ASSOCIATE UNDERWRITER JOB DESCRIPTION

An Associate Underwriter evaluates risk. That is the whole job, stated plainly. In practice, it means reviewing new and renewal submissions against state-filed coverage forms, classifying exposures, pricing policies within a delegated underwriting authority, and defending those decisions to producers and internal management. The role sits inside a carrier or managing general agent's underwriting unit, supporting senior underwriters while building independent judgment on a growing book of commercial accounts. Getting this work right protects loss ratios; letting it slip means mispriced risk, compliance exposure, and producer relationships that erode quietly until they are gone.

As the Associate Underwriter, you evaluate commercial insurance submissions, determine risk acceptability within delegated authority, and support the profitable growth of an assigned book of business. You work within a structured underwriting team, collaborating daily with producers, brokers, and senior underwriters to ensure that policy transactions are priced, issued, and documented in compliance with state regulations and carrier guidelines.

Career Impact: Mastering delegated underwriting authority in property and casualty commercial lines builds a technical foundation that is directly transferable to senior underwriter and underwriting manager roles within carrier and MGA environments.

Business Impact: An accurate submission review by this role determines whether a commercial account is priced to produce an underwriting profit or absorb a loss that erodes the portfolio's combined ratio.

Growth Opportunity: Exposure to multiple lines of business, producer negotiation, and loss analysis within a single role accelerates the path toward a full underwriting letter of authority and eventual account ownership.

Company Value: Several source employers offer structured promotion tracks from within, educational reimbursement, and performance-based bonus tied to underwriting results, providing a direct line between technical improvement and compensation growth.

• Evaluate new and renewal commercial submissions against established underwriting guidelines to determine risk acceptance, pricing, and coverage terms.
• Examine loss history and risk profiles to ensure each account is accurately classified and priced within delegated authority limits.
• Recommend quotes, surcharges, discounts, and credits on individual accounts in support of underwriting profit targets.
• Collaborate with producers and brokers to gather outstanding submission information, resolve coverage questions, and maintain productive agency relationships.
• Process policy transactions including new business, renewals, endorsements, and cancellations in accordance with state-filed coverage forms and carrier procedures.
• Monitor assigned accounts for compliance with Corporate Underwriting policies and escalate concerns that exceed individual authority to senior underwriters.
• Prepare underwriting reports and account documentation to support management review and audit requirements.
• Support internal sales and marketing efforts by identifying prospects and communicating product information to assigned producer agencies.

• Bachelor's degree in business, finance, risk management, or a related field, or equivalent work experience.
• Two or more years of insurance industry experience, with direct exposure to underwriting, policy processing, or related functions.
• Demonstrated understanding of property and casualty insurance principles, including coverage forms, risk classification, and state regulatory requirements.
• Strong analytical ability to interpret submission data, identify exposure patterns, and make pricing recommendations within established guidelines.
• Proven organizational skills with the ability to manage a high volume of policy transactions accurately and meet competing deadlines.
• Clear written and verbal communication skills, including the ability to correspond professionally with producers, brokers, and internal stakeholders.
• Demonstrated attention to detail in reviewing policy documents, acreage records, loss runs, and compliance filings.
• Ability to work independently within a structured authority framework while escalating decisions that exceed delegated limits appropriately.

• Prior experience in commercial lines underwriting, including property, general liability, automobile, or workers compensation product lines.
• Familiarity with surplus lines or Lloyd's market structures, including standard and sub-standard market quoting processes.
• Progress toward or completion of an industry designation such as CPCU, AU, or CIC demonstrating commitment to technical underwriting development.
• Experience reviewing financial statements or loss trend analysis to support quote development on mid-market commercial accounts.

• Submission-to-quote turnaround time, measuring responsiveness to producer pipeline within service expectations.
• Loss ratio on assigned book, reflecting accuracy of risk classification and pricing decisions over rolling periods.
• Renewal retention rate, indicating the quality of producer relationships and competitiveness of terms offered.
• Policy transaction error rate, measuring documentation accuracy across new business, endorsements, and cancellations.
• Compliance audit pass rate on underwriting files, reflecting adherence to state-filed forms and carrier guidelines.
• Typical tools: policy administration platforms (commonly agency management systems); office productivity suites (commonly spreadsheet and word processing applications).

