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Underwriting Representative

Job Details

Headquarters - Baltimore, MD
High School
Customer Service


Underwriting Representative

Maryland Auto Insurance is a Property & Casualty Insurance carrier and independent agency of the State of Maryland. We’re located in the Locust Point neighborhood of Baltimore, featuring a variety of restaurant and shopping options in walking distance from the office. This position is ideal for candidates who desire flexible work schedules as well as South Baltimore residents looking for a position close to home. This position offers a hybrid work schedule, with remote workdays and a required minimum of two in-office workdays per month.

Nature of Work:

This is the intermediate level of processing work in the Underwriting Department. At this level, the employee processes insurance policies, services incoming phone calls; and/or provides training support to producers and others. This position performs a wide range of duties under general supervision and exercises independent judgment and decision-making of routine tasks.

In addition to the information contained in this position description, work standards are established by the department. The employee’s performance is measured using these work standards.


I. Major Responsibilities:

  • Assist with processing new business, rewrites, endorsements, cancellations, and other queues
  • Provide customer service via phone or in-person for producers, premium finance companies, and policyholders by answering questions relating to eligibility, rating and other general problem resolutions or inquiries
  • Communicate, support, and maintain positive relationships with producers, premium finance companies, and other external or internal partners
  • Provide liaison support between internal and external customers such as obtaining pertinent information from a producer or finance company and sharing this information with the appropriate department or management
  • Identify procedural, processing, or systems issues and escalate to management to review or implement
  • Complete special projects of a routine nature (e.g. projects requiring policy level data analysis, systems evaluations, producer issues)
  • Manage customer transactions or interactions in person
  • Assist and participate in the on-the-job training of other employees
  • Perform other necessary duties



II. Education and Experience Required:

Education - High school diploma or high school equivalency certificate.

Experience - Three years of experience in customer service work, including two years working for an insurance company, agency, or broker. Education at an accredited college or university may substitute for the required experience at a rate of thirty credits to one year of experience.

III. Other Required Knowledge/Skills/Abilities:

  • Intermediate underwriting and/or phone service knowledge
  • Basic knowledge/skill in the use of IT equipment/phone system, office practices and procedures
  • Ability to make effective decisions
  • Ability to effectively communicate both verbally and written
  • Ability to establish and maintain harmonious working relationships with other employees, industry-related professionals, and the general public
  • Ability to manage time efficiently and effectively
  • Ability to adapt to changes in laws, policies, rules, guidelines, and procedures
  • Ability to independently review insurance applications for completeness and accuracy, and determines if there are potential fraud concerns


IV. Behavioral Competencies:

  • Professionalism: Represents Maryland Auto Insurance well by conveying a positive image through his/her actions. Builds rapport with other employees. Uses diplomacy and tact, is considerate, has regard for, thinks carefully about, and pays attention to others’ feelings. Maintains a calm demeanor under difficult circumstances. Consistently provides high level of internal and external customer service.
  • Initiative: Is pro-active and a self-starter. Frequently contributes worthy ideas and suggestions. Identifies what needs to be done, takes action, and solves problems before being asked or the situation requires it. Openly embraces and adapts to new organizational structures, procedures, methods, techniques, and technology.
  • Teamwork: Works effectively with others in order to achieve organizational goals. Is willing to assume leadership role when asked. Volunteers to assist others whenever possible. Encourages others to collaborate.

V. Special Requirements (i.e.: Licenses, Registrations, Certifications)

  • Ability to work remotely and onsite as needed
  • Employees at this level are encouraged to take insurance industry courses such as IIA or CPCU courses, or other college level courses.

The Maryland Automobile Insurance Fund, a Property & Casualty Insurance carrier and Independent Agency of the State of Maryland is located in the charming Locust Point neighborhood of Baltimore. We offer an excellent benefit package including comprehensive health & dental coverage, pension plan, 401(k) plan, incentive program tied to strategic corporate and departmental goals and tuition reimbursement. Generous leave package and free-onsite parking available.

Maryland Auto Insurance is a drug-free workplace and an equal opportunity employer, committed to diversity in the workplace. We do not discriminate on the basis of race, color, religion, age, sex, marital status, national origin, physical or mental disability, familial status, genetic information, gender identity or expression, sexual orientation, or any other characteristic protected by State or federal law. Applicants who need an ADA Accommodation for an interview should request the accommodation when notified of a request to be interviewed. Applicants must be United States citizens or eligible to work in the United States.