Underwriter

Ryan Specialty • Houston, TX

21d • $85,855 - $95,000

About The Position

The Underwriter manages a portfolio of accounts and supports new and renewal business opportunities for Energy accounts, with a focus on upstream Oil & Gas risks. Working under the guidance of senior underwriting professionals, the role evaluates risk exposures, reviews submissions and underwriting data, and helps determine suitable coverage terms, conditions, and pricing. The Underwriter develops knowledge of upstream, midstream, and downstream Energy operations and ensures decisions align with company guidelines and delegated authority. The position also works with brokers, agents, and internal stakeholders to build relationships, provide responsive service, and contribute to profitable portfolio growth.

Candidates should have at least two years of underwriting or related insurance experience and a strong interest in the Energy industry. A bachelor's degree in a relevant field is preferred, though equivalent industry experience may be considered. Applicable state Property & Casualty licenses must be obtained and maintained as required.

The target salary range is $85,855 to $95,000 annually. Full-time roles are eligible for bonuses and benefits. The company offers paid time off for holidays, vacation, sick and personal days, paid parental leave, mental health services, and additional benefits.

Requirements

• At least 2 years of commercial underwriting experience, Energy underwriting experience, or related Property & Casualty insurance experience.
• Strong analytical, organizational, and relationship-building skills, with the ability to assess risk and communicate underwriting recommendations effectively.
• Proficiency with Microsoft Office applications and underwriting systems.
• Ability to obtain and maintain applicable state Property & Casualty licenses as required.
• A bachelor's degree in Risk Management, Insurance, Business Administration, Finance, Economics, or a related field is preferred; equivalent industry experience will also be considered.

Nice To Haves

• Experience underwriting or supporting risks in the upstream Oil & Gas sector.
• Progress toward or interest in pursuing industry designations such as CPCU, ARM, AU, or AINS.

Responsibilities

• Support underwriting new and renewal Energy business, primarily upstream Oil & Gas risks, including exploration, drilling, production, and related operations.
• Review submissions, applications, loss runs, engineering reports, and supporting documentation to assess risk quality and identify exposures.
• Assist with analysis of coverage requests, policy forms, endorsements, and underwriting information in accordance with company guidelines and delegated authority.
• Evaluate risk characteristics, operational hazards, loss history, and financial information to help determine whether risks should be accepted, modified, or declined.
• Support the development of pricing, coverage terms, conditions, and limits based on underwriting analysis and market conditions.
• Work with senior underwriters to maintain and manage a profitable upstream Energy portfolio and provide strong service to brokers and clients.
• Work with brokers to gather information, negotiate terms, and respond promptly to submissions, quotes, renewals, and policy issuance needs.
• Monitor renewal accounts and help identify opportunities to improve retention and expand broker relationships.
• Maintain accurate underwriting documentation and comply with company underwriting standards, regulatory requirements, and carrier guidelines.
• Collaborate with claims, risk engineering, actuarial, and operations teams to support informed underwriting decisions.
• Participate in broker meetings, industry events, and training opportunities to expand Energy market knowledge and strengthen professional relationships.
• Stay current on upstream Oil & Gas trends, emerging risks, market conditions, regulatory developments, and underwriting best practices.

Benefits

• Paid time off for company holidays, vacation, sick, and personal days.
• Paid parental leave.
• Mental health services.
• Bonuses and benefits eligibility for full-time roles.
• Comprehensive benefits package intended to support physical, financial, and emotional well-being.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level