Insurance Underwriter M

Job Summary The Senior Underwriting Manager is responsible for leading underwriting operations, managing underwriting staff, and ensuring underwriting decisions support profitable growth, risk management objectives, and compliance requirements. This position oversees complex underwriting decisions, portfolio performance, underwriting strategy, operational improvements, and relationships with brokers, agents, distribution partners, and key clients. The role also serves as a subject matter expert and contributes to business planning, product development, and overall underwriting strategy.

Ensure consistent application of underwriting standards and organizational risk appetite.
Conduct quality assurance reviews and provide coaching to improve underwriting performance.
Evaluate complex risks and determine appropriate coverage, pricing, and terms.
Identify emerging risks and recommend adjustments to underwriting strategies.
Analyze market conditions, trends, and competitive factors affecting portfolio performance.
Participate in client meetings, renewal negotiations, and strategic account planning.
Collaborate with sales, claims, actuarial, legal, and compliance teams.
Drive process improvements to improve underwriting efficiency and service levels.
Develop and implement underwriting performance metrics and reporting tools.
Ensure compliance with regulatory requirements, company policies, and audit standards.
Contribute to underwriting strategy, product development, and market planning.
Prepare and present portfolio analyses, performance reports, and recommendations to senior leadership.
Participate in budgeting, forecasting, and business planning.
Lead special projects and strategic initiatives as assigned.

Bachelor’s degree in Business, Finance, Risk Management, Insurance, or a related field, or equivalent experience.

• 8+ years of underwriting experience within the insurance industry.
• No additional travel, schedule, work authorization, or physical requirements were specified.

Advanced underwriting and complex risk-assessment knowledge.
Ability to evaluate coverage, pricing, terms, and risk exposure.
Portfolio management and profitability analysis.
Knowledge of loss ratios, retention, growth, and underwriting performance metrics.
Understanding of underwriting guidelines, risk appetite, regulatory requirements, and audit standards.
Ability to analyze market conditions, portfolio trends, and emerging risks.
Business planning, budgeting, and forecasting skills.
Ability to develop and implement underwriting processes and performance metrics.
Cross-functional collaboration with sales, claims, actuarial, legal, and compliance.
Ability to present portfolio performance and recommendations to senior leadership.

National Association of Mortgage Underwriters (NAMU)
Certified Master Mortgage Underwriter (CMMU)