Underwriter II

AmTrust Financial Services, Inc.; Alpharetta (GA); On-site; USD 70,000 - 110,000; Full time

Benefits offered by this job

Medical & Dental Plans

Life Insurance

401k Savings Plans

Paid Time Off

Job summary

AmTrust Financial Services, Inc. seeks a commercial multi-line renewal underwriter with 4–5 years of experience to manage and price renewals while maintaining portfolio profitability.

You will serve as the primary contact for agency partners and brokers, using data-driven insights to negotiate renewals and protect long-term premium retention within defined authority.

Qualifications

• 3–4 years of dedicated Commercial Property & Casualty (P&C) underwriting experience.
• Prior experience handling middle-market multi-line packages is preferred.
• Strong knowledge of Commercial Lines policy forms and lines of business.

Responsibilities

• Risk evaluation and retention for a defined portfolio of renewal business.
• Pricing and premium adjustments based on targets and market conditions.
• Analyze agency reports to identify profitability trends and book composition shifts.
• Collaborate with underwriters and brokers to negotiate terms and alternatives.
• Oversee renewal processing, endorsements, and compliance with laws and guidelines.
• Escalate accounts beyond authority to senior management as needed.

Skills

Negotiation skills

Broker relationship

Data-driven decisions

Education

Bachelor's degree in Risk Management / Finance / Insurance / Business Admin

Job description

Overview

We are seeking an individual with 4-5 years’ experience as a commercial multi-line renewal underwriter. The role is dedicated to managing, evaluating, pricing, and retaining existing accounts while maintaining favorable risk exposure and portfolio profitability. Handling accounts ranging from small to middle market risks and working within defined letters of authority. You will act as primary point of contact for external agency partners and brokers, using data-driven insights to negotiate renewals and ensure long term premium retention.

Overview

We are seeking an individual with 4-5 years’ experience as a commercial multi-line renewal underwriter. The role is dedicated to managing, evaluating, pricing, and retaining existing accounts while maintaining favorable risk exposure and portfolio profitability. Handling accounts ranging from small to middle market risks and working within defined letters of authority. You will act as primary point of contact for external agency partners and brokers, using data-driven insights to negotiate renewals and ensure long term premium retention.

Responsibilities

Risk Evaluation and Retention: Analyze, assess, and re-underwrite a defined portfolio of Commercial Lines renewal business. Evaluate business risk factors, claims history, financial stability, and loss potential to execute sound retention strategies. Pricing & Optimization: Formulate accurate pricing strategies and premium adjustments based on segment targets, exposure changes, and current market conditions. Issue renewal quotes and structured proposal packages within strict company service windows. Portfolio Analytics: Review and interpret detailed Agency Analysis Reports. Identify profitability trends, shifts in book composition, and substandard metrics within assigned agency accounts to mitigate long-term losses. Broker & Agency Relationship Management: Collaborate closely with designated production underwriters, field representatives, and independent agents. Negotiate policy terms, clear up underwriting exceptions, and market alternative company products. Policy Servicing & Compliance: Oversee the accurate execution of complex renewal processing instructions, policy endorsements, conditional renewals, or legal cancellations. Ensure absolute adherence to statutory laws, corporate guidelines, and internal compliance checklists. Authority Alignment: Manage risks effectively within designated authority thresholds. Properly structure and elevate accounts exceeding limits to senior management or portfolio specialist teams.

Key Responsibilities

Risk Evaluation and Retention: Analyze, assess, and re-underwrite a defined portfolio of Commercial Lines renewal business. Evaluate business risk factors, claims history, financial stability, and loss potential to execute sound retention strategies. Pricing & Optimization: Formulate accurate pricing strategies and premium adjustments based on segment targets, exposure changes, and current market conditions. Issue renewal quotes and structured proposal packages within strict company service windows. Portfolio Analytics: Review and interpret detailed Agency Analysis Reports. Identify profitability trends, shifts in book composition, and substandard metrics within assigned agency accounts to mitigate long-term losses. Broker & Agency Relationship Management: Collaborate closely with designated production underwriters, field representatives, and independent agents. Negotiate policy terms, clear up underwriting exceptions, and market alternative company products. Policy Servicing & Compliance: Oversee the accurate execution of complex renewal processing instructions, policy endorsements, conditional renewals, or legal cancellations. Ensure absolute adherence to statutory laws, corporate guidelines, and internal compliance checklists. Authority Alignment: Manage risks effectively within designated authority thresholds. Properly structure and elevate accounts exceeding limits to senior management or portfolio specialist teams.

Qualifications

Required Qualifications & Experience:

• Experience: 3 to 4 years of dedicated Commercial Property & Casualty (P&C) underwriting experience is strictly required. Prior experience handling middle-market multi-line packages is highly preferred.
• Product Knowledge: Deep working knowledge of standard Commercial Lines policy forms and lines of business, including Commercial Property, General Liability, Workers' Compensation, Commercial Auto, and Excess/Umbrella policies.
• Education: A Bachelor’s degree in Risk Management, Finance, Insurance, Business Administration, or a heavily quantitative field is preferred. Equivalent combinations of hands‑on industry experience and certifications will be considered

What We Offer

AmTrust Financial Services offers a competitive compensation package and excellent career advancement opportunities. Our benefits include: Medical & Dental Plans, Life Insurance, including eligible spouses & children, Health Care Flexible Spending, Dependent Care, 401k Savings Plans, Paid Time Off. AmTrust strives to create a diverse and inclusive culture where thoughts and ideas of all employees are appreciated and respected. This concept encompasses but is not limited to human differences with regard to race, ethnicity, gender, sexual orientation, culture, religion or disabilities. AmTrust values excellence and recognizes that by embracing the diverse backgrounds, skills, and perspectives of its workforce, it will sustain a competitive advantage and remain an employer of choice. Diversity is a business imperative, enabling us to attract, retain and develop the best talent available. We see diversity as more than just policies and practices. It is an integral part of who we are as a company, how we operate and how we see our future.