An Underwriter is responsible for evaluating insurance applications to assess risks and decide whether to approve, modify, or reject them. This role involves determining premiums and policy terms based on risk analysis and established guidelines and collaborating with actuaries, claims adjusters, and other professionals to identify risk factors and develop solutions. The Underwriter analyzes financial and statistical data to determine insurance risks and identify trends, stays current with industry developments, regulatory requirements, and best practices, and communicates risk assessments and decisions to stakeholders clearly and concisely. The ideal candidate should have a Bachelor's degree in Business, Finance, Mathematics, or a related field, proven experience as an Underwriter or in a similar role, and strong analytical and decision-making skills. Knowledge of underwriting principles, policies, and procedures, along with the ability to work independently and as part of a team and excellent communication and collaboration skills, are essential for success in this role.