Senior Underwriter-Analyst

PEMCO•Seattle, WA

About The Position

PEMCO is seeking a Senior Underwriter-Analyst to combine traditional underwriting and relationship-based work with data-driven insights. The role supports business results, agent partnerships, and customers by assessing individual risks, strengthening book and channel performance, and developing trusted agent relationships that support profitable growth and retention. Applicants must reside and work in Washington, Oregon, Ohio, Illinois, North Carolina, South Carolina, Florida, Texas, or Idaho and be available for occasional travel to PEMCO’s Seattle headquarters. PEMCO is a mutual insurance company owned by its Northwest policyholders, providing auto, home, renters, and boat coverage. The company describes its workplace as inclusive and committed to diversity, equity, inclusion, belonging, community partnerships, and social impact. The position requires at least eight years of progressively responsible personal lines underwriting experience, a bachelor’s degree in business or a related field or equivalent work experience, and the CPCU designation. Compensation varies by location and is determined based on qualifications, job-related knowledge, skills, and experience. The stated Greater Seattle area target pay range is $105,762–$129,264, with a full range of $88,135–$146,891. Outside Greater Seattle, the target range is $93,337–$114,079, with a full range of $77,781–$129,634.

Requirements

At least 8 years of progressively responsible personal lines underwriting experience across new and renewal business.
Customer-first mindset and ability to build responsive, collaborative partnerships.
Strong analytical skills, including solving complex problems, identifying root causes, and translating data into clear insights and actionable metrics.
Advanced property and casualty knowledge.
Proficiency in Excel, Word, PowerPoint, and Outlook.
Experience creating and facilitating personal lines learning.
Bachelor’s degree in business or a related field, or equivalent work experience.
Chartered Property Casualty Underwriter (CPCU) designation.
Must reside and work in WA, OR, OH, IL, NC, SC, FL, TX, or ID.
Availability for occasional travel to the Seattle, Washington headquarters.

Responsibilities

Build trusted agent relationships and partner with Sales to evaluate, onboard, and manage agent book performance for profitable growth, retention, and quality.
Manage an underwriting territory by assessing individual risks and portfolio trends, addressing risk quality, and providing responsive service to agents, customers, and stakeholders.
Use analytics, quality reviews, and stakeholder insights to identify adverse selection, premium leakage, and program gaps, then implement and monitor data-driven solutions.
Evaluate and improve underwriting processes, workloads, tools, and automation to improve efficiency, accuracy, customer experience, and rating outcomes.
Serve as an underwriting subject matter expert on complex initiatives, collaborating across Underwriting, Product, and leadership.
Provide mentorship, quality guidance, and underwriting perspective.
Model PEMCO’s policies, values, ethics, and brand; support recruitment and advance the company’s mission.
Perform other duties as assigned.

Benefits

Medical, dental, and vision plan coverage for eligible employees and family members, with employer premium cost shares.
Employer-paid basic life and accidental death and dismemberment insurance.
Long- and short-term disability coverage.
401(k) plan with employer match of 2 to 1 on the first 6% of employee pre-tax and/or Roth deferrals, subject to federal maximums.
Vacation and eight paid holidays in the first year for benefits-eligible employees.
Four floating holidays and up to ten days of sick leave immediately upon hire, prorated based on hire date and full-time or part-time status.
Paid bereavement leave, jury duty leave, and employee volunteering time.
Education Assistance Program after one year of service.
Scholarship program for employees’ children after one year of service.
Children’s birthday gift program.
Flexible Spending Accounts.
Employee Assistance Program.
Charitable gift matching.
Discretionary bonuses may be offered depending on role, contributions, and performance.
Tiered sales commissions and/or incentives may be offered depending on role, contributions, and performance.