Sr. Underwriter Upper Middle Market Property

Howden•Atlanta, GA

7d•$115,000 - $140,000•Hybrid

About The Position

DUAL North America is seeking a Senior Underwriter for its Upper Middle Market Property division. The position shapes the underwriting framework, manages a portfolio of complex property risks, and expands broker relationships. It provides technical expertise in evaluating insurance submissions by balancing risk exposure, coverage needs, and profitability. The role involves leading and collaborating with a team of underwriters to evaluate insurable risk, critical catastrophe exposures, and pricing models, producing a profitable underwriting portfolio. The Senior Underwriter also analyzes exposure to determine capacity placement on shared and layered property programs. The role is classified as exempt and full-time, reports to an AVP Underwriting or above, and may involve travel of up to 25% or more. The listed salary range is $115,000 to $140,000. The position is hybrid and based in Atlanta, Chicago, or New York. Underwriting authority is expected to be issued within 90–180 days, in accordance with experience level.

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.
Proficiency in Microsoft Office Suite, including Word, Excel, Outlook, and PowerPoint.
Demonstrated ability to handle complex risks with sound judgment.
High self-motivation and strong attention to detail.
Ability to travel 10–25% as required for client meetings, conferences, or industry events.
Ability to remain in a stationary position 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 certifications such as CPCU, AU, or similar designations.
Existing producer relationships.

Responsibilities

Underwrite complex insurance risks within granted authority by identifying and analyzing risk exposures, loss frequency and severity, and desired coverage; 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; may formally manage one or two direct reports, though this is not required.
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 needed to quote or bind accounts.
Apply advanced understanding of technical underwriting principles and risk characteristics, including risk factors and how they change over time, basic exclusions, and nuanced risks; may expand knowledge of 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.