Monitor the quality of the private flood portfolio and recommend targeted geographic caps and reinsurance coverage(s)
Assist the internal reinsurance buying team by providing underwriting guidelines, underwriting audits, and data to external reinsurance partners
Liaison with teams of exposure modeling, actuarial, data analytics, and predictive modeling to continuously refine exposure, risk selection, and pricing
Manage external audits and compliance requests
Contribute to evaluation of internal and external datasets to improve risk selection
Measure and monitor key performance metrics for the private flood program (quoting activity, quote to bind ratios, average premium) and recommend specific steps to meet target metrics
Manage new business submission flow
Provide direction to rating and operations group to develop quotes
Train and mentor junior underwriters
Track and audit underwriting decisions made by junior underwriters
Constantly scan the private flood insurance market to provide market intelligence
Leverage market intelligence to recommend program changes to ensure products and programs remain competitive with limited selection risk
Collaborate with sales, underwriting, and operations teams to ensure client service objectives are met
Contribute to underwriting automation efforts
Provide insights on underwriting workflow and rating mechanism
Work closely with management, actuarial, and reinsurance teams to set triggers and metrics that make sure our product continues to grow and maintains its modeled integrity
Monitor program finance and exposure reporting and initiate underwriting corrections to be completed
Assist in prospecting new business by developing relationships with the sales team and retail agencies
Accompany sales team on agency visits as underwriting subject matter expert
Assist with developing agency-specific value propositions
Develop custom solutions that cater to customer needs and the external market environment while maintaining underwriting integrity
Referral underwriter for large commercial and residential property schedules and complex flood risk
Leverage flood map data, and structure-specific exposure information, develop PML and loss estimates, and use sound judgment in pricing complex and large schedules of properties
Communicate with retail agents/brokers to obtain documentation for underwriting and pricing flood risk.

Requirements

A minimum of 5 years of experience as a Business Analyst within the insurance industry
Insurance modeling or underwriting experience is desired
Advanced Excel experience and basic SQL knowledge
SQL expertise is highly desired
Professional designations such as CPCU, ARe, ARM, or CIC
Experience with property catastrophe model pricing attributes
Working knowledge of excess & surplus lines statutes
Experience underwriting multi‑family housing and condominium associations
Ability to analyze structural integrity of high‑rise commercial buildings (experience preferred)
Strong communication skills and advanced proficiency in PowerPoint
Proven ability to build and maintain productive relationships with retail agencies; existing relationships with large commercial producers are a plus
Strong initiative, adaptability, critical‑thinking skills, and accountability in a fast‑paced, evolving environment
Solid understanding of company systems, products, and services, ensuring accurate and professional work deliverables.

Benefits

Health insurance
401(k) matching
Paid time off
Flexible work arrangements
Professional development opportunities

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

underwritinginsurance modelingdata analyticspredictive modelingExcelSQLproperty catastrophe model pricingunderwriting automationrisk selectionpricing

Soft Skills

communicationrelationship buildinginitiativeadaptabilitycritical thinkingaccountabilitymentoringcollaborationtrainingmarket intelligence

Certifications

CPCUAReARMCIC