Large Accounts Underwriter

EMC Insurance Companies•North Carolina - Work From Home, TN

4d•$100,085 - $152,122•Remote

About The Position

At EMC, team members work together to make an impact, with opportunities to grow, contribute, and gain meaningful experience. The company aims to be caring leaders, close partners, and responsive experts who support one another. The Large Accounts Underwriter manages a defined territory and drives profitable growth by evaluating complex commercial risks, developing tailored coverage solutions, and making strategic underwriting decisions. The role partners with agents and brokers, builds market relationships, and serves as a resource on EMC's Large Accounts capabilities. Its underwriting insights influence portfolio performance, business growth, and long-term underwriting success. The position may be performed remotely by candidates residing in North Carolina, Georgia, or Tennessee. Candidates who exceed the minimum qualifications may be considered for a higher-level position. The hiring salary range is $100,085–$138,285 or $110,624–$152,122, depending on geographic location. Actual salary depends on factors including relevant education, skills, experience, location, and business needs. EMC describes its benefits as part of a comprehensive rewards package and directs candidates to its careers website for details. All EMC locations, including company vehicles, are tobacco-free.

Requirements

Bachelor’s degree, preferably in insurance or business administration, or equivalent relevant experience.
Five years of commercial underwriting experience or related experience.
Excellent knowledge of underwriting and risk analysis.
Excellent knowledge of at least two lines of business.
Strong written and verbal communication skills, including presentation skills and account analysis documentation skills.
Strong problem-solving skills and the ability to make sound decisions.
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 work effectively with others, as well as independently.
For travel, a valid driver’s license and an acceptable motor vehicle report per company standards are required.

Nice To Haves

Prior experience working with large accounts, including $500K+ premium accounts, loss-sensitive programs, and complex risk profiles.
Insurance designations, such as CPCU.

Responsibilities

Manage and grow a profitable Large Accounts portfolio within assigned underwriting authority and territory.
Evaluate complex multi-line accounts to determine pricing, coverage structures, and risk selection.
Apply underwriting guidelines using loss history, financial data, risk control reports, and pricing tools.
Maintain accurate underwriting documentation to support sound decisions and regulatory compliance.
Negotiate underwriting terms, conditions, and pricing for Large Accounts business.
Build and strengthen relationships with brokers and agents to drive growth and retention.
Educate agency partners on EMC's Large Accounts appetite, capabilities, systems, and services.
Conduct agency visits to discuss opportunities, account performance, and market updates.
Partner with regional leadership on agency strategy, planning, and business development initiatives.
Serve as a Large Accounts subject matter resource for internal business partners.
Collaborate with sales, marketing, and leadership to optimize agency and portfolio performance.
Monitor market trends, competitive activity, and industry developments to inform underwriting and growth strategies.