Sr. Commercial Lines Underwriter

Responsibilities

• Evaluate and manage risk across a diverse portfolio of property and casualty accounts.
• Evaluate new business applications, request supplemental information, and make underwriting decisions in accordance with company guidelines and reinsurance treaties.
• Analyze renewal business files, assess agency performance, loss history, risk control reports, motor vehicle records, and prior carrier experience.
• Maintain underwriting authority, ensure compliance with internal policies and treaty constraints, and collaborate with underwriting leadership to develop and refine products, pricing strategies, and coverage enhancements.
• Build and sustain productive, profitable relationships with agents and brokers to support business growth.
• Monitor and manage assigned book of business to maintain target loss ratios and underwriting profitability.
• Meet production goals and deliver timely, responsive service to agency partners.
• Evaluate agency performance, make recommendations on agency management issues, and travel within the assigned territory to conduct agency visits, prospect meetings, and market assessments.
• Participate in continuing education through industry and company-sponsored programs to maintain technical proficiency.
• Aid in onboarding and training of junior underwriting staff as directed.
• Collaborate cross-functionally with claims, risk control, actuarial, and product teams to ensure holistic risk evaluation.
• Contribute to process improvements that enhance underwriting efficiency and governance.
• Support strategic initiatives through data analysis, market feedback, and underwriting insights.

Qualifications

• Bachelor's degree in insurance or related field and/or four (4) years minimum commercial lines underwriting and marketing experience or equivalent industry experience preferred.
• Demonstrated ability to develop a profitable commercial lines book of business.
• Demonstrated advanced analytical and critical thinking skills with the ability to assess complex risks, synthesize relevant data, and formulate sound, evidence-based underwriting decisions.
• Proficient in interpreting business publications, industry journals, technical documentation, and regulatory guidelines to inform underwriting strategy and compliance.
• Skilled in drafting clear, concise reports, business correspondence, and procedural documentation that support operational and strategic objectives.
• Communicates effectively in both individual and group settings, presenting information and responding to inquiries from internal stakeholders, agency partners, and external vendors.
• Applies strong quantitative acumen to accurately calculate financial metrics including premiums, commissions, deductibles, and loss ratios.
• Consistently exhibits a professional, approachable demeanor that fosters trust and collaboration with colleagues, agency contacts, and business partners.
• Exemplifies WRBC Leadership Core Competencies and Innovation Behaviors, serving as a role model for excellence, accountability, and continuous improvement.
• Actively supports and promotes the company’s commitment to equal employment opportunity and a diverse, inclusive workplace culture.