Underwriting Consulting Director, National Accounts Property, Shared & Layered

3M HEALTHCARE; Atlanta (GA); Hybrid; USD 110,000 - 150,000; Full time

Job summary

3M HEALTHCARE is seeking a National Accounts Property Underwriter to manage a highly complex book, perform underwriting analysis, and develop pricing strategies across the Atlanta, Charlotte, and Lake Mary markets in a hybrid work setup.

You will mentor less experienced underwriters, cultivate agency relationships, and present actionable insights to management while staying current on regulatory changes and industry trends.

Qualifications

• Bachelor's degree or equivalent experience.
• 7–10 years underwriting experience.
• Advanced knowledge of insurance principles and underwriting practices.
• Strong communication, negotiation, and presentation skills.
• Ability to manage multiple projects and work in ambiguity.

Responsibilities

• Underwrite highly complex risks and develop endorsement language.
• Determine pricing for complex risks with financial and competitive analysis.
• Market products through agencies and broker networks; conduct field visits.
• Mentor less experienced underwriters and provide training.
• Prepare and present reports to management; use CNA systems for daily tasks.

Skills

Underwriting expertise

Communication & negotiation

Analytical problem solving

Leadership skills

MS Office / business software

Industry knowledge

Education

Bachelor's degree or equivalent experience

Job description

Job Summary

When you join the National Accounts Property team, you are responsible for the overall management, business development, analysis and monitoring of a highly complex book of business. You will be recognized as a technical expert in underwriting shared and layered property policies for the National Accounts team. Under general management direction, you will work within broad limits of authority on assignments requiring a high degree of technical complexity and coordination. This hybrid role is located in either Atlanta, GA, Charlotte, NC or Lake Mary, FL, where you will have the ability to grow your market presence throughout your assigned region.

Essential Duties & Responsibilities

• Works on highly complex underwriting risks employing diagnostic and systematic analysis to assess acceptability.
• Develops specialized endorsement language for highly complex risk.
• Determines appropriate pricing of complex risks for assigned book of business based on financial and competitive analysis in line with compliance requirements and with little oversight needed from superiors.
• Makes recommendations on underwriting policy and pricing strategy.
• Analyzes quality, quantity, and profitability of highly complex risks underwritten; prepares and presents reports to management.
• Markets products and services through agencies or the brokerage community and makes field visits.
• Develops and maintains agency and/or broker relationships with large producers within the assigned territory to reach positive and profitable outcomes on complex, high‑risk business.
• Keeps current on state/territory issues and regulations, industry activity and trends. May participate in industry trade groups.
• Mentors and guides less experienced underwriters to assist in the development of underwriting training.
• Utilizes advanced functionality in relevant CNA systems to perform day‑to‑day activities.
• Responsible for special underwriting projects and presentations.
• Reporting relationship: Manager or above.

Skills, Knowledge and Abilities

1. Advanced technical expertise, underwriting skill and high level of knowledge of insurance and underwriting principles, practices and procedures.
2. Strong communication, negotiation and presentation skills. Ability to effectively interact with all levels of CNA's internal and external business partners.
3. Advanced analytical and problem‑solving skills, with the ability to manage and prioritize multiple projects.
4. Ability to deal with ambiguous situations and issues.
5. Creativity in resolving unique and challenging business problems.
6. Knowledge of Microsoft