Commercial Underwriting Associate

EMC Insurance Companies; Kansas; On-site; USD 47,000 - 71,000; Full time

Job summary

EMC Insurance Companies seeks an account renewal underwriter to prepare and approve renewals, assess risk, and collaborate with agents to improve retention. This role involves evaluating endorsements, reinstatements, and cancellations while supporting billing inquiries.

Requirements include an associate degree or equivalent, 1 year in insurance, with a bachelor’s degree considered in lieu of experience. Travel may be required in some cases.

Qualifications

• Associate degree or equivalent relevant experience.
• One year of insurance industry experience or related experience.
• Bachelor’s degree may be considered in lieu of the experience requirement.

Responsibilities

• Prepares and approves renewals for accounts within authority limit with focus on long term profitability, retention and pricing goals.
• Evaluates risk profile and eligibility for renewal based on underwriting guidelines.
• Develops relationships with agents to promote renewal retention.
• Reviews and approves endorsements within requirements and authority.
• Underwrites and provides endorsement quotes to agents.
• Reviews and approves reinstatements and cancellations.
• Assists agents with policy billing inquiries.
• Supports branch departments with reports, driver reviews, and monthly projects.
• Collaborates with underwriters and management to understand risk appetite and systems.

Skills

Attention to detail

Customer service

Communication skills

Team collaboration

Negotiation skills

Organizational skills

Decision making

Education

Associate degree or equivalent experience

One year insurance industry experience

Bachelor’s degree may be considered

Tools

Microsoft Office

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.

Location Requirement: Candidates must reside in Oklahoma or Kansas, with a preference for the Wichita metro area.

Essential Functions

• Prepares and approves renewals for accounts within authority limit with a focus on long term profitability, retention and achieving branch and company pricing goals.
• Evaluates the risk profile of each account and assess its eligibility for renewal based on established underwriting guidelines.
• Develops relationships with agents by providing excellent customer service to promote renewal retention.
• Reviews and approves endorsements that fall within a specified list of requirements and within authority.
• Underwrites and provides endorsement quotes to agents.
• Reviews and approves reinstatements and cancellations.
• Assists agents with policy billing inquiries.
• Performs support duties for branch departments including but not limited to, ordering and analyzing reports as appropriate, reviewing drivers, and completing monthly projects.
• Collaborates with experienced underwriters and territory management team members to develop understanding of company and branch risk appetite, underwriting resources, and systems.

Education & Experience

• Associate degree or equivalent relevant experience
• One year of insurance industry experience or related experience
• Bachelor’s degree may be considered in lieu of the insurance industry experience requirement

Knowledge, Skills & Abilities

• Attention to detail and accurate data entry skills
• Good personal computer skills with proficiency in Microsoft products
• General knowledge of insurance terminology
• Good problem-solving and decision-making skills
• Excellent customer service and communication skills
• Strong organizational and time management skills
• Strong negotiation skills
• Ability to work in a team setting as well as independently
• Occasional travel; a valid driver’s license with an acceptable motor vehicle report per company standards required if driving

The hiring salary range for this position will vary based on geographic location, falling within either of the following:

$46,990 - $64,911 or $51,927 - $71,385

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.

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.

All of our locations are tobacco free including in company vehicles.