Commercial Lines Sr. Underwriter

Mutual of Enumclaw Insurance Company • Phoenix, WA

110d • $99,207 - $128,354

About The Position

Mutual of Enumclaw was founded in 1898 by local farmers who wanted to look out for each other. That spirit continues to define our company culture. We are committed to cultivating and preserving a culture of inclusion and connectedness. Our employees are proud of our thoughtful approach to insurance, and it shows. In January 2025, we were recognized as Washington's Best Company to Work For (our thirteenth year in a row as one of the top 100) by Seattle Business magazine, based on a survey of our employees. Mutual of Enumclaw works exclusively with local independent agents to offer insurance products for individuals, families, farms, and businesses. We currently operate in Washington, Oregon, Idaho, Utah, Arizona, Montana and Wyoming. The Commercial Lines Sr. Underwriter reports to an Underwriting Manager and is responsible for underwriting and marketing of new and/or renewal business and endorsements within the designated authority level, aligned with achieving our corporate objectives. As an associate of Mutual of Enumclaw, you will partner with our Sales and Marketing team to develop relationships with agents to write and retain profitable business. Independently manages assigned territory to achieve corporate objectives.

Requirements

• Demonstrate a fundamental understanding of the local marketplace and insurance industry trends.
• Understand organizational and regulatory rules, policies, and procedures, and effectively employ that knowledge in day-to-day work.
• Exhibit curiosity by asking questions, being investigative, and probing.
• Demonstrate a sense of urgency and reliability.
• Exhibit teamwork and collaborate well with others.
• Communicate clearly and professionally, both verbally and in writing.
• Utilize the necessary tools and resources to appropriately analyze and price each risk.
• Provide excellent service to internal or external clients.
• Challenge the status quo and bring forward possibilities.
• Ability to function well in a high-paced environment.
• Utilize data to make informed decisions and clearly communicate the reason for the decision.
• Proficient with Microsoft Office Suite and related software.
• Knowledge of reinsurance treaties and their impact on our business.
• Take ownership and responsibility for actions and outcomes, performance, and results.

Nice To Haves

• 5+ years of underwriting, policy services, or related business experience.
• Bachelor's or an Associate's degree, or a High School diploma with relevant business experience.
• Insurance industry designation(s) and certification(s) preferred.
• Proven track record of establishing relationships with agents or colleagues.
• Demonstrated ability to be held accountable for customer-focused, accurate, and timely results.

Responsibilities

• Review and assess small to medium-sized risks of low to moderate complexity.
• Anticipate and identify moderately complex underwriting and marketing problems, thoroughly analyze available information, and make timely, practical decisions.
• Manage underwriting and submission flow for the assigned agency.
• Properly escalate risks beyond the designated authority level to underwriters and/or underwriting leadership.
• Document underwriting file as required to verify account complies with our underwriting guidelines and meets regulatory and underwriting quality standards.
• Proactively collaborate with sales and marketing to generate submissions in line with our appetite.
• Partner with the regional sales manager to develop, implement, and execute agency business plans.
• Communicate with Agents and/or policyholders as appropriate to gather information missing from documents and/or reports, convey the status of applications for new business or endorsements, and strive to preserve the integrity of business relationships.
• Lead or participate in agency meetings and training sessions.
• Use consultative sales skills to successfully negotiate price, terms, and conditions for new and/or renewal business with our agency partners.
• Consistently seek market insight and use internal and external knowledge to inform business decisions.
• Attend agency functions and industry events.
• Evaluate natural catastrophe exposures utilizing available modeling tools to confirm compliance with our underwriting standards.
• Determine if facultative reinsurance is required, secure placement if within your authority, or refer as needed.
• Collaborate with Underwriting and IT staff to participate in strategic initiatives, data conversion, acceptance testing, and provide quality assurance support for the systems development.
• Identify, innovate, and suggest new procedures and/or opportunities to streamline Department processing and record-keeping systems and practices.
• Assist with training and mentoring of less experienced associates when appropriate.

Benefits

• Competitive salary range of $99,207 - $128,354 for the Sr. Underwriter role.
• Hiring range of $71,026 - $97,157 for candidates with less experience.
• Comprehensive benefits package.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Bachelor's degree