• Select and price individual risks and manage assigned agency book of business. 
• Monitoring the aggregate quality and pricing to achieve profit, a mix of business and quality of business objectives.
• Interpret available information such as quality, production and loss ratio reports effectively to direct and influence the flow of business to support company goals and standards and formulate any corrective underwriting agency action plans.
• Adherence to underwriting performance standards as measured in Audits.
• Provide technical expertise to agents and effectively build relationships, communicate underwriting philosophies, standards, pricing and products.
• Knowledge of and adherence to state regulations as well as developing an understanding of major competitor products, including the communication to management of emerging market trends.
• Adhere and/or suggest improvements to processes within the company to increase the level and quality of service to both internal and external customers.
• Participate in the agency management process including developing and implementing agency/company business or profit improvement plans.
• Complete special projects as assigned, generate new business and manage existing business
• Coordinate activities with marketing resources, provide guidance and act as a resource to support staff.

Skills: Risk Assessment & Pricing, Quality & Pricing Monitoring, Data Interpretation, Underwriting Standards Adherence, Technical Expertise & Relationship Building, Regulatory Compliance & Market Analysis, Process Improvement, Agency Management & Special Projects

• Manage risk approvals within defined underwriting authority while achieving the underwriting budget and service goals of the unit
• Collaborate with other functional support units in the company such as Claims, IT, and Finance to facilitate meeting the unit objectives
• Engage in the management of broker relations, including business development for the assigned territory
• Maintain a high level of knowledge of current insurance industry trends, issues & regulatory requirements
• Develop premium goals and loss ratio targets for both Underwriters and agents
• Develop and deliver presentations and provide training on various underwriting topics and regional objectives. 
• Review and sign off on file referrals for underwriting staff, conduct file audits, and monitor team performance. 
• Coordinate and assist in production, underwriting activities, training, mentoring and workflow for all teams. 
• Monitor and report to the underwriting manager underwriting quality, team results and develop and implement actions
• Work with the Underwriting Manager and Supervisor on maintenance of rates, rules & forms - including analyzing information. 
• Provide feedback to management on what is happening in the marketplace, agencies and competition.

Skills: Risk Management and Underwriting, Cross-Functional Collaboration, Broker Relations and Business Development, Industry Knowledge and Regulatory Compliance, Goal Setting and Performance Management, Training and Presentation Skills, File Review and Team Oversight, Rate and Rule Maintenance

• Develop a commercial lines book of business with assigned agencies.
• Manage larger, more challenging and more complex commercial business and agency assignments.
• Utilize understanding of assessing risk and exposures to identify business opportunities to maximize assigned territory loss ratio and growth objectives.
• Meet business goals through new business development, renewal retention and overall profitability of assigned territory.
• Travels to assigned agencies to build on agency partnerships and promote/negotiate higher agency ranking positions.
• Builds and maintains strong agency relationships to increase an agency’s book of business and/or profitability.
• Serves as a mentor providing technical support, training and problem solving for other underwriters on an ongoing basis.
• Cultivating solid relationships with company agents and internal staff while working towards achieving the most optimal outcomes for Merchants and policyholders.
• Directs the activities of the underwriting assistant to ensure adherence to corporate underwriting policy and service standards.
• Review accounts beyond individual authority with the Regional Underwriting Supervisor or Manager and recommend a course of action.
• Achieve commercial lines' regional production goals and loss ratio objectives for assigned territory.

Skills: Business Development, Risk Assessment, Agency Relationship Management, Negotiation and Promotion, Mentorship and Training, Profitability and Retention, Team Collaboration, Underwriting Oversight

• Full underwriting function including endorsements, confirmation of cover, client queries, correspondence with insurers, etc.
• Build up solid relationships with clients i.e. get to know client portfolios.
• Correspondence with the client to confirm any endorsements done to policies.
• Make use of the CIMS3 system and 1Web system and to ensure that all client's policies are loaded on the systems and underwriting is done on the systems.
• Loading of quotes on the 1Web system.
• Obtaining alternative quotes on existing policies as and when required.
• Converting quotes to policies.
• Do Insurance Confirmation letters for clients and Finance Companies.
• Manage large catastrophe-exposed property accounts, as well as middle market catastrophe-exposed businesses
• Develops positive agency relationships within assigned territories while maintaining a good rapport with established partnerships
• Lead and develop a team of Underwriters and Underwriting Assistants—including organization workflow and expectations per member of the team

Skills: Underwriting Expertise, Client Relationship Management, System Proficiency, Quote Management, Policy Documentation, Catastrophe Exposure Management, Agency Relationship Development, Team Leadership

• Maintain the long-term profitability of a significant portfolio of accounts regardless of market conditions within the bounds of internal underwriting guidelines and individual authority
• Works with an assigned group of brokers following the regional commercial business plan for profitability, growth, retention and service standards
• Delegate renewals and tasks to underwriters and technical assistants and participate in quarterly audits to monitor adherence to guidelines and service standards. 
• Produce necessary statistics and reports to management
• Develop and maintain positive business relationships within the brokerage community. 
• Participate in broker visitation and corporate functions for marketing purposes
• Monitor and assess competitive factors in the market and keep informed of changing market conditions to report to management
• Lead team new business meetings, provide mentoring and coaching to the team to resolve complex underwriting issues
• Lead the team in committed attempts to find solutions to challenging issues
• Responsible for building a book of business
• Responsible for risk acceptability, pricing, coverage, terms and conditions with defined limits/authority and underwriting guidelines

