Sr Underwriter

BP&C•Albany, NY

1d•Onsite

About The Position

The Senior Commercial Underwriter is responsible for independently evaluating, underwriting, and managing complex commercial insurance risks in alignment with company underwriting guidelines, appetite, and profitability objectives. This role applies advanced technical expertise, sound judgment, and market awareness to assess risk quality, determine appropriate coverage terms and pricing, and drive disciplined growth within an assigned portfolio. The Senior Underwriter serves as a trusted resource to agents and internal partners, provides guidance on unusual or higher‑hazard accounts, and supports underwriting consistency through mentoring, collaboration, and adherence to regulatory and company standards.

Requirements

Associate or bachelor's degree preferred but not required. Equivalent experience considered in place of collegiate studies.
Six to eight years of underwriting experience, or equivalent P&C industry and/or Farming or Commercial industry knowledge.
Strong written and verbal communication skills with the ability to explain underwriting decisions clearly.
Sound judgment and problem‑solving abilities.

Nice To Haves

Experience mentoring or coaching less experienced underwriters.
Strong knowledge of commercial coverages, policy forms, endorsements, and rating methodology.
Familiarity with ISO forms, classifications, and state‑specific rules and regulations.
Ability to identify coverage gaps, emerging risks, and portfolio trends.
Industry designations, such as AINS, AU, or CPCU.

Responsibilities

Review and assess new business, renewals, endorsements, and cancellations across applicable commercial lines of business.
Apply appropriate classifications, coverage forms, endorsements, deductibles, and limits based on exposure analysis.
Ensure policy terms, conditions, and pricing comply with filed rates, rules, state regulations, and company standards.
Document underwriting decisions clearly and thoroughly in underwriting systems.
Maintain accuracy and quality of policy documentation and underwriting records.
Negotiate terms and conditions within authority to balance profitability and competitive positioning.
Build and maintain effective working relationships with agents, brokers, and internal stakeholders.
Manage and monitor assigned book of business to support profitability, growth, and retention goals.
Handles co-signs/referrals and mentors new underwriters.
Assesses alternative ways to make a risk acceptable independently and will often mentor other UW levels on advanced or complex risks.
Serves as the underwriting representative for assigned territory.
Educates, coaches, and trains agents on underwriting procedures, philosophy, and new products.