Underwriter

IAT Insurance Group has an immediate opening for a personal lines Underwriter, from our Sarasota, FL location.

The Underwriter will be part of a team responsible for overseeing and auditing Managing General Agent (MGA) underwriting activities to ensure adherence to underwriting authority, company guidelines, and regulatory standards. The position requires conducting regular file reviews, portfolio audits, and performance analyses to identify trends, risk exposures, and compliance gaps.

The Underwriter will collaborate with MGA partners to address audit findings, implement corrective actions, and drive continuous improvement efforts.

This role works a hybrid schedule that requires working from the office Monday through Wednesday, with the option of working Thursday and Friday remotely.

Responsibilities:

• Oversee and audit underwriter file handling, risk evaluation and processing activities to ensure adherence to underwriting guidelines, authority and regulatory requirements
• Conduct file reviews and program audits to analyze underwriting quality and compliance with established standards and regulatory requirements
• Monitor portfolio performance, including profitability, loss ratios and underwriting quality across delegated authority, and applicable state regulations
• Identify trends, process breakdowns, and control gaps, and document audit findings, key risks and observations
• Provide recommendations for corrective actions and process improvements and track remediation efforts through completion
• Oversee MGA handling of department complaints and rescission activity, including review and approval/declination of responses and determinations to ensure compliance with regulatory requirements and company standards
• Support internal audits, regulatory exams, and compliance initiatives by providing documentation, underwriting rationale, and subject matter expertise
• Collaborate cross-functionally, as needed, to address identified issues and support process improvement
• Maintain thorough documentation of audit activities, findings, and follow-up actions
• Stay current of regulatory requirements, underwriting practices, and industry trends
• Participate in training and professional development activities to continuously enhance underwriting knowledge, and technical expertise
• Perform other duties as needed

Qualifications:

Must-Have:

• 5+ years of residential insurance underwriting experience.
• Bachelor’s degree in business, finance, insurance, or a related field
• Advanced proficiency in Microsoft Excel
• 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 certifications (e.g., CPCU, AINS, AU) are a plus.

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.