Senior Underwriter (PL Mono)

Saskatchewan Government Insurance; Winnipeg; Hybrid; CAD 74,000 - 94,000; Full time

Job summary

Saskatchewan Government Insurance seeks a Senior Underwriter (Personal Lines Mono-line) for its Winnipeg office. This permanent, full-time position involves underwriting complex risks, leading a team, and building strong relationships with brokers. Ideal candidates will possess a diploma in Business and have 5-7 years of underwriting experience, focusing on customer satisfaction and innovative solutions. Competitive salary and a hybrid work model are offered.

Benefits

Flexible work environment

Professional development support

Comprehensive benefits package

Qualifications

• 5 – 7 years’ experience in underwriting.
• Ability to assess complex risks and provide recommendations.
• Strong communication and negotiation skills.

Responsibilities

• Responsible for underwriting complex high value risks for Personal Lines insurance.
• Mentors junior underwriters and establishes relationships with brokers.
• Evaluates and processes insurance requests for property or auto insurance.

Skills

Underwriting

Risk Assessment

Customer Service

Broker Relationship Management

Data Analysis

Education

Two-year diploma in Business or relevant field

Job description

Senior Underwriter (PL Mono) page is loaded

Senior Underwriter (PL Mono)

Apply locations Winnipeg, MB time type Full time posted on Posted 6 Days Ago job requisition id R6310

Do you value integrity and innovation? How about passion and caring? Great! Us too, and that's why you'll fit right in. Our intentional culture promotes trust and participation, encouraging you to bring your heart and mind to work every day.

In-Scope
Permanent, Full-Time
Location: Winnipeg
Pay Range: $74,207 - $93,648
Close Date: July 25, 2025

Work Location: This role is eligible for hybrid – this means you’ll have the flexibility of working from home and in the office, on a scheduled rotation once training requirements have been met. Until then, the successful incumbent will be expected to work on-site, full-time.

GENERAL ACCOUNTABILITY

The Senior Underwriter (Personal Lines Mono-line) is responsible for day-to-day team leadership and provides support, guidance advice and direction . The Senior Underwriter is responsible for underwriting complex, high touch, and high value risks for Personal Lines insurance . Employees in this position, evaluate, rate, and process insurance requests for property or auto insurance products . The Senior Underwriter is customer-focused and looks for innovative ways to improve the customer experience. The Senior Underwriter establishes relationships with brokers to develop lasting and profitable relationships . The Senior Underwriter is accountable for evaluating and providing recommendations to improve profitability and overall performance on a portfolio basis . The Senior Underwriter mentors, delegates work, provides training, technical guidance, work review and approval to staff in junior positions. This role is about building relationships and continuously learning and developing knowledge about the end customers' needs through the broker.

KEY ACCOUNTABILITIES
Note: This section is not intended to be an exhaustive list of duties and responsibilities – other duties and responsibilities may be assigned.

Underwriting Operations

• Evaluates multiple products and their risk factors in a holistic and customer-centric approach to determine risk acceptability and rating.

• Reviews and evaluates quotes, new applications, renewals, revisions, and cancellations to determine risk acceptability for high touch, high value, critical accounts, corporate accounts, and key broker partners.

• Evaluates complex risks and determines if risk is acceptable, needs modification, or should be declined based on analysis of all information pertinent to the risk and within the underwriter's authority.

• Calculates premiums, ensuring that appropriate rates are used, and application discounts and surcharges are applied within established underwriting guidelines, applicable laws, and regulations.

• Negotiates with brokers as to the conditions, limitations, rates, and premiums to apply.

• Corresponds with brokers to request information and explain underwriting requirements and decisions.

• Reviews and approves requests that fall outside the authority levels of staff in less senior positions .

• Collaborates with internal and external stakeholders to discuss risk acceptance and policy wording interpretation.

• Interprets and applies policy wordings, conditions, limitations, rates, and premiums with a strong focus on customer needs.

• Completes large loss, underwriter reviews and claim alerts providing feedback and recommendations on underwriting decisions and actions.

• Collaborates with loss prevention partners (internal and external) to measure risk acceptability and to improve risk.

• Understands existing and emerging industry and regional trends and market conditions and obtains additional information on risk if required . Applies this knowledge to business decisions.

• Analyzes and makes data-driven decisions on broker’s book of business.

• Participates in periodic work reviews for quality assurance purposes for underwriters and brokers.

• Participates in projects and initiative planning.

• Identifies and recommends improvements to insurance products and/or systems.

• Determine percentage of involvement in ceding and placement of policies (where required ).

• Provides exceptional service delivery in the management of portfolio underwriting, maintaining an informed mindset and challenging the status quo to provide the best underwriting service.

