Underwriter

Senior Commercial Underwriter – Senior Underwriter Role Senior Commercial Underwriter is responsible for independently evaluating, underwriting, and managing complex commercial insurance risks in alignment with company underwriting guidelines, appetite, and profitability objectives. The role applies advanced technical expertise, sound judgment, and market awareness to assess risk quality, determine appropriate coverage terms and pricing, and drive disciplined growth within an assigned portfolio. The Senior Underwriter serves as a trusted resource to agents and internal partners, provides guidance on unusual or higher‑hazard accounts, and supports underwriting consistency through mentoring, collaboration, and adherence to regulatory and company standards. Essential Functions Review and assess new business, renewals, endorsements, and cancellations across applicable commercial lines of business. Apply appropriate classifications, coverage forms, endorsements, deductibles, and limits based on exposure analysis. Ensure policy terms, conditions, and pricing comply with filed rates, rules, state regulations, and company standards. Document underwriting decisions clearly and thoroughly in underwriting systems. Maintain accuracy and quality of policy documentation and underwriting records. Negotiate terms and conditions within authority to balance profitability and competitive positioning. Build and maintain effective working relationships with agents, brokers, and internal stakeholders. Manage and monitor assigned book of business to support profitability, growth, and retention goals. Handle co‑signs/referrals and mentor new underwriters. Assess alternative ways to make a risk acceptable independently and mentor other UW levels on advanced or complex risks. Serve as the underwriting representative for assigned territory. Educate, coach, and train agents on underwriting procedures, philosophy, and new products. Required Qualifications Associate or bachelor's degree preferred but not required; equivalent experience considered. Six to eight years of underwriting experience, or equivalent P&C industry and/or Farming or Commercial industry knowledge. Strong written and verbal communication skills with the ability to explain underwriting decisions clearly. Sound judgment and problem‑solving abilities. Experience mentoring or coaching less experienced underwriters. Preferred Qualifications Strong knowledge of commercial coverages, policy forms, endorsements, and rating methodology. Familiarity with ISO forms, classifications, and state‑specific rules and regulations. Ability to identify coverage gaps, emerging risks, and portfolio trends. Industry designations such as AINS, AU, or CPCU. Occupational Requirements The position requires effective communication skills, the ability to establish methods and procedures for attaining specific goals, and physical presence in the company office on a full‑time basis. Compensation & Benefits Base salary range: Albany & Chicago – $75,000 to $115,000, commensurate with experience. The compensation package includes performance‑based incentives and a comprehensive benefits program, including health, dental, vision, 401(k) with company match, paid time off, and professional development opportunities. Applicants must be legally authorized to work in the United States. At this time, the company does not sponsor or assume sponsorship of employment visas. Persons with a disability under the Americans with Disabilities Act or similar state or local law who wish to discuss potential reasonable accommodations may contact the Benefits Department. Equal Opportunity Employer We are an equal‑opportunity employer. All qualified applicants will receive consideration for employment regardless of race, color, religion, sex, gender identity or expression, sexual orientation, national origin, age, disability, or any other status protected by law. #J-18808-Ljbffr