Associate Premium Auditor

Department:  Policyholder Services

Accountable to: Premium Audit Manager

Overview

The Associate Premium Auditor conducts workers’ compensation premium audits by reviewing policyholder financial and operational records to accurately determine final earned premium. This entry-level role is designed as a two- to three-year development program that builds practical premium audit, workers’ compensation, and underwriting knowledge through hands-on experience, training, and application of established rules and procedures.

Roles, Responsibilities, and Priorities

Major Areas of accountability

• Audit Execution
  •  Review policyholder financial and operational records to determine accurate premium base exposures in accordance with the policy contract, applicable manuals, rules, and procedures.
  • Analyze payroll, sales, subcontractor, and other supporting documentation to verify exposure information and identify items requiring clarification or follow-up.
  • Prepare clear audit findings and supporting documentation that explain premium adjustments, classification decisions, and audit conclusions.
• Compliance & Quality
  •  Apply NCCI regulations, company guidelines, and established audit standards to support accurate, consistent, and well-documented audit outcomes.
  • Maintain accurate audit documentation and follow established review practices to support quality assurance, consistency, and regulatory compliance.
• Customer Engagement
  •  Communicate with policyholders and agents to explain the premium audit process, clarify exposure classifications, and maintain positive service-focused relationships.
  • Respond to policyholder and agent inquiries with professionalism, empathy, and timely follow-through to support a positive audit experience.
• Operational Support & Continuous Improvement
  • Support timely audit completion through effective workload management, due date tracking, and coordination with internal business partners; identify opportunities to improve processes, strengthen audit operations, and support consistent service delivery.
  • Assist with department initiatives, workflow improvements, and cross-functional projects that enhance efficiency, accuracy, and service outcomes.
• Technology & AI-Enabled Efficiency
  • Use approved technology, automation, and AI-enabled tools responsibly to support audit preparation, documentation review, workflow efficiency, and continuous learning while maintaining accuracy, confidentiality, and sound professional judgment.

Desired Skills and Experience

Personality/Working Style

• Strong Character
  • Demonstrates integrity, sound judgment, and alignment with company values, mission, and vision.
  • Approaches work with honesty, accountability, curiosity, and persistence.
  • Makes thoughtful decisions and seeks guidance when circumstances require additional review.
• Passion for Innovation
  • Maintains a willingness to learn, grow, and adapt as business needs, tools, and processes evolve.
  • Demonstrates flexibility and comfort working through change, ambiguity, and new approaches.
  • Collaborates with others to identify improvements that support department and organizational goals.
• Strong Communicator
  • Communicates clearly and professionally in written and verbal interactions with policyholders, agents, and internal partners.
  • Listens with empathy, remains open-minded, and seeks to understand before responding.
  • Provides timely updates, asks clarifying questions, and follows through on commitments.
• Analytical Skills
  • Assembles, organizes, and evaluates diverse information to support accurate audit conclusions.
  • Applies policy, precedent, and company guidelines to make informed recommendations and decisions.
  • Recognizes issues that require escalation and seeks management review when appropriate.
• Technical Knowledge
  • Develops working knowledge of workers’ compensation classifications, audit techniques, and applicable premium audit rules.
  • Applies relevant manuals, procedures, and documentation standards to support consistent audit outcomes.
  • Uses Microsoft Office and other business applications effectively to complete assigned work.
  • Demonstrates openness to using approved AI-enabled tools to improve productivity, organize information, strengthen documentation, and support learning while applying appropriate review and judgment.
• Decision Authority
  • Determines exposure and appropriate classification of business operations through logical application of manual rules and company procedures.
  • Exercises judgment within established authority and escalates complex or unusual situations for guidance.

Education and experience

• A CPCU or Bachelor’s degree. Minimum of 1 year of workers’ compensation premium audit or underwriting experience preferred.  CPCU and/or APA preferred.

OR High School Diploma with a minimum of 4 years workers’ compensation premium audit experience. 

• Underwriting experience may be considered with demonstrated competencies in NCCI rules and classifications.