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Top 35 Underwriter Interview Questions

Question 1 of 36
If hired, how do you intend on making a difference with our company?
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Question 2 of 36
Do you have strong computer skills? Which programs are you most experienced in?
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"I am well versed in using SQL and SAP and have the basic knowledge of Netsuit and Microsoft Dynamics along with Excel. I am capable of analysing several complicated cases using these and also of communicating the results to the clients."
As an underwriter you may be required to use several high level software and programs. In addition to standard office tools, be prepared to show your skills in job specific tools and other skills that you have (web tools, scripting, programming, etc.). Don't sound over-confident but an answer that exhibits confidence in this scenario is highly appreciated by the recruiting managers. What is important is that you have a conceptual technical knowledge that helps you in solving the problem at hand and communicate it effectively to the stakeholders.

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Question 3 of 36
Have you ever had difficulty with a supervisor?
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"My most recent supervisor and I had a strong work relationship and she will be willing to give you a strong reference on my behalf. We did not run into any difficulty while working together."
What was your relationship like with your most recent supervisor? Assure the interviewer that you are able to take instruction well and that you show respect to your leaders in the workplace. Although, there are occasions that you may have had certain disagreements but try to project everything in a positive manner avoiding anything that might portray you as a difficult employee to work with.

If you have not had difficulty with a supervisor: "My most recent supervisor and I had a strong work relationship and she will be willing to give you a strong reference on my behalf. We did not run into any difficulty while working together."

If you did have difficulty with a supervisor: "In my career I have had many different supervisors with an array of personalities. I did have one supervisor in the past who was not the type of leader that I would have chosen for myself. We disagreed on occasion but nothing severe enough to affect my work performance."
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Question 4 of 36
Give an example of a time when you made a mistake because you failed to actively listen to a supervisor.
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"When I was a trainee I was asked to perform a simple task of collecting data of our clients and I spent two days in doing that. When I submitted my final report I realized that I had made a mistake and had collected the wrong data. The reason was that although I was paying attention there was a part which I could not listen to the instructions given by my senior clearly and since I was new, I hesitate to ask questions. He bought this to my knowledge and I admitted my mistake and apologized and collected the right information. Since that day I make sure that I listen to everything and ask questions if anything is not clear. I have learned that if you hesitate in asking questions if things are not clear you will end up making mistakes which will be even worse than the hesitation in asking questions in the first place."
Failing is normal, natural. No candidate can answer this with a 'it has never happened.'
Be honest on this one, and present a short summary of your example. As is the case with other questions, the importance is to indicate how you learned and developed from making this mistake.
Active listening is just listening and saying 'yes or OK' and not asking for clarification, confirmation of what you think you heard, or at a minimum, summarizing the instructions.
As a student, this may be that time that you wrote an entire essay only to find out you were supposed to write a one-page summary.

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Question 5 of 36
What motivates you as an underwriter?
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"I love working as an underwriter because I feel that by doing this job I am being valuable not only for the organization that I am working for but also for the society. I get to use my analytical skills, critical thinking and decision making everyday. The challenges that I face everyday as an underwriter and the risks that we face is an extra bonus in itself."
Underwriting is a complex mix of task and process orientation. Processes have to be followed per company and government regulations while the role also is key to getting deals completed for the organization.

Your answer should indicate how your motivations are to add value to the organization by completing your work accurately and under time constraints. You will need to be able to indicate that your motivations match to the organization's needs and the job duties.

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Question 6 of 36
Tell me about your education. How has it prepared you for a career as a Underwriter?
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Question 7 of 36
Why do you want a career as an underwriter?
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Question 8 of 36
Share an experience you had in dealing with a difficult person and how you handled the situation.
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Question 9 of 36
Are you efficient with your time?
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Question 10 of 36
Tell me something about yourself that is not on your resume.
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Question 11 of 36
Do you consider yourself to have strong research skills?
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Question 12 of 36
If I were to speak with your social circle, what would your friends say about you?
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Question 13 of 36
Successful underwriters must have good judgement and common sense. Would you consider yourself to fit in those categories?
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Question 14 of 36
Do you consider yourself more analytical or a free thinker?
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Question 15 of 36
Give an example where you have had to use your negotiation skills.
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Question 16 of 36
When will your current project be completed, or when will be the next logical time to be able to leave on good terms with your team?
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Question 17 of 36
Give an example where you have supported a loan that did not comply with FHA loan guidelines?
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Question 18 of 36
Give an example where you have had to challenge loan documentation based on fraud detection processes you use.
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Question 19 of 36
What is your greatest strength? How does it help you as an Underwriter?
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Question 20 of 36
Why are you the best candidate for us?
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Question 21 of 36
What do you know about our company?
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Question 22 of 36
What has been your greatest accomplishment as an underwriter so far?
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Question 23 of 36
What has been your biggest disappointment as an underwriter so far?
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Question 24 of 36
What is the most difficult situation you have had to face and how did you tackle it?
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Question 25 of 36
Give me a time when you went above and beyond the requirements for a project.
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Question 26 of 36
What are the steps you follow to study a problem before making a decision?
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Question 27 of 36
What do you do when your time schedule or project plan is upset by unforeseen circumstances?
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Question 28 of 36
How do you keep track of work so that it gets done on time?
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Question 29 of 36
Have you ever been overloaded with work? What did you do to ensure your deadlines were met?
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Question 30 of 36
What initially attracted you to the insurance industry, and what keeps you here?
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Question 31 of 36
What professional goals have you set for yourself this year?
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Question 32 of 36
What do you dislike the most about being an underwriter?
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Question 33 of 36
How would you compare your current job to that of an underwriter?
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Question 34 of 36
Tell me about your financial training and education.
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Question 35 of 36
If not an underwriter, what other role within insurance would you like to be in?
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Question 36 of 36
What are your general guidelines related to applicable ratios (i.e Debt ratios, loan-to-value)
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About Underwriter

August 18th, 2017

An Underwriter evaluates the risk associated with providing insurance coverage or a financial loan to an individual or business. Based on data and analytics, they make recommendations to approve or deny insurance and/or loan applications. Most Underwriter positions will require a minimum Bachelor's Degree in a Finance or Business related field. Some regions may require additional Insurance related certification(s).

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