Wholesale Property Underwriter

Summary/Job Purpose

The Wholesale Property Underwriter evaluates, underwrites, and prices complex commercial property risks within the wholesale and excess & surplus (E&S) marketplace. This role focuses on evaluating submissions, pricing risk appropriately, and building strong broker relationships to drive profitable growth.

Essential Functions

• Evaluate, underwrite, and price complex property risks, including CAT-exposed accounts
• Review submissions including loss runs, engineering reports, and catastrophe modeling outputs
• Exercise underwriting authority to quote, bind, decline, or modify risks in accordance with company guidelines
• Develop, manage, and grow a profitable book of wholesale business
• Build and maintain strong relationships with wholesale brokers and distribution partners
• Negotiate pricing, terms, conditions, and coverage structures tailored to individual risks
• Monitor and respond to changing market conditions, capacity, and competitive dynamics
• Ensure compliance with underwriting guidelines, regulatory requirements, and internal audit standards
• Collaborate with actuarial, claims, risk control and CAT management teams to support profitability and risk management
• Provide guidance, mentorship, and technical support to junior underwriting staff as needed

Qualifications

• Advanced knowledge of commercial property underwriting, particularly within the wholesale/E&S market
• Strong technical expertise in catastrophe modeling and exposure analysis
• Ability to assess large, complex, and challenging risks with sound underwriting judgment
• Proven track record of building and maintaining broker relationships
• Strong negotiation, analytical, and decision-making skills
• Excellent communication and presentation skills

Education And Experience

• Bachelor’s degree in Finance, Risk Management, Business, or related field (or equivalent experience)
• 3+ years of commercial property underwriting experience, with significant exposure to wholesale/E&S business
• Experience underwriting middle-market to large property risks, with an emphasis on non-admitted business, layered placements, & shared programs
• Professional designations such as CPCU, ARM, ARE, AINS or AU are strongly preferred
• Experience with catastrophe modeling tools (e.g., RMS, AIR, Verisk) is a plus

Pay

The base pay range is $100,000.00 - 130,000.00. Salary determinations are based on various factors, including but not limited to, relevant work experience, skills, certifications and location.

Additional Benefits

• Healthcare and Retirement Benefits
• Comprehensive medical, dental, and vision coverage
• 401(k) with a generous employer match and profit-sharing contribution
• Wellness incentive program
• Life and accidental death and dismemberment (AD&D) insurance
• Flexible spending programs
• Short-term and long-term disability plans
• Additional Benefit Programs
• Paid time off program
• Paid charitable leave
• Paid parental leave
• Tuition reimbursement program
• Personal insurance (auto/homeowners) discounts