Director of Underwriting

Lighthouse Risk is currently seeking a Director of Underwriting to join our team in Dallas, TX.

Position Overview:

The Director of Underwriting will lead the strategic and operational underwriting function for Lighthouse Risk’s commercial property portfolio. This individual will play a key role in shaping underwriting strategy, ensuring technical excellence, managing portfolio performance, and mentoring a growing team of underwriters. The ideal candidate brings experience in E&S property underwriting, a strong command of risk selection and pricing discipline, and a proven ability to balance production and profitability.

• Develop and execute the underwriting strategy for Lighthouse Risk’s middle-market property portfolio, ensuring alignment with overall MGA goals.
• Lead, coach, and mentor a team of underwriters, promoting technical excellence, accountability, and collaboration.
• Partner with executive leadership to refine underwriting appetite, guidelines, and capacity utilization strategies.
• Drive continuous improvement in underwriting processes, analytics, and workflow efficiency.

Underwriting Management

• Oversee underwriting activities across habitational, hospitality, retail, and mixed-use property classes.
• Evaluate and approve risks within delegated authority; refer complex or high-limit accounts to CUO or capacity partners as required.
• Ensure underwriting compliance with Lighthouse Risk guidelines, reinsurance treaties, and carrier requirements.
• Maintain underwriting discipline through rigorous review of submissions, inspections, valuations, and coverage terms.

Portfolio Performance & Analytics

• Monitor portfolio performance metrics including rate adequacy, hit ratio, loss ratio, and exposure concentration.
• Utilize catastrophe models (AIR, RMS) and internal tools to assess and manage aggregate risk and accumulation.
• Collaborate with actuarial and data teams to develop and refine pricing models, rating tools, and risk scoring methodologies.
• Identify emerging trends in property exposures and propose data-driven underwriting adjustments.

Distribution & Relationship Management

• Build and maintain relationships with retail and wholesale distribution partners across the U.S.
• Represent Lighthouse Risk in market meetings, conferences, and industry associations.
• Partner with distribution leadership to develop broker segmentation strategies and optimize submission flow.

Requirements:

• Bachelor’s degree in Risk Management, Finance, or related field (CPCU, ARM, or equivalent designations preferred).
• Experience developing underwriting guidelines, pricing models, or MGA program frameworks.
• Exposure to rating tools, API-based submissions, or digital underwriting environments.
• Minimum 5 years of commercial property underwriting experience, including at least 3 years in the E&S market.
• Demonstrated success managing underwriting teams or portfolios within a property MGA, carrier, or Lloyd’s platform.
• Strong technical knowledge of property construction, protection, occupancy, and exposure (COPE) analysis.
• Experience with habitational, hospitality, and retail property classes.
• Proficiency in CAT modeling tools (AIR, RMS, or equivalent) and exposure management platforms.
• Strong analytical and decision-making skills with a disciplined, profitability-driven mindset.
• Excellent communication, negotiation, and leadership abilities.

Learn more about Lighthouse Risk at www.lrmga.com.

Must be able to successfully pass pre-employment (post-offer) drug screen and background check.

Lighthouse HR Services is committed to equal employment opportunity for all persons regardless of race, color, religion, sex, age, national origin, citizenship status (as defined under the Immigration Reform and Control Act), disability, or marital status, sexual orientation or veteran’s status. Lighthouse HR Services is also committed to providing all of its internship programs and activities on a nondiscriminatory basis.

Equal employment opportunity extends to all aspects of the employment and/or internship relationship including hiring, recruiting, interviewing, selection, transfer, promotion, training, working conditions, compensation, benefits, and other terms and conditions of employment.