• Base Salary Range: $48,000 to $72,000 annually, depending on experience and market.
• Bonus: Performance-based annual bonus tied to underwriting results, typically 5% to 12%.
• Equity: Equity uncommon at this level; offered selectively at larger carriers or publicly traded firms.
• Health Benefits: Medical, dental, and vision coverage; HSA options common across carrier employers.
• PTO: Fifteen to twenty days annually, plus standard federal holidays.
• Common Perks: Educational reimbursement for insurance designations, structured promotion tracks, and 401(k) matching.

Figures are estimates based on general US market benchmarks and may be outdated. Adjust based on location, company size, and seniority level.

Background check completion is a condition of employment for this role, given access to policyholder data and financial records. All qualified applicants are considered without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other characteristic protected under applicable federal, state, and local law. Reasonable accommodations are available to individuals with disabilities throughout the hiring process and in the course of employment. Candidates must hold unrestricted authorization to work in the United States.

The Associate Underwriter owns the evaluation and classification of new and renewal business submissions, supporting underwriting profit through accurate risk assessment, pricing, and policy transaction management. Working under the guidance of underwriters and supervisors and collaborating with internal sales, marketing, and Service Center leadership, this role enables profitable growth and accurate service delivery to agents and insureds.

Key Responsibilities

• Assist in the evaluation of risk through the review of new and renewal business, determining risk acceptance, pricing terms, and conditions.
• Perform functions in accordance with established standards, guidelines, rates, and coverage forms filed and approved by law in the state of responsibility.
• Ensure that renewal and new business submissions are complete with current data to identify and evaluate risk.
• Examine risk profile and loss history and take necessary steps to ensure that each risk is appropriately classified and priced.
• Recommend new and renewal business indications, quotes, and relevant applicable surcharges, discounts, or credits.
• Participate in Committee and Department meetings and prepare underwriting reports and reviews as requested by management.
• Work with internal sales and marketing to foster insured relationships and identify prospects and opportunities for business development.
• Request Risk Management referrals as indicated and work in partnership with Service Center leadership to foster efficient and accurate service.
• Perform special projects as directed by management.

Education & Experience

• Bachelor's Degree in Insurance, Business, or related field preferred; high school diploma with eight years relevant experience required in lieu of degree.
• Two years of insurance experience required; prior professional liability underwriting experience desired but not required.
• Understanding of insurance terminology and underwriting principles preferred.
• Proficiency with Microsoft Office Suite.
• Excellent organizational and interpersonal skills with accomplished written and verbal communication skills.
• Basic analytical ability to gather data, interpret information, and prioritize work; continual attention to detail in processing policy information and meeting deadlines.
• Self-motivated with the ability to accomplish multiple tasks in a timely manner and assess urgency and importance of situations appropriately.

Reporting to the underwriting team, the Associate Underwriter produces accurate and complete policy processing activities across crop insurance applications, acreage reports, and production history records. Partnering with agents and field personnel, this role enables efficient administrative operations and supports data integrity across the full policy lifecycle.

Primary Duties

• Ensure complete and accurate policy processing activities by reviewing and/or data entry of applications, policy changes, actual production history (APH) and acreage report (AR) written agreements, and gathering missing information.
• Maintain records relative to policy information, production data, acreage reports, and other documents.
• Correct errors associated with the Federal Crop Insurance Corporation (FCIC) Error report as directed and audit insured and agent submitted paperwork for completeness.
• Provide printing and mailing of documents as needed and provide agent support through business correspondence to resolve day-to-day administrative and operational duties.
• Prepare reports for team members, agents, and field personnel.
• Contribute to a positive work environment by demonstrating cultural expectations and influencing others to reward performance and value accountability, diversity, collaboration, and continuous improvement.

