Health Underwriter jobs in Warren, MI

Health Underwriter reviews applications for coverage, gathers data, and assesses risk related to qualifying a candidate for health insurance. Calculates and recommends pricing. Being a Health Underwriter performs group and/or individual underwriting. May require a bachelor's degree. Additionally, Health Underwriter typically reports to a supervisor or manager. The Health Underwriter gains exposure to some of the complex tasks within the job function. Occasionally directed in several aspects of the work. To be a Health Underwriter typically requires 2 to 4 years of related experience. (Copyright 2024 Salary.com)

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Underwriter
  • Michigan First Credit Union
  • Village, MI FULL_TIME
  • Location : Address: 27000 Evergreen Location : City: Lathrup Village Location : Postal Code: 48076 Responsibilities:
    JOB SUMMARY:
    Primary responsibilities include the day-to-day underwriting of Consumer, Indirect and Business loans. Evaluates the character, capacity and possible collateral of borrowers to make the appropriate loan decision.


    KEY JOB RESPONSIBILITIES:
    • Assumes responsibility for reviewing and accurately evaluating the credit worthiness of potential borrowers.
    • Evaluates applicant’s employment history. Ensures that the probability of continued employment is good. Verifies applicant had adequate employment history and ensures that all income used in qualifying is expected to continue. Evaluates likelihood of job tenure.
    • Evaluates adequacy of the applicant’s income and the probability that the member will be able to meet the expected financial obligations. Examines income trends and determines possibilities for increased income in future years.
    • Reviews borrower’s credit. Reviews the manner in which obligations have been met and financial affairs managed. Investigates derogatory credit.
    • Completes all underwriting functions in accordance with various program requirements, Michigan First Credit Union standards, and related legal and regulatory requirements.
    • Ensures a documented record is kept of the underwriting process documentation in the application notes.
    • Ensures that all lending conditions have been satisfactorily met prior to closing. Assumes responsibility for reviewing appraisals and ensuring that determined values are well documented.
    • Ensures properties do not need repairs, and sets conditions for inspections if repairs are necessary.
    • Reviews comparables to ensure they meet the guidelines for adjustments.
    • Reviews appraisal and ensures that risks are appropriate and meet all guidelines of the applicable loan type.
    • Assumes responsibility for establishing and maintaining professional working relations with members and external lending professionals and governmental agencies.
    • Develops and grows the loan portfolio with quality loans and superior service to our Members.
    • May work with outside vendors (Dealers, business partners, etc.) to establish a relationship with the Credit Union that provides superior level of service to our members.
    • Maintains awareness of changes in the credit granting field, including government regulation, technological advancements in computerized credit granting, consumer needs and preferences, and other related topics.
    • Ensures the Core Values, Isms and other aspects of the culture are upheld. Be an advocate of the Michigan First culture, supporting diversity, philosophy and other Credit Union initiatives. Fosters a positive image of Michigan First via professional representation in all contacts and complies with all of Michigan First’s mission and vision goals.
    • Keeps management informed of area activities and of any significant problems, or trends noticed that could be detrimental to the Credit Union.
    • Completes special projects as assigned.
    Qualifications:
    QUALIFICATIONS/REQUIREMENTS:
    • Must have at least five years’ underwriting experience in a bank, credit union, finance company or savings and loan, or the equivalent combination of formal training and experience obtained at a credit granting institution of comparable size and complexity. Manual underwriting experience is required.
    • Experience working in indirect lending, finance company, consumer lending or working with car dealerships is a plus.
    • Must have experience preparing loan production reports, analyzing reports and developing appropriate recommendations and solutions to present to leadership.
    • Must have a proven track record of following ethical standards, making solid decisions and following safe and sound lending practices.
    • Need to have experience utilizing a loan processing system and a Personal Computer. Must have experience with Microsoft Applications such as Excel, Word and Power Point.
    • Must have excellent written and verbal presentation and communication skills.
    • Must be able to present professionally, persuasively and effectively to external and internal individuals and/or groups.
    • Must have the ability to read and interpret documents such as lending policies, regulation and respect lending (i.e. Regulation Z, The Fair Credit Reporting Act, etc.)
    Who We Are:
    Michigan First Credit Union was founded more than 90 years ago by educators and now delivers world-class service to more than 165,000 members at our branches throughout Michigan, and we’re growing! We offer financial solutions for every life stage and seek to positively transform our members’ lives through personalized service that meets their unique needs.

    Simply put, Michigan First Credit Union’s sole mission is to provide the highest quality member experience. Working here, you’ll get to participate in a strong culture centered around service, professionalism, and growth.

    Michigan First highlights:
    • 500 team members
    • 30 locations spanning the Lansing area, Grand Rapids and Metro Detroit.
    • Industry leader in community support and charitable giving through the Michigan First Foundation
    • Member Services Call Center operates 24/7/365
    • Over $1.5 Billion in assets
    Awards Michigan First Credit Union has been the proud recipient of:
    • 2023 Best & Brightest in the Nation
    • 2023 Best & Brightest in Metro Detroit
    • 2023 Best & Brightest in West Michigan
    • 2023 Best Credit Unions to Work For
    • 2023 Best Places to Work in Southeast Michigan
    • 2023 Channel 4 - Vote for the Best - Mortgage Lenders (1st Place)
    • 2023 Channel 4 - Vote for the Best - Credit Unions (3rd Place)
    • 2023 Detroit Free Press Top Workplaces
    • 2023 Michigan Veterans Affairs Agency - Certified Veteran Friendly Employer - Bronze Level
    • 2021 Credit Union of the Year by NAFCU (National Association of Federally-Insured Credit Unions)

