Underwriter

Authentic•Dayton, OH

16d

About The Position

Authentic helps insurance brokers create better insurance products for their clients. We provide the technology platform and behind-the-scenes support that lets brokers build custom insurance solutions for specific industries or customer groups. Think of us as the operating system that powers these specialized insurance offerings. For brokers, this means they can offer unique products their competitors don't have, earn more money, and spend less time on paperwork and administrative tasks. We handle the complex (technology, compliance, and partnerships with highly-rated insurance carriers), so they can focus on serving their customers and growing their business. We are seeking a motivated and analytical Underwriter to join our growing team. This role is ideal for someone with strong commercial insurance experience who is looking to take ownership of accounts, deepen carrier and broker relationships, and contribute to a high-growth organization. Position Summary The Underwriter will be responsible for evaluating and managing commercial insurance risks, developing strong broker relationships, and supporting profitable business growth. This individual will review new and renewal submissions, analyze risk exposures, assess pricing and coverage structures, and partner closely with sales and carrier partners to deliver timely underwriting solutions. The ideal candidate brings a strong understanding of commercial underwriting principles, sound decision-making skills, and the ability to thrive in a collaborative and fast-paced environment.

Requirements

3–7 years of commercial insurance underwriting experience required
Strong understanding of commercial lines underwriting principles and risk evaluation
Experience working with retail brokers, MGAs, wholesalers, or carriers
Ability to independently manage multiple accounts and priorities in a fast-paced environment
Strong analytical, organizational, and decision-making skills
Effective verbal and written communication abilities
High attention to detail and strong sense of accountability
Proficiency with Microsoft Office products and insurance agency/carrier systems
Collaborative mindset with the ability to work cross-functionally

Nice To Haves

Experience working for an insurance carrier, MGA, wholesaler, or insurtech platform
Exposure to commercial lines products including General Liability, Property, BOP, Workers Compensation, or Commercial Auto
Experience in small to middle-market commercial business preferred
Insurance licensing, coursework, or industry designations are a plus
Experience working in fast-paced or high-growth environments preferred

Responsibilities

Review and evaluate new and renewal commercial insurance submissions
Analyze risk characteristics, loss history, financial information, and underwriting data
Assess pricing adequacy, coverage structures, and eligibility guidelines
Develop underwriting recommendations and make risk selection decisions within authority levels
Communicate proactively with brokers, carrier partners, and internal teams regarding submissions, quotes, renewals, and underwriting requirements
Manage accounts through the underwriting lifecycle including quoting, binding, endorsements, and renewals
Build and maintain strong broker relationships through responsiveness and service
Monitor account profitability and identify exposure trends
Maintain accurate underwriting documentation and file management
Partner closely with sales leadership to support business development and retention efforts
Contribute to underwriting process improvements and operational efficiencies