Qualifications & Experience

• High School Diploma/GED required; Associate's Degree or equivalent combination of education and work experience preferred.
• Experience with data entry, crop insurance, or insurance coursework preferred.
• Basic knowledge of crop insurance industry and underwriting processes.
• Ability to quickly and accurately perform data entry and maintain highest confidentiality.
• Basic knowledge of Microsoft Office Suite; proficient with OnBase and workflow systems.
• Strong communication skills with ability to convey information clearly and professionally to a wide audience.
• Demonstrated multitasking ability with high attention to detail; ability to adapt and be flexible in a complex, changing environment.
• Ability to utilize established procedures to guide decision-making, escalate issues when necessary, and seek opportunities to learn and grow.

Sitting at the intersection of underwriting analysis and producer relationship management, the Associate Underwriter builds a profitable book of commercial insurance business by reviewing, accepting, and declining risks to ensure company profitability. Operating across internal stakeholder groups and working with producers and management, this role shapes underwriting outcomes through disciplined risk selection, pricing, and marketing of coverage solutions.

Duties

• Underwrite commercial insurance risks by reviewing, analyzing, accepting, and declining risks to ensure profitability.
• Communicate with management on individual accounts, current and proposed producers, and recommendations concerning operations, systems, and procedures when appropriate.
• Underwrite and select new business that will produce an underwriting profit.
• Review submissions to identify exposure and risk and determine accurate classifications, rates, and premium charges.
• Monitor producers for profitability and production.
• Market products to producers by coordinating marketing plans with various stakeholders in and outside Underwriting.
• Develop forms and coverages in partnership with others, as applicable.

Skills & Qualifications

• Bachelor's degree in business, economics, risk management, or related field.
• Professional experience demonstrating foundational decision-making, analytical, quantitative, and interpersonal skills.
• Advanced Excel skills including V-Lookup and PivotTable functions; PC literacy with emphasis on Outlook, Word, and Excel.
• Strong negotiation skills and ability to maintain precision while moving quickly through workload.
• Excellent oral and written communication skills and strong analytical and organizational skills.
• Team-oriented, entrepreneurial spirit seeking a flexible, spontaneous business environment.
• Competitive salary with performance-based bonus opportunities; single and family health, dental, and vision insurance plans with generous HSA contributions.
• Short-term and long-term disability, life insurance, and matching 401(k) fully vested from first day of employment.
• Generous paid time off and holidays, yearly reimbursement for educational training, and promotion from within with clear career paths.

Embedded within the commercial underwriting team, the Associate Underwriter develops profitable Workers Compensation business by soliciting, evaluating, and quoting policies in accordance with company guidelines and state regulations. Working closely with assigned agencies and all Company Departments, this role advances territory growth through sound underwriting judgment, agency relationship management, and consistent adherence to Core Values.

Core Functions

• Continuously exhibit and uphold Core Values of Integrity, Accountability, Communication and Teamwork, Innovation and Customer Service.
• Evaluate, select, and price new and renewal Workers Compensation policies to achieve an underwriting profit and comply with state regulations.
• Solicit and underwrite profitable business from assigned agencies within the scope of delegated underwriting authority.
• Ensure maintenance and growth of profitable business partners by responding to inquiries and resolving agency problems in a timely and professional manner.
• Evaluate agents by participating in on-going agency analysis and reviews in accordance with Corporate Policies and Procedures.
• Develop information regarding local market opportunities and competition and make recommendations regarding new products and rates.
• Support all Company Departments in developing profitable business and communicate frequently with other department staff to stay apprised of policy and procedure changes.

Required Qualifications

• Beginner knowledge of industry terminology and statutory compliance.
• PC skills including MS Office Products: Outlook, Word, Excel, and PowerPoint.
• Ability to problem-solve in unfamiliar situations and communicate concerns and solutions effectively.
• Excellent observation and analytical skills with ability to communicate with all levels of management and internal and external clients.
• Positive attitude toward change with the ability to recognize and respect diversity and individual differences.
• Willingness to strive toward continuous improvement.

A key member of the underwriting team, the Associate Underwriter delivers accurate risk assessments and competitive quotes by liaising between clients and Underwriters, managing correspondence, and negotiating terms with producers and brokers. Collaborating across sales, service, and client-facing functions, this role enables profitable production and timely policy servicing across a diverse book of business.