Skills: Portfolio Management, Broker Relationship Management, Underwriting and Delegation, Performance Monitoring, Market Analysis, Team Leadership and Mentoring, Client and Broker Engagement, Risk Assessment and Pricing

• Process and prepare contracts and documents
• Overlook reports to verify exposures and rating
• Work closely with agents
• Examine documents to determine the degree of risk from such factors as the applicant's financial standing and the value and condition of the property
• Assess the financial status of clients
• Evaluate the possibility of losses due to catastrophe or excessive insurance
• Assess risks to business operations and decline excessive risks
• Understand, and continue to learn, about the industries products and lines of coverage
• Processing Information — Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data
• Documenting/Recording Information — Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form
• Communicate professionally with Supervisors, Peers, or Subordinates

Skills: Contract Management, Risk Assessment, Client Financial Evaluation, Exposure and Rating Analysis, Communication and Collaboration, Catastrophe Risk Evaluation, Industry Knowledge, Information Processing

• Related commercial underwriting work experience.
• P&C license or willingness to become licensed within 60 days of employment.
• Must possess extremely effective interpersonal and organizational skills
• A solid ability to build and manage relationships with agents, brokers, customers and other employees.
• Demonstrated ability to collaborate and act decisively.
• Proven excellent listening, verbal and written communication skills.
• Comprehensive knowledge of the underwriting process for P&C coverages, including experience with 3rd party UW tools such as MVRs, Financial Review, etc.
• Superior knowledge of commercial auto coverage forms, rates and filings.
• Strong analytical skills, with the ability to interpret information and provide succinct summaries to leadership.
• Clear and transparent communication driving accountability.

Qualifications: BA in Finance with 5 years of Experience

• Significant commercial auto or transportation underwriting experience.
• Prior broking and/or MGA experience.
• Prior leadership and/or project management experience.
• CPCU, ARM, and/or other industry designations.
• Data Analysis and/or predictive modeling experience.
• Have A&H (Accident & Health) Producer’s License.
• Deep understanding of the surplus lines market.
• Experience with underwriting quality management, rate and form filing.
• National account working experience.
• Prior sales or actuarial experience.

Qualifications: BA in Business Administration with 3 years of Experience

• Underwriting, policy services, or related business experience.
• Proficient in task, assignment, problem-solving, and project coordination, execution, collaboration, and leadership skills.
• Insurance industry designations and certifications
• Proven track record of establishing relationships with agents or colleagues.
• Demonstrated ability to be held accountable for customer-focused, pro-active, responsive, accurate and timely results.
• Exhibits curiosity by asking questions, being investigative and probing.
• Demonstrates a sense of urgency and reliability.
• Exhibits teamwork and collaborates well with others.
• Communicates clearly and professionally, both verbally and in writing
• The ability to utilize the necessary tools and resources to appropriately analyze and price each risk.

Qualifications: BA in Accounting with 4 years of Experience

• Prior insurance working experience 
• AINS or CISR designation or equivalent 
• Proficient knowledge of computers in a Windows-based environment
• Excellent verbal and written communication skills
• Strong negotiation and interpersonal skills
• Strong analytical skills with attention to detail
• Solid time management and organizational skills
• Ability to work independently and prioritize, maintaining required production levels
• Meet expectations for attendance and punctuality
• Strong understanding of commercial lines rating and underwriting practices and concepts

Qualifications: BA in Actuarial Science with 2 years of Experience

• Commercial Underwriting working experience.
• Experience demonstrating the ability to successfully manage and grow a middle-market book of business that offers multi-line coverage.
• Develop a commercial lines book of business with assigned agencies.
• Able to manage larger, more challenging and more complex commercial business and agency assignments.
• Understanding of assessing risk and exposures to identify business opportunities to maximize assigned territory loss ratio and growth objectives.
• Able to meet business goals through new business development, renewal retention and overall profitability of assigned territory.
• Travels to assigned agencies to build on agency partnerships and promote/negotiate higher agency ranking positions.
• Able to build and maintain strong agency relationships to increase an agency’s book of business and/or profitability.
• The ability to serve as a mentor providing technical support, training and problem solving for other underwriters on an ongoing basis.
• Must have CPCU, AU, or CIC certification 

Qualifications: BA in Economics with 6 years of Experience

• Working experience in a Commercial Underwriting role.
• Thorough understanding of SECURA and industry policy forms.
• Thorough understanding of SECURA’s underwriting systems including ImageRight, PowerWriter, BizLink, and mainframe/emulators
• Thorough understanding of Commercial Lines Underwriting procedures and workflows.
• Ability to effectively present materials and ideas to individuals, as well as groups of underwriters and agents.
• Proficiency in multiple methods and media for delivering training material, including in-person, one-on-one, classroom, webinar, online and video.
• Attained, or working on related designations - CPCU, AU, ARM, CIC
• Ability to problem solve and not fold/shut down when tough or complex.
• Meet expectations for attendance and punctuality
• Strong understanding of commercial lines rating and underwriting practices and concepts

Qualifications: BA in Risk Management and Insurance with 7 years of Experience