Risk Advisor Surety & Bonds

Smith Brothers Insurance, LLC.; Town of Florida (NY); On-site; USD 100,000 - 200,000; Full time

Job summary

Smith Brothers Insurance, LLC. is seeking a driven Surety Risk Advisor to grow and manage a developing surety bond portfolio in the Florida marketplace.

The role emphasizes new business development, client relationship management, and collaboration with underwriters to secure bond approvals. Ideal candidates will have a strong network in the construction industry, solid financial underwriting knowledge, and experience with pre-qualification processes.

Qualifications

• Minimum 3–5 years of experience in the Surety industry as a Risk Advisor or underwriter
• Active Property & Casualty insurance license
• Bachelor's degree in business, Finance, Accounting or related field preferred; high school diploma required
• Strong financial literacy, sharp negotiation skills, and clear, effective communication
• Team player with resilience and collaborator mindset

Responsibilities

• New Business Development: Source and secure new surety accounts through networking with construction oriented accounting firms, CPAs, and other leads
• Client Relationship Management: Serve as the primary contact for contractors and commercial surety clients
• Financial Analysis: Review client financial statements, WIP reports, and credit histories to assess bonding capacity
• Underwriter Collaboration: Present submissions to surety companies and negotiate terms and bond capacity
• Market Networking: Engage with local construction market groups and associations (ABC, AGC, CFMA)
• Technology: Use MS Office, agency systems, AI tools and related technologies
• Collaboration & Teamwork: Coordinate across teams to support clients and agency goals

Skills

Financial literacy

Negotiation

Communication

Networking

Education

Bachelor's degree preferred

High school diploma required

Tools

MS Office

Agency systems

AI tools

Job description

Description

We are seeking a driven and experienced Surety Risk Advisor to grow and manage our developing surety bond portfolio in the Florida marketplace. You will identify new business opportunities in commercial and construction surety, maintain relationships with existing clients and collaborate with underwriters to secure bond approvals. The ideal candidate has a strong network in the construction industry, a deep understanding of financial underwriting, and the pre-qualification process.

Description

We are seeking a driven and experienced Surety Risk Advisor to grow and manage our developing surety bond portfolio in the Florida marketplace. You will identify new business opportunities in commercial and construction surety, maintain relationships with existing clients and collaborate with underwriters to secure bond approvals. The ideal candidate has a strong network in the construction industry, a deep understanding of financial underwriting, and the pre-qualification process.

Responsibilities

• New Business Development: Source and secure new surety accounts through networking with construction oriented accounting firms, Certified Public Accountants, and other lead sources.
• Client Relationship Management: Serve as the primary point of contact for contractors and commercial surety clients to manage their ongoing bonding needs.
• Financial Analysis: Review client financial statements, work in progress (WIP) reports, and credit histories to assess bonding capacity.
• Underwriter Collaboration: Present account submissions to surety companies and negotiate favorable terms and bond capacity for clients.
• Market Networking: Join, attend, and be invested in the local construction market through active membership organizations like the Associated Builders & Contractors (ABC), association of General Contractors (AGC), Construction Financial Management Association (CFMA) etc.
• Technology: Effectively use MS Office, agency systems, AI tools, and other technologies.
• Collaboration & Teamwork: Collaborate across teams to support clients and agency goals, and demonstrate alignment with our purpose, values, and culture.

Qualifications & Skills

• Minimum 3-5 years of experience in the Surety industry either as a Risk Advisor (producer) or as a surety company underwriter.
• Active Property & Casualty Insurance license.
• Bachelor's degree in business, Finance, Accounting or related field preferred; high school diploma required.
• Strong financial literacy, sharp negotiation skills, clear effective communicator.
• Team player with resilience.

General Working Conditions

• Dynamic environment with frequent communication via in person, video, email, and phone.
• Offsite client, network, and prospect meetings require non-standard normal working hours - expect evening events and travel as normal course of business.
• Ability to view computer monitors for extended periods of time.
• Culture rooted in collaboration, integrity, trust, respect, creativity, and fun.

Compensation

This is a commission-based role. A draw may be provided during the initial validation period. Total compensation is based on performance and can range from $100,000k+ with uncapped commission earnings potential on new and renewal business. The stated range reflects the Company's good-faith estimate of potential earnings at the time of posting.

Eligible employees may participate in comprehensive benefit programs, including medical and dental insurance, a 401K plan, paid time off, and licensing, and continuing education reimbursement.

Must be authorized to work in the United States on a full-time basis without Company sponsorship.

Smith Brothers Insurance, LLC is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, color, religion, gender, affectional or sexual orientation, gender identity or expression, national origin, ancestry, nationality, age, disability, marital or domestic partnership or Civil Union status, pregnancy, family medical history or genetic information, atypical cellular or blood trait, military service or any other status protected by law.

This job description is only a summary of the typical functions of the job, not an exhaustive or comprehensive list of all possible responsibilities, tasks, and duties. Duties, responsibilities, and activities may change at any time with or without notice, based on business needs. This description does not constitute a contract of employment, and we reserve the right to revise the job description and/or require other tasks be performed as circumstances change.

About Smith Brothers

Smith Brothers Insurance is an independently operated Top 100 national insurance broker, proudly in business since 1971. We provide expertise across Commercial Lines, Personal Lines, High Net Worth, Employee Benefits, Surety, Group Retirement Plans including 401(k) and 403(b) Plans, Risk Management, and Financial Services.