Broker Relationship Management

• Delivers one view of personal lines that combines product, technology, and services for broker partners.

• Identifies opportunities to improve broker experience and seeks to find solutions while adhering to the company guidelines.

• Develops and maintains relationships with an assigned group of brokers to develop lasting and profitable relationships, which involve broker visits.

• Collaborates with claims and other departments to deliver a consistent experience to brokers and customers .

• Assists with training to staff, brokers, and external parties on products and procedures. Prepares and conducts formal presentations.

• Understand the technology brokers use and offers tailored approaches to deliver on the ease of doing business mandate.

• Explains underwriting criteria and decisions to brokers (verbally and/or in writing).

• Evaluates broker's portfolios to identify positive or negative trends with respect to quantity and quality of business.

• Proactively manages assigned brokers to shape their portfolios to match SGI CANADA's target portfolio.

Team Leadership (Underwriter Assistants, Underwriter I, Underwriter II Personal Lines)

(“Team leadership” applies only when the position has permanent accountabilityforthe responsibilities listed below for a minimum of 3 employees.)

• Monitors and oversees the assignment of work.

• Delegates, reviews, and ensures quality of work.

• Leads the implementation of business processes, operations and policies through training, practical application, and feedback .

• Provides input or participates in performance feedback.

High Performance Team & Culture

• Supports a culture of leadership and accountability to effectively meet the key accountabilities within the scope of the role.

• Displays leadership by committing to a culture of continuous learning/development of self and supports others by actively sharing knowledge, providing guidance, mentoring, training, and supporting developmental opportunities.

• Demonstrates that the Health, Safety and Emergency Management Policy is applied in area of responsibility for self and others.

• Actively applies knowledge to support transformation and strategic initiatives of the corporation, while participating and advocating change and applying a growth mindset.

TECHNICAL KNOWLEDGE & SKILLS

• K nowledge of the coverages of insurance products and related provincial/federal legislation applicable Personal Lines (Auto or Property)

• K nowledge of the Principles & Practices of Insurance

• K nowledge and skill of the rating procedures, the interpretation and application of established criteria and/or procedures to determine appropriate premiums , coverages, and deductibles for applicable insurance products.

• K nowledge and skill of the rating procedures, the interpretation and application of established criteria and/or procedures to determine appropriate premiums , coverages, and deductibles for applicable insurance products.

• K nowledge of other lines of insurance.

• S kill in promoting SGI CANADA insurance products to brokers.

EDUCATION & CERTIFICATIONS

• A two-year diploma from an accredited post-secondary education institution in a relevant field of study, such as Business.

EXPERIENCE

• 5 – 7 years’ experience in underwriting.

Diversity is a cornerstone of SGI. We believe all candidates should be given the opportunity to fully participate during the recruitment process. If you require an accommodation during the recruitment process, we invite you to submit your accommodation requests to us at [e-mail] and we will work through your request with you. All information received will be kept confidential.

Pay Range:$74,207.00 - $93,648.00

Posting Close Date:

July 25, 2025

As you prepare to submit your application, and cover letter if applicable, please highlight the achievements that demonstrate why you're a great candidate for this role.

About SGI and SGI CANADA

SGI has offered affordable insurance products and great service to our customers since 1945. SGI has 2 distinct operations — the Saskatchewan Auto Fund and SGI CANADA. The Auto Fund is Saskatchewan’s compulsory auto insurance program, operating the driver licensing and vehicle registration system. SGI CANADA is the property and casualty insurance division which offers products in Saskatchewan, British Columbia, Alberta, Manitoba and Ontario through a network independent insurance brokerages. SGI and SGI CANADA are Crown corporations, owned by the Government of Saskatchewan.

Our culture is one of personal accountability, where all of us are empowered to be leaders. We encourage a growth mindset that sees change as an opportunity to learn, innovate and continuously improve. We value respectful collaboration and open communication where your voice is welcome and appreciated. Each of us has a role in SGI and SGI CANADA’s success and we acknowledge everyone’s contributions. We care about each other. We treat one another with kindness and celebrate each person’s uniqueness so we can all be our authentic selves at work. That’s because diversity, equity and inclusion are foundational to our culture and who we are. Different backgrounds and perspectives make for a vibrant and creative community where innovation flourishes.

We offer more than a paycheque (although we do provide competitive pay!). Everyone at SGI and SGI CANADA enjoys great benefits, perks and options to balance work and everything else life sends their way. We also believe in you and your future career aspirations. Regardless of where you start, SGI and SGI CANADA will invest in you by supporting education, accreditation and professional development.

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