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Director of Portfolio Underwriting & Operations

Mutual of Enumclaw Insurance•Enumclaw, WA
•Onsite

About The Position

Mutual of Enumclaw is seeking a Director of Portfolio Underwriting & Operations to lead Underwriting Operations and Portfolio Underwriting & Solutions across Personal, Commercial, and Farm lines. Reporting to the AVP, Underwriting Risk & Operations, this leader is accountable for selecting and managing the right collection of risks, processing policies accurately and on time, and using processes, vendors, and technology to enable underwriters to focus on risk decisions. The role partners with Field/Production Underwriting, Product Management, Claims, IT, and vendors, and is accountable for reaching industry-benchmark staffing efficiency while protecting service and profitability. The Director leads an organization of approximately 23 through two direct-report managers: the Operations Manager for Personal, Commercial, and Farm Operations, and the Portfolio Underwriting & Solutions Manager. The successful candidate will work on-site at Mutual of Enumclaw’s Home Offices in the Greater Seattle area and must live within driving distance.

Requirements

  • 10 or more years of progressive P&C insurance experience, including significant experience in underwriting, portfolio management, or underwriting operations.
  • 5 or more years of experience managing teams.
  • Deep understanding of P&C underwriting principles, portfolio management, premium audit, and profitability drivers, including loss ratio, rate adequacy, retention, and mix.
  • Strong analytical skills and comfort with data, business intelligence tools, staffing and productivity models, and predictive model outputs.
  • Demonstrated leadership of cross-functional, technology-enabled initiatives, process mapping, and workflow redesign.
  • Excellent verbal and written communication skills, including the ability to turn complex data into concise, actionable executive updates.
  • Strong leadership skills, including leading through other managers and guiding teams through organizational change.
  • Excellent organizational skills and attention to detail.
  • Ability to operate at both strategic and operational levels and deliver strategic initiatives on time.
  • Bachelor’s degree or equivalent experience.
  • Ability to work on-site at the Home Offices in the Greater Seattle area and live within driving distance.
  • Ability to sit for prolonged periods and work on a computer, including video conferencing.

Nice To Haves

  • Commercial or Farm insurance experience; familiarity with Personal Lines.
  • Experience leading managers.
  • Experience with portfolio analytics, quality review programs, or premium audit.
  • Experience leading workflow automation or technology implementations; AI-enabled solutions or workflow platforms are a plus.
  • Advanced degree.
  • CPCU, CIC, AU, or another insurance industry designation or certification.
  • Project management, process improvement, or change management certification.

Responsibilities

  • Lead, mentor, coach, and guide assigned staff; conduct succession planning, set goals and performance expectations, and build leadership bench strength.
  • Foster data-driven decision-making, continuous improvement, and accountability across the organization.
  • Manage external vendor relationships for underwriting data, tools, inspections, and service providers.
  • Monitor portfolio loss performance, appetite, segmentation, growth, retention, rate adequacy, and mix by line, segment, territory, and agency.
  • Lead a disciplined cycle of portfolio review, investigation, recommendations, partnership, and measurement.
  • Bring underwriting guideline and authority recommendations to the Field/Production Underwriting Director and line managers, and measure results after changes.
  • Oversee the underwriting quality program, including file reviews, guideline adherence, and exception analysis; route findings to UW Training for targeted training.
  • Oversee premium audit, including audit ordering, exposure verification, and class validation, and use results to identify exposure, class, and agency patterns.
  • Direct inspection strategy as an expense and insurance-to-value lever in partnership with Loss Control / Risk Services and Product Management.
  • Lead one Operations team across Personal, Commercial, and Farm through the Operations Manager; own service levels, accuracy, timeliness, workflow, and the ability to flex capacity across lines.
  • Set standards for associate- and operations-level work, maintain a dotted line to underwriting, and build a career path into underwriting.
  • Own the operations KPI framework, including SLA attainment, throughput, first-pass quality, cycle time, touch ratios, and straight-through processing.
  • Lead workforce and capacity planning using time studies, touch-ratio studies, process mapping, and productivity models measured against industry staffing benchmarks.
  • Own the underwriting solutions roadmap, including AI-enabled new business underwriting, renewal and endorsement efficiency, agent self-service, account dashboards, and workflow automation.
  • Prioritize enhancements using performance data and underwriter pain points, and serve as business lead for underwriting technology initiatives in partnership with IT.
  • Create charters and CBAs for underwriting projects, ensuring business cases, requirements, testing, measurable ROI, and defined success metrics.
  • Track initiative capacity gains and translate released capacity into staffing plans through attrition and no-backfill decisions.
  • Lead vendor evaluation, selection, contracting, and performance management, ensuring solutions deliver measurable value.
  • Champion change management and adoption of new tools and processes across underwriting and operations.
  • Deliver concise, bottom-line-first executive reporting on portfolio performance, operational KPIs, benchmark status, and initiative results.

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Based on current job postings on Teal, the average Director Of Operations salary in the US is approximately $133,000 per year, with a typical range of $75,000 to $225,000.
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