Job Information
California Dental Association Insurance Underwriter II in Sacramento, California
Position is mostly remote with occasional in office meetings and trainings. Preference for candidates in the Sacramento region.
Pay range - $70,000 - $90,000
Responsible for sound decision making regarding risk acceptability by applying underwriting principals through loss exposure analysis. Must have ability to make sounds decisions in the selection, rating, control and servicing of the book of business. Works under the supervision of management within authority granted to maintain profitability and promote growth. Excellent communication and customer services skill are critical. Acts as an internal resource across all TDIC Product Lines; Professional Liability, Employment Practices Liability, Property, General Liability and Workers Compensation.
Essential competencies:
Critical Thinking (decision making and problem solving)
Communication (approachability)
Relationship (collaboration)
Essential Functions – must be able to perform with or without a reasonable accommodation
Analyze new business applications, renewal questionnaires and endorsement requests to achieve profitable underwriting results. Determines acceptability of requests through loss exposure analysis.
Responsible for the continued growth of the book of business by promptly responding to questions, concerns and complaints from agents, policyholders and internal staff. Must be to work independently and discuss accounts with claims and risk management to obtain additional information about the insured to assess quality of book.
Develops and maintains positive working relationships with co-workers, agents, peers and other business contacts and company personnel. Responsible for providing excellent customer service through the daily management of the book, to ensure policy retention.
Compiles and interprets data for evaluation of assigned book of business. Responsible for researching, analyzing, reviewing and assisting Senior Underwriter(s) in presenting potential accounts for non-renewal to the TDIC Underwriting Committee. With management guidance, gains exposure to the TDIC Underwriting Committee and the appeal process.
Responsible for communicating both verbally and through written correspondence to applicants, policyholders, claims, risk management, state agencies, brokerage staff and others concerning coverage, premium acceptability and policy language. Provides training and acts as a resource to less experienced underwriting staff.
Must be able to assist in the training of other departments/companies on an as needed basis through scheduled training sessions or informally through individual questions.
Be responsive to policyholder’s questions or request for cover and help to research and develop information on the feasibility of their requests.
Under management direction, responsible for researching and analyzing underwriting topics related to state regulatory requirements, the dental practices act and the TDIC policy form, in all states that TDIC writes coverage.
Interact with state licensing board to verify status of applicant and policyholders’ state dental licenses.
Take continuing education classes to keep agent licenses current. Must maintain familiarity and proficiency while underwriting multi product, multi-state exposures. Must adhere to rules and regulations as filed with each states Department of Insurance.
Responsible for procedural manuals updates.
Acts a subject matter expert for Guidewire defect identification, research, and testing. Mentors, trains, and provides direction to underwriting assistants in their daily work activities.
Reviews reports and processes changes as needed
Ability to maintain accuracy and acceptable department service level standards while maintaining strict compliance to regulatory requirements.
Non-Essential Functions
Represent underwriting in related meetings and seminars, and complete special projects as directed by management.
Perform other duties as assigned.
Required Education, Licenses & Experience
Bachelor degree or equivalent industry experience.
Property and Casualty License is required. If not held, must be willing to obtain Property and Casualty license.
AIS designation required. AU, ARM, RPLU, CPCU in progress of obtaining such designation
Must have at least three years of experience in medical professional and/or commercial insurance.
Must have the ability to read, analyze and interpret policy, procedures and regulations.
Critical Thinking skills : deciding with intention, reflection and reason; clarifying purpose, evaluating alternatives and analyzing risks.
Critical thinking skills : applying analysis, creativity, resilience and logic to reach optimal outcomes; developing and implementing solutions.
Communication skills : being consistently approachable, open to feedback direct and truthful; building trust and authentic professional relationships.
Relationship skills : participating as an active, contributive and supportive member of a team to achieve shared goals; listening, sharing and trusting.
Ability to solve practical problems and deal with a variety of set variables in situations where only limited standardization exists.
Proficient computer skills, including, Excel, Word, PowerPoint.
Demonstrate excellent verbal, written and interpersonal communication skills; demonstrating diplomacy and tact while interacting with all levels within and outside the organization.
Ability to work in a deadline driven, fast-paced environment.
Demonstrate proficiency in managing own workflow, prioritizing multiple work assignments and resolving questions and problems with management and peers.
Ability to perform job duties independently, exercising good judgement and professionalism.
Preferred Education, Licenses & Experience
Ability to interpret a variety of instructions furnished in written, oral, diagram or scheduled form. Proficiency in using both objective and subjective thought processes in performing job duties.
Working Conditions Occasionally (1-33%) Frequently (34-66%) Constantly (67-100%)
Constantly reviewing and analyzing data on a computer screen and physical documents.
Frequently maintains a stationary position.
Occasionally moves around the office to access file cabinets, office machinery, etc.
We Are CDA
Over our 150-year history, the California Dental Association (CDA) has become a leader in oral health throughout California and the country. Today, we continue to support our community of over 27,000 dentists through our family of companies, which include The Dentists Insurance Company (TDIC), TDIC Insurance Solutions, Rotunda Partners and the CDA Foundation. At CDA, we value individual talents, encouraging a diverse, collaborative, and innovative work environment fueled by new ideas. As our organization continues to grow, we invite you to be a part of what’s next.
CDA is an equal opportunity employer and is committed to the principle of equal employment opportunity for all employees and providing a safe work environment. CDA does not tolerate discrimination or harassment and all employment decisions are based on job requirements and individual qualifications, without regard to race, color, religion, national origin, age, gender, gender identity or expression, sex, ancestry, citizenship status, mental or physical disability, genetic information, sexual orientation, veteran or military status. If you have a disability or special need that requires accommodation, please contact us at humanresources@cda.org.
CDA and its related companies have adopted a mandatory vaccine policy to be physically present in any organization office or attend any organization or job related meeting or event in person. Upon hire, candidates will be required to submit proof of vaccination or request an exemption from the policy due to a qualified medical condition or sincerely held religious belief.
To see our privacy policy, go to www.cda.org/Home/About/Careers-at-CDA/Apply
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