Commercial Lines Underwriter, Senior

Pennsylvania Lumbermens Mutual Insurance Company

Senior Underwriter at Penn National Insurance working with Field Representatives to ensure profitable underwriting accounts. Requires extensive experience and knowledge in multi-line underwriting processes.

Posted 7/24/2026full-timeRemote • 🇺🇸 United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in multi-line underwriting, risk assessment, and financial analysis, with a strong understanding of commercial coverages and policy forms. Proficient in utilizing CAT management tools and maintaining effective communication and negotiation skills to build client relationships.

Highest-signal resume keywords

Multi-Line Underwriting ExperienceCPCU CertificationRisk AssessmentFinancial AnalysisCAT Management Tools

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Underwriting ProcessesCommercial CoveragesPolicy ConstructionReinsurance KnowledgeCommercial Rating TechniquesLoss AnalysisMVR OrderingNegotiation SkillsFinancial Stability AnalysisProblem Solving

Soft Skills

Organizational SkillsCommunication SkillsTeam CollaborationRelationship Management

Tools & Technologies

CATography Software

Certifications & Qualifications

CPCUARMCICAU

Industry Keywords

Risk ManagementInsurance IndustryUnderwriting AuthorityBroker CoordinationClient Liquidity

About the role

Key responsibilities & impact

Review applications for class acceptability, completeness (request additional info, if appropriate), and risk acceptability
Evaluate classification for accuracy
Review Dunn & Bradstreet Reports or financial statement as appropriate to ensure client liquidity
Coordinate pricing with the broker and Field Representative by determining expiring price as well as target price and who competition is. Obtain commitment from broker regarding account placement if we meet the target price
Develop any additional underwriting information necessary to determine risk acceptability and if appropriate, have a tentative quotation developed
Run location specific CAT model using JLT’s CATography software
Secure Reinsurance quote, if needed
Coordinate quotation’s release with the Field Representative
Establish a diary on the quotation for follow up with broker to ascertain initial acceptability, re-diary for follow up prior to effective date to ascertain our success and, if appropriate, consider last minute revisions
Refer risks exceeding underwriting authority with a recommended handling action to the Underwriting Manager
Process all quotations by broker’s “need by” date
Review file for completeness of underwriting information and, if necessary, coordinate/obtain any missing or incomplete information
Contact broker and implement the renewal retention program as outlined under separate cover
Complete a loss analysis
Evaluate most recent Technical Service information; if necessary obtain updated or new report. Confirm status of recommendations that are outstanding (or may be)
Make renewal decision, i.e. renew (and, if so, at what price) or non-renew
Confirm policy construction issues
Involve Underwriting Manager as appropriate
Process all renewals at least 30 days prior to effective date unless the broker or insured delays processing by withholding information
Review requests for completeness of information
Evaluate request for acceptability
Consider any pricing issues
Process all endorsement requests within 10 days of receipt
Verify drivers' list is complete including full names, dates of birth, drivers’ license numbers and, states of licensing. Underwrite this information in light of the risk you are reviewing
Order MVRs. Re-underwrite driver information once the MVRs are available
Develop detailed loss information by reviewing hard copy from prior carriers

Requirements

What you’ll need

Bachelor’s degree in Risk Management and Insurance; or equivalent relevant experience
6 plus years demonstrated multi-line underwriting experience in a similar environment
Professional designation of CPCU or equivalent (ARM, CIC, AU) preferred
Understanding of and ability to apply underwriting processes to potential and current risks
Demonstrated ability to analyze financial stability and determining a clients’ liquidity
Detailed understanding and “current knowledge” of commercial coverages and policy forms
Good understanding of commercial rating techniques
Knowledge of reinsurance marketplace, both facultative and treaty
Good understanding of policy construction detail
Knowledge of CAT management tools and understanding of exposure, both at individual account and book level
Outstanding organizational skills resulting in the ability to handle a large workload.
Strong communication skills (both oral and written)
Strong negotiation skills
Basic understanding of the insurance industry as a whole
Basic understanding of the sales process
Ability to work in a team environment
Ability to build and manage relationships with clients and fellow employees
Ability to identify and solve complex problems

Benefits

Comp & perks

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