Auto Underwriter

FMNE Insurance is seeking an Auto Underwriter to join our Auto Underwriting Department This role is ideal for a motivated, detail-oriented professional who makes sound decisions, and delivers fair, high-quality service to policyholders and agents. Join a stable, values-driven company with deep Midwest roots and a strong team-focused culture.


This position is not eligible for visa sponsorship. Applicants must be authorized to work in the United States on a full-time basis. Please submit a resume and cover letter for consideration.

We offer a competitive salary and a comprehensive benefits package, including health coverage, a generous 401(k), pension plan, wellness programs, and a hybrid work model for eligible employees.

Role Overview of an Auto Underwriter:

This position is responsible for, but not limited to, analyzing new applications and endorsement requests for the purpose of selecting those risks that are acceptable based on established Company rules and guidelines. Performs under established routine and practice regarding underwriting rules.


Responsibilities of an Auto Underwriter:

• Demonstrates the Company's mission, while successfully performing its core values related to integrity, service, excellence, stability, strength, respect, and teamwork.
• Analyze and evaluate applications and endorsement requests to approve or decline in accordance with Company rules and guidelines.
• Calendar binders based on the effective date. Follow up on unanswered requests for information and expiring binders.
• Communicate effectively, by phone, e-mail or in writing, with agents, applicants, or policyholders. regarding questions raised or submitted and/or to obtain additional underwriting information.
• Receive and handle unsolicited phone calls that originate outside the Company.
• Have occasional in-person contact with agents and policyholders concerning underwriting questions or policy changes.
• Assist agents in calculating quotes on new risks.
• Handle routine policy cancellations and, if needed, manually calculate unearned premium.
• Coordinate the allocation of policy premiums with the Accounting Department.
• Handle late and insufficient funds premium payments, which includes re-underwriting the policy file.
• Ensure smooth workflow and assist in training employees and/or overseeing their work as requested.
• Keep current on underwriting rules and regulations.
• Provide technical guidance to underwriters and clerical employees.
• Regular and timely attendance in the office is an essential function of the position.

Skills and Qualifications of an Auto Underwriter:

• High school diploma or equivalent required; associate or bachelor's degree in a related field preferred.
• Minimum of two years of experience in the insurance industry preferred.
• Completion of industry-related courses such as API, AINS, CPCU, or similar is a plus.
• Strong verbal and written communication skills, with the ability to interact professionally and effectively with agents, insured parties, and mortgagees/lienholders via phone, email, written correspondence, and in-person meetings.
• Proficient in using a personal computer, including familiarity with standard business software applications (e.g., Microsoft Office Suite).
• Demonstrated ability to perform detailed, precise work, take ownership of responsibilities, and collaborate effectively as part of a team.

FMNE Insurance Company recognizes that an individual with a disability may require accommodation to enable them to successfully perform a job function. Should you require such accommodation, please indicate the job function and suggested accommodation during the interview process. FMNE will attempt to make reasonable accommodation.