Underwriter II

Mem Ins; Columbia Township (MO); Hybrid; USD 70,000 - 90,000; Full time

Benefits offered by this job

Health insurance

Life insurance

Disability coverage

PTO

Holidays & leave

401(k) with match

Employee assistance program

Job summary

MEM Insurance is seeking an Underwriter II to manage a dedicated book of business, applying workers' compensation underwriting guidelines and MEM’s rating framework to drive profitable growth and strong agency partnerships.

The role emphasizes collaboration with producers and policyholders, risk analysis, and mentoring teammates while upholding regulatory compliance and MEM’s service standards.

Qualifications

• 3 years of workers' compensation underwriting experience or 3 years of property and casualty underwriting including workers' compensation.
• Valid driver’s license.
• Insurance designations such as RWCS, AINS, AU, or CPCU are encouraged.

Responsibilities

• Independently manage an assigned book of business using MEM’s underwriting philosophy and guidelines.
• Evaluate, select, and price new and renewal business within authority.
• Analyze risk exposures and loss history using underwriting tools and forecasting.
• Collaborate with producers and policyholders to build consultative relationships.
• Communicate decisions clearly, ensuring regulatory and company standards alignment.

Skills

Underwriting

Collaboration

Risk analysis

Education

Bachelor’s degree in Business Administration, Insurance and Risk Management, or related field

Job description

Candidate must be located in MO, IA, IL, TN, AR, NE, or IL

Are you an experienced insurance professional with a passion for evaluating risk and building strong relationships? MEM Insurance is seeking a detail-oriented and collaborative Underwriter II to join our Underwriting team. In this role, you’ll manage your own book of business, applying your knowledge of workers compensation and MEM’s underwriting strategy to drive profitable growth and deliver exceptional service to our customers and partners.

At MEM, we believe in doing more than just protecting businesses—we’re here to support the people behind them. That includes our employees. We foster a culture of trust, collaboration, and continuous learning. If you’re looking for a place where your expertise is valued and your growth is supported, we’d love to meet you.

Essential Duties and Responsibilities:

• Independently manage an assigned book of business, applying MEM’s underwriting philosophy, rating methodology, and guidelines.
• Evaluate, select, and price new and renewal business within granted underwriting authority.
• Analyze risk exposures, trends, and loss history using underwriting tools, predictive modeling, and forecasting.
• Collaborate with producers and policyholders—both virtually and in person—to build strong, consultative relationships.
• Communicate underwriting decisions clearly and professionally, ensuring alignment with regulatory rules and company standards.
• Partner with Safety and Risk Services to assess and mitigate risk.
• Refer business outside of authority as appropriate and support sound underwriting decisions.
• Participate in cross-functional projects and committees to support company and departmental goals.
• Serve as a mentor and technical resource for less experienced underwriters and underwriting assistants.

Qualifications:

• Bachelor’s degree in Business Administration, Insurance and Risk Management, or a related field—or equivalent combination of education and underwriting experience.
• 3 years of workers' compensation underwriting experience required or 3 years of property and casualty underwriting experience including workers' compensation underwriting
• Valid driver’s license required.
• Insurance designations such as RWCS, AINS, AU, or CPCU are highly encouraged.

Company Culture and Values:

At MEM Insurance, we’re more than a workers compensation carrier—we’re a team of people who care deeply about protecting businesses and empowering employees. We live our values every day by fostering a culture of integrity, service, and innovation. We believe in investing in our people, encouraging professional development, and celebrating success together. Join a company where your voice matters and your work makes a difference.

Total Rewards:

Health Plans

• Medical, Dental, and Vision
• Fertility benefits and fully paid preventative care
• Dental coverage includes adult orthodontia and other uncommon treatments

Fully Employer-Paid Life and Disability Benefits

• Life Insurance – three times base salary
• Accidental Death and Dismemberment
• Short and Long-term Disability

Wellness and Recognition

• Employee Wellness and Recognition Program with employer-paid incentives for employees and spouses

Flexible Spending and Savings

• Flexible Spending Account and Dependent Care options
• Health Savings Account with generous employer contribution

Time Away from Work

• Generous PTO accruals
• 11 Holidays and 4 Early Releases
• 16 Hours of Volunteer Time Off
• 20 Days of Paid Parental Leave (in addition to STD)
• Marriage, Bereavement, and Jury Duty Leave

Additional Benefits

• Employee Assistance Programs
• 401(k) Retirement Plan with employer match and profit sharing