Personal Line Underwriter (Homeowners & Dwelling Fire) - HYBRID - DB Insurance Co., Ltd.

Job Title

• Personal Line Underwriter (Homeowners & Dwelling Fire) - HYBRID

Location

• 222 S Harbor Blvd, #720, Anaheim, CA 92805

Salary

• $75,000 - $100,000 (DOE)

Position Type

• Full-time
• Exempt / Salary
• Monday – Friday
• 8:30 am – 5:30 pm
• Hybrid after 90 days – 3 days in office/2 days remote

Reports to

• Deputy Branch Manager

Position Overview:

As a Personal Line Underwriter specializing in Homeowners, Dwelling Fire and DIC insurance, you will be responsible for assessing risks for individual clients. This role involves analyzing client information, adhering to underwriting guidelines, and working closely with agents and brokers to ensure the delivery of competitive and profitable insurance solutions. Your expertise will be key in maintaining a balanced portfolio that aligns with the company’s risk management goals.

Key Responsibilities:

• Evaluate property characteristics, claims history and other pertinent data to establish insurability and risk level
• Perform risk analysis and assessments in compliance with company underwriting guidelines and state regulations
• Make decisions on acceptance, rejection, or modification of insurance applications based on underwriting policies
•  Work closely with agents, brokers, and customer service teams to explain underwriting decisions and answer questions
• Ensure compliance with regulatory requirements and company standards in underwriting practices
• Regularly review assigned book of business to maintain balanced portfolio performance and identify growth opportunities
• Monitor market trends, emerging risks, and regulatory changes to adjust underwriting practices as necessary
• Participate in training programs to stay updated on underwriting practices, product changes, and industry developments

Qualifications:

• Bachelor’s degree in Business, Finance, Insurance, or a related field, or equivalent experience
• 3 years of underwriting experience in Personal Lines, specifically in Homeowners and Dwelling Fire insurance
• Strong analytical and decision-making skills, with a solid understanding of underwriting principles
• Excellent communication skills, with the ability to work collaboratively with agents and internal teams
• Proficiency in Microsoft Office Suite/Google Workspace applications

Preferred:

• Professional designations such as CPCU (Chartered Property Casualty Underwriter) or AU (Associate in Underwriting) are a plus
• Experience in working within a multi-state environment and familiarity with state-specific regulations

Benefits

• Insurance covered 100% by the company - Medical (PPO), dental (PPO), vision (PPO), and group term Life
• Annual bonus performance incentive program
• Paid time off and sick leave
• 10 Annual paid holidays
• 401(k) plan with up to 5% company match
• Quarterly Fringe Benefit reimbursements
• Job-related training reimbursement

About Us

Headquartered in South Korea, DB Group is one of the country’s largest and most respected firms, with a rich history dating back to 1962. At DB Insurance USA, we are proud to extend this legacy, offering a wide range of innovative insurance products tailored to meet the diverse needs of our customers. Backed by the strength and stability of a global powerhouse (AM Best Rating: A, S&P Rating: A), we combine local expertise with world-class resources to deliver insurance solutions that protect your property, business, and livelihood. With offices across California, Hawaii, New York, and Guam, our dedicated team works to deliver exceptional service, ensuring peace of mind for every policyholder.

Please visit our career page at https://dbinsus.applytojob.com/apply/

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