Senior Cyber Underwriter — Strategy, Leadership & Growth

Howden Group; Chicago, Northern (IL, KY); Hybrid; USD 115,000 - 170,000; Full time

Benefits offered by this job

Medical benefits

Dental benefits

Vision benefits

401k with company match

Unlimited PTO

Job summary

DUAL North America, Inc. is seeking a Senior Underwriter for the Cyber division in a hybrid Chicago/NY role. You will shape underwriting frameworks and manage a portfolio of complex cyber risks, balancing profitability with coverage needs.

Lead account negotiations, provide technical guidance, and mentor junior team members while expanding broker relationships. Requires 5–8 years underwriting experience and relevant certifications; travel up to 25% is expected.

Qualifications

• Bachelor’s degree in risk management, Finance, Business, or related field preferred.
• 5–8 years of underwriting experience.
• CPCU, AU or similar certifications preferred.
• Strong analytical, negotiation, and decision-making skills.
• Proficiency in Microsoft Office Suite.

Responsibilities

• Underwrite complex insurance risks within granted level of authorities by identifying and analyzing risk exposures, loss frequency and severity against desired coverage.
• Ensure submissions meet underwriting standards for the program and are profitable.
• Curate a portfolio of business in accordance with Underwriting Guidelines and prescribed pricing tools, but has more discretion in curating the portfolio than an underwriter.
• Identify changes in account/ market risk exposures and loss trends to maximize profitability.
• Work with Manager to define and execute team production goals.
• Review referrals from Underwriters and Associate Underwriters.
• Provides technical guidance, coaching, and mentoring to others on the team and within the company; may formally manage 1-2 direct reports but is not required.
• Execute on annual new and renewal business goals by achieving agreed premium income and hitting quote numbers with desired hit ratios and retentions.
• Foster relationships with key producers by traveling to connect and attend events/meetings as needed.
• Gather and compile information required to quote and/or bind an account.
• Demonstrate advanced understanding of technical underwriting principles and risk underwriting characteristics in their line of business which could include key components of risk factors and how these progress over time, understanding basic exclusions and understanding more nuanced risks as well; may begin expanding knowledge of other lines of business as well.
• Keep up to date on market dynamics, competitive landscape, and product differences - communicate market intelligence to the broader group.
• Negotiate with producers within the limits of delegated authority and in accordance with established underwriting standards to achieve profit objectives.
• Underwriting Authority: Has Underwriting authority as outlined in LOA

Skills

Underwriting

Negotiation

Analytical skills

Broker relationships

Education

Bachelor's degree in risk management, Finance, Business, or a related field

CPCU/AU certification

Tools

Microsoft Office Suite

Job description

DUAL North America, Inc. is seeking a Senior Underwriter for the Cyber division in a hybrid Chicago/NY role. You will shape underwriting frameworks and manage a portfolio of complex cyber risks, balancing profitability with coverage needs.

Lead account negotiations, provide technical guidance, and mentor junior team members while expanding broker relationships. Requires 5–8 years underwriting experience and relevant certifications; travel up to 25% is expected.