Sr Personal Lines Underwriter (Hybrid)

Selective Insurance Company of America•Short Hills, NJ

2d•Hybrid

About The Position

The Sr Personal Lines Underwriter consults with and serves as a primary contact for agency partners on risk eligibility, rating, and coverage for personal lines products. The role conducts multi-state, multi-line exception underwriting and, within its authority, accepts, modifies, declines, cancels, or non-renews personal lines exposures. It underwrites at the agency level and manages results for assigned agencies by evaluating financial measures, quality of business, submissions, and cancellation trends. The underwriter develops and monitors profitability improvement plans for under-performing agencies and performs all duties in compliance with applicable legal and regulatory requirements. The position works with agents, personal lines marketing specialists, agency analysts, and other departments to maintain profitable business, provide underwriting guidance, evaluate agency performance, and support service quality. It also contributes to process improvements, agency visits, meetings, rate changes, system enhancements, and training for new hires.

Requirements

Superior financial and analytical skills.
Strong interpersonal, organizational, and time-management skills.
Strong PC skills, including strong Excel skills.

Responsibilities

Quote, accept, decline, modify, and renew risks within assigned authority and in accordance with underwriting guidelines.
Work with agents, personal lines marketing specialists, and other departments to grow and maintain a profitable book of business.
Analyze profit and growth for assigned agents and territory; collaborate on agency book reviews and recommendations for improvement or placement on APIP; develop and follow up on APIP plans.
Guide agents and other departments on underwriting information, communicate underwriting decisions and appetite, and deliver consistent service quality.
Review agency submission lists for common risk characteristics and submission-quality trends; determine and communicate appropriate actions and implement and monitor plans.
Respond to agent and, in some cases, customer inquiries about coverage; adjust policy information within authority; conduct follow-up correspondence and resolve referred issues within the role’s expertise or authority.
Apply knowledge of coverage forms, rating plans, and guidelines to ensure appropriate pricing, risk classification, accurate information, and compliance with underwriting standards and philosophy.
Recommend workflow, communication, and agency-management efficiencies, including new or revised reports.
Participate in agency visits as needed to support Personal Lines Marketing Specialists.
Maintain effective service and communication with agents by telephone and written correspondence.
Attend meetings and provide input on rate changes, system enhancements, and agent reviews; provide training for new hires.