Why should I take this certification?
This course will teach you the basic principles of underwriting and its management. The certification tests the candidates on various areas in underwriting process and basics, product design, pricing of the product, underwriting in India, SEBI laws and trends in claim management.
How will I benefit from this certification?
Vskills Certified Underwriter will find employment in Companies specializing in insurance or underwriting are constantly hiring skilled underwriters. Various public and private companies also need underwriters for their insurance or underwriting departments.
Underwriter Table of Contents
https://www.vskills.in/certification/underwriter-table-of-content
Underwriter Tutorial
http://vskills.in/certification/tutorial/accounting-banking-finance/certified-underwriter/certified-underwriter/
Underwriter Sample Questions
https://www.vskills.in/certification/underwriter-sample-questions
Underwriter Practice Test
https://www.vskills.in/practice/underwriter
Underwriter Interview Questions
https://www.vskills.in/interview-questions/underwriting-interview-questions
Companies that hire Underwriters
Vskills Certified Underwriter are employed in Top MNC's and organizations like Genpact, RR Donelley, Bajaj Allianz, Bharti AXA, Accenture, AIG Analytics.
Underwriter Related Blogs
Checkout the latest online blogs on Underwriter.
Underwriter Jobs
Checkout the various job openings for Underwriter, click here..
Underwriter Internships
Vskills runs its flagship internship program where bright interns work with academic council, click to know more details..
Apply for Underwriter Certification
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TABLE OF CONTENT
Introduction to Underwriting
- Definition and Importance of Underwriting
- Underwriting Process Overview
- Role of Underwriters
Retail Product Underwriting (Cards & Loans)
- Types of Retail Products (Credit Cards, Personal Loans, etc.)
- Application Process and Documentation
- Credit Scoring and Risk Assessment
- Eligibility Criteria
- Credit Limits and Interest Rates
Mortgage Underwriting
- Mortgage Types (Fixed, Adjustable, etc.)
- Property Valuation and Appraisal
- Loan-to-Value (LTV) Ratio
- Debt-to-Income (DTI) Ratio
- Mortgage Insurance
Commercial Product Underwriting (OD, Term Loan, etc.)
- Overview of Commercial Loans
- Business Financial Assessment
- Collateral Evaluation
- Industry and Market Analysis
- Business Plans and Projections
Financial Documents
- Purpose of Financial Documents
- Understanding Balance Sheets
- Analyzing Profit and Loss (P/L) Statements
- Interpreting Tax Returns
- Cash Flow Statements
Financial Ratios and Their Relevance
- Liquidity Ratios (Current Ratio, Quick Ratio)
- Solvency Ratios (Debt-to-Equity Ratio, Interest Coverage Ratio)
- Profitability Ratios (Gross Margin, Net Margin)
- Efficiency Ratios (Inventory Turnover, Accounts Receivable Turnover)
- Applying Ratios in Underwriting Decisions
Insurance Underwriting
- Introduction to Insurance Underwriting
- Types of Insurance (Life, Property, Casualty, etc.)
- Risk Assessment and Rating
- Underwriting Guidelines and Guidelines
- Claims and Loss Ratios
Regulatory and Legal Considerations
- Compliance with Local Laws and Regulations
- Anti-Money Laundering (AML) and Know Your Customer (KYC) Regulations
- Fair Lending Practices
Case Studies and Practical Exercises
- Real-Life Scenarios and Case Studies
- Simulated Underwriting Exercises
- Decision-Making in Different Scenarios
Emerging Trends and Technology in Underwriting
- Automation and AI in Underwriting
- Data Analytics and Predictive Modeling
- Digital Transformation in Underwriting Processes
Cross-Cultural Communication and Customer Service
- Effective Communication in a Multicultural Environment
- Handling Customer Inquiries and Concerns
- Cultural Sensitivity in Underwriting
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