Underwriter

Position Summary The Senior Property and Casualty Underwriter is responsible for overseeing and managing property and casualty business workflows, providing technical expertise and ensuring adherence to underwriting guidelines. The role develops strategies for new business opportunities and portfolio retention and actively contributes to achieving business targets. They cultivate long‑term broker relationships, while also supporting training for new staff in underwriting processes. What will your job entail? Job Responsibilities: Oversees and strategically manages workflows for new property and casualty business and renewals, showcasing advanced professionalism, technical expertise, and adherence to underwriting guidelines. Evaluates, prioritizes, and selects submissions and prices risks that will develop an underwriting profit for the carrier, refers or declines risks that present excessive risk. Drives risk assessment comprehensively, evaluating factors such as coverage value, location, usage, safety features, and other considerations to make informed decisions on risk acceptance. Determines appropriate coverage limits, insurance premiums, policy terms based on risk assessment, ensuring active portfolio management of complex property and casualty accounts. Negotiates terms and conditions with the broker, recognizes and creates cross sell opportunities for other products while ensuring compliance with regulations and guidelines. Develops strategic initiatives to create new business opportunities, maximizes retention of assigned portfolios and contributes significantly to achieving business targets. Manages internal and external relationships that will deliver superior customer service. Develops professional, long‑term relationships with brokers and agents, expanding the book of business and operating within delegated authority limits. Partners with underwriting teams, fosters seamless communication, and optimizes task coordination to support the overall underwriting process. Provides accurate premium forecasts and business plans, contributes to budgeting processes and supports the achievement of performance targets. Optimizes underwriting processes, introduces new technologies, and aligns the department with broader organizational goals. Delivers training for new underwriters on underwriting guidelines, processes, and systems. Attends industry events and stays abreast of property and casualty underwriting trends, emerging risks in the sector, regulatory changes, and adjusts underwriting strategies, accordingly. Work Experience and Education: Minimum of 8 years of experience in Property and Casualty Underwriting. Bachelor’s degree required, Risk Management, Actuarial and Business Administration preferred. Any other related discipline or commensurate work experience considered. Licenses & Certifications: Prescribed: Must meet minimum requirements for state P&C and/or surplus line licenses. Preferred: Chartered Property Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC) Ryan Specialty is an Equal Opportunity Employer. We are committed to building and sustaining a diverse workforce throughout the organization. Our vision is an inclusive and equitable workplace where all employees are valued for and evaluated on their performance and contributions. Differences in race, creed, color, religious beliefs, physical or mental capabilities, gender identity or expression, sexual orientation, and many other characteristics bring together varied perspectives and add value to the service we provide our clients, trading partners, and communities. This policy extends to all aspects of our employment practices, including but not limited to, recruiting, hiring, discipline, firing, promoting, transferring, compensation, benefits, training, leaves of absence, and other terms, conditions, and benefits of employment. How We Support Our Teammates Ryan Specialty seeks to offer our employees a comprehensive and best-in-class benefits package that helps them — and their family members — achieve their physical, financial, and emotional well‑being goals. In addition to paid time off for company holidays, vacation, sick and personal days, Ryan offers paid parental leave, mental health services and more. The target salary range for this position is $136,000.00 - $170,000.00 annually. The wage range for this role considers many factors, such as training, transferable skills, work experience, licensure and certification, business needs, and market demands. The pay range is subject to change and may be modified in the future. Full‑time roles are eligible for bonuses and benefits. For additional information on Ryan Specialty Total Rewards, visit our website We provide individuals with disabilities reasonable accommodations to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment in accordance with applicable law. Please contact us to request an accommodation at View email address on click.appcast.io. The above is intended to describe this job's general requirements. It is not to be construed as an exhaustive statement of duties, responsibilities, or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. A multi‑time winner of Newsweek’s Most Loved Workplaces and Insurance Business’s Top Insurance Employers, Ryan Specialty is home to some of the brightest talent in the insurance industry. Join our team and help provide innovative solutions for insurance brokers, agents and carriers. #J-18808-Ljbffr