Follow established procedures for reviewing new and renewal applications, assessing risk eligibility, and providing competitive pricing guidance. Accurately rate new business, renewals, and endorsements for assigned programs. Communicate with internal and external customers to gather and analyze insurance information, supporting underwriting activities such as quoting, binding, issuing, and endorsing policies. Ensure compliance with referral criteria outside of underwriting authority. Prepare files for underwriter approval outside of authority by performing preliminary review and evaluation of the risk. Issue policies in accordance with state requirements. Work within pre-established timeframes and underwriting authority to meet service standards. Review and process transactional items for individual risks. Document and communicate policy approvals or rejections to the underwriting team and customers in a timely manner. Maintain and update personal and assigned library manuals within established guidelines. Perform other work-related duties and projects as assigned. Bachelor’s degree preferred; high school diploma or equivalent education and/or experience required. 2–5 years of experience in commercial Property and Casualty insurance, with comprehensive understanding of insurance concepts, practices, and procedures. Experience in rating and underwriting, ideally acquired in a role such as Underwriting Specialist. Ability to work independently and exercise good judgment in accordance with regulatory and carrier requirements for moderately complex items. Proficiency in Microsoft Office products. Strong mathematical skills and solid aptitude for numerical accuracy. Excellent verbal and written communication skills. Strong organizational and time management skills to meet deadlines.