Underwriter Position Full Time Insurance

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Join to apply for the Underwriter role at Montana State Fund
This posting is scheduled to close on Sunday, July 13 at 11:59pm MDT . If a sufficient number of qualified applications are received, this posting may close early. At Montana State Fund, we’re not just Montana’s largest workers’ compensation insurance company, we’re Montanans working with Montanans. Our Underwriters are a critical part in making sure Montana State Fund can deliver on our vision to achieve a safer, healthier, and more prosperous Montana.
As an Underwriter, you play a pivotal role in evaluating and pricing risk, directly contributing to our financial strength and continued growth. You'll work with a diverse range of businesses across Montana, analyzing risk characteristics, loss history, and loss control measures to ensure accurate pricing and appropriate coverage. This role offers a balance of analytical work and customer interaction, as you'll also support sales and service visits to foster strong relationships and ensure customer satisfaction and retention.
The focus of an Underwriter is to be an integral part of our service team, making informed decisions that contribute to both our policyholders' success and the organization's profitability. Your expertise will be key in guiding customers through their insurance journey, acting as a trusted advisor for our valued policyholders and agent partners.
Underwriting and Risk Management: Underwrite new and renewal business accounts with low to medium complexity, evaluating risk characteristics, loss history, and loss control to ensure fair and competitive pricing. You'll actively manage a book of Premier policies for profitability and growth.
Client and Agent Relationship Management: Take a lead role in managing relationships with customers and agents, developing and maintaining highly effective business relationships to attract and retain a profitable book of business. This involves anticipating and arranging for safety services, coordinating and participating in claim discussions, and providing underwriting expertise to meet ongoing service needs. You will also collaborate with the service team to develop service plans that enhance customer satisfaction and retention.
Serve as a workers' compensation technical expert for colleagues, customers, and agents, providing guidance and information to various business unit functions including underwriting, safety services, premium audit, customer service, and claims. You'll offer expert counsel to Customer Service Specialists in a positive manner.
Contribute to the successful attainment of Premier team goals, including target returns, scheduled rating targets, retention, and new business goals. This includes demonstrating an understanding of MSF insurance data and an ability to turn it into actionable information, staying current on business and insurance trends, and understanding competitor products and services. You'll also manage Safety Management Consultants, Claims Examiners, and Marketing to maximize the profitability and retention of your book of business, fostering a competitive insurance market in Montana by delivering high-quality, competitively priced products.
Actively participate in professional meetings, assigned tasks, account management, and MSF projects. This includes demonstrating professional communication, behaviors, and customer service skills with both internal and external customers. You may also be assigned other responsibilities by Business Unit Directors or Executive Leadership.
Bachelor’s degree and two (2) years of external underwriting experience (P&C - Property and Casualty specific)
Two (2) years in the role of a MSF Underwriting Account Manager
Bachelor’s degree and three (3) years of relevant workers’ compensation experience at MSF
Exhibit professional communication and behaviors, customer service skills with internal and external customers,
Demonstrate ability to manage an assigned book of business with professional poise and in accordance with MSF Underwriting Guidelines and industry best practices with moderate supervision/direction.
This position requires occasional travel across the State of Montana to effectively engage with partners and stakeholders. While the position offers flexibility within Montana, candidates should anticipate some travel throughout the state.
Excellent health insurance with dental, vision, life, long-term disability and more, with optional dependent coverage.
Flexible spending accounts for dependent care and medical expenses.
Public employees’ retirement plan tax-deferred contributions with a generous employer match.
Optional 457(b) deferred compensation to further increase retirement savings.
Higher education reimbursement and other training and development programs.
Robust personal leave, paid holidays, and extended leave.
Employment type Employment type Full-time
Industries Insurance
Inferred from the description for this job Medical insurance
Vision insurance
Pension plan
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