Senior Underwriter-Analyst

PEMCO; United States; On-site; USD 105,762 - 129,264; Full time

Benefits offered by this job

Medical, dental, and vision plans

401(k) plan with employer match

Paid leave programs

Education assistance

Job summary

PEMCO seeks a Senior Underwriter-Analyst responsible for enhancing book and team performance through data-driven decisions. The ideal candidate will have over 8 years of underwriting experience and a strong analytical mindset. Responsibilities include evaluating processes for efficiency, overseeing underwriting territory, and mentoring team members. This role offers competitive compensation, including a salary range of $105,762–$129,264 for the Greater Seattle area and a comprehensive benefits package.

Qualifications

• 8+ years of personal lines insurance underwriting experience.
• Strong analytical and organized business thinking.
• Advanced Property & Casualty insurance knowledge.

Responsibilities

• Evaluate processes for efficiency improvements.
• Improve book quality and implement solutions.
• Maintain an underwriting territory and review risks.

Skills

Analytical skills

Problem-solving skills

Customer focus

Team player

Education

B.A. or B.S. degree in a related field

Chartered Property Casualty Underwriter (CPCU) designation

Tools

MS Office (Excel, Word, PowerPoint, Outlook)

Job description

Who We Are

At PEMCO we’re all about people – our customers, our employees, and the community. We’re a mutual insurance company owned by our Northwest policyholders and provide auto, home, renters, and boat coverage.

Recognized by Forbes as one of America’s Best Insurance Companies in both Auto and Home for 2025 and by Newsweek as one of America’s Greatest Midsize Workplaces 2025, we are consistently praised for our outstanding customer service, employee expertise, community partnerships, and social impact programs. Our social impact initiatives motivate youth achievement in education, build greener communities, and increase safety at home, on the road, and at play. We are committed to diversity, equity, inclusion, and belonging, fostering an inclusive workplace that encourages collaboration, flexibility, and celebrates all differences and similarities.

Job Description

Senior Underwriter‑Analyst – responsible for driving improvements to book, channel, and team results through data‑driven decision‑making, book and individual risk underwriting.

What You’ll Be Doing

• Evaluate processes, tasks, and workloads for opportunities to create efficiencies, automation, and optimization at an enterprise level; recommend improvements for agents/customers and lead implementation.
• Improve book quality by understanding agent/channel/book performance, designing and implementing re‑underwriting, automation or other solutions, and monitoring results to adjust as needed.
• Partner with principal analyst, UW management, and Product to research and develop new tools or processes to improve rating accuracy and reduce gaps.
• Maintain an underwriting territory, review individual risks and aggregate trends, provide relationship‑oriented service to customers, colleagues, and stakeholders, including direct contact with customers.
• Onboard agents and agencies in collaboration with sales management, analyzing profitability, growth potential, risk selection, and alignment with company philosophy; recommend quality improvements on new agents.
• Provide guidance, mentorship, and technical growth to team members through quality audits and knowledge sharing; act as team lead in the absence of Principal UW Analyst.
• Represent the department as an underwriting subject‑matter expert in complex company projects.
• Utilize analytics, quality reviews, and stakeholder input to identify, address, and monitor adverse selection, premium leakage gaps, and program changes.
• Demonstrate behaviors consistent with PEMCO’s policies, values, code of ethics, and business conduct.
• Support the PEMCO Brand and actively recruit top talent to achieve our mission to “Worry Less and Live More.”
• Perform other duties as assigned.

What You’ll Bring

• B.A. or B.S. degree or equivalent work experience in a business or related field.
• 8+ years of personal lines insurance underwriting experience, handling all lines for new and renewal business with increasing responsibility.
• Strong analytical and organized business thinking with the ability to resolve complex problems and present findings clearly.
• Advanced Property & Casualty insurance knowledge.
• Chartered Property Casualty Underwriter (CPCU) designation.
• Proficiency in MS Office – Excel, Word, PowerPoint, Outlook.
• Demonstrated experience creating and facilitating learning events on personal lines topics.
• Problem‑solving skills: analyze, diagnose, and resolve complex unstructured problems quickly and collaboratively.
• Team player: responsive, flexible, and able to succeed in a collaborative environment with effective relationships.
• Customer focus: relentless focus on the customer and deep understanding of their challenges.
• Confidentiality: high integrity and discretion in confidential situations.
• Data‑driven thinking: structured thinker who uses root‑cause analysis and develops clear, high‑quality metrics to drive strategy and priorities.

What We Value

• Make Agile Decisions – define desired outcomes, use consistent inclusive approach, drive decisions with data, pivot quickly.
• Build Trust – listen, communicate openly, engage in healthy debate, find solutions, move forward together.
• Own Results – commit to outcomes, achieve metrics, anticipate risks, have plan B, take accountability.
• Empower Execution – take actions, initiate, master, and purposefully drive outcomes.
• Explore Fearlessly – iterate quickly, test, learn, create safe space to fail fast and learn.
• Value People – appreciate diverse experiences, respect dignity, show empathy, and recognize people in real time.

Compensation

• Greater Seattle area target range: $105,762–$129,264 (full range $88,135–$146,891).
• Outside Greater Seattle area target range: $93,337–$114,079 (full range $77,781–$129,634).

Benefits

Regular part‑time PEMCO employees working at least 24 hours per week and full‑time employees are eligible for medical, dental, and vision plans. Additional benefits include:

• Basic life and accidental death & dismemberment insurance.
• Long‑ and short‑term disability coverage.
• Eligibility for PEMCO’s 401(k) plan with a generous employer match (2 for 1 on the first 6% pre‑tax or Roth contribution, up to federal maximums).

Paid leave programs (first year):

• Vacation accrues at 10 days for new hires, increasing to a maximum of 25 days.
• Four personal days immediately upon hire.
• Paid holidays for eight observed holidays.
• Up to ten days of sick leave immediately upon hire, prorated accordingly.
• Bereavement, jury duty, and volunteer leave.

Other benefit programs:

• Flexible Spending Accounts.
• Education assistance after one year of service.
• Scholarship program for employees’ children after one year of service.
• Employee assistance program.
• Well‑being program.
• Discretionary taxable gifts and gift cards.
• Discounts on software, hardware, cell phone plans, and rental cars.

Additional compensation may include discretionary bonuses, tiered sales commissions (5–25% of monthly sales), employee referral bonuses, and shift differential pay.

Equal Employment Opportunity

At PEMCO we celebrate & support our differences. We are an equal‑opportunity workplace, dedicated to equal employment opportunities regardless of race, color, ancestry, religion, sex, national orientation, age, citizenship, marital status, disability, gender identity, sexual orientation, or veteran status.

Applicants Have Rights Under Federal Employment Laws

• Family and Medical Leave Act (FMLA)
• Equal Employment Opportunity (EEO)
• Employee Polygraph Protection Act (EPPA)