Sr Underwriter

Senior Commercial Underwriter The 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. This 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. 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 underwriters 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; equivalent experience considered. 6–8 years of underwriting experience, or equivalent in P&C industry and/or farming or commercial industry knowledge. Strong written and verbal communication skills with ability to explain underwriting decisions clearly. Sound judgment and problem‑solving abilities. Experience in 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, establishing methods and procedures to attain goals, and 100% physical presence in the company office on a full‑time basis. Compensation Albany & Chicago Pay Range: $75,000 – $110,000. Pay may vary by location. Equal Opportunity Statement We are an Equal Opportunity Employer and do not discriminate on the basis of age, ancestry, color, gender, gender expression, gender identity, genetic information, marital status, national origin or citizenship, disability, or any other protected status. Notice to Applicants Applicants must be legally authorized to work in the United States. We do not sponsor employment visas. Under the Americans with Disabilities Act, candidates may discuss potential reasonable accommodations with our Benefits Department. #J-18808-Ljbffr Clearbrook Group Services Inc.