Accountabilities

• Liaison between clients and Underwriters; requests or delivers correspondence, documents information with a high level of professionalism.
• Develop and maintain working relationships with producers, brokers, agents, and customers and communicate effectively through broker negotiations to ensure profitable production.
• Contact clients to explain features and merits of policy coverage and recommend amount and type of coverage based on analysis of client needs.
• Assist Underwriters in meeting production goals by identifying exposures, negotiating terms and conditions, producing quotes, binding coverage, and servicing an existing book of business.
• Prioritize work according to client and Underwriter needs; keep Underwriter apprised of potential client issues and keep clients aware of Underwriter needs.
• Assess risks to determine appropriate price, coverage, terms, and conditions.
• Enter and maintain client and policy data in computer and electronic file systems; track and follow up on tasks to ensure timely completion.

Experience & Qualifications

• 4-year BA/BS required.
• 1–2 years insurance experience required; cyber underwriting experience preferred.
• Experience with Microsoft Office Suite.
• Ability to interact positively, succinctly, and professionally with all levels of internal and external clients and build rapport with differing personalities.
• Good judgment, problem-solving, independent thinking, and strong analytical abilities.
• Proactive, self-managing, highly self-motivated, and seeking a challenging career.
• Strong organizational skills, great attention to detail, and excellent follow-through with ability to handle competing demands and prioritize appropriately.

Profitable and compliant policy issuance depends on the Associate Underwriter, who underwrites individual property and casualty insurance applications under direct supervision and within established guidelines. Based within a collaborative underwriting team and working closely with field contacts, this role supports sound risk evaluation and builds foundational knowledge across service and operational processes.

Functions

• Under direct supervision, underwrite individual insurance applications to cover property and casualty within guidelines set for the issuance of policies on a standard or substandard basis.
• Determine whether to accept, modify, or decline a risk through evaluation of the property's value, location, usage, safety features, and other pertinent information.
• Maintain frequent contact with field to gather information on which to base and defend underwriting decisions.
• Work with all underwriting teams to gain knowledge of service and operational processes and procedures.
• Perform other duties as assigned; does not have any assigned production or service goals.

Position Requirements

• Bachelor's degree required; no experience required.
• Working knowledge of Microsoft Windows applications and Microsoft Office.
• Detail-oriented with strong analytical skills.
• Good communication and interpersonal skills.
• Must be 18 years of age or older with unrestricted work authorization to work in the U.S.
• Willing to submit to a background investigation; any offer of employment is conditioned upon successful completion.
• Willing to execute RPS' Employee Agreement or Confidentiality and Non-Disclosure Agreement including post-employment obligations relating to non-solicitation, confidentiality, and non-disclosure.

As the Associate Underwriter, this role delivers fair and competitive property quotes across standard and sub-standard markets for the Lloyds book within the Private Client Group division. The Private Client Group relies on this work to maintain accurate renewal and endorsement underwriting, manage the Lloyds Book of Business, and ensure timely policy issuance from quote through to completion.

Job Functions

• Act as primary contact for sales and service regarding property quotes.
• Analyze risks to identify fair and sensible solutions and determine premium and negotiate terms.
• Underwrite all renewals and endorsements.
• Track and manage the Lloyds Book of Business.
• Manage the underwriting workflow from quote to policy issuance.
• Process and issue new business, renewal, and endorsement documents where required.
• Respond to inquiries with respect to coverage, rates, and procedures.

Knowledge Skills & Abilities

• More than 2 years of industry and product line experience.
• Solid understanding of Property and Liability Underwriting.
• Knowledge of Lloyd's underwriting practices is an asset.
• Proficiency in Microsoft Office including Outlook, Word, and Excel.
• Working knowledge of Applied EPIC and Rating Services is an asset.
• Excellent problem-solving, decision-making, and analytical skills with strong attention to detail and sound judgment.
• Ability to work in a fast-paced environment with effective time management and organizational skills.

Associate Underwriter refines the quality and consistency of underwriting support across new and renewal personal lines accounts by assisting underwriting staff and managers in evaluating information, preparing quotes, and reviewing inspection reports. The work directly supports compliance, carrier relationship management, and accurate service delivery across Hull & Company and Brown & Brown.

