Senior Underwriter - Commercial Surety

Core Specialty Insurance Services•Cincinnati, OH

3d•Hybrid

About The Position

The Senior Commercial Surety Underwriter is responsible for the evaluation, structuring, and management of commercial surety risk, ensuring the profitable growth of a disciplined underwriting portfolio. This role acts as a credit decision-maker and relationship manager, balancing risk selection, financial analysis, and business development to support long-term portfolio profitability and market positioning. The position combines credit underwriting, contract/legal review, and relationship management. Serves as a market-facing representative responsible for developing broker and client relationships while expanding commercial surety production. Functions as a senior technical resource within underwriting, providing guidance and leadership on complex risks and program strategies.

Requirements

Bachelor’s degree in Business, Accounting, Finance, or related field is required
Proven experience (typically 3+ years) in underwriting roles within the surety industry
Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over work authorization sponsorship now or in the future for this position.
Strong technical underwriting expertise, including knowledge of surety principles, financial risk assessment, and bond forms.
Excellent analytical and decision-making skills, with the ability to assess complex risks and provide solutions
Effective communication and interpersonal skills for building relationships and managing stakeholder expectations
Proficiency in underwriting software systems, Microsoft Office Suite, and Adobe.
Quantitative analysis skills
Ability to present and negotiate complex agreements with brokers
Effective time management and organizational skills
Ability to work independently and perform quality work within deadlines

Nice To Haves

Advanced degree or professional certifications (e.g. AFSB, CPCU, etc.) is preferred

Responsibilities

Underwrite new and renewal commercial surety accounts within delegated authority
Evaluate financial strength, liquidity, leverage, and cash flow adequacy of applicants
Assess risk of default by determining the principal’s capacity to meet contractual obligations
Demonstrate strong surety bond product knowledge and ability to work with surety account management systems to document for complex commercial surety accounts
Responsible for developing and managing a book of business, meeting/exceeding profitability objectives as set forth by leadership
Building and growing strategic relationships as well as identifying new opportunities for business within the region
Ensure adherence to underwriting guidelines, regulatory guidelines, and company policies
Build and maintain strong relationships with key business partners to support business growth and retention
Collaborate with agents, brokers, and internal stakeholders to address underwriting inquiries and resolve issues