Commercial Lines Account Manager, Small Business

About the role

At Community Financial System, Inc. (CFSI) we are dedicated to providing our customers with friendly, personalized, high‑quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. We are committed to our employees, offering competitive compensation, great benefits, and professional development and advancement opportunities.

Responsibilities

• Contribute to the profit of the agency by managing a book of assigned commercial lines accounts with an individual account premium generally less than $1,000 in revenue and less complex.
• Provide service to commercial clients and maintain a high retention of customers.
• Conduct detailed coverage analysis and provide consultation and coverage recommendations to clients.
• Consult with clients regarding insurance program needs.
• Proactively reach out to clients for ongoing engagement.
• Demonstrate technical proficiency with coverages and various types of insurance policies as appropriate.
• Handle telephone requests and miscellaneous correspondence (e.g., mortgagee requests, certificates, additional insureds).
• Rate and quote renewal Commercial Lines risks.
• Screen, place, and approve Commercial Lines applications.
• Review applications, renewal requests, and endorsements for compliance with underwriting authority and guidelines.
• Maintain familiarity with company underwriting guidelines and binding authority.
• Prepare and authorize ID cards for auto clients when necessary.
• Initiate, screen, and prepare endorsement requests on Commercial Lines.
• Authorize cancellation requests.
• Rate and compute endorsement, cancellation, additional, or return premiums.
• Review company‑produced policies, endorsements, and audits for accuracy.
• Compute and initiate premium finance contracts as needed.
• Take claim reports and maintain claim files on clients handled as needed.
• Prepare summaries and proposals of insurance for existing accounts.
• Prepare bonds, endorsements, and cancellations.
• Utilize Agency Management System, Microsoft Word, and other required software with working knowledge and competency.
• Authorize binding of Commercial Lines coverage within authority granted by the carrier.
• Contact carriers and producers as needed.
• Maintain client files and make client contacts as needed.
• Participate in seminars and classes for skill and knowledge development.
• Perform other duties as required.
• Maintain proficient knowledge of, and demonstrate ongoing compliance with, all applicable laws, regulations, policies, procedures, and internal controls, and meet all training requirements in a timely manner.

Qualifications

• Education: High School Diploma.
• All applicants must be 18 years of age or older.
• Professional Certifications/Licenses: Property/Casualty License required.
• If licensed, maintain an active Agent/Broker License.