Lead/Senior Personal Lines Underwriter

About the role

MMG is seeking an experienced Personal Lines Underwriter and will consider candidates at either the Senior or Lead level. Placement within the role and corresponding compensation will be based on the candidate’s experience, technical expertise, leadership capabilities, and overall qualifications.

As a Personal Lines Underwriter, you will evaluate and manage complex personal insurance risks, making sound underwriting decisions that support MMG's profitability and growth objectives. This role serves as a technical resource and mentor to underwriting staff, partners closely with agencies, and provides expertise on underwriting guidelines, risk selection, and coverage solutions while fostering strong agency relationships and exceptional service. This role reports directly to the Personal Lines Operations Supervisor.

This is a hybrid role based in our Richmond, VA office. The hybrid schedule will be three days in the office and two days remote after the training period.

Responsibilities

• Manage the profitability, growth, and overall performance of an assigned Personal Lines territory, monitoring results and reporting key metrics.
• Evaluate, accept, modify, or decline complex and high-value Personal Lines risks in accordance with underwriting guidelines, policy forms, and rating requirements.
• Analyze applications, inspections, claims history, financial information, and other risk data to assess exposures and make sound underwriting decisions.
• Research coverage questions and recommend solutions that align with company guidelines and profitability goals. Refer risks that exceed authority levels to underwriting leadership and provide recommendations for consideration.
• Collaborate with Claims, Marketing, agencies, and other business partners to address underwriting issues, claims trends, coverage questions, and customer concerns.
• Serve as a technical resource and mentor, providing guidance and support to underwriting team members.
• Build and maintain strong agency relationships through regular communication, meetings, agency visits, and occasional travel.
• Participate in special projects, agency development initiatives, and other initiatives that support Personal Lines underwriting objectives.

Requirements

• 5+ years of Personal Lines underwriting experience with demonstrated success in evaluating and managing routine to complex risks.
• Proven ability to analyze risk exposures and make sound underwriting decisions within established authority levels.
• Strong understanding of portfolio management, profitability, catastrophe exposure analysis, claims trends, and book-of-business performance.
• Excellent communication and relationship-building skills with agencies, internal business partners, and customers.
• Strong organizational, analytical, and problem-solving skills with the ability to manage multiple priorities in a fast-paced environment.
• Ability and willingness to travel periodically for agency visits, meetings, conferences, and training (20-25% of the time).

Preferred Qualifications

• CPCU, AU, AINS, API, or other insurance-related professional designation.
• Prior experience serving as a lead underwriter, mentor, team lead, or subject matter expert.
• Experience participating in underwriting projects, agency reviews, re-underwrites, training initiatives, or process improvement efforts.

Pay

The anticipated annual salary range for this position is $62,000 – $88,000. This position may be filled at different levels depending on the candidate's experience and qualifications, and the final title, level, and compensation will be determined based on the selected candidate's qualifications, experience, skills, and overall fit for the role. Compensation decisions are made in alignment with internal equity and market considerations.

Essential Functions

• Evaluating personal insurance risks and making underwriting decisions within authority.
• Communicating effectively with internal and external partners.

These responsibilities require prolonged computer use, strong attention to detail, and effective verbal and written communication. Consistent with applicable law, reasonable accommodations will be made to support individuals with disabilities in performing the essential functions of their job, provided that such accommodations do not impose an undue hardship on the business.