Underwriting Consultant - National Accounts Casualty, Monoline Umbrella

CNA Insurance; Houston (TX); Hybrid; USD 120,000 - 180,000; Full time

Job summary

CNA Insurance is seeking experienced Excess Casualty Underwriters in a hybrid role based in Houston or Dallas. You will manage lead umbrella and excess accounts, drive profitability, and build strong relationships with agencies and brokers.

The position requires deep underwriting knowledge, strong negotiation skills, and the ability to work independently while leveraging CNA systems for day-to-day activities.

Qualifications

• Bachelor's degree or equivalent experience. Professional designations preferred.
• Typically eight years’ underwriting experience.

Responsibilities

• Reviews applications and financial requirements for risks requiring complex underwriting. Determines acceptability of risk per guidelines.
• Determines pricing based on financial and competitive analysis; prepares quotes and answers questions from agencies or policyholders.
• Negotiates with agents to reach positive outcomes and notifies agencies of decisions and requirements.
• Markets products through agencies or brokers; develops and maintains agency relationships.
• Keeps current on state/territory issues and regulations; shares information with others.
• Uses CNA systems to perform day-to-day underwriting tasks; collaborates with senior underwriters on complex risks.

Skills

Underwriting knowledge

Negotiation

Communication

Independent work

Analytical thinking

Decision making

Microsoft Office

Education

Bachelor's degree

Professional designations (preferred)

Tools

Microsoft Office Suite

Job description

JOB DESCRIPTION

You have a clear vision of where your career can go. And we have the leadership to help you get there. At CNA, we strive to create a culture in which people know they matter and are part of something important, ensuring the abilities of all employees are used to their fullest potential.

CNA seeks to offer a comprehensive and competitive benefits package to our employees that helps them — and their family members — achieve their physical, financial, emotional and social wellbeing goals.

For a detailed look at CNA’s benefits, check out our Candidate Guide.

CNA provides Excess Liability Coverages to businesses of all sizes. Our Commercial standard lines umbrella and excess team underwrites a diverse mix of business and industry classes including Manufacturing, Distributors, Real Estate, Technology, Retail, Hospitality and Professional Services.

Our Excess Casualty Underwriters are high level individual contributors handling lead umbrella and excess accounts, both monoline and over CNA risk management primary accounts. Recognized as a technical expert, you will drive business results through strong sales, marketing and relationship building skills with external and internal business partners, responsible for overall management, business development, growth and profitability of a book business within the retail monoline umbrella space.

This position will work from our offices in either Houston or Dallas on a hybrid in-office schedule.

Essential Duties & Responsibilities

• Performs a combination of duties in accordance with departmental guidelines:
• Reviews applications and financial requirements for risks requiring complex underwriting skills. Determines acceptability of risk in accordance with company guidelines and standards. Also, determines the need for additional evidence of insurability and appropriate strategy.
• Determines appropriate pricing based on financial and competitive analysis in line with compliance requirements.
• Prepares quotes and answers questions from agencies, policyholders or other external contacts and escalates issues to management along with proposed solutions as necessary. Negotiates with agents to reach positive and profitable outcomes.
• Notifies agencies of adverse underwriting decisions, rate appeals, underwriting requirements, status and declinations.
• Analyzes quality, quantity, and profitability of risks underwritten and prepares reports for management review.
• Markets products and services through agencies or through the brokerage community and makes field visits. Develops and maintains agency and/or broker relationships.
• May provide guidance and assistance to other underwriters and to other functional areas, particularly when related to cross-sell opportunities.
• Keeps current on state/territory issues and regulations, industry activity and trends and freely shares information with others.
• Utilizes advanced functionality in relevant CNA systems to perform day-to-day activities.
• Works with more senior underwriters or management on risks exceeding authority level or requiring special handling.

Skills, Knowledge & Abilities

• Advanced knowledge of underwriting and insurance industry theories and practices.
• Demonstrated high level of technical expertise and product specific knowledge.
• Strong interpersonal, communication and negotiation skills. Ability to effectively interact with all levels of CNA's internal and external business partners.
• Ability to work independently.
• Strong analytical and problem-solving skills.
• Ability to exercise independent judgment and to make critical business decisions effectively.
• Knowledge of Microsoft Office Suite as well as other business-related software.
• Demonstrated leadership skills.

Education & Experience

• Bachelor's degree or equivalent experience. Professional designations preferred.
• Typically, eight years’ underwriting experience.

As determined by CNA and depending on the applicant’s experience and/or qualifications, candidates may be hired into one of three Underwriter positions: Underwriting Specialist, Underwriting Consultant or Underwriting Consulting Director. Typically, 3-10+ years of related experience.

CNA utilizes AI-enabled technology during the recruiting process. For more information, please visit our careers page.

CNA is committed to providing reasonable accommodations to qualified individuals with disabilities in the recruitment process. To request an accommodation, please contact [e-mail]