Territory Contract Underwriter

About the role

The Territory Contract Underwriter plays a key role in driving profitable growth within an assigned territory through risk evaluation, relationship management, and strategic collaboration. This role requires advanced underwriting judgment, proactive relationship development, and a demonstrated ability to contribute to production goals with minimal oversight. The associate is expected to make thoughtful underwriting decisions on complex cases, build agency partnerships, and influence outcomes through high-quality analysis and interpersonal agility.

Responsibilities

• Underwriting Analysis & Risk Evaluation (50%)
  • Reviews and underwrites contract surety submissions within assigned authority, applying sound judgment and seeking input from colleagues when collaboration can enhance decision quality.
  • Conducts thorough analysis of contractor financial statements, project exposure, and credit reports to assess risk and inform underwriting decisions.
  • Prepares well-reasoned underwriting positions for referral or review. Anticipates potential concerns and proactively addresses them within recommendations.
• Agency and Market Development (40%)
  • Leads account discussions and decision-making during agency meetings, jobsite visits, and presentations.
  • Develops strategic relationships with key agency partners to grow premium and ensure consistent pipeline.
  • Manages agency interactions, including resolving service issues and collecting market intelligence.
• Leadership & Development (10%)
  • Establishes and pursues quarterly and annual production goals in collaboration with manager.
  • Takes ownership of territory-level initiatives and outcomes, using data and feedback to refine strategies.

Qualifications

• Education and Experience:
  • Bachelor’s degree preferred. Fields of study such as business, finance, accounting, or economics are especially relevant.
  • Minimum of 3 years of experience in contract surety underwriting or equivalent financial risk evaluation role.
  • Demonstrated ability to evaluate financial strength, identify key risk indicators, and apply underwriting guidelines.
  • Experience leading agency relationships and representing underwriting decisions in client-facing environments.