Senior Field Workers' Compensation Underwriter (Nashville, TN or Kentucky)

Job Description:

SUMMARY

This role supports Third Coast Underwriters (3CU) and United Heartland (AF Group Middle Market Brands).    The Senior Field Underwriter develops and manages independent agency relationships including the development of new business and retention of existing business in a region or territory.  Reviews, analyzes, approves or rejects complex business within letter of authority.  Serve as liaison with company personnel regarding company business opportunities and problem resolution. Responsible for assisting in establishing the territory’s or region’s overall agency plan.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

• Calculates, prepares and develops premium quotations using corporate underwriting guidelines within letter of authority.
• Determines underwriting eligibility for prospective policyholders and develops appropriate pricing for new business, renewals, and endorsements.
• Analyzes and reviews prospective accounts for insurability and accepts or rejects within letter of authority.
• Develops and manages agency relationships.
• Develops agency plans in cooperation with other staff.
• Addresses agents’ and policyholders’ concerns/needs.
• Responsible for development of new business, profitability and retention of existing business in a given territory or region.
• Explains and emphasizes benefit of workers’ compensation insurance products and services to customers.
• Works with all internal departments to resolve problems and maintain company relations.
• Interprets and develops territory reports which reflect the status of the territory.
• Participates in promotional plans for both company and agent activities.
• Analyzes and reviews production and loss information for agents, determines exposure and proper pricing to develop corrective action plans as needed to correct poor performance. 
• Research and coordinates responses to agents, policyholders and regulatory entities.
• Reviews loss trends and develops action plans to correct problem areas.
• Gathers competitive and product information from the field.
• Represents company at trade associations and exhibits to promote corporate product.
• Develops a strong relationship and partnership with the claims department.
• Negotiates and develops consultative agreements with specified agents.
• Develops and plans schedule for large account service plans with claims, loss control, premium audit, and other departments as needed.
• Provides input for agency advisory council meetings.
• Independent management of a field region or territory.
• Presents at annual staff meetings.
• Demonstrates leadership in the Business Development Consultant responsibilities.

EDUCATION AND EXPERIENCE Relevant combination of education and experience may be considered in lieu of degree.

• Bachelor’s degree in marketing, insurance or related field.  MBA or other advanced degree is preferred.
• Certification, or progress toward, highly preferred and encouraged. MBA or other advanced degree is preferred.
• A minimum of five years experience in an insurance organization with demonstrated technical knowledge in one or more of the following areas: underwriting, marketing, loss prevention, auditing or similar knowledge that provide the necessary skills and abilities.
• Continuous learning required, as defined by the Company’s learning philosophy.
• Workers’ compensation insurance experience required.

QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

OTHER SKILLS AND ABILITIES 

• Ability to manage agency relationships and demonstrated ability to make sound underwriting decisions.
• Advanced knowledge of appropriate jurisdictional workers compensation laws.
• Ability to calculate expected pricing, dividends, and premium quotations for agents and policyholders.
• Ability to analyze territory or region in order to identify problems and take the appropriate corrective action.
• Ability to comprehend the consequences of various problem situations and address them or refer them for appropriate decision making.
• Ability to effectively exchange information clearly and concisely, and present ideas, reports, facts and other information, and respond to questions as appropriate.
• Ability to be innovative and creative when presented with unique situations.
• Excellent verbal and written communication skills with the ability to effectively communicate with agents, policyholders and internal customers.
• Ability to analyze and solve practical problems which deal with a variety of variables.
• Ability to make competent, independent decisions.
• Ability to analyze and manage data.
• Ability to meet customers changing needs.
• Excellent time management and organizational skills with the ability to shift priorities appropriately.
• Ability to understand and implement audit procedures and processes for agencies.
• Ability to exercise excellent judgment in evaluating and determining the proper pricing for prospective policyholders using corporate underwriting guidelines by accepting or rejecting risks for the purposes of issuing workers’ compensation insurance coverage.
• Knowledge of occupational classification codes, loss ratios, claims histories, retention plan, scheduled rating related to workers compensation.
• Demonstrated ability to manage agency relationships.
• Demonstrated ability to make sound underwriting decisions.
• Thorough knowledge of appropriate jurisdictional workers compensation laws.
• Ability to calculate expected pricing, dividends, and premium quotations for agents and policyholders.
• Ability to analyze territory or region in order to identify problems and take the appropriate corrective action.
• Ability to comprehend the consequences of various problem situations and address them or refer them for appropriate decision making.
• Ability to assist management in the development and implementation of regional or territory goals.
• Ability to effectively exchange information clearly and concisely, and present ideas, reports, facts and other information, and respond to questions as appropriate.
• Ability to communicate our value proposition as a carrier.
• Ability to be innovative and creative when presented with unique situations.
• Excellent oral and written communication skills with the ability to effectively communicate with agents and policyholders.
• Ability to analyze and solve practical problems which deal with a variety of variables.
• Ability to understand and implement audit procedures and processes for agencies.
   

ADDITIONAL INFORMATION 

The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified. This job description does not constitute a contract for employment.

WORKING CONDITIONS:

Work is performed both in a virtual home office and in the field with minimal hazards.  Travel is required with occasional overnight stays.  May be required to lift and carry computer equipment and other marketing promotional items weighing up to 35 lbs.  Relocation may be necessary. Must possess a valid driver’s license with a record that meets corporate standards.

The qualifications listed above are intended to represent the minimum education, experience, skills, knowledge and ability levels associated with performing the duties and responsibilities contained in this job description. 

Pay Range - Actual compensation decision relies on the consideration of internal equity, candidate’s skills and professional experience, geographic location, market, and other potential factors. It is not standard practice for an offer to be at or near the top of the range, and therefore a reasonable estimate for this role is between $76,380 and $128,000 (P3C).

We are an Equal Opportunity Employer.  Diversity is valued and we will not tolerate discrimination or harassment in any form. Candidates for the position stated above are hired on an "at will" basis.  Nothing herein is intended to create a contract.

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