Fidelity & Crime, Senior Underwriting Specialist (Hybrid/Remote)

Fidelity & Crime, Senior Underwriting Specialist (Hybrid/Remote) Atlanta, GA, USA Position Overview Responsible for identifying, soliciting, underwriting, and selling new business private/public commercial and governmental crime accounts that drive profitable growth and align with industry segments, appetite, and mix goals. Apply advanced technical, sales and analytical skills to provide insurance solutions that help Hanover’s customers manage risk. Demonstrates a thorough understanding of Hanover’s strategies and appetites and uses internal and external data to make appropriate individual and portfolio risk decisions. Operates within a broad Letter of Authority for all underwriting decisions and with limited direction while managing an assigned book of business, generally with high technical complexity and coordination. In this Role, You Will Technical Underwriting Thorough knowledge and understanding of F&C department business strategy (class of business appetite; account size; coverage differentials; partner/non partner agents, brokers, and wholesalers). Knows and applies advanced underwriting concepts including risk selection, exposure, internal controls, coverage implications, and loss analysis. Advanced knowledge of pricing components and rating methodology and correlates pricing to exposure, financial strength, and competitive analysis. Can identify and explain to agents necessary types of coverages and correlate gaps in coverage based upon account operations and exposures to complete our value‑added proposition. Manages assigned portfolio to achieve gross written premium, profitability, rate, retention, industry and LOB mix, new business, and portfolio management goals. Demonstrates ability to properly leverage competencies, act as a resource, and build long‑term, profitable, and mutually beneficial relationships with agencies, internal management, and external resources. Constructs and executes portfolio business plans independently through organized workflow and desk management, which may include special projects. Reviews key metrics and uncovers trends that may lead to new business opportunities within agents while achieving profitable growth. Drives the implementation of profit improvement initiatives with key agents by leveraging resources. Advocates and coordinates with Specialty department, Middle Market and Small Commercial to learn and share knowledge in cross‑sell opportunities to help manage portfolio/book of business. Operates with a franchise perspective to identify and drive enhanced sell opportunities and create growth within other lines of business and customer segments. Utilizes our value proposition to enhance agency economics, partner conversion, and product specialization in partnership with local management. Prioritizes and drives effective relationship management and producer activities to build trust, facilitate negotiation, and secure commitment in order to improve new business results. Independently implements territory business plans, monitors performance, and adjusts plans to ensure a substantial pipeline for future profitable growth. Provides proper training and product knowledge transfer to existing and prospective agents so they can effectively sell Hanover as the go‑to‑market for their customers. Makes sales presentations to agents and customers on a regular basis. Participates in more complex accounts. Uncovers customer needs, positions specific solutions, handles objections, and closes deals. What You Need to Apply Bachelor’s Degree or equivalent experience 5‑7+ years Underwriting experience 5‑7+ years experience driving agency relationships resulting in profitable new and renewal business Consistently demonstrates high level of proficiency across LOB UW core competencies; may specialize/certify in 1‑2 specialty areas Proficient at identifying, analyzing, solving problems and managing and prioritizing multiple concurrent projects; collaborates on complex risks, pricing, trends, industry segments, coverages and product knowledge; may conduct peer‑to‑peer self‑audits under management direction Demonstrates ability to adapt quickly to change, exercise influence, and act as a change advocate – being open to new and different ways of thinking Viewed as an informal leader within the team/branch/region/LOB; proactively shares knowledge and expertise with peers, management and leadership; mentors less experienced underwriters or newly hired underwriters, and may assist with training other team members Communication: interacts and communicates with confidence with all levels of external and/or internal business partners within scope of responsibility, team, and/or matrix environment; judges appropriate means and method to communicate based on the nature of the communication; influences desired outcomes to drive actions and results; adept at influencing even when holding a position contrary to the majority opinion Judgement and Decision Making: exercises judgment, negotiates and makes sound business decisions based on level of authority; applies judgment and expertise to determine when escalation is needed; demonstrates confidence in applying decision making to UW assessment Teamwork and Collaboration: fosters collaboration and respect among team members; adapts to diverse interests, styles, and perspectives of key players; engages multiple members of a group to share information and consider other points of view to reach objectives, consensus, and/or deadlines; shares lessons learned across teams Career Development It’s not just a job, it’s a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on‑the‑job experiences, personalized coaching and our robust learning and development programs, we encourage you – at every level – to grow and develop. Benefits We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you’ll enjoy what you do and have the support you need to succeed. Medical, dental, vision, life, and disability insurance 401K with a company match PTO Cultural Awareness Day in support of IDE On‑site medical/wellness center (Worcester only) The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law. Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law. As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at View email address on click.appcast.io and include the link of the job posting in which you are interested. Compensation The target hiring range for this role may vary based on geographic location and other factors, including merit or performance, demonstrated proficiency, skills for the role, education, travel requirements, and experience. Additional compensation may include an annual bonus (which could take the form of a general bonus, sales incentive, or short‑term incentive), long‑term incentive or spot recognition awards. The posted range reflects our ability to hire at different position titles and levels depending on background and experience. #J-18808-Ljbffr Hanover Insurance Company