Commercial Lines Sr. Underwriter

Mutual of Enumclaw Insurance•Enumclaw, WA

3d•Hybrid

About The Position

The Commercial Lines Sr. Underwriter – Farm & Agribusiness reports to an Underwriting Manager and underwrites and markets new and renewal business and endorsements within designated authority, in support of corporate objectives. The role partners with Sales and Marketing and agency partners to write and retain profitable business, and independently manages an assigned territory. The position is hybrid, with preference for candidates residing in Washington. Candidates in Oregon, Idaho, Montana, Wyoming, Arizona, or Utah may be considered for a remote workstyle involving occasional travel to the Greater Seattle area. Candidates must be able to work during core Pacific Standard Time business hours and have high-speed internet. The role reviews small to medium, low- to moderate-complexity risks and may occasionally underwrite larger, more complex accounts. It assesses exposures, makes underwriting decisions, manages agency submissions, works with agents on new and renewal business, and collaborates with sales, underwriting, and IT colleagues. The position also contributes to agency plans, training, strategic initiatives, process improvements, and mentoring. The hiring range is $99,207–$112,683, and the stated salary range is $99,207–$128,354. Exact compensation may vary based on skills and experience. The employer notes that compensation is one part of its total rewards package.

Requirements

At least 5 years of underwriting, policy services, or related business experience.
Bachelor’s degree, associate degree, or high school diploma with relevant business experience.
Fundamental understanding of the local marketplace and insurance industry trends.
Understanding of organizational and regulatory rules, policies, and procedures, and ability to apply them in daily work.
Ability to analyze and price risks using necessary tools and resources.
Knowledge of reinsurance treaties and their impact on the business.
Proficiency with Microsoft Office Suite and related software.
Clear, professional verbal and written communication skills.
Ability to provide excellent service to internal and external clients.
Ability to function well in a fast-paced environment and demonstrate urgency and reliability.
Ability to use data to make informed decisions and clearly communicate the rationale.
Teamwork and collaboration skills, curiosity, investigative approach, and willingness to challenge the status quo and suggest possibilities.
Ownership and accountability for actions, outcomes, performance, and results.
Fully proficient in tasks, assignments, problem-solving, project coordination and execution, collaboration, and leadership skills.
Proven track record of establishing relationships with agents or colleagues.
Demonstrated ability to deliver customer-focused, accurate, and timely results.
Ability to work during core Pacific Standard Time business hours and maintain high-speed internet; an internet speed test is required.

Nice To Haves

Insurance industry designation(s) and certification(s).

Responsibilities

Review and assess small to medium risks of low to moderate complexity, and occasionally underwrite larger, higher-complexity accounts.
Identify and analyze moderately complex underwriting and marketing issues and make timely, practical decisions.
Manage underwriting and submission flow for the assigned agency.
Escalate risks beyond designated authority to underwriters or underwriting leadership.
Document underwriting files to verify compliance with guidelines and regulatory and underwriting quality standards.
Collaborate proactively with Sales and Marketing to generate submissions that align with the company’s appetite.
Partner with the regional sales manager to develop, implement, and execute agency business plans.
Communicate with agents or policyholders to gather missing information, convey application or endorsement status, and preserve business relationships.
Lead or participate in agency meetings and training sessions.
Negotiate price, terms, and conditions for new and renewal business with agency partners using consultative sales skills.
Seek market insight and use internal and external knowledge to inform business decisions.
Attend agency functions and industry events.
Evaluate natural catastrophe exposures using available modeling tools to confirm compliance with underwriting standards.
Determine whether facultative reinsurance is needed, secure placement within authority, or refer as needed.
Collaborate with Underwriting and IT on strategic initiatives, data conversion, acceptance testing, and quality assurance for systems development.
Identify and suggest procedures and opportunities to streamline department processing, record-keeping systems, and practices.
Assist with training and mentoring less experienced associates when appropriate.