Executive Commercial Lines Underwriter

Utica National Insurance Group; Charlotte (NC); Hybrid; USD 90,000 - 154,000; Full time

Benefits offered by this job

Bonus Eligible

Hybrid Work Schedule

Competitive Benefits

Job summary

Utica National Insurance Group in Charlotte seeks an Executive Commercial Lines Underwriter to manage a middle market portfolio and partner with the agency network to drive profitability.

The role balances technical underwriting with business development, using data-driven insights to tailor solutions and expand profitable growth with agencies.

Qualifications

• 5+ years of Commercial Lines Middle Market underwriting experience.
• Strong knowledge of General Liability, Workers' Compensation, Commercial Property, Commercial Auto.
• Experience underwriting complex commercial accounts and managing assigned agency portfolios.

Responsibilities

• Analyze and underwrite complex new and renewal commercial lines accounts within established authority levels.

Skills

Commercial Underwriting

Portfolio Management

Analytical Skills

Negotiation

Relationship Building

Education

Bachelor's degree preferred or equivalent experience

Job description

Bonus Eligible Underwrite Complex Risks. Influence Agency Growth. Drive Portfolio Performance.

Ballantyne, NC (Charlotte)

Hybrid Work Schedule

Bonus Eligible Underwrite Complex Risks. Influence Agency Growth. Drive Portfolio Performance.

At Utica National, underwriting is more than evaluating risk. It's about building strong agency partnerships, making informed business decisions, and helping drive profitable growth.

We're seeking an experienced Executive Commercial Lines Underwriter to join our growing Charlotte operation. In this role, you'll manage a portfolio of middle market commercial business, partner closely with our agency network, and make complex underwriting decisions that directly impact portfolio performance and company profitability.

You'll have the opportunity to work with a diverse range of commercial accounts while helping shape agency strategy, improve underwriting results, and identify opportunities for profitable growth.

If you're a relationship-focused underwriting professional who enjoys balancing technical expertise with business development, we'd love to hear from you.

What You'll Do

• Analyze and underwrite complex new and renewal commercial lines accounts within established authority levels.
• Evaluate risks across a broad range of commercial exposures, including:
  • General Liability
  • Workers Compensation
  • Commercial Property
  • Commercial Auto
  • Commercial Package
• Manage a high-volume agency portfolio with increased underwriting authority and decision-making responsibility.
• Partner with independent agents to provide creative solutions while maintaining underwriting discipline and profitability.
• Review applications, loss history, financial information, inspection reports, and other underwriting data to determine risk acceptability.
• Communicate underwriting appetite, coverage solutions, pricing decisions, and declinations effectively to agency partners and internal stakeholders.
• Analyze agency performance data and identify opportunities to improve profitability, retention, and new business growth.
• Participate in agency reviews and collaborate on production and loss ratio improvement strategies.
• Build strong relationships with agency partners by providing responsive service, technical expertise, and consultative support.
• Monitor marketplace trends, competitor activity, and emerging risks to support sound underwriting decisions.
• Utilize management reporting and analytical tools, including Power BI, to evaluate portfolio performance and agency opportunities.
• Serve as a trusted underwriting advisor who helps agencies grow profitable business while protecting the long-term interests of the organization.

What Makes You Successful

We're looking for an underwriter who combines technical expertise with strong relationship management and business acumen.

You May Be a Great Fit If You Have

• 5+ years of Commercial Lines Middle Market underwriting experience.
• Strong knowledge of:
  • General Liability
  • Workers Compensation
  • Commercial Property
  • Commercial Auto
• Experience underwriting complex commercial accounts and managing assigned agency portfolios.
• Demonstrated success driving profitable portfolio performance and agency growth.
• Strong analytical, negotiation, and decision-making skills.
• Ability to evaluate risk beyond the individual account and assess broader portfolio impact.
• Excellent communication and relationship-building abilities.
• Ability to work effectively both independently and collaboratively in a fast-paced environment.
• Bachelor's degree preferred or equivalent combination of education and experience.

Why Utica National?

For more than 100 years, Utica National has been known for underwriting excellence, financial strength, and strong agency partnerships. As we continue expanding our presence in Charlotte, we're investing in talented underwriting professionals who want to make a meaningful impact while growing their careers.

When You Join Our Team, You'll Find

• A collaborative underwriting culture
• Strong and established agency relationships
• Opportunities to work on complex middle market risks
• Professional development and advancement opportunities
• Competitive compensation and comprehensive benefits
• Performance-based incentive opportunities
• A growing Charlotte operation with significant long-term investment

Compensation

Executive Commercial Lines Underwriter

$90,000 - $154,000

Senior Commercial Lines Underwriter

$73,500 - $111,000

Commercial Lines Underwriter

$57,000 - $90,000

Candidates may be considered for the Executive, Senior, or Commercial Lines Underwriter level based on their experience, technical expertise, and overall qualifications.

This position is eligible for participation in the Company's Variable Compensation Bonus Plan.

Final compensation is determined based on experience, geographic location, education, professional certifications, scope of responsibilities, and overall qualifications.

Benefits

We believe strongly that talented people are core to our success and are attracted to companies that provide competitive pay, comprehensive benefits packages, career advancement and challenging work opportunities. We offer a Comprehensive Benefits Plan for full time employees that include the following:

• Medical and Prescription Drug Benefit
• Dental Benefit
• Vision Benefit
• Life Insurance and Disability Benefits
• 401(k) Profit Sharing and Investment Plan (Includes annual Company financial contribution and discretionary Profit Sharing contribution based upon annual company financial results)
• Health Savings Account (HSA)
• Flexible Spending Accounts
• Tuition Assistance, Training, and Professional Designations
• Company-Paid Family Leave
• Adoption/Surrogacy Assistance Benefit
• Voluntary Benefits - Group Accident Insurance, Hospital Indemnity, Critical Illness, Legal, ID Theft Protection, Pet Insurance
• Student Loan Refinancing Services
• Business Travel Accident Insurance
• Matching Gifts program
• Paid Volunteer Day
• Employee Referral Award Program
• Wellness programs
• Personal Insurance Discount

Additional Information

This position is a full time salaried, exempt (non overtime eligible) position.

Utica National is an Equal Opportunity Employer.