Senior Underwriter - Nonprofit/Human Services

Church Mutual Insurance Company, S.I.•,

2d•Remote

About The Position

The Senior Underwriter analyzes complex insurance submissions within established binding authority and company underwriting guidelines. The role recognizes exposures, identifies coverage alternatives, provides risk management suggestions, and prices coverage appropriately. It manages a highly complex assigned book of business and provides recommendations on underwriting guidelines, products, pricing strategies, and other directives to help achieve corporate goals and improve the book of business. The position serves as an underwriting expert and leader, offering consultation on unique situations and sharing expertise through training and mentoring. It works closely with the sales force, management, and other departments to support customers, explain underwriting decisions, and achieve corporate objectives. The role may be fully remote or hybrid, with office attendance Tuesday through Thursday for employees close to an office location.

Requirements

Typically 10 or more years of relevant experience, preferably underwriting property and casualty insurance for nonprofit or human services entities.
Ability and initiative to work independently and be self-directed.
Expertise in underwriting functions, insurance coverages, and principles, including reinsurance application and administration.
Ability to handle highly complex insurance transactions and operate as a subject matter expert and leader in commercial underwriting.
Demonstrated ability to identify and analyze exposures, recognize concerns, and develop appropriate solutions.
Strong decision-making ability in situations outside parameter-based guidelines but within binding authority.
Strong ability to explain decisions and negotiate appropriate solutions.
Solid organizational skills.
Ability to provide leadership through knowledge, confidence, and integrity, and to work effectively in a team environment.
Commitment to learning, accepting challenges, personal improvement, and sharing knowledge.
Ability to build and maintain positive working relationships and work closely with management to achieve corporate objectives.
Advanced ability to communicate professionally, respectfully, and promptly.
Ability to use CM Group computer systems and stay current with changes.
Responsible and dedicated approach to completing workload expectations and assisting others when necessary.
Ability to travel as necessary or required.

Nice To Haves

Bachelor's degree is strongly preferred.
Associate in Underwriting (AU) designation or successful completion of two Chartered Property Casualty Underwriter (CPCU) courses may be considered in lieu of a degree.
Property and casualty insurance underwriting experience with nonprofit or human services entities.

Responsibilities

Write and retain business within established binding authority, in compliance with filings and corporate objectives.
Analyze, evaluate, document, and make underwriting decisions for a highly complex assigned book of business.
Identify exposures to loss, coverage alternatives, risk management recommendations, and appropriate pricing; negotiate solutions with customers in mind.
Decline or nonrenew business that does not meet underwriting standards.
Understand and administer reinsurance functions and calculations according to company guidelines.
Communicate with a supervisor about issues exceeding binding authority and territory issues.
Maintain effective relationships with and mentor the sales force; explain coverages, forms, guidelines, and underwriting philosophies.
Research and share information to help service customers and suggest coverage, pricing, and risk management options.
Maintain underwriting expertise and advanced knowledge of insurance issues, products, market trends, pricing principles, policy forms, and relevant operations.
Develop underwriting knowledge and personal skills through internal and external professional development.
Help achieve customer expectations by meeting timeliness expectations, assisting territories as needed, and interacting positively with customers and colleagues.
Serve as a subject matter expert and resource to underwriting and other CM Group personnel, including assisting with complex accounts and special projects.
Provide leadership by modeling effective conduct, engaging in change, resolving issues, supporting teamwork, taking responsibility, and building trust.