Day-to-Day Responsibilities

• Assist underwriting staff and managers in obtaining and evaluating underwriting information for new and renewal accounts.
• Rate and prepare new or renewal quotes as directed by Underwriter.
• Review inspection recommendations, discrepancies, and monitor various reports for consistency.
• Discuss coverage and forms with retail customers as directed by Underwriter.
• Foster and seek relationships with teammates across all levels of Hull & Company and Brown & Brown.
• Ensure compliance with government agencies and corporate policies and procedures.
• Attend training sessions and courses to maintain up-to-date skills; always conduct the highest level of confidentiality.

Background & Experience

• 2+ years of experience in Personal Lines Insurance.
• Strong experience working with multiple carriers and their guidelines.
• Experience working in a paperless environment preferred.
• Proficiency in Microsoft Office 365.
• Detail-oriented with the ability to multi-task.
• Exceptional customer service and interpersonal skills.

The Associate Underwriter oversees a designated block of new and renewal business, applying pricing policies and Corporate Risk Management guidelines to ensure appropriate risk classification and underwriting compliance. Working within an underwriting team and accountable to permissible loss and ratio standards, this role enables consistent production quality and portfolio integrity.

Key Deliverables

• Manage a block of business (new or renewal) or those new and renewing accounts assigned.
• Interpret risk and apply pricing policies to account for unusual situations.
• Identify questionable claim patterns on in-force accounts or prospects.
• Identify unusual situations not anticipated by standard pricing formulae and seek assistance in applying Corporate Risk Management policies.
• Monitor compliance with Corporate Underwriting policies.
• Complete workload within established production and timeliness standards.

Minimum Qualifications

• Bachelor's Degree in Mathematics, Actuarial Science, Finance, Business, Computer Science, or other quantitative discipline.
• 6 years of related experience accepted in lieu of degree.
• Ability to use computer systems, electronic tools, and applications.
• Demonstration of ethical business practices with adherence to guidelines.
• Strong attention to detail and basic analytical skills.
• Ability to manage several simultaneous priorities.

Reporting to the underwriting team, the Associate Underwriter refines premium processing and account management operations by preparing invoices, reconciling bookings, generating payments, and supporting policy renewals across a Trade Credit portfolio. Partnering with the Credit Control team and underwriting staff, this role enables accurate financial reporting and efficient day-to-day service delivery.

Areas of Ownership

• Prepare, book, and reconcile premium on daily, weekly, and monthly basis and raise premium invoices.
• Manage and deal with account queries including liaising with the Credit Control team.
• Generate Direct Debit payments and provide management reporting on a regular and ad hoc basis.
• Support underwriters with the renewal of existing and new policies.
• Assist underwriters with both data and policy information analysis.

Professional Experience

• Experience with invoice creation and processing.
• Understanding of basic principles of insurance.
• Some knowledge of the Trade Credit industry desirable but not essential.
• Strong Excel and numeracy skills.
• Good communication skills at all levels and ability to work effectively as a team player.
• Strong attention to detail with ability to spot errors and excellent time management skills.

Associate Underwriter produces accurate underwriting decisions and policy transactions across the four major lines of property and casualty business, working within delegated authority and collaborating with agency partners and the policy services team. Success in the position means managing new business pipelines, completing renewals on time, and building productive agency relationships that support portfolio growth and profitability.

Role Responsibilities

• Utilize company guidelines and procedures to complete assignments while referring business outside individual limit of authority.
• Demonstrate basic property/casualty knowledge across the four major lines of business to evaluate and process renewals, new business, and endorsement transactions within assigned authority.
• Examine new business applications in Berkley Link to determine if risk meets established eligibility guidelines.
• Evaluate renewals by reviewing account information, claims experience, risk acceptability, and pricing; determine if account will be renewed or cancelled and follow up accordingly.
• Evaluate and complete endorsements within authority by obtaining necessary information and providing transaction processing instructions to the policy services team.
• Route underwriting concerns beyond assigned authority to underwriter and review underwriting alerts from the Audit Department with agency partners.
• Review incoming correspondence and order reports including MVRs, Experience Mods, and Experian as requested.
• Complete new business and renewals in accordance with Berkley Advantage time service expectations and manage pipeline to ensure all renewals are booked prior to month's closing.
• Participate in all internal training, collaborate with team members, and develop productive working relationships with agency partners to encourage growth and profitability.

