Senior Commercial Underwriter

EMC Insurance; North Carolina; Hybrid; USD 102,000 - 141,000; Full time

Benefits offered by this job

Life insurance

Medical coverage

Dental coverage

Vision coverage

Prescription drug coverage

Job summary

EMC Insurance in North Carolina is seeking an experienced commercial underwriter to manage a high-volume territory with broad underwriting authority. You will select, grow and maintain a profitable book, evaluate highly complex accounts and determine risk and pricing, and develop strong agency relationships through regular visits and education on EMC products.

The ideal candidate holds a bachelor's degree (insurance or business), about five years of commercial lines underwriting experience, CPCU

Qualifications

• Bachelor's degree in insurance or business administration.
• Five years of experience in commercial lines underwriting.
• CPCU or insurance designation preferred.

Responsibilities

• Selects, grows and maintains a profitable book of business for assigned high-volume territory with underwriting authority.
• Evaluates and analyzes highly complex accounts for risk selection and pricing purposes.
• Educates agents on EMC products, underwriting appetite, systems and services.
• Develops and fosters agency relationships and visits agencies to discuss accounts.

Skills

Underwriting

Risk analysis

Customer service

Communication skills

Leadership

Microsoft Office

Travel willingness

Agency relationships

Education

Bachelor's degree in insurance or business administration

CPCU designation preferred

Tools

Microsoft Office

Job description

Essential Functions:

• Selects, grows and maintains a profitable book of business for assigned high-volume territory with a high level of underwriting authority


• Evaluates and analyzes highly complex accounts 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.


• 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 in order to maximize opportunities.


• Communicates with agents proactively and anticipates agents and insureds’ needs.


• Identifies opportunities and potential barriers within agency relationships


• Collaborates with marketing representatives to ensure agents receive superior customer experiences


• Offers appropriate coverage for exposures and explains decisions to agents


• Coordinates with marketing and branch management in the agency planning and review processes


• Serves as a mentor for less experienced underwriters.


• Answers questions, shares recommendations for complex situations, such as difficult accounts, communication strategies or problematic agency relationships and explains the rationale for recommendations.


• Supports underwriting management through reviewing work of less experienced underwriters and providing training.

Education & Experience:

• Bachelor's degree, preferably in insurance or business administration


• Five years of experience in commercial lines underwriting


• Insurance designations, such as CPCU preferred

Knowledge, Skills & Abilities:

• Excellent knowledge of underwriting and risk analysis


• Exceptional problem-solving skills and the ability to make sound decisions


• Strong customer service skills


• Strong computer skills, including knowledge of Microsoft Office and social media


• Ability to work on multiple projects while meeting deadlines


• Excellent written and verbal communication skills, including the ability to speak effectively before groups


• Strong presentation skills preferred


• Ability to work effectively with others, as well as independently


• Demonstrated leadership qualities


• 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: $92,670 - $128,045 or $102,443 - $140,845 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.

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

• More than 105 years of financial strength and stability


• Named a five-star insurance carrier by Insurance Business America


• Two-time recipient of the Best Practices Award of Excellence from the Independent Agents & Brokers of America


• Multiple locations recognized as Top Workplaces based solely on team member feedback


• Corporate culture that engages and empowers team members to achieve their best


• 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.


• View the federal and e-verify labor law posters.

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