Underwriter II - CL

Job Description:

Maintains and grows a profitable book of business for assigned territory within underwriting authority. Evaluates accounts for risk selection, coverage offerings, and pricing purposes. Collaborates with experienced underwriters to continue to develop understanding of company and branch risk appetite, underwriting resources and systems, and gain experience in developing agency relationships. Develops and fosters agency relationships.

Essential Functions:

• Maintains and grows a profitable book of business for assigned territory within underwriting authority.

• Evaluates accounts 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.

• Collaborates with marketing representatives to ensure agents receive great customer experiences, responsiveness, and select EMC as their insurer of choice.

• Effectively communicate accept and reject decisions to agents.

• Collaborates with experienced underwriters to continue to develop understanding of company and branch risk appetite.

• Participates in the agency planning and review processes with marketing and branch management.

Education & Experience:

• Bachelor's degree, preferably in insurance or business administration, or equivalent relevant experience.

• One year of experience in commercial lines underwriting.

• Insurance designations, such as CPCU preferred.

Candidates that exceed the minimum qualifications may be considered for a higher level position.

Underwriter III Education & Experience:

• Bachelor's degree, preferably in insurance or business administration, or equivalent relevant experience.

• Three years of experience in commercial lines underwriting.

• Insurance designations, such as CPCU preferred.

Knowledge, Skills & Abilities:

• Good knowledge of underwriting and risk analysis.

• Strong problem-solving skills and the ability to make sound decisions.

• Strong customer service skills.

• Ability to work effectively with others, as well as independently.

• Ability to maintain high standards of professional competence.

• Strong computer skills, including knowledge of Microsoft Office and social media.

• Ability to work on multiple projects while meeting deadlines.

• Strong written and verbal communication skills.

• Occasional travel; a valid driver’s license with an acceptable motor vehicle report per company standards required if traveling.

The hiring salary range for this position will vary based on geographic location, falling within either the $59,463.00 - $81,943.00 range or the $65,568.00 - $90,343.00 range. A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs.