Senior Underwriter, Property

AXA XL; Houston (TX); On-site; USD 108,000 - 209,000; Full time

Job summary

AXA XL in Houston seeks aSenior Underwriter, Property to deliver profitable underwriting for multinational accounts. You will underwrite renewals and new business, set strategy, and manage risk within delegated authority while collaborating with brokers and clients.

The role requires extensive underwriting and property insurance experience, strong analytical skills, and the ability to negotiate with Fortune 500 clients.

Qualifications

• Extensive underwriting experience of large multi-national accounts.
• Property insurance experience required.
• Bachelor’s degree (or equivalent).
• Demonstrated technical knowledge and skills including product and industry.
• Demonstrated ability to represent AXA XL with appropriate gravitas, professionalism and sound judgment.
• Robust analytical and problem solving skills as well as outstanding sales and marketing abilities.
• Robust organizational, time-management and multi-tasking skills combined with an outstanding work ethic.
• Ability to develop and understand business processes, strategy and planning
• Ability to work self-directed.
• Ability to respond to a changing environment with flexibility and innovation.
• Robust customer service and negotiation skills.

Responsibilities

• Underwrite and service a renewal book and produce new business in accordance with business unit goals.
• Represent AXA XL in client meetings with senior Fortune 500 and broker senior executives.
• Calculate appropriate risk premium and exercise judgment in risk analysis.
• Participate in roundtable discussions on risk assessment.
• Negotiate with producers within the limits of delegated authority and in accordance with underwriting standards.
• Build and enhance relationships with brokers and clients and identify new distribution relationships.
• Maintain expertise with products, services, priorities and target markets to help clients uncover hidden risks.
• Promote the company's expertise by participating in industry conferences and events and leading client/broker meetings on risk.
• Maintain compliance with underwriting guidelines and legal requirements.
• Support planning and forecasting; monitor financial exposure and premium income within limits.
• Maintain awareness of all claims and assist in settlements.
• Identify and drive new product development; cross-market with AXA XL lines; cultivate broker relationships in the region.
• Work collaboratively in a team with underwriters and management.

Skills

Underwriting experience

Property insurance

Technical knowledge

Analytical skills

Time management

Self-direction

Flexibility

Negotiation

Education

Bachelor’s degree

Job description

We invent the new to help the world move forward. Leveraging strategic analytics and deep insights, we develop big ideas and innovative solutions that maximize our clients’ potential, thereby fulfilling our own. Come be a part of our inspiring team and help create the future.

Learn more at axaxl.com

What You’ll Be DOING

As a Senior Underwriter, Property you will be responsible for delivering a profitable ‘Underwriting’ service to your clients. Your key tasks include: underwriting business within the agreed business plan and individual authority; supporting the business planning and forecasting process; monitoring financial exposure within outlined limits; monitoring premium income to ensure it remains within set limits; maintaining awareness of all claims advised while supporting and providing input on settlement of claims; ensuring adequate reinsurance acquired to cover specific risks; building and maintaining relationships with brokers and clients; supporting the design and structure of risks.

What will your essential responsibilities include?

• Underwrite and service a renewal book and produce new business in accordance with business unit goals. Develop and manage underwriting strategies for both renewals and targets within your portfolio of accounts.
• Represent AXA XL in client meetings with senior Fortune 500 and broker senior executives.
• Calculate appropriate risk premium, exercise discretion and self-supproted judgment in the analysis and evaluation of risk.
• Participate in roundtable discussions on risk assessment.
• Negotiate with producers within the limits of delegated authority and in accordance with established underwriting standards to achieve profit objectives.
• Build and enhance relationships with brokers and clients and identify and establish new distribution relationships.
• Maintain expertise with the products, services, priorities and target markets to more effectively enable clients to uncover hidden risks.
• Promote the company's expertise by participating in industry conferences and events and conducting leadership roles in client and broker meetings to educate on risk.
• Maintain compliance with all internal and external underwriting guidelines and legal requirements.
• Support the business planning and forecasting process; monitor financial exposure within outlined limits; monitor premium income to ensure it remains within set limits.
• Maintain awareness of all claims advised while supporting and providing input on settlement of claims.
• Identify and drive new product development opportunities. Effectively cross-market with other AXA XL lines; meet with brokers and insureds as required. Cultivate key broker relationships in the region to maintain a steady stream of business within our underwriting appetite.
• Work collaboratively in a team environment, assisting underwriters, underwriting assistants and management team.

You will report to the Head of Property, Central Zone

What You Will BRING

We’re looking for someone who has these abilities and skills:

• Extensive underwriting experience of large multi-national accounts.
• Property insurance experience required.
• Bachelor’s degree (or equivalent).
• Demonstrated technical knowledge and skills including product and industry.
• Demonstrated ability to represent AXA XL with appropriate gravitas, professionalism and sound judgment.
• Robust analytical and problem solving skills as well as outstanding sales and marketing abilities.
• Robust organizational, time-management and multi-tasking skills combined with an outstanding work ethic.
• Ability to develop and understand business processes, strategy and planning
• Ability to work self-directed.
• Ability to respond to a changing environment with flexibility and innovation.
• Robust customer service and negotiation skills.

Who WE are

AXA XL, the P&C and specialty risk division of AXA, is known for solving complex risks. For mid-sized companies, multinationals and even some inspirational individuals we don’t just provide re/insurance, we reinvent it.

How? By combining a comprehensive and efficient capital platform, data-driven insights, leading technology, and the best talent in an agile and inclusive workspace, empowered to deliver top client service across all our lines of business — property, casualty, professional, financial lines and specialty.

With an innovative and flexible approach to risk solutions, we partner with those who move the world forward.

Learn more at axaxl.com.

What we OFFER

Inclusion

AXA XL is committed to equal employment opportunity and will consider applicants regardless of gender, sexual orientation, age, ethnicity and origins, marital status, religion, disability, or any other protected characteristic. At AXA XL, we know that an inclusive culture and enables business growth and is critical to our success. That’s why we have made a strategic commitment to attract, develop, advance and retain the most inclusive workforce possible, and create a culture where everyone can bring their full selves to work and reach their highest potential. It’s about helping one another — and our business — to move forward and succeed.

• Five Business Resource Groups focused on gender, LGBTQ+, ethnicity and origins, disability and inclusion with 20 Chapters around the globe.
• Robust support for Flexible Working Arrangements
• Enhanced family-friendly leave benefits
• Named to the Diversity Best Practices Index
• Signatory to the UK Women in Finance Charter

Learn more at Inclusion & Diversity at AXA XL | AXA XL. AXA XL is an Equal Opportunity Employer.

Total Rewards

AXA XL’s Reward program is designed to take care of what matters most to you, covering the full picture of your health, wellbeing, lifestyle and financial security. It provides enterprising compensation and personalized, inclusive benefits that evolve as you do.

We’re committed to rewarding your contribution for the long term, so you can be your best self today and look forward to the future with confidence.

Sustainability

At AXA XL, Sustainability is integral to our business strategy. In an ever-changing world, AXA XL protects what matters most for our clients and communities. We know that sustainability is at the root of a more resilient future. Our 2023-26 Sustainability strategy, called “Roots of resilience”, focuses on protecting natural ecosystems, addressing climate change, and embedding sustainable practices across our operations.

Our Pillars

• Valuing nature: How we impact nature affects how nature impacts us. Resilient ecosystems - the foundation of a sustainable planet and society – are essential to our future. We’re committed to protecting and restoring nature – from mangrove forests to the bees in our backyard – by increasing biodiversity awareness and inspiring clients and colleagues to put nature at the heart of their plans.
• Addressing climate change: The effects of a changing climate are far-reaching and significant. Unpredictable weather, increasing temperatures, and rising sea levels cause both social inequalities and environmental disruption. We're building a net zero strategy, developing insurance products and services, and mobilizing to advance thought leadership and investment in societal-led solutions.
• Integrating ESG: All companies have a role to play in building a more resilient future. Incorporating ESG considerations into our internal processes and practices builds resilience from the roots of our business. We’re training our colleagues, engaging our external partners, and evolving our sustainability governance and reporting.
• AXA Hearts in Action: We have established volunteering and charitable giving programs to help colleagues support causes that matter most to them, known as AXA XL’s “Hearts in Action” programs. These include our Matching Gifts program, Volunteering Leave, and our annual volunteering day – the Global Day of Giving.

For more information, please see Sustainability at AXA XL.

The U.S. base salary range for this position is USD 107,600 – 209,100.

Actual pay will be determined based upon the individual’s skills, experience and location. We strive for market alignment and internal equity with our colleagues’ pay.

At AXA XL, we know how important physical, mental, and financial health are to our employees, which is why we are proud to offer benefits such as a competitive retirement savings plan, health and wellness programs, and many other benefits. We also believe in fostering our colleagues' development and offer a wide range of learning opportunities for colleagues to hone their professional skills and to position themselves for the next step of their careers. For more details about AXA XL’s benefits offerings, please visit US Benefits at a Glance 2026.