Sr. Underwriter Upper Middle Market Property

Howden•Atlanta, GA

5d•Hybrid

About The Position

DUAL North America is seeking a Senior Underwriter for its Upper Middle Market Property division. The role shapes the underwriting framework, manages a portfolio of complex property risks, and expands broker relationships. The Senior Underwriter evaluates insurance submissions and balances risk exposure, coverage needs, and profitability. Working with the underwriting team, the role assesses insurable risk, critical catastrophe exposures, and pricing models, and analyzes exposure to determine capacity placement on shared and layered property programs. The position works within granted underwriting authority, which is expected to be issued within 90–180 days and is granted according to experience level. The role may formally manage one or two direct reports, but this is not required. Travel is listed as up to 25% or more in the role details; the requirements section specifies 10–25% as needed for client meetings, conferences, or industry events. The role is full-time and hybrid, with locations listed in Atlanta, Georgia; Chicago, Illinois; and New York, New York. It reports to the AVP Underwriting or above. The position is classified as exempt.

Requirements

5–8 years of relevant underwriting experience.
In-depth understanding of technical underwriting principles and risk assessment.
Technical knowledge of E&S coverage policy forms and critical catastrophe modeling.
Strong analytical, negotiation, and decision-making skills.
Proven ability to manage and build broker and client relationships.
Ability to handle complex risks with sound judgment.
High self-motivation and strong attention to detail.
Proficiency in Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint.
Ability to travel 10–25% as required for client meetings, conferences, or industry events; role details also state travel may be up to 25% or more.
Ability to remain stationary approximately 50% of the time, with occasional movement throughout the office to access files and equipment.

Nice To Haves

Bachelor’s degree in risk management, finance, business, or a related field.
Professional certification such as CPCU, AU, or a similar designation.
Existing producer relationships.

Responsibilities

Underwrite complex insurance risks within granted authority by identifying and analyzing risk exposures, loss frequency, and severity against desired coverage, and ensure submissions meet program standards and profitability requirements.
Curate a portfolio in accordance with underwriting guidelines and prescribed pricing tools, with greater discretion than an underwriter.
Identify changes in account and market risk exposures and loss trends to maximize profitability.
Work with the Manager to define and execute team production goals.
Review referrals from Underwriters and Associate Underwriters.
Provide technical guidance, coaching, and mentoring to colleagues within the team and company; may formally manage one or two direct reports.
Execute annual new and renewal business goals by achieving agreed premium income and quote numbers with desired hit ratios and retentions.
Build relationships with key producers through travel, events, and meetings as needed.
Gather and compile information required to quote or bind an account.
Apply advanced technical underwriting principles and knowledge of risk characteristics, including risk factors, exclusions, and nuanced risks; may expand knowledge into other lines of business.
Stay current on market dynamics, the competitive landscape, and product differences, and communicate market intelligence to the broader group.
Negotiate with producers within delegated authority and established underwriting standards to achieve profit objectives.