Senior Surety Underwriter - Small to Mid Commercial

CLM Dallas Chapter; Richmond (VA); On-site; USD 90,000 - 130,000; Full time

Job summary

Liberty Mutual Insurance is seeking a Senior Surety Underwriter to join our Small to Mid Commercial team in Maryland. This role focuses on developing and underwriting profitable surety business, servicing independent agents, brokers, and small to mid-commercial accounts within an assigned territory.

You will perform primary credit underwriting and financial/risk analysis, provide recommendations, and make decisions on new and existing accounts.

Qualifications

• Bachelor's degree in Finance, Accounting or equivalent and 2.5+ years experience in surety underwriting preferred.
• Strong understanding of financial and accounting principles and ability to assess financial condition and credit history.
• Proven analytical ability to evaluate and judge underwriting risks.

Responsibilities

• Underwrite and negotiate accounts to maximize profitability while minimizing risk.
• Manage the profitability and retention of an assigned book of business and develop the portfolio with agents and brokers.
• Perform analytical evaluations of financial statements and monitor risk through quarterly data.
• Stay abreast of product lines and identify opportunities with agents and brokers.
• Investigate, analyze, and manage underwriting/accounting/workflow issues within policy framework.
• Assess changes in business factors affecting risk and coordinate with Home Office Underwriters.
• Mentor junior staff and participate in special projects as assigned.

Skills

Underwriting

Financial analysis

Relationship management

Communication

Education

Bachelor's degree in Finance/Accounting or equivalent

Job description

Description

Liberty Mutual Surety is currently recruiting for a Senior Surety Underwriter to join our Small to Mid Commercial team in Maryland.

Position

Company : Liberty Mutual Insurance

Location : Richmond, Virginia

Posted On : 10/28/2026

Description

Liberty Mutual Surety is currently recruiting for a Senior Surety Underwriter to join our Small to Mid Commercial team in Maryland.

As a Senior Surety Underwriter you will develop and underwrite profitable surety business, and service independent agents, brokers, and small to mid commercial accounts within an assigned territory. Using your excellent relationship skills, you will build and maintain positive partnerships our agents, brokers, and accounts as a trusted advisor and underwriting resource for our producers and customers. You will also use your business and financial acumen to perform primary credit underwriting and financial/risk analysis, provide recommendations, and make decisions on new and existing accounts. This is an excellent opportunity for an experienced and self-motivated surety professional looking to grow their career with a top surety company that focuses on its employees and customers first.

Responsibilities

• Underwrite and negotiate accounts to maximize profitability whilst minimizing risk, which may include the most complex accounts based on level of role. Makes thorough evaluations and assessments of a customers financial, technical, organizational, and management capacities, including experience, desired objectives as well as a subjective judgment of character.


• Manage the profitability and retention of an assigned book of business while continue to develop the portfolio through strong relationships and active engagement with new and existing agents and brokers. May assist in developing the marketing plan.


• Performs analytical evaluations of financial statements on both a static and trend basis. Determines the present and historical financial position of accounts and monitors financial position of risk through analysis of quarterly statements and work in progress data as appropriate.


• Stay abreast of Liberty Mutual Surety and Global Risk Solutions product lines and identify/promote opportunities across with agents and brokers, leveraging domestic and global capabilities.


• Responsible for investigation, analyzing, and managing all necessary underwriting/accounting/workflow issues, within framework ofSurety policies and procedures.


• May assess and identify changes in all aspects of the business including, but not limited to, work program to financial strength criteria, nature of work performed (inherent risk), accuracy and timeliness of data flow, and exposure analyses. Coordinate and surface issues to Home Office Underwriters and Field Management.


• Assists in the evaluation of business continuity arrangements and funding mechanisms (such as adequacy of life insurance) to preclude financial drain of customer in the event of the demise of (an) owner or other insurable loss.


• May mentor more junior staff based on level.


• Performs special projects and other duties as assigned.

If the selected candidate lives within 50 miles of a GRS office, then the selected candidate must be prepared to come into the office two days/week. This policy is subject to change.

Qualifications

• Bachelor's degree in Finance, Accounting or equivalent and a minimum of 2.5 years experience expected, preferably 3 or more years surety underwriting experience and/or equivalent surety related business experience . Strong preference with the small to mid commercial Surety product line.


• Solid understanding of financial and accounting principles and the ability to demonstrate sound business judgment in the evaluation of the financial condition and credit history.


• Proven analytical ability to evaluate and judge surety underwriting risks within scope of responsibility.


• AFSB certification preferred.


• Demonstrates strong ability to communicate complex analyses and information in understandable written and/or oral directives for underwriting or training purposes.


• Demonstrates strong communication and interpersonal skills.


• Excellent organizational skills as well as attention to detail.


• Salary and level based on experience and location.

About Us

Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.

At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.

We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: https://www.libertymutualgroup.com/about-lm/careers/benefits

Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.

Fair Chance Notices

• California


• Los Angeles Incorporated


• Los Angeles Unincorporated


• Philadelphia


• San Francisco