Senior Underwriter-Analyst

PEMCO; Washington; On-site; USD 93,000 - 147,000; Full time

Benefits offered by this job

401(k) match

Paid time off

Holidays

Flexible benefits

Job summary

PEMCO is seeking a Senior Underwriter-Analyst to strengthen agent partnerships and deliver data-driven underwriting outcomes from Seattle, WA, with travel as needed. The role demands extensive personal lines underwriting experience and analytical acumen to drive profitable growth and retention.

You will collaborate with Underwriting, Product, and leadership to share expertise, mentor teammates, and uphold PEMCO’s standards and brand values. A CPCU designation is preferred.

Qualifications

• 8+ years of personal lines underwriting experience across new and renewal business.
• Customer-first mindset with ability to build partnerships.
• Strong analytical skills to turn data into insights.

Responsibilities

• Build agent relationships and partner with Sales to optimize book performance.
• Manage underwriting territory and assess risks and portfolio trends.
• Identify adverse selection, premium leakage, and gaps with data-driven solutions.
• Improve underwriting processes, workloads, tools, and automation for efficiency.

Skills

Personal lines underwriting

Analytical thinking

Customer partnerships

Excel

Underwriting processes

Education

Bachelor's degree in business or related field

CPCU designation

Tools

Excel

Word

PowerPoint

Outlook

Job description

Job Description

Applicants must be a resident and work from one of the following states: WA, OR, OH, IL, NC, SC, Fl, TX or ID with occasional travel to our headquarters, located in Seattle, WA.

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. We provide auto, home, renters, and boat coverage. Recognized by Forbes as one of America’s Best Insurance Companies in both Auto and Home for 2026, based on customer survey feedback, and by Newsweek as one of America’s Greatest Midsize Workplaces 2025. We are consistently recognized for our outstanding customer service, employee expertise, community partnerships, and social impact programs. All of which makes PEMCO a great place to work! Our social impact programs motivate high achievement by youth in education; build stronger and greener communities; and increase safety at home, on the road, and at play. We’re committed to diversity, equity, inclusion, and belonging, and to fostering an inspiring and inclusive workplace. These efforts create and cultivate an environment that builds fairness and understanding, encourages collaboration and flexibility, and celebrates all the ways in which we’re different and the same – enabling all individuals to achieve their full potential.

Why We Need You

Join PEMCO as a Senior Underwriter-Analyst and move your career forward by making a meaningful impact on our business, agent partnerships, and customers. In this rewarding role, you’ll combine traditional underwriting values and relationship-based responsibilities with data-driven insights to strengthen book, channel, and team results, confidently assess individual risks, and develop and maintain trusted agent relationships that drive profitable growth and retention.

What You’ll Be Doing

• Build trusted agent relationships and partner with Sales to evaluate, onboard, and manage agent book performance for profitable growth, retention, and strong quality.
• Manage an underwriting territory by assessing individual risks and portfolio trends, addressing risk quality, and delivering responsive service to agents, customers, and stakeholders.
• Use analytics, quality reviews, and stakeholder insights to identify adverse selection, premium leakage, and program gaps, then implement and monitor data-driven solutions.
• Evaluate and improve underwriting processes, workloads, tools, and automation to increase efficiency, accuracy, customer experience, and rating outcomes.
• Serve as an underwriting subject matter expert on complex initiatives, collaborating across Underwriting, Product, and leadership while providing mentorship, quality guidance, and underwriting perspective.
• Model PEMCO’s policies, values, ethics, and brand while supporting recruitment and advancing our mission to Worry Less and Live More.
• Perform other duties as assigned

What You'll Bring

• 8+ years of progressively responsible personal lines underwriting experience across new and renewal business.
• A customer-first mindset and a talent for building responsive, collaborative partnerships.
• Strong analytical skills to solve complex problems, uncover root causes, and turn data into clear insights and actionable metrics.
• Advanced property and casualty knowledge; proficiency in Excel, Word, PowerPoint, and Outlook; and experience creating and facilitating personal lines learning.
• A bachelor’s degree in business or a related field, or equivalent work experience.
• Chartered Property Casualty Underwriter (CPCU) designation.

Compensation

The pay range for this role is shown below. Compensation decisions are determined based on an individual’s qualifications, job-related knowledge, skills, and experience.

• Greater Seattle area target pay range: $105,762-$129,264. The full pay range is $88,135-$146,891.
• Outside Greater Seattle area target pay range: $93,337-$114,079. The full pay range is $77,781-$129,634.

Greater Seattle Area is defined as working within approximately 100 miles of Seattle.

Outside Greater Seattle is defined as working approximately 100 miles or more from Seattle.

Benefits

Regular part-time PEMCO employees working at least 24 hours per week and regular full-time PEMCO employees are eligible to elect coverage under medical, dental, and vision plans for themselves and their eligible family members with generous employer premium cost shares. In addition, as a benefits-eligible employee, you are:

• covered by employer-paid basic life and accidental death & dismemberment insurance policies as well as long- and short-term disability benefit coverages.
• eligible to participate in PEMCO’s 401(k) plan, which includes a generous employer match (2 for 1 on the first 6% employee pre-tax and/or Roth deferral, up to federal maximums).

PEMCO provides the following paid leave programs for benefits-eligible employees in their first year of PEMCO employment:

• Vacation and eight (8) paid holidays.
• Granted four (4) floating holidays and up to ten (10) days of sick leave immediately upon hire (pro-rated based on hire date and full-time/part-time status).
• In addition, PEMCO provides paid time off for bereavement, jury duty, and employee volunteering in the community.

Other Miscellaneous Benefit Programs Offered By PEMCO Include

• Education Assistance Program after one year of service.
• Scholarship program for children of PEMCO employees after one year of service; children’s birthday gift program
• Flexible Spending Accounts, Employee Assistance Program, and charitable gift matching

Other compensation depending on role, contributions, and performance may include:

• Discretionary bonuses.
• Tiered sales commissions and/or incentives

Equal Employment Opportunity

At PEMCO, we celebrate and support our differences. We know employing a team rich in diverse thoughts, experiences, and opinions allows our employees, our products, and our community to flourish. PEMCO is honored to be an equal opportunity workplace. We are 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.

Accommodations

At PEMCO, people are at the heart of our business. We’re committed to providing an inclusive hiring experience for all candidates. If you need reasonable accommodations to apply for a role or participate in an interview, please contact us by email with your name, the job reference number(s), your preferred contact method, and a brief description of the accommodation needed. Requests are considered on a case by case basis in accordance with applicable disability laws, including the ADAAA.

Applicants Have Rights Under Federal Employment Laws

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