    Benefits and perks of joining our award-winning team include:
    • Very competitive pay
    • Low-cost medical, dental, and vision benefit options. Employer-paid life and disability insurance
    • 401(k) - 100% match up to 5% deferral
    • Tuition reimbursement for both Undergraduate and Graduate degree program
    • Access to a complimentary concierge service that assists with nearly any item on your to-do list
    • Free, state-of-the-art fitness center at our Lathrup Village headquarters with exercise equipment, showers and locker rooms
    • Wellness initiatives and events throughout the year to help team members stay healthy
    • Loan discounts for certain secured and unsecured loans and mortgages
    • Opportunities for pay increases, incentives and profit-sharing, based on performance
    • Onsite subsidized top notch Cafe 26 for team members' use
    • Onsite bowling center

    Michigan First Credit Union is an Equal Opportunity Employer.
  • 7 Days Ago

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Associate Underwriter
  • Burns & Wilcox
  • Farmington, MI FULL_TIME
  • Responsibilities When someone needs coverage for the unique, the unusual, or the unconventional, they come to Burns & Wilcox. Our Associate Underwriters underwrite and supervise a portion of an Underw...
  • 21 Days Ago

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Assistant Underwriter
  • Allied Insurance Managers Inc.
  • Rochester, MI FULL_TIME
  • We’re rapidly expanding and looking for an insurance underwriting assistant to help move insurance policy decisions forward. In this position, you’ll collect and enter accurate information for new, ex...
  • 21 Days Ago

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Underwriter III
  • UWM
  • Pontiac, MI FULL_TIME
  • THE GIG United Wholesale Mortgage (UWM) is America’s #1 mortgage lender, and we’re looking for college grads who want to excel as an underwriter. Must-Knows This is an 8-hour shift, Monday–Friday This...
  • 22 Days Ago

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Assistant Underwriter
  • Atain
  • Farmington, MI FULL_TIME
  • Responsibilities Responsible for assisting a team of underwriters with Casualty and Excess Liability business on a brokerage basis and via a domestic binding authority facility issued to a nationwide ...
  • 5 Days Ago

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Underwriter - CURE
  • NJ CURE
  • Detroit, MI FULL_TIME
  • Underwriter - Auto InsuranceAn Underwriter is responsible for analyzing new business and renewal applications to verify the risk is acceptable and properly rate the policy while working within the dep...
  • 11 Days Ago

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0 Health Underwriter jobs found in Warren, MI area

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Personal Lines Underwriter
  • Burns & Wilcox
  • Farmington, MI
  • : Responsibilities: Responsibilities: Supporting profitable growth of the Personal Lines business across country Manage ...
  • 3/28/2024 12:00:00 AM

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Remote Insurance Agent
  • Symmetry Financial Group The Clayton Agency
  • Warren, MI
  • Simple Solutions Financial Service needs the right agents to help our growing clientele build an asset and not a liabili...
  • 3/27/2024 12:00:00 AM

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Work from Home-Mortgage Protection Insurance Agents
  • Shonda Crawford Insurance
  • Warren, MI
  • Crawford Agency needs the right agents to help our growing clientele build an asset and not a liability. Our agents part...
  • 3/27/2024 12:00:00 AM

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Assistant Underwriter
  • Atain
  • Farmington, MI
  • : Responsibilities: Responsible for assisting a team of underwriters with Casualty and Excess Liability business on a br...
  • 3/27/2024 12:00:00 AM

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Life Insurance Sales Representative
  • Shonda Crawford Insurance
  • Detroit, MI
  • How does Debt Free Life work? We offer life insurance solutions that include mortgage protection, disability, retirement...
  • 3/26/2024 12:00:00 AM

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Mortgage Gov't Underwriter III (DE/SAR/LAPP)
  • Michigan Mutual
  • Southfield, MI
  • About the Company MiMutual Mortgage (noun) [my-mutual mortgage]: a national mortgage lender operating by the philosophy ...
  • 3/25/2024 12:00:00 AM

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Work from Home-Mortgage Protection Insurance Agents
  • Shonda Crawford Insurance
  • Detroit, MI
  • Crawford Agency needs the right agents to help our growing clientele build an asset and not a liability. Our agents part...
  • 3/24/2024 12:00:00 AM

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Field Underwriter
  • The WRS Group - Symmetry Financial
  • Dearborn, MI
  • We are looking for highly motivated, hard working, self starting individuals to join our sales force. Who are we? We are...
  • 3/24/2024 12:00:00 AM

Warren is a city in Macomb County in the U.S. state of Michigan. The 2010 census places the city's population at 134,056, making Warren the largest city in Macomb County, the third largest city in Michigan, and Metro Detroit's largest suburb. The city is home to a wide variety of businesses, including General Motors Technical Center, the United States Army Detroit Arsenal, home of the United States Army TACOM Life Cycle Management Command and the Tank Automotive Research, Development and Engineering Center (TARDEC), the headquarters of Big Boy Restaurants International, and Asset Acceptance. T...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Health Underwriter jobs
$63,193 to $76,309
Warren, Michigan area prices
were up 1.2% from a year ago

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Both the software and the underwriter need to consider not only the likelihood of a claim, but also the likely costs of a particular claim.
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The abbreviation for Registered Health Underwriter is RHU.
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If you already have an FMU and are under 70 years old (65 in some states), a medical underwriter can set your new policy to mirror your current one.
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In health insurance, underwriting is often viewed from one of two perspectives.
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