Senior Commercial Underwriter

EMC Insurance Companies

Senior Commercial Underwriter responsible for evaluating complex accounts and maintaining agency relationships at EMC. Managing underwriting risks and leading less experienced underwriters.

Posted 7/10/2026full-timeRemote • Montana • 🇺🇸 United StatesSenior💰 $92,670 - $128,045 per yearWebsite

About the role

Key responsibilities & impact

Selects, grows and maintains a profitable book of business for assigned high-volume territory with a high level of underwriting authority
Evaluates highly complex accounts, such as different business operations, multiple lines of business or special pricing requirements, for risk selection and pricing purposes
Analyzes exposure, company and branch risk appetite, account premium and loss history, financial data, line(s) of business, price guidance, motor vehicle records, online sources of information, reports from premium audit or risk improvement and other relevant information to underwrite policies
Offers appropriate coverage for exposures
Maintains proper file documentation in connection with accounts
Develops and fosters agency relationships
Educates agents on EMC products, underwriting appetite, systems and services
Visits agencies to discuss accounts and provide agents with updates at EMC in order to maximize opportunities
Coordinates with marketing and branch management in the agency planning and review processes
Serves as a mentor for less experienced underwriters
Answers questions, shares recommendations for complex situations, such as difficult accounts, communication strategies or problematic agency relationships and explains the rationale for recommendations

Requirements

What you’ll need

Bachelor's degree, preferably in insurance or business administration
Five years of experience in commercial lines underwriting
Insurance designations, such as CPCU preferred
Excellent knowledge of underwriting and risk analysis
Exceptional problem-solving skills and the ability to make sound decisions
Strong customer service skills
Strong computer skills, including knowledge of Microsoft Office and social media
Ability to work on multiple projects while meeting deadlines
Excellent written and verbal communication skills, including the ability to speak effectively before groups
Strong presentation skills preferred
Ability to work effectively with others, as well as independently
Demonstrated leadership qualities
Occasional travel; a valid driver’s license with an acceptable motor vehicle report per company standards required if traveling

Benefits

Comp & perks

Outstanding benefits with life, medical, dental, vision and prescription drug coverage
Competitive paid time off plan and a full day of volunteer time off annually
Financial incentives, including a 401(k) plan match, pension plan, OneEMC bonus plan and recognition and anniversary awards
Professional development and growth opportunities, including tuition reimbursement
Wellness initiatives to improve team member well-being and reduce health insurance costs
Flexibility to dress for your day and opportunities for alternative work arrangements

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Underwriting AuthorityRisk SelectionExposure AnalysisFinancial Data AnalysisPolicy Documentation

Soft Skills

Problem-Solving SkillsWritten CommunicationVerbal CommunicationPresentation SkillsInterpersonal Skills

Certifications

Bachelor's Degree in Insurance or Business AdministrationCPCU Certification