Middle Market Underwriter

About the role

This role is responsible for determining risk acceptability, pricing, coverages, terms, and conditions by analyzing and evaluating complex exposures and underwriting criteria on Middle Market risks for the assigned line(s) of business and healthcare verticals. Adheres to Company guidelines and state regulations and works within a level of authority delegated by Underwriting leadership.

Responsibilities

• Evaluates new business, renewals, and policy changes to determine risk acceptability, analyze exposures, and establish appropriate pricing, terms, and coverage.
• Manages portfolio performance to achieve growth and profitability goals by partnering with distribution partners, analyzing loss trends, and taking timely underwriting actions.
• Ensures compliance with underwriting guidelines, authority levels, company policies, and regulatory requirements.
• Reviews loss control reports, identifies risk management actions, and follows up on outstanding underwriting information.
• Uses data and analytics to inform decisions, identify trends, and improve underwriting practices.
• Builds and maintains strong relationships with distribution partners to drive profitable growth and participates in agent and client meetings.
• Delivers consistent, high-quality service by managing workflow, responding promptly to inquiries, and meeting established turnaround standards.
• Maintains accurate underwriting documentation, including decisions, rationale, and supporting information.
• Collaborates with internal partners to balance workload, improve processes, and support operational efficiency.
• Stays informed on industry trends, emerging risks, and competitor offerings to enhance underwriting decisions.
• Meets performance expectations and supports team development through mentoring, training, or knowledge sharing as needed.

Requirements

• High School diploma or equivalent and 10 years of related experience; or Associate's degree or equivalent and 8 years of related experience; and Industry related certification: Chartered Property Casualty Underwriter (CPCU)
• Progress toward completion of CPCU designation

Qualifications

• High School diploma or equivalent and 10 years of related experience; or Associate's degree or equivalent and 8 years of related experience; and Industry related certification: Chartered Property Casualty Underwriter (CPCU)
• Progress toward completion of CPCU designation

Skills

• Analyze complex risks and make critical decisions.
• Work independently and use initiative.
• Possess critical thinking skills and sound judgment in underwriting decisions.
• Determine when and how to escalate concerns to the appropriate level of management.
• Understand and apply laws, rules and regulations.
• Deal with confidential information.
• Possess negotiation skills and analytical thinking, with the ability to explain decisions to others.
• Establish and maintain effective working relationships with those contacted in the course of work.
• Interact externally and internally with professionalism and confidence.
• Possess a high level of executive functioning skills to organize and prioritize work.
• Able to handle multiple tasks at once.
• Meet finite deadlines and deal with pressure situations.
• Maintain records; prepare reports/correspondence related to the work.
• Contribute effectively to the accomplishment of team or work unit goals, objectives and activities.
• Read, interpret and input data efficiently and accurately.
• Communicate and work effectively with others (oral and written).
• Follow oral and written directions.
• Correct English usage, spelling, grammar, vocabulary and punctuation.
• Knowledge of management information and business systems such as Word, Excel, PowerPoint etc.
• Utilize computer and related software effectively.

Benefits

• Health, Dental, Vision & Life coverage
• 401(k) with Company Match
• Paid Time Off
• 8 Paid Holidays
• Volunteer Time Off
• Paid Parental Leave
• Hybrid/Remote Work Options
• Employee Assistance Program
• Tuition Reimbursement