Hard Skills

• Risk assessment
• Policy underwriting
• Premium calculation
• Loss ratio analysis
• Coverage evaluation
• Underwriting guidelines
• Exposure analysis
• Portfolio management
• Claims history review
• Financial statement analysis
• Credit risk evaluation
• Reinsurance coordination
• Underwriting audits
• New business underwriting
• Renewal underwriting

Technical Proficiencies

• Underwriting software
• Policy administration systems
• CRM systems (Salesforce or similar)
• Rating tools
• Microsoft Excel (VLOOKUP, pivot tables)
• Microsoft Word
• Data analysis tools
• Document management systems
• Workflow management tools
• Risk modeling tools

Industry & Product Knowledge

• Commercial lines underwriting
• Personal lines underwriting
• Property and casualty (P&C)
• Life insurance underwriting
• Health insurance underwriting
• Professional liability
• Workers’ compensation
• Auto insurance
• Homeowners insurance
• Regulatory compliance
• Insurance regulations
• Risk appetite frameworks

Soft Skills

• Analytical thinking
• Attention to detail
• Decision-making
• Judgment and discretion
• Problem-solving
• Negotiation
• Customer service orientation
• Stakeholder communication
• Collaboration with brokers and agents
• Time management
• Prioritization
• Adaptability

Regulatory & Compliance Keywords

• Underwriting compliance
• Risk and governance
• Internal controls
• Documentation standards
• Audit readiness
• Anti-money laundering (AML) awareness
• Know Your Customer (KYC) principles

Action Verbs

• Underwrote
• Assessed
• Evaluated
• Analyzed
• Priced
• Negotiated
• Approved
• Declined
• Reviewed
• Mitigated
• Optimized
• Streamlined
• Collaborated
• Advised
• Monitored