Certified Underwriter

How It Works

  1. 1. Select Certification & Register
  2. 2. Receive Online e-Learning Access (LMS)
  3. 3. Take exam online anywhere, anytime
  4. 4. Get certified & Increase Employability

Test Details

  • Duration: 60 minutes
  • No. of questions: 50
  • Maximum marks: 50, Passing marks: 25 (50%).
  • There is NO negative marking in this module.
  • Online exam.

Benefits of Certification

$49.00 /-
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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


Underwriter Tutorial


Underwriter Sample Questions


Underwriter Practice Test


Underwriter 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

By Net banking / Credit Card/Debit Card

We accept Visa/Master/Amex cards and all Indian Banks Debit Cards. There is no need to fill application form in case you are paying online.

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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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