Underwriter

Ryan Specialty, LLC; Charlotte (NC); On-site; USD 120,000 - 150,000; Full time

Job summary

Ryan Specialty, LLC is seeking an experienced Commercial Binding Authority Underwriter to evaluate, price, and manage a portfolio of commercial insurance business. You will build strong broker relationships, drive profitable growth, and apply disciplined underwriting within binding authority guidelines.

The role emphasizes risk evaluation, pricing accuracy, and collaborative problem solving across the underwriting team to deliver tailored insurance solutions.

Qualifications

• Bachelor’s degree in Business Administration, Risk Management, Insurance, or related field.
• 5+ years of commercial insurance underwriting experience, including Binding Authority.
• Master’s degree with at least 3 years underwriting experience may qualify.
• Experience evaluating risk, determining coverage and pricing, and managing an underwriting portfolio.
• Experience developing and maintaining productive broker relationships.
• Knowledge of commercial policy language, coverage forms, endorsements, and rating methods.

Responsibilities

• Underwrite new business, renewals, and endorsements per guidelines; evaluate risks and determine pricing.
• Assess risks, classifications, exposures, pricing, coverage forms, and endorsements.
• Review inspection reports and other information to validate exposures.
• Maintain documentation of underwriting decisions and rationale.
• Manage assigned portfolio with focus on retention and profitable growth.
• Build and maintain strong relationships with brokers, customers, and partners.
• Clearly communicate quotes, terms, and underwriting requirements to brokers.
• Establish and manage a pipeline of new business opportunities.
• Collaborate with underwriters to share market and broker insights.
• Contribute to a collaborative, solutions-oriented underwriting environment.

Skills

Risk evaluation

Binding authority

Pricing analysis

Portfolio management

Policy language

Broker relationships

New business

Pipeline management

Data-driven decisions

Communication

Team collaboration

Education

Bachelor’s degree

Master’s degree (preferred)

Job description

RT Specialty, a division of Ryan Specialty, is a leading wholesale distributor of specialty insurance products and services. Our experienced brokers are specialized in property, casualty, professional lines, transportation and workers’ compensation, providing creative solutions to retail brokerage firms. We define ourselves through our superior execution on behalf of our clients, which has established us as a leader in the industry.

Position Summary

The Commercial Binding Authority Underwriter is responsible for evaluating, pricing, and managing a portfolio of commercial insurance business while building strong relationships with broker partners and driving profitable growth. This role will underwrite new and renewal business within established authority, evaluate exposures and coverage needs, and make sound risk selection and pricing decisions. The Underwriter will also actively manage their broker relationships and production pipeline, identify opportunities to grow the portfolio, and collaborate across the team to develop solutions that appropriately address insureds' risks. The ideal candidate brings strong commercial underwriting fundamentals, experience working within binding authority, and the ability to balance technical underwriting discipline with a relationship-driven, production-oriented approach.

What will your job entail?

• Underwriting & Risk Selection
• Evaluate, price, and underwrite new business, renewals, and endorsements in accordance with underwriting guidelines and assigned authority.
• Analyze individual risks to determine appropriate classification, exposures, premium basis, pricing, coverage forms, and endorsements.
• Apply appropriate credits and debits to develop sustainable, risk-appropriate pricing.
• Review inspection reports and other available information to assess risk quality and validate exposures.
• Integrate relevant internal and external information into underwriting decisions.
• Identify risks requiring additional review and follow established referral guidelines.
• Maintain clear and accurate documentation of underwriting decisions and rationale.
• Ensure policies, endorsements, and other transactions are processed accurately and timely.
• Portfolio & Broker Management
• Actively manage an assigned portfolio with a focus on underwriting quality, retention, and profitable growth.
• Build and maintain strong relationships with assigned brokers, customers, and other business partners.
• Clearly communicate quotes, coverage terms, conditions, and underwriting requirements to broker partners.
• Establish and actively manage a pipeline of new business opportunities.
• Conduct stewardship meetings and participate in marketing activities, broker meetings, and industry events.
• Identify opportunities to strengthen existing relationships and expand production with key broker partners.
• Collaboration
• Partner with fellow underwriters and other team members to develop a comprehensive understanding of insured exposures and appropriate coverage solutions.
• Share market and broker insights that support portfolio and business development strategies.
• Contribute to a collaborative, solutions-oriented underwriting environment focused on disciplined growth.

What We’re Looking For

• Education & Experience
• Bachelor’s degree in Business Administration, Risk Management, Insurance, or a related discipline preferred; equivalent relevant experience will also be considered.
• 5+ years of commercial insurance underwriting experience, including experience with Binding Authority business preferred.
• Candidates with a Master’s degree and at least 3 years of relevant underwriting experience may also be considered.
• Demonstrated experience evaluating risk, determining appropriate coverage and pricing, and managing an underwriting portfolio.
• Experience developing and maintaining productive broker relationships.
• Working knowledge of commercial insurance policy language, coverage forms, endorsements, and rating methodologies.
• Licenses & Certifications
• Applicable state Property & Casualty and/or Surplus Lines licenses, as required.
• CIC and/or CPCU designation preferred.
• Skills & Capabilities
• Commercial risk evaluation and selection
• Binding authority underwriting
• Pricing and exposure analysis
• Portfolio management
• Policy language and coverage analysis
• Broker relationship management
• New business development and marketing
• Pipeline management
• Data-informed decision making
• Clear written and verbal communication
• Presentation and relationship-building skills
• Strong organization and time management
• Ability to work collaboratively across underwriting disciplines

Ryan Specialty is an Equal Opportunity Employer. We are committed to building and sustaining a diverse workforce throughout the organization. Our vision is an inclusive and equitable workplace where all employees are valued for and evaluated on their performance and contributions. Differences in race, creed, color, religious beliefs, physical or mental capabilities, gender identity or expression, sexual orientation, and many other characteristics bring together varied perspectives and add value to the service we provide our clients, trading partners, and communities. This policy extends to all aspects of our employment practices, including but not limited to, recruiting, hiring, discipline, firing, promoting, transferring, compensation, benefits, training, leaves of absence, and other terms, conditions, and benefits of employment.

We provide individuals with disabilities reasonable accommodations to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment in accordance with applicable law. Please contact us to request an accommodation at [e-mail].

In addition to paid time off for company holidays, vacation, sick and personal days, Ryan offers paid parental leave, mental health services and more.

Full-time roles are eligible for bonuses and benefits.

The target salary range for this position is $120,000.00 - $150,000.00 annually.

The wage range for this role considers many factors, such as training, transferable skills, work experience, licensure and certification, business needs, and market demands. The pay range is subject to change and may be modified in the future. Full-time roles are eligible for bonuses and benefits.

A multi-time winner of Newsweek’s Most Loved Workplaces and Insurance Business’s Top Insurance Employers, Ryan Specialty is home to some of the brightest talent in the insurance industry. Join our team and help provide innovative solutions for insurance brokers, agents and carriers.

Ryan Specialty, LLC and its affiliates ("Ryan Specialty") do not accept unsolicited resumes or candidate profiles submitted by any staffing agencies, placement services or professional recruiters ("Agencies"), including any submissions made through our website or to email accounts of Ryan Specialty employees. Agencies must be registered in Ryan Specialty’s agency portal and have a fully executed contract for service between the Agency and the Agency. Agency fee agreements will only be valid if provided in such fully executed contract between the Agency and the Agency. Any unsolicited resume or candidate profile received from an Agency without prior approval