Senior Underwriter

Reports To: VP of Underwriting

Department: Underwriting

Location/Schedule: Remote

Classification: Full-Time / Exempt

Who We Are:

Old Republic is a leading specialty insurer that operates diverse property & casualty and title insurance companies. Founded in 1923 and a member of the Fortune 500, we are a leader in underwriting and risk management services for business partners across the United States and Canada. Our specialized operating companies are experts in their fields, enabling us to provide tailored solutions that set us apart.

Position Overview:

As a Senior Underwriter, you will play a critical role in driving profitability and growth to our expanding A&H business. Your experience underwriting ESL opportunities will be critical to providing our customers with valuable, timely services. This position partners closely with Actuarial, Account Management, IT, Finance, Operations, and external stakeholders to price, deliver, and help administer ESL policies. The ideal candidate is a self-motivated underwriting professional who is process-driven, strategic, and comfortable managing complexity in a fast-paced, growing organization.

Essential Job Functions:

• Review facultative referrals from program underwriters, providing decisions, quality feedback, and direction in a timely manner.
• Evaluate, price, and manage a portfolio of medical stop-loss cases, including both new business and renewals.
• Analyze risk profiles, claims data, and market trends to develop competitive and profitable underwriting strategies.
• Maintain underwriting discipline and ensure compliance with internal guidelines and regulatory requirements.
• Build and maintain strong relationships with MGUs, clients, brokers, and other stakeholders to ensure high levels of customer satisfaction.
• Ensure compliance with underwriting guidelines, risk management principles and state/federal regulations.
• Perform underwriting audits and facilitate claims/premium audits with internal/external auditors for assigned programs.
• Coordinate reinsurance support for programs, including negotiation of new business and renewal terms and conditions, and execution of new and renewal reinsurance agreements.
• Collaborate internally with operations, claims, and accounting to help administer program business.
• Manage multi-functional teams and projects to help achieve departmental goals.
• Stay up-to-date with market trends, products, competitor practices, emerging threats, and new developments in the market.

Qualifications:

• Bachelor's degree required.
• 5-7 years of stop loss underwriting experience.
• Strong analytical and problem-solving skills with the ability to interpret complex data and make informed underwriting decisions.
• Comprehensive knowledge of underwriting philosophy, methodologies, regulatory requirements, and state and federal filing guidelines.
• Strong understanding of underwriting reporting, financial analysis, and accounting principles.
• Exceptional attention to detail and accuracy in data review, risk assessment, and decision-making.
• Proficiency in interpreting and utilizing Ugan and DYS (Connexure) underwriting outputs.
• Strong negotiation and relationship management skills.
• Excellent verbal and written communication skills, with the ability to effectively collaborate with internal and external stakeholders.
• Proven ability to work independently, manage multiple priorities, and thrive in a fast-paced environment.
• Willingness to travel to client locations, industry conferences, and other Old Republic offices.

ORI is an Equal Opportunity Employer. ORI provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.