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Reviews individual applications for insurance to evaluate degree of risk involved and accepts applications, following company's underwriting policies. Examines such documents as application form, inspection report, insurance maps, and medical reports to determine degree of risk from such factors as applicant's financial standing, age, occupation, accident experience, and value and condition of real property. : Reviews company records to ascertain amount of insurance in force on single risk or group of closely related risks, and evaluates possibility of losses due to catastrophe or excessive insurance. Declines risks that are too excessive to obligate company. Dictates correspondence for field representatives, medical personnel, and other insurance or inspection companies to obtain further information, quote rates, or explain company's underwriting policies. When risk is excessive, authorizes reinsurance, or when risk is substandard, limits company's obligation by decreasing value of policy, specifying applicable endorsements, or applying rating to ensure safe and profitable distribution of risks, using rate books, tables, code books, and other reference material. Typically workers who underwrite one type of insurance do not underwrite others and are designated according to type of insurance underwritten.

Casualty Underwriter

Reviews individual applications for insurance on personal automobiles, homes, and boats to evaluate degree of risk involved and accepts applications, following company's underwriting policies. Examines such documents as application forms, inspection reports, and insurance maps to determine degree of risk from such factors as applicant's financial standing, age, occupation, accident experience, and value and condition of real property. : Accepts or declines risk based on property's use, value, location, and safety features. Corresponds with field representatives and other insurance or inspection companies to obtain further information, quote rates, or explain company's underwriting policies. When risk is excessive, authorizes reinsurance, or when risk is substandard, limits company's obligation by decreasing value of policy, specifying applicable endorsements, or applying rating to ensure safe and profitable distribution of risks, using rate books, tables, code books, and other reference material.

Banking Loan Underwriter Mortgage

Approves or denies mortgage loans, following mortgage standards. Reviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet establishment and government standards. Typically requires a four-year college degree in addition to job experience in a related field.: Evaluates acceptability of loan to corporations that buy real estate loans on secondary mortgage markets, where existing mortgages are bought and sold by investors. Approves or rejects loan application, or requests additional information. Records loan rejection specifying investor and institution guidelines and basis for declining application, such as insufficient cash reserves. Assembles documents in loan file, including acceptance or denial, and returns file to originating mortgage loan office. May be authorized by Federal agency to certify that mortgage loan applicant and property qualify for mortgage insurance endorsement from federal government.

Chef de Froid

Designs and prepares decorated foods and artistic food arrangements for buffets in formal restaurants: confers with executive chef and sous chef and reviews advance menus to determine amount and type of food to be served and decor to be carried out. Prepares foods, such as hors d'oeuvres, cold whole salmon, roast suckling pig, casseroles, and fancy aspics, according to recipe, and decorates them following customer's specifications, designated color scheme, or theme, using colorful fruit, vegetables, and relishes. Molds butter into artistic forms, such as dancing girls or animals. Sculptures blocks of ice, using chisels and ice picks. Carves meats in patron's presence, employing showmanship. May prepare cold meats, casseroles, and other foods during slack periods garde manger.

Banking Loan Officer Mortgage

Interviews applicants, and examines, evaluates, and authorizes or recommends approval of customer applications for conventional residential mortgage and FHA/VA loans. May supervise loan personnel. Typically requires a four-year college degree in a related or appropriate field; however, some companies may accept equivalent education and experience combined.: Interviews applicant and requests specified information for mortgage loan application. Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan, or may submit application to Credit Analyst for verification and recommendation. Corresponds with or interviews applicant or creditors to resolve questions regarding application information. Approves mortgage loan within specified limits or refers loan to loan committee for approval. Lesser experienced loan officers operate with moderate credit authority where more experienced senior loan officers operate with substantial credit authority involving large amounts of money or important customers. Ensures loan agreements are complete and accurate according to policy. May confer with mortgage underwriter to aid in resolving mortgage application problems. May analyze potential loan markets to develop prospects for loans. May solicit and negotiate conventional or government secured loans on commission basis.

Mortgage Loan Processor

Verifies, compiles, and types application information for mortgage loans: reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment. Recommends that loan not meeting standards be denied. Calls or writes credit bureau and employer to verify accuracy of information. Types loan application forms, using computer. Calls specified companies to obtain property abstract, survey, and appraisal. Informs supervisor of discrepancies in title or survey. Submits mortgage loan application file for underwriting approval. Types and mails approval and denial letters to applicants. Submits approved mortgage loan file to mortgage loan closer for settlement. Records data on status of loans, including number of new applications and loans approved, canceled, or denied, using computer.

Mortgage Clerk

Performs a variety of clerical and administrative support activities related to mortgage loans, and utilizes related computer systems and software. Examines documents such as deeds, assignments, and mortgages, to ensure compliance with escrow instructions, institution policy, and legal requirements. Answers customer questions regarding mortgage account and corrects records.: Records disbursement of funds to pay insurance and tax. Types notices to government, specifying changes to loan documents, such as discharge of mortgage. Orders property insurance policies to ensure protection against loss on mortgaged property. Enters data in computer to generate tax and insurance premium payment notices to customers. Reviews printouts of allocations for interest, principal, insurance, or tax payments to locate errors. Corrects errors. May process payments and maintain records of mortgage loans. May type letters, forms, checks, and other documents used for collecting, disbursing, and recording mortgage principal, interest, and escrow account payments. May call or write loan applicants to obtain information for bank official. May be designated according to type of work assigned.

Mortgage Closing Clerk

Completes mortgage transactions between loan establishment, sellers, and borrowers after loans have been approved: verifies completeness of data on loan papers. Answers questions of buyers and sellers relating to details of transaction and obtains signatures of principal parties on necessary documents. Closes out seller's interest in property by presenting seller with check to cover seller's equity. Operates office machines to compute rebates or adjustments. Prepares and mails rebates and other papers to clients.

Loan Interviewer Mortgage

Interviews applicants applying for mortgage loans: interviews loan applicants to document income, debt, and credit history. Requests documents, such as income tax return, bank account number, purchase agreement, and property description, for verification. Determines if applicant meets establishment standards for further consideration, following manual and using calculator. Informs applicant of closing costs, such as appraisal, credit report, and notary fees. Answers applicant's questions and asks for signature on information authorization forms. Submits application forms to mortgage loan processor for verification of application information. Calls applicant or other persons to resolve discrepancies, such as credit report showing late payment history. Informs applicant of loan denial or acceptance. May visit establishments, such as branch banks, credit unions, real estate brokers, and builders, to promote mortgage service. May work on commission basis.

Loan Underwriter Mortgage

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