Senior Treaty Reinsurance Underwriter

Dow•Midland, MI

1d•Onsite

About The Position

Dow is hiring a Senior Treaty Reinsurance Underwriter at its World Headquarters in Midland, Michigan. The position manages and underwrites a portfolio of treaty reinsurance business across designated lines and territories. It evaluates, prices, negotiates, and monitors proportional and non-proportional treaty arrangements to support profitability, portfolio diversification, and alignment with the organization’s risk appetite. The role works closely with brokers, cedents, actuarial, claims, finance, and other internal teams to promote disciplined underwriting performance and profitable growth. Dow’s insurance subsidiaries participate in domestic reinsurance markets and work with Dow Corporate Risk Management to finance portions of Dow’s fortuitous risks. The subsidiaries are domiciled and regulated in multiple states and have invested assets exceeding $4 billion. Dorinco Reinsurance Company leads the subsidiaries and holds an AM Best “A” rating, with more than $700 million of revenue and $2.2 billion of admitted assets. The successful candidate will help manage and shape insurance underwriting activities across property and casualty lines. The role reports to the Vice President of Operations of the Consolidated Insurance Subsidiaries and provides technical guidance and mentorship.

Requirements

Bachelor’s degree in insurance, finance, risk management, actuarial science, accounting, or a related field, or relevant military experience at or above a U.S. E5, Canadian Petty Officer 2nd Class, or Sergeant ranking.
At least 7 years of relevant experience in insurance or reinsurance underwriting, marketing, commercial insurance operations, and/or other relevant experience.
Ability to work legally in the United States; visa sponsorship or support is unavailable, including for any U.S. permanent residency (green card) process.
Strong quantitative and analytical skills, including the ability to assess complex data and draw meaningful insights.
Ability to communicate complex concepts clearly, concisely, and effectively to diverse audiences.
Excellent project management and organizational skills, with the ability to prioritize and execute multiple initiatives.
Negotiation and facilitation skills, including the ability to influence outcomes, build consensus, and drive productive conversations.
Ability to adapt in a fast-paced, high-pressure environment with changing priorities and challenges.
Collaborative approach to working across teams and functions.
Interest in risk quantification, financing, and effective financial risk management.

Nice To Haves

Master’s degree or higher, preferably in Business Administration or Insurance.
Professional insurance designation such as Chartered Property/Casualty Underwriter (CPCU), Associate in Reinsurance (ARe), Associate in Risk Management (ARM), or another risk- or underwriting-related designation.
Previous experience in treaty reinsurance underwriting, marketing, or commercial reinsurance operations.
Prior experience in insurance or reinsurance underwriting.
Experience in a related finance field, or a demonstrated interest and commitment to the field as a career switcher.
Curiosity, commitment to continuous learning and professional development, and a proactive, solution-oriented approach.

Responsibilities

Assist in managing the execution of direct insurance and reinsurance business under the ultimate direction of the Vice President of Insurance Operations.
Collaborate on and incorporate comprehensive business plans to attain revenue and profitability objectives aligned with Dorinco risk parameters.
Develop and implement marketing and growth strategies.
Evaluate, price, and structure reinsurance transactions across a diversified portfolio.
Prepare underwriting recommendations and portfolio reviews for senior management.
Assess risk exposures, terms and conditions, and coverage structures to ensure profitability and alignment with risk appetite.
Lead renewal negotiations and participate in new business development initiatives.
Monitor portfolio performance, including loss trends, rate adequacy, and capital utilization.
Collaborate with finance, actuarial, legal, and other internal stakeholders to create innovative program designs and execute them.
Ensure compliance with underwriting guidelines, regulatory requirements, and governance standards.
Develop and maintain strong relationships with intermediaries and clients, ensure service excellence, and promote Dorinco’s solutions to drive profitable growth.
Provide technical guidance and mentorship.

Benefits

Equitable and market-competitive base pay and bonus opportunity, along with locally relevant incentives.
Programs supporting physical, mental, financial, and social well-being.
Competitive retirement program that may include company-provided benefits, savings opportunities, financial planning, and educational resources.
Employee stock purchase programs, subject to availability by location.
Student Debt Retirement Savings Match Program for U.S. employees.
Medical and life insurance packages with a variety of coverage options; travel insurance is also available in certain countries or locations.
Training, mentoring, work experiences, community involvement, and team-building opportunities.
Role-based workplace flexibility.
Competitive yearly vacation allowance.
Paid time off for new parents, including adoptive and foster parents.
Paid time off to care for sick or injured family members.
Paid time off for volunteering and Employee Resource Group participation.
Wellbeing Portal for Dow employees.
On-site fitness facilities, subject to availability by location.
Employee discounts for online shopping, cinema tickets, gym memberships, and more.
Domestic relocation assistance, which may be provided based on eligibility.
Some locations may offer transportation allowances, meal subsidies or vouchers, and carbon-neutral transportation incentives.