 Procedure governing the assessment and handling of quotes referred to Underwriting due to rating exceptions, unusual risk characteristics, or automated system-triggered controls.  Process owner Underwriting Operations Manager Service level expectation Referral response issued within 1 working day The delegated authority matrix is maintained within Roles and Responsibilities and defines escalation routes for authority decisions exceeding personal underwriting limits.

Risk assessment and referral

Underwriting Operations Overview

SOPs

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