Commercial Underwriter III

EMC Insurance; Missouri; Hybrid; USD 79,000 - 120,000; Full time

Benefits offered by this job

Outstanding benefits

401(k) plan match

Paid time off

Volunteer time off

Professional development

Tuition reimbursement

Job summary

EMC Insurance is seeking an experienced Commercial Underwriter to manage a profitable book of business within the Midwest region. You will evaluate complex accounts, set risk pricing, and educate agents on EMC products and services.

Ideal candidates have a Bachelor's degree in insurance or business, 3+ years in commercial lines underwriting, and CPCU is preferred. The role supports remote work for Midwest residents with travel as needed.

Qualifications

• Bachelor's degree in insurance or business or equivalent experience.
• 3 years of experience in commercial lines underwriting; CPCU preferred.
• Strong knowledge of underwriting and risk analysis.

Responsibilities

• Underwrites and maintains a profitable book of business for assigned accounts.
• Evaluates complex accounts for risk selection and pricing.
• Develops agency relationships and educates agents on EMC products and processes.
• Communicates decisions clearly to agents and negotiates terms.
• Collaborates with marketing and branch management on agency planning.
• Willingness to travel as required.

Skills

Underwriting & risk analysis

Problem solving

Communication skills

Customer service

Team collaboration

Presentation skills

Time management

Education

Bachelor's degree in insurance or business

CPCU designation preferred

Tools

Microsoft Office

Social media

Job description

At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together. This position can be performed remotely for candidates who reside in in the Midwest Region (KC)

Essential Functions:

• Selects, grows, and maintains a profitable book of business for assigned territory within underwriting authority.
• Evaluates complex accounts, such as different business operations, multiple lines of business or special pricing requirements, for risk selection and pricing purposes.
• Analyzes exposure, company and branch risk appetite, account premium and loss history, financial data, line(s) of business, price guidance, motor vehicle records, online sources of information, reports from premium audit or risk improvement and other relevant information to underwrite policies.
• Offers appropriate coverage for exposures.
• Maintains proper file documentation in connection with accounts.
• Develops and fosters agency relationships.
• Educates agents on EMC products, underwriting appetite, systems, and services.
• Visits agencies to discuss accounts and provide agents with updates at EMC.
• Communicates with agents proactively.
• Identifies opportunities and potential barriers within agency relationships.
• Collaborates with marketing representatives to ensure agents receive excellent customer experiences, responsiveness, and select EMC as their insurer of choice.
• Effectively explains decisions to accept or reject a risk to agents.
• Coordinates with marketing and branch management in the agency planning and review processes.
• Monitors progress of assigned agents and guides agents in achieving annual goals.
• Seeks feedback from agents and takes action to improve their experience and grow strong books of business.
• Researches industry changes, competition, target markets and new products.
• Answers questions, shares recommendations for complex situations and explains rationale for recommendations for less experienced underwriters.

Education & Experience:

• Bachelor's degree, preferably in insurance or business administration, or equivalent relevant experience
• Three years of experience in commercial lines underwriting Insurance designations, such as CPCU preferred

Knowledge, Skills & Abilities:

• Strong knowledge of underwriting and risk analysis
• Excellent problem-solving skills and the ability to make sound decisions
• Ability to work effectively with others, as well as independently
• Ability to maintain high standards of professional competence
• Strong customer service skills
• Strong computer skills, including knowledge of Microsoft Office and social media
• Ability to work on multiple projects while meeting deadlines
• Ability to effectively communicate products, procedures, business planning and system information necessary to positively influence production within assigned territory
• Strong written and verbal communication skills, including the ability to speak in front of others
• Strong presentation skills preferred
• Occasional travel; a valid driver’s license with an acceptable motor vehicle report per company standards required if traveling

The hiring salary range for this position will vary based on geographic location, falling within either of the following: $78,726 - $108,771 or $87,008 - $119,646. A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs. For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers.

Why should you choose to apply for a position at EMC?

• Outstanding benefits with life, medical, dental, vision and prescription drug coverage
• Competitive paid time off plan and a full day of volunteer time off annually
• Financial incentives, including a 401(k) plan match, pension plan, OneEMC bonus plan and recognition and anniversary awards
• Professional development and growth opportunities, including tuition reimbursement
• Wellness initiatives to improve team member well-being and reduce health insurance costs
• Flexibility to dress for your day and opportunities for alternative work arrangements
• EMC complies with labor law requirements

Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws.

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