Education & Experience

• High School diploma or GED required; college degree or equivalent military experience preferred.
• 3 or more years of experience in property and casualty insurance.
• Proficient in MS Excel with strong analytical and critical thinking skills; proficient PC skills.
• Outstanding customer service skills and excellent oral and written communication and interpersonal skills.
• Strong decision-making skills and attention to detail with ability to research thoroughly.
• Strong desk management skills with ability to multitask, independently organize work, and prioritize competing demands within required time constraints.
• Highly motivated with a keen interest in learning, being coached, and sharing creative ideas with the team.

Embedded within the underwriting team, the Associate Underwriter develops account assessments and supports quote preparation by assisting underwriters across renewals, inspections, appraisals, and claims review. Working closely with the Operations team, brokers, and clients, this role advances accurate and timely service delivery across the full account development lifecycle.

Scope of Work

• Support underwriters with all activities related to account development including renewals, inspections, and appraisals.
• Assist underwriters in data analysis and account assessment.
• Communicate with brokers and clients on outstanding items and underwriting questions and serve as an additional resource for Underwriters.
• Work closely with the Operations team on day-to-day functions and follow company workflow and processes.
• Draft quotes and binders and review with underwriters; review and identify claims for underwriters.

Required Qualifications

• Bachelor's Degree required; previous insurance experience is a plus.
• Understanding of Microsoft Applications including Word and Excel.
• Ability to think critically and showcase problem-solving skills.
• Strong verbal and written communication skills.
• Attention to detail, time management skills, and ability to multitask.
• Willingness to learn and collaborate with others.

A key member of a growing underwriting team, the Associate Underwriter advances profitable business results by analyzing, pricing, and documenting underwriting decisions across nonprofit and human service organization accounts within established binding authority. Collaborating across cross-functional teams and working with the sales force, this role expands underwriting knowledge of Church Mutual policy forms and religious organization operations while driving process efficiencies and customer-focused outcomes.

What You'll Do

• Write and retain profitable business within established binding authority and in compliance with filings to meet company objectives.
• Analyze, evaluate, make, and document decisions to achieve profitable underwriting results.
• Recognize exposures, identify coverage alternatives, develop risk management recommendations, and price to an expected profitable level.
• Communicate with all customers professionally, respectfully, and timely; consult supervisor on issues exceeding binding authority and provide monthly letters on territory issues.
• Develop and maintain effective business relationships with the sales force; answer questions, research and disseminate information, and offer suggestions on coverage, pricing, and risk management options.
• Develop and expand underwriting knowledge through awareness of territory changes, Church Mutual policy forms, and religious organization operations.
• Pursue professional development through external and internal opportunities.
• Actively identify and recommend efficiencies to improve underwriting performance and processes; promote change positively and meet department timeliness expectations.

Qualifications & Experience

• Bachelor's degree strongly preferred; equivalent education and/or work experience may be considered.
• Prior work experience in the property/casualty insurance industry preferred.
• Ability to learn, retain, and apply insurance principles; identify and analyze exposures and develop appropriate solutions.
• Ability to learn Church Mutual computer systems and stay current with changes.
• Ability to make decisions within binding authority, explain decisions to others, and negotiate appropriate solutions.
• Solid organizational skills and ability to effectively communicate with others and work collaboratively in a team environment.
• Desire and commitment to learn, accept new challenges, maintain a customer-focused attitude, and strive for personal improvement and growth.

Sitting at the intersection of underwriting analysis and broker relationship management, the Associate Underwriter supports the Group Captives team by issuing quotes, analyzing submissions, and facilitating quote development through loss and financial statement review. Operating across underwriting, operations, and broker-facing functions, this role enables accurate account servicing and portfolio strategy execution within a specialty captives environment.

