such as a candidate's qualifications, skills, competencies, and geographical location related to this specific role. The total compensation will include a base salary, performance-based bonus opportunities, 401(K) match, profit-sharing opportunities, and more. IAT Insurance Group is the largest private, family-owned property and casualty insurer in the U.S. Insurance Answers Together® is how we define IAT, in letter and in spirit. We work together to provide solutions for people and businesses. We collaborate internally and with our partners to provide the best possible insurance and surety options for our customers. At IAT, we’re committed to driving and building an open and supportive culture for all. Our employees propel IAT forward – driving innovation, stable partnerships and growth. That’s why we continue to build an engaging workplace culture to attract and retain the best talent. We offer comprehensive benefits like: - 26 PTO Days (Entry Level) + 12 Company Holidays = 38 Paid Days Off - 7% 401(k) Company Match and additional Profit Sharing - Hybrid work environment - Numerous training and development opportunities to assist you in furthering your career - Healthcare and Wellness Programs - Opportunity to earn performance-based bonuses - College Loan Assistance Support Plan - Educational Assistance Program - Mentorship Program - Dress for Your Day Policy All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. We maintain a drug-free workplace and participate in E-Verify.