Underwriter - Personal Lines

Nationwide

23h•$49,100 - $91,300•Remote

About The Position

If you’re passionate about helping people protect what matters most to them at a Fortune 100 company with nearly $70 billion in annual sales, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide’s Property and Casualty team could be the place for you! At Nationwide®, “on your side” goes beyond just words. Our customers and partners are at the center of everything we do and we’re looking for associates who are passionate about delivering extraordinary care. We're looking for insurance professionals who combine strong customer service skills with an analytical mindset. Successful underwriters on our team build strong relationships with agents, make sound underwriting decisions, and help drive profitable growth while delivering an exceptional customer experience. Success on our team requires a blend of customer service skill and analytical prowess. Each account we work on is interesting and challenging. Satisfaction comes from finding solutions that provide the best coverage and give our partner agents a way to differentiate themselves from the competition. If you are adaptable, responsive, love customers and really want to make a difference, we want to hear from you! As an Underwriter you will accept, retain and classify moderate exposure new and renewal policies (case and underwriting) based on granted authority. We'll count on you to manage an assigned underwriting territory to build agency relationships, identify business trends and help drive profitable growth for agencies. You will be key to provide input into portfolio underwriting on business and selection practices of agents within their territory and helps drive agency action plans. You will be counted on as a key partner with sales, claims, and other internal resources to drive profitable growth. You may also assist with transfer underwriting efforts.

Requirements

Insurance industry experience preferred
Prior underwriting experience is helpful but not required
Strong customer service and relationship-building skills
Ability to analyze risk, make decisions, and manage competing priorities
Backgrounds in claims, service, or other insurance-related roles are often a strong fit
Standard business policies, practices and procedures.
General understanding of basic analytical and financial techniques.
Acquires and maintains an understanding and adheres to state specific statutes involving underwriting, applicable insurance laws and regulations.
Strong critical thinking and decision-making skills are required.
Strong verbal and written communication skills necessary to interact with all levels of internal and external contacts.
Key competencies include: business acumen, functional/technical skills, command skills, interpersonal savvy, negotiating, problem solving, drive for results, managing and measuring work, customer focus, and decision quality.
Ability to be flexible and adaptable to changing situations.

Nice To Haves

Pursuit of technical insurance coursework such as CPCU preferred.

Responsibilities

Underwrite new and renewal Personal Lines business within authority
Evaluate risks and make underwriting decisions based on company guidelines
Manage an assigned territory and support profitable growth objectives
Build and maintain strong relationships with independent agents
Partner with Sales, Claims, and other internal teams to support agency success
Provide exceptional service while balancing quality, efficiency, and production expectations
Accept, retain and classify moderate exposure new and renewal policies (case and account underwriting) based on granted authority.
Manage an assigned underwriting territory to build agency relationships, identify business trends and help drive profitable growth for agencies.
Provide input into portfolio underwriting on business and selection practices of agents within their territory and helps drive agency action plans.
Act as a key partner with sales, claims, and other internal resources to drive profitable growth.
Assist with transfer underwriting efforts.
Obtains agency, district, and market information from published sources, company data bases, and partnerships with sales, claims, agency and portfolio to perform underwriting analysis and identify business trends and opportunities for profitable growth
Reviews individual risks for acceptability and handles those within authority based on company underwriting guidelines and standards.
Uses critical thinking and understanding of the market and underwriting best practices to assess the total risk proposition and alternatives for acceptability.
May analyze issues related to rules performance through automated systems.
Completes assigned underwriting transactions and tasks within established time and service standards.
Makes decisions to accept, modify or decline personal lines business based on underwriting analysis, best practices and judgment.
Determines the proper classification of risks to ensure the matching of price and product to the customer.
Plans completion of assignments to meet agreed upon timelines and service level agreements.
Consults with agents and collaborates with internal partners regarding underwriting decisions.
Uses underwriting curiosity to recommend additional products, coverages and discounts to ensure the agency and customer receive maximum value and adequate coverage.
May consult regarding risk mitigation strategies.
Communicates underwriting decisions to agencies and internal departments.
Provides clear communication of rationale for decisions and options.
Chooses most effective communication method based on issue, situation and audience.
Strengthens agency relationships through regular contact on underwriting matters, promoting profit and new business growth, renewal retention and service capabilities.
May participate in the management of agency performance as part of the underwriting team.
Responds to requests from agents and underwriting staff with resolution within established time and service standards.
May handle escalated customer service issues based on authority level.
Routes issues outside of authority level to appropriate individuals.
Participates in training classes, department and company meetings.
May perform other responsibilities as assigned.

Benefits

medical/dental/vision
life insurance
short and long term disability coverage
paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date
nine paid holidays
8 hours of Lifetime paid time off
8 hours of Unity Day paid time off
401(k) with company match
company-paid pension plan
business casual attire