Performance Expectations

• Assist in the issuance of quotes, binders, endorsements, and policies within time guidelines.
• Ensure underwriting files, service standards, and compliance guidelines are adhered to on assigned accounts.
• Analyze submissions for completeness and rate readiness, evaluate risks and controls, and ensure compatibility with risk appetite.
• Analyze loss information and financial statements to facilitate quote development.
• Assist in soliciting and following up on outstanding submission information from brokers and work with senior underwriting staff on risks requiring special handling.
• Capture market intelligence and broker feedback to help drive account and portfolio strategies.
• Identify and resolve account alerts and blocks during the submission process; assist in premium coding, booking resolution, and post-policy transactions.

Minimum Qualifications

• Bachelor's degree required; at least 1 year of relevant professional work experience; insurance industry experience strongly preferred.
• Working knowledge of financial statements and analysis preferred.
• Strong Excel skills preferred; intermediate experience in Excel required.
• Excellent organizational skills with ability to handle multiple tasks in a high-volume, fast-paced environment.
• Excellent interpersonal, communication, and analytical skills; detail-oriented with demonstrated ability to self-direct, prioritize, and meet deadlines.
• Ability to work in a dynamic, rapidly changing environment and facilitate cross-functional collaboration including on technical aspects.
• Highly motivated and results-oriented; takes initiative and seeks alternate solutions when necessary.

As the Associate Underwriter, this role manages the operational and commercial handling of the existing Warranty Service Programs portfolio across the DACH region, including policy documentation, profitability monitoring, and new program launches. The WSP profit center relies on this work to sustain broker and client relationships, support affinity risk underwriting, and coordinate cross-functional innovation projects across AIG Europe.

Work Activities

• Ensure efficient and smooth operational and commercial handling of the existing portfolio in the DACH region, including communication with brokers, clients, and internal stakeholders.
• Manage related operational processes, update relevant policy documentation, monitor account and portfolio profitability, and support the responsible underwriter in taking remedial actions where required.
• Develop internal and external communication materials including presentations, reports, and newsletters.
• Prepare and participate in meetings with prospects, clients, and brokers to promote the WSP offering.
• Assist in the underwriting of affinity risks in accordance with AIG WSP guidance and contribute to WSP Europe innovation projects.
• Lead the process of launching new programs in the DACH region by liaising with internal AIG teams, coordinating with stakeholders, implementing internal processes, and drafting information notices and contracts before legal validation.

Technical Qualifications

• Degree in Legal and/or Business Studies preferably with an insurance background.
• Several years of insurance experience; ideally with underwriting experience.
• Strong technical, analytical, and commercial skills with good business understanding and high service orientation.
• Very good knowledge of MS Office and affinity for digital platforms.
• Convincing interpersonal and communication capabilities with solid and developable presentation skills.
• Ability to work both independently and as part of a team with a can-do mentality and true team spirit.
• Very good knowledge of German and English; French is an advantage.

Associate Underwriter delivers proficient technical underwriting across a high-volume book of small and mid-sized accounts, rating, quoting, and binding business within the Underwriting Letter of Authority granted by the team leader and Chief Underwriting Officer. The work directly supports regional market growth and underwriting integrity through disciplined account documentation, compliance with loss and ratio standards, and active participation in underwriting education and meetings.

Operational Focus

• Underwrite, rate, quote, and bind accounts in accordance with RSGUM guidelines specific to the Underwriting Letter of Authority granted by the team leader and/or Chief Underwriting Officer.
• Assist in developing, enhancing, and maintaining underwriting methods and techniques to achieve underwriting integrity in a cost-effective manner.
• Complete documentation and management of all assigned accounts.
• Handle a relatively high volume of small and mid-sized accounts of varying complexity within permissible loss/ratio standards.
• Participate in underwriting meetings, educational seminars, and continued education courses.

Professional Experience

• Bachelor's degree or commensurate education and/or work experience required.
• Resident license required and in good standing; AIM agency management system skills highly desirable.
• 3+ years of underwriter experience; demonstrated proficient technical underwriting expertise.
• Strong analytical, mathematical, decision-making, and negotiation skills.
• Proficiency in Microsoft Office including Outlook, Word, and Excel; may be required to maintain a valid driver's license.
• Strong verbal and written communication, presentation, and relationship development skills.
• Self-directed, goal-oriented individual with problem-solving skills, critical attention to detail, strong customer service skills, and a proven track record of being a team player with the ability to set priorities and meet challenging deadlines.