Underwriter

• Directs effective product development, pricing and underwriting through managing all components of profit, loss, and expenses for our largest, and/or most complex product lines
• Achieves profitability and growth goals through the development and execution of annual strategic plan including specific underwriting, pricing, retention, service, and expense plans
• Analyzes book trends and manages catastrophe plans
• Analyzes data on competitors’ products, programs, and pricing levels
• Implements new pricing levels and product modifications
• Enhances existing products and programs
• Maintains a strong professional knowledge of regulatory and legal environments
• Communicates and acts on this information effectively
• Develops methods for building and mobilizing a technically competent and highly effective staff capable of meeting current and future needs of the corporation
• Ensures compliance with underwriting standards and authorities
• Has ultimate underwriting authority for the Surety line of business
• Directs underwriting decisions in compliance with state laws
• Directs in the creation of underwriting guidelines, product and coverage forms or system modifications
• Monitors corporate results, develops and implements actions as needed

Senior Underwriting Director - Contract Surety

• Under the direction of an Underwriter or Senior Underwriting Assistant
• Work to support the Underwriting workflow in the day-to-day servicing and processing of new business and renewal accounts.
• Daily communication with Underwriters and/or Senior Underwriters to ensure that tasks are being completed.
• Assist in audit preparation.
• Responsible for ensuring quality processing throughout the life cycle of a policy while building working relationships with internal and external teams.
• Maintains underwriting files by ensuring all relevant documents are included and appropriately filed/documented within System.
• Develop and maintain a strong working knowledge of underwriting guidelines, coverage forms, enhancements, rating plans and workflow.
• Follows up with Brokers and appropriate departments for outstanding subjectivities, loss run requests, inspections and other documentation as needed.
• Assist in the review of new and renewal submissions to determine if they meet underwriting criteria, and for completeness of documentation.
• Request and review incoming Broker of Record letters, as appropriate.
• Process non-renewals and cancellation letters and endorsements.
• Review, finalize and issue policies.
• Underwrite risks and assist the Underwriting team in accordance with the business plan and within delegated underwriting authority.

Underwriting Assistant

• responsible for the overall management, business development, analysis and monitoring of a highly complex book of business
• recognized as a technical expert in underwriting shared & layered property policies
• works on highly complex underwriting risks employing diagnostic and systematic analysis to assess acceptability
• develops specialized endorsement language for highly complex risk
• determines appropriate pricing of complex risks for assigned book of business
• makes recommendations on underwriting policy and pricing strategy
• analyzes quality, quantity, and profitability of highly complex risks underwritten; prepares and presents reports to management
• markets products and services through agencies or through the brokerage community and makes field visits
• develops and maintains agency and/or broker relationships
• keeps current on state/territory issues and regulations, industry activity and trends
• mentors and guides less experienced underwriters
• utilizes advanced functionality in relevant CNA systems to perform day-to-day activities
• responsible for special underwriting projects and presentations

Underwriting Consultant, National Accounts Property – Shared & Layered

• Understand and analyze business reports needed in the underwriting processes
• Responsible for all risk selection/rejection, pricing, retention, growth, and profitability for their branch office
• Assess risk quality in compliance with company guidelines
• Review the underwriting of others and make recommendations for extending surety credit
• Develop and maintain strategic relationships with internal and external stakeholders
• Communicate effectively
• Deliver exceptional customer service
• Make timely, informed decisions
• Operate with integrity and honesty
• Hold self and team accountable for achieving established objectives
• Coach and develop team

Commercial Surety Underwriting Specialist – Southeast/Mid-Atlantic

• Underwriting is shifting from a static to a dynamic ecosystem powered by predictive models, advanced data integration, and automated decision engines.
• Our Underwriting Strategy and Capabilities team serves as the engine room for technological change for our personal lines of business.
• Leading tech-savvy teams to design modular, cross-product solutions.
• Managing the execution flow and multimillion dollar IT budget of our portfolio.
• Architecting our long-term strategic roadmaps.
• Accountable for developing new products and overseeing and managing the launch and maturation of new products into target strategic markets.
• Acting as a cross functional expert providing expertise and support for product line initiatives related to product development, compliance, operational and process improvements, claims management, vendor management, product documentation, fulfillment, and/or system releases.
• Responsible for the development of digital first products supporting the needs and risks of USAA Members.
• Responsible for maintaining thorough level of knowledge of business and underwriting performance for products in scope (e.g.trends, results, etc.).
• Responsible for post-launch monitoring, maintenance and underwriting of 'new in market' products based on product performance, member needs and competitive changes in the market including but not limited to product rules, rates, and forms.
• Conducting complex analysis of internal and external data and member information to support formulation of product strategy and enhance competitive intelligence.

