Large Accounts Underwriter

EMC Insurance Companies; Arizona; On-site; USD 105,000 - 145,000; Full time

Job summary

EMC Insurance Companies is seeking a Large Accounts Underwriter to manage a defined territory and drive profitable growth by evaluating complex commercial risks and developing tailored coverage solutions. You will partner with agents and brokers, build market relationships, and influence portfolio performance with sound underwriting decisions.

The role involves negotiating terms, maintaining documentation for compliance, and collaborating with leadership on strategy and growth initiatives across

Qualifications

• Bachelor’s degree or equivalent relevant experience.
• Five years of commercial underwriting experience.
• Experience with large accounts, including $500K+ premium accounts, loss-sensitive programs, and complex risk profiles.

Responsibilities

• Manage and grow a profitable Large Accounts portfolio within assigned underwriting authority and territory.
• Evaluate complex multi-line accounts to determine pricing, coverage structures, and risk selection.
• Apply underwriting guidelines using loss history, financial data, risk control reports, and pricing tools.
• Maintain accurate underwriting documentation to support sound decisions and regulatory compliance.
• Negotiate underwriting terms, conditions, and pricing for Large Accounts business.
• Build and strengthen relationships with brokers and agents to drive growth and retention.
• Educate agency partners on EMC's Large Accounts appetite, capabilities, systems, and services.
• Conduct agency visits to discuss opportunities, account performance, and market updates.
• Partner with regional leadership on agency strategy, planning, and business development initiatives.
• Serve as a Large Accounts subject matter resource for internal business partners.
• Collaborate with sales, marketing, and leadership to optimize agency and portfolio performance.
• Monitor market trends, competitive activity, and industry developments to inform underwriting and growth strategies.

Skills

Underwriting

Pricing

Risk assessment

Broker/agent relationships

Regulatory compliance

Portfolio management

Education

Bachelor’s degree in insurance or business administration

Equivalent relevant experience

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 AZ**

As a Large Accounts Underwriter, you'll manage a defined territory and drive profitable growth by evaluating complex commercial risks, developing tailored coverage solutions, and making strategic underwriting decisions. You'll partner closely with agents and brokers, build strong market relationships, and serve as a trusted resource on EMC's Large Accounts capabilities. Your insights and expertise will directly influence portfolio performance, business growth, and long-term underwriting success.

Essential Functions

• Manage and grow a profitable Large Accounts portfolio within assigned underwriting authority and territory.
• Evaluate complex multi-line accounts to determine pricing, coverage structures, and risk selection.
• Apply underwriting guidelines using loss history, financial data, risk control reports, and pricing tools.
• Maintain accurate underwriting documentation to support sound decisions and regulatory compliance.
• Negotiate underwriting terms, conditions, and pricing for Large Accounts business.
• Build and strengthen relationships with brokers and agents to drive growth and retention.
• Educate agency partners on EMC's Large Accounts appetite, capabilities, systems, and services.
• Conduct agency visits to discuss opportunities, account performance, and market updates.
• Partner with regional leadership on agency strategy, planning, and business development initiatives.
• Serve as a Large Accounts subject matter resource for internal business partners.
• Collaborate with sales, marketing, and leadership to optimize agency and portfolio performance.
• Monitor market trends, competitive activity, and industry developments to inform underwriting and growth strategies.

Education & Experience

• Bachelor’s degree, preferably in insurance or business administration, or equivalent relevant experience
• Five years of commercial underwriting experience or related experience
• Prior experience working with large accounts, including $500K+ premium accounts, loss-sensitive programs, and complex risk profiles