Personal Lines Underwriter II

Heartland Mutual Insurance; Kitchener; On-site; CAD 50,000 - 70,000; Full time

Benefits offered by this job

Accommodation on request

Job summary

Heartland Mutual Insurance is seeking an experienced underwriter to manage a portfolio of medium complexity renewals, endorsements, and new submissions in Canada. You will gather background information, analyze data, and determine risk levels to write a profitable book of business.

The role emphasizes accurate terms and conditions, strong customer service, and collaboration with brokers and internal teams to implement pricing strategies and product development.

Qualifications

• Experience in insurance underwriting, especially Personal Lines contracts.
• Strong decision-making and analytical skills.
• Post-secondary education or equivalent experience.
• CIP designation is preferred.
• Experience underwriting rural business or broker interactions is a plus.

Responsibilities

• Underwrite and negotiate medium complexity renewals, endorsements, and new business.
• Gather background information and analyze data to determine risk levels.
• Prepare terms and conditions of insurance policies.
• Manage underwriting portfolio in line with company philosophy and regulation.
• Provide excellent customer experience and manage stakeholder relationships.
• Negotiate risk acceptance terms with brokers.
• Ensure underwriting practices comply with regulatory obligations.
• Contribute to product pricing and development in line with marketing strategies.
• Identify trends and communicate insights to management.
• Participate in training and development initiatives.

Skills

Decision making

Analytical skills

Customer experience

Risk assessment

Education

Post-secondary education

CIP designation

Job description

The purpose of this role is to underwrite and manage a portfolio of business by assessing and negotiating medium complexity renewals, endorsements, and new submissions. The incumbent will apply sound underwriting judgment and company philosophy to evaluate risk, set appropriate terms and conditions, and ensure compliance with regulatory standards.

What you'll do...

• Underwrite and negotiate medium complexity renewals, policy endorsements, and new business.
• Gathering background information on potential customers and analyzing all relevant data to determine risk levels.
• Preparing terms and conditions of insurance policies.
• Underwriting portfolio management, working within the company operational plan to understand and apply underwriting philosophy to write a profitable book of business.
• Provide exemplary customer experience and manage the development of internal and external stakeholders.
• Negotiate terms and conditions of risk acceptance with brokers.
• Ensure day-to-day underwriting practices confirm to all necessary regulatory obligations.
• Product and pricing management, understanding and implementing company marketing strategies; assist management in development of products, pricing, and services.
• Identify and communicate trends to management.
• Participate in, or provide, training and development initiatives.
• Preparing the terms and conditions of insurance policies.

What you'll bring...

• As our ideal candidate, you have previous experience within the insurance industry as well as a solid understanding of Personal Lines contracts.
• You have proven decision-making and analytical skills, including the ability to determine how to grow business profitability through assessment and analysis of individual risks.
• Post-secondary education or equivalent experience.
• CIP designation is preferred.
• Previous experience in underwriting and rural business, dealing with or as a broker would be an asset.

The salary range for this role is $50,000 - $70,000. The salary for the successful candidate will be determined by various factors including but not limited to an individual’s relevant experience, knowledge, skills, along with internal equity, and market considerations.

Accommodation is available on request for candidates taking part in all aspects of the selection process.

We do not use artificial intelligence or automated decision-making tools in any part of our hiring process. All applications are reviewed by our Talent Acquisition team to ensure fairness and transparency.

At Heartland Mutual Insurance, you’re empowered to thrive. Whether it’s your career, your well-being, or your future, we've got you covered.