Commercial Underwriter III

EMC Insurance Companies

About The Position

At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together. Candidates that exceed the minimum qualifications may be considered for a higher level position. Ideal candidate will be located in Kansas or Oklahoma

Requirements

Bachelor's degree, preferably in insurance or business administration, or equivalent relevant experience
Three years of experience in commercial lines underwriting
Strong knowledge of underwriting and risk analysis
Excellent problem-solving skills and the ability to make sound decisions
Ability to work effectively with others, as well as independently
Ability to maintain high standards of professional competence
Strong customer service skills
Strong computer skills, including knowledge of Microsoft Office and social media
Ability to work on multiple projects while meeting deadlines
Ability to effectively communicate products, procedures, business planning and system information necessary to positively influence production within assigned territory
Strong written and verbal communication skills, including the ability to speak in front of others
Occasional travel; a valid driver’s license with an acceptable motor vehicle report per company standards required if traveling

Nice To Haves

Insurance designations, such as CPCU preferred
Strong presentation skills preferred

Responsibilities

Selects, grows, and maintains a profitable book of business for assigned territory within underwriting authority.
Evaluates complex accounts, such as different business operations, multiple lines of business or special pricing requirements, for risk selection and pricing purposes.
Analyzes exposure, company and branch risk appetite, account premium and loss history, financial data, line(s) of business, price guidance, motor vehicle records, online sources of information, reports from premium audit or risk improvement and other relevant information to underwrite policies.
Offers appropriate coverage for exposures.
Maintains proper file documentation in connection with accounts.
Develops and fosters agency relationships.
Educates agents on EMC products, underwriting appetite, systems, and services.
Visits agencies to discuss accounts and provide agents with updates at EMC.
Communicates with agents proactively.
Identifies opportunities and potential barriers within agency relationships.
Collaborates with marketing representatives to ensure agents receive excellent customer experiences, responsiveness, and select EMC as their insurer of choice.
Effectively explains decisions to accept or reject a risk to agents.
Coordinates with marketing and branch management in the agency planning and review processes.
Monitors progress of assigned agents and guides agents in achieving annual goals.
Seeks feedback from agents and takes action to improve their experience and grow strong books of business.
Researches industry changes, competition, target markets and new products.
Answers questions, shares recommendations for complex situations and explains rationale for recommendations for less experienced underwriters.

Benefits

More than 105 years of financial strength and stability
Named a five-star insurance carrier by Insurance Business America
Two-time recipient of the Best Practices Award of Excellence from the Independent Agents & Brokers of America
Multiple locations recognized as Top Workplaces based solely on team member feedback
Corporate culture that engages and empowers team members to achieve their best
Outstanding benefits with life, medical, dental, vision and prescription drug coverage
Competitive paid time off plan and a full day of volunteer time off annually
Financial incentives, including a 401(k) plan match, pension plan, OneEMC bonus plan and recognition and anniversary awards
Professional development and growth opportunities, including tuition reimbursement
Wellness initiatives to improve team member well-being and reduce health insurance costs
Flexibility to dress for your day and opportunities for alternative work arrangements