Lead Underwriter, Personal Lines
About The Position
As a Lead Personal Lines Underwriter, you will evaluate and manage a broad range of new business and policy changes, making underwriting decisions that balance risk, customer needs, and company guidelines. You will serve as a resource to agency partners and fellow underwriters, offering guidance on complex risks, coverage questions, and underwriting solutions. This hybrid role is based in the Presque Isle, Maine office, with a schedule of three days in the office and two days at home after training is complete. The position reports to the Operations Supervisor for Personal Lines. The role’s essential functions include evaluating, accepting, modifying, or declining Personal Lines new business and endorsement risks, analyzing documents to assess risk, and providing underwriting guidance and support to the team. These responsibilities involve prolonged computer use, attention to detail, and effective verbal and written communication. Reasonable accommodations will be considered through an interactive process, consistent with applicable law and business needs.
Requirements
- At least 5 years of experience in underwriting or a related field.
- Sound judgment and analytical skills, including the ability to assess complex risk information.
- Strong communication and relationship-building skills, particularly when working with agency partners.
- Ability to serve as a technical resource and provide guidance to other underwriters.
- Strong organization, problem-solving, and technology skills.
- Ability to travel occasionally, including overnight stays as needed.
Nice To Haves
- Knowledge of Personal Lines products, coverages, policy forms, underwriting guidelines, and rating concepts.
Responsibilities
- Evaluate, accept, modify, or decline Personal Lines new business and endorsement risks in accordance with underwriting guidelines and authority.
- Analyze applications, inspections, claims history, property information, and other documentation to assess risk, determine coverage, and recommend risk improvements when needed.
- Apply knowledge of Personal Lines products, policy forms, rating processes, and underwriting guidelines to make decisions and resolve complex coverage issues.
- Provide underwriting guidance and support to Underwriters, including assistance with complex transactions and on-the-job training as assigned.
- Refer unusual or higher-risk exposures beyond established authority to Senior Underwriters or Underwriting Management for review and approval.
- Review high-exposure claims, catastrophe and concentration risks, and other underwriting information to identify concerns and recommend action.
- Build and maintain agency relationships by responding to questions, providing guidance, explaining decisions, and obtaining information needed to evaluate risks.
- Support underwriting initiatives and special projects, including new agent development, re-underwriting efforts, book transfers, and monitoring marketplace activity.
- Maintain accurate underwriting documentation and records in Company systems.
- Participate in agency visits, industry meetings, training, and other business activities requiring occasional travel, including overnight stays.
Benefits
- Up to 7% employer contributions into a 401(k) retirement plan.
- Short-Term Incentive Bonus Plan.
- Comprehensive medical, dental, and vision insurance.
- Generous paid time off and company holidays.
- Tuition assistance and professional development opportunities.
- Community involvement opportunities supported by MMG's commitment to giving back.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
