Underwriting Consultant II - Flood Product

Allstate • McCullom Lake, IL

1d

About The Position

National General is a part of The Allstate Corporation, which means we have the same innovative drive that keeps us a step ahead of our customers’ evolving needs. We offer home, auto and accident and health insurance, as well as other specialty niche insurance products, through a large network of independent insurance agents, as well as directly to consumers. Job Description We are seeking a detail-oriented Flood Underwriter to evaluate, price, and manage flood insurance risks across a diverse portfolio. The ideal candidate will demonstrate strong critical thinking skills, sound judgment, and the ability to analyze complex data, exposures, and coverage structures to make informed underwriting decisions. This role requires balancing risk appetite with profitability while providing high-level service to internal teams and external partners.

Responsibilities

• Evaluate and underwrite flood insurance submissions in accordance with underwriting guidelines, authority levels, and regulatory requirements
• Apply critical thinking and analytical reasoning to assess flood risk, including property characteristics, flood zones, elevation data, loss history, and catastrophe modeling
• Interpret flood maps, elevation certificates, engineering reports, and third-party data to identify risk factors and coverage implications
• Make independent underwriting decisions, including pricing, coverage terms, limits, deductibles, and exclusions
• Identify potential accumulation and aggregation concerns and escalate complex risks as needed
• Collaborate with brokers, agents, and internal stakeholders to clarify exposure details and negotiate terms
• Maintain accurate documentation of underwriting decisions and rationale
• Monitor portfolio performance, loss trends, and market conditions to recommend underwriting adjustments
• Ensure compliance with all applicable regulations, internal controls, and underwriting standards
• Contribute to continuous improvement of underwriting guidelines, processes, and risk selection strategies

Benefits

• Joining our team isn’t just a job — it’s an opportunity. One that takes your skills and pushes them to the next level. One that encourages you to challenge the status quo. One where you can shape the future of protection while supporting causes that mean the most to you. Joining our team means being part of something bigger – a winning team making a meaningful impact.
• At Allstate, we work hard to help people live a good life every day. Allstaters are dedicated to serving clients, customers, and communities, which allows employees to find meaning and value in their work. Allstate offers an environment that fosters innovative thinking where you’ll be able to explore your ideas and feel proud of the work you do. Allstate helps protect nearly 16 million households with auto, home, life, and retirement products. We want every professional connected to Allstate to be committed to giving our customers the best and that means finding the best talent. We want you to be our next great addition.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed