Underwriter

Property And Casualty UnderwriterThe Property and Casualty Underwriter is responsible for managing a portfolio of accounts and driving new and renewal business opportunities for Property and Casualty insurance. The role assesses risks associated with insuring properties and liabilities, evaluates applications, analyzes data, and determines coverage terms and premiums to ensure sound underwriting decisions. They develop and maintain underwriting practices and guidelines as per delegated authority and build relationships with brokers and other stakeholders in the designated portfolio.Job Responsibilities:Underwrites new and renewal property and casualty business, analyzes policy forms, broker endorsement requests, and submitted documentation as per company underwriting standards and guidelines and obtains additional information as needed.Determines whether to accept, modify or decline a risk through evaluation of the coverage value, location, usage, safety features, and other factors pertinent to the decision.Determines appropriate coverage limits and insurance premiums, policy terms and conditions based on risk assessment and underwriting guidelines and ensures active portfolio management of property and casualty accounts.Delivers services for new property and casualty business and renewals while demonstrating professionalism, technical knowledge, and adherence to underwriting guidelines.Examines, identifies, and evaluates exposures and ensures compliance with state and country laws and guidelines established by carriers and the organization.Provides premium forecasts and business plans to support budget and performance targets.Maintains existing broker relationships and collaborates across teams to manage production activities such as submissions, quotes, declines, binds, issuance to provide accurate, timely, and quality service to clients.Builds professional, long-term relationships in the designated portfolio and as per delegated authority limits and partners with brokers to create customized insurance solutions as needed to service a client.Creates opportunities for new business, maximizes retention of assigned portfolio and ensures timely review of renewal business to achieve business targets.Executes marketing activities, attends seminars and training, and stays abreast on market dynamics and property and casualty underwriting trends.Stays informed about industry trends, emerging risks in the property and casualty sector, terminology, regulations and adjusts underwriting strategies accordingly.Work Experience and Education:Bachelor's degree or Master's degree in Risk Management, Actuarial and Business Administration required. Any other related discipline or commensurate work experience considered.3+ years of experience in Energy Underwriting.Must meet minimum requirements for state P&C and/or surplus line licenses.Chartered Property Casualty Underwriter (CPCU) is a plus.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.