Underwriting Strategy and Capabilities Director

• Evaluates and underwrites new and renewal business in accordance with Company underwriting guidelines and risk appetite.
• Analyzes risk data to make informed decisions on coverage, pricing, and terms.
• Collaborates with actuaries, agents, brokers, and clients to obtain necessary information and clarify details.
• Orders and reviews additional reports and screens, such as motor vehicle reports, loss history reports, outside inspections, etc., to inform decisions.
• Ensures proper documentation of underwriting decisions and compliance with state and federal insurance regulations.
• Evaluates existing policies for potential renewal or modification.
• Communicates underwriting decisions clearly and effectively to internal teams, agents, and brokers.
• Stays updated on industry trends, regulatory changes, and market conditions.
• Develops and maintains effective business relationships with internal and external customers/coworkers, focusing on generating new business and retaining profitable business.
• Interprets, explains, and markets products and services.
• Performs other duties as assigned.

Senior Underwriting

• Lead a specialized team managing complex, high-value disability cases
• Operationalize strategy and implement solutions to improve experiences for underwriters, advisors, and customers
• Foster a culture of risk discipline, accountability, collaboration, and knowledge sharing
• Assume full ownership/accountability of underwriting decisions including escalations
• Collaborate with leadership to challenge the status quo and improve operations costs and quality
• Implement and monitor key performance metrics to drive improved outcomes in placement ratios and advisor satisfaction
• Maintain competitive awareness through participation in industry events and strategic initiatives

Director of Disability Underwriting – Large Case Unit

• Design and execute underwriting strategies that drive profitable growth while ensuring strong, risk-adjusted returns.
• Establish and oversee underwriting guidelines, pricing models, and risk selection standards to ensure consistency and sound decision-making.
• Monitor and evaluate portfolio performance, underwriting KPIs, and loss trends to identify opportunities for improvement and optimize results.
• Lead, coach, and develop a high-performing team of commercial underwriters, ensuring alignment with company goals and fostering professional growth.
• Conduct quarterly quality assurance audits, assess underwriting accuracy and compliance, and present actionable insights to senior leadership.

Commercial CAT Underwriting Manager

• Establish and ensure adherence to risk appetite, risk selection, coverage analysis, underwriting guidelines and underwriting authority for assigned line(s) of business.
• Create consistency in underwriting and pricing decisions and enhance monitoring standards to assess underwriting results at the portfolio level.
• Provide subject matter expertise and support for complex referrals.
• Acquire and leverage market intelligence to compare to peers’ and ensure a competitive fit for our agency customers.
• Work with Product leadership to develop new product ideas and review coverage language.
• Assist in underwriting governance by participating in underwriting audits, monitoring exception thresholds and working with regional management on improvement plans.

Underwriting Consultant

• Calculates renewal rates for large complex cases based on thorough analysis of experience, location, demographics, etc.
• Determines and provides guidance to medical underwriters concerning the risk selection of applicants applying for individual health coverage.
• Coordinates with other departments to ensure accuracy and consistency of overall account reporting.
• Proposes rates for prospective business utilizing a combination of other carrier experience, demographic data and manual rates.
• Performs post-sale reviews.
• Prepares or supervises preparation of annual settlements, ERISA reports, rate projections, or benefit change increments and decrements.
• Surveys existing product portfolios by market, monitors sales results, trends and needs, recommends product portfolio changes.
• Assists in establishing rating and administrative procedures.
• Participates in major multi-functional teams as underwriting representative.
• Assists in the technical development of underwriting associates.

Group Underwriting Consultant

• Execute quality reviews by reconstructing Employee Benefits underwriting cases to validate adherence to compliance and regulatory standards, pricing protocols, underwriting standards, documentation protocols and guidelines.
• Perform targeted audits on emerging trends, areas of concern or process changes to inform Risk Management practices and guidelines.
• Complete root cause analysis on quality reviews and audit results by evaluating data for quality trends and opportunities from multiple sources including, but not limited to independently run reports.
• Deliver meaningful feedback in a respectable manner to Underwriters and or their leaders when reporting Quality results, trends, and recommendations.
• Support Strategic Reserve by underwriting cases during peak periods; collaborate effectively with business customers (Underwriting & Sales) to meet customer deadlines.
• Identify learning opportunities based on quality findings: prepare and present training materials when applicable.
• Lead or participate in strategic initiatives exhibiting thought leadership by providing insightful input and expertise to influence and deliver optimal business outcomes.
• Function as an Underwriting Subject Matter Expert: stay current with guideline, best practice, tool and system enhancements.
• Competently articulate enhancements to Underwriters to ensure consistency across the organization when deviations are identified.
• Effectively coach and mentor Underwriters, provide insightful and comprehensive consultations, tailor conversations based on individual needs to instill expertise among our Underwriting organization.
• Manage own time and workload efficiently: balance multiple priorities to fulfill all commitments within established timeframes.

Quality Underwriting Consultant

• Manage a team of staff insurance professionals in planning, developing, and administration of USAA Group P&C products and programs which support both corporate and P&C operational performance objectives
• Directs the identification, analysis, development, and implementation of complex initiatives that maintain the relevance and integrity of our underwriting policies, processes and programs
• Implementation may include overseeing business configuration efforts, including testing and deployment
• Directs the development, maintenance and optimization of existing processes and systems to comply with legal and company requirements while delivering maximum ROI
• Ensures adherence to established policies and effective program support
• Manages identification and implementation of opportunities to improve processes and systems to increase member conductivity, employee experience, risk mitigation, and operational efficiency

Director, P&C Underwriting – Focus on Process Excellence

Senior Underwriter

• Manages an underwriting staff and is accountable for business results through the oversight
• Leads the management of a multi-region renewal portfolio and oversees the work activities, performance, and development of underwriting staff
• Makes recommendations on underwriting policy and pricing strategy to management
• Prepares and presents operational reports to management
• Develops, maintains and cultivates agency and/or broker relationships to ensure positive and profitable outcomes

Underwriting Manager

• Lead commercial underwriting operations and manage underwriting staff performance.
• Establish and maintain underwriting guidelines defining acceptable classes, restricted risks, and target profitable segments.
• Develop and manage Florida commercial auto underwriting appetite and eligibility standards.
• Review, approve, modify, or decline complex fleet and transportation risks.
• Evaluate risk factors including driver quality, vehicle type, radius of operation, commodity hauled, DOT compliance, loss history, garaging territory, and financial stability.
• Monitor portfolio concentration by class, territory, and fleet size to ensure balanced risk distribution.
• Analyze loss trends and portfolio performance to recommend underwriting strategy adjustments.
• Ensure compliance with Florida regulations and applicable state and federal transportation requirements.
• Monitor underwriting KPIs, quality standards, and operational performance benchmarks.
• Partner with claims, actuarial, product, and executive leadership to support profitability initiatives.
• Provide coaching, technical guidance, and leadership development to underwriting staff.
• Drive process improvements and operational efficiencies.

Commercial Auto Underwriting Manager

• Provides leadership, coaching and direction to the underwriting team to ensure growth and profitability.
• Identifies opportunities to develop new business.
• Ensures the Equine book of business meets budget and performance targets.
• Develops and maintains strong relationships with brokers and agents by providing excellent customer service in order to attract and retain profitable business.
• Has accountability for the risk selection / rejection, pricing, retention, growth and profitability (within scope of authority and per divisional objectives).
• Oversees receipt and analysis of submissions and decisions of what terms to offer (policy limits, credit limits, deductibles, coverage options and conditions, etc.).
• Works with Predictive Analytics to ensure business is priced in accordance with company guidelines.
• Approve and monitor underwriting guidelines, rules, practices and systems necessary to maintain and develop profitable commercial lines business
• Works with other functional units within the division to identify goals and strategies to optimize customer service and satisfaction.
• Ensures the appropriate utilization of underwriting and desktop systems.
• Assesses risk quality and compliance within company guidelines and may initiate appropriate loss prevention actions.
• Performs other duties as assigned.

Underwriter jobs in Florida

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