Senior Underwriter

The Senior Commercial Underwriteris responsible forindependently evaluating, underwriting, and managing complex commercial insurance risks in alignment with company underwriting guidelines, appetite, and profitabilityobjectives. This roleappliesadvanced technicalexpertise, sound judgment, and market awareness to assess risk quality, determineappropriate coverageterms and pricing, and drive disciplined growth within an assigned portfolio. The Senior Underwriter serves as a trusted resource to agents and internal partners, provides guidance on unusual or higherhazard accounts, and supports underwriting consistency through mentoring, collaboration, and adherence to regulatory and company standards.

ESSENTIAL FUNCTIONS:

• Review and assess new business, renewals, endorsements, and cancellations across applicable commercial lines of business.

• Applyappropriate classifications, coverage forms, endorsements, deductibles, and limits based on exposure analysis

• Ensure policy terms, conditions, and pricingcomplieswithfiled rates, rules, state regulations, and company standards.

• Document underwriting decisions clearly and thoroughly in underwriting systems.

• Maintain accuracy and quality of policy documentation and underwriting records.

• Negotiate terms and conditions within authority to balance profitability and competitive positioning.

• Build andmaintaineffective working relationships with agents, brokers, and internal stakeholders.

• Manage andmonitorassignedbook ofbusiness to support profitability, growth, and retention goals.

• Handles co-signs/referrals andmentorsnew underwriters.

• Assesses alternative ways to make a risk acceptable independently and will often mentor other UW levels on advanced or complex risks.

• Serves as the underwriting representative for assigned territory.

• Educates, coaches, andtrainsagents on underwriting procedures, philosophy, and new products.

REQUIRED QUALIFICATIONS:

• Associate or bachelor'sdegree preferred but not required.Equivalent experience considered in place of collegiate studies.

• Six to eight years of underwriting experience, or equivalent P&C industry and/or Farming or Commercial industry knowledge.

• Strong written and verbal communication skills with the ability to explain underwriting decisions clearly.

• Sound judgment and problemsolving abilities.

• Additional Qualifications:

• Experience mentoring orcoachingless experienced underwriters.

PREFERRED QUALIFICATIONS:

• Strong knowledge of commercialcoverages, policy forms, endorsements, and ratingmethodology.

• Familiarity with ISO forms, classifications, and statespecific rules and regulations.

• Ability toidentifycoverage gaps, emerging risks, and portfolio trends.

• Industry designations, such as AINS, AU, or CPCU.

OCCUPATIONAL REQUIREMENTS:

• The position requiresthe abilityto effectively communicate with others to exchange information.

• A person in this positionestablishesmethods and procedures forattainingspecific goals andobjectivesandreceives guidance in terms of broad goals. Only thefinal resultsof work are typically reviewed.

The position requires physical presence inthe companyoffice on a full-time basis.

Depending on the qualifications of the candidate, this role may be filled at a lower level.

The base salary range provided below is for hires in those geographic areas only and will becommensuratewith candidate experience. Pay ranges for candidates in other locations may differ based on the cost of labor in that location.

Albany & Chicago- $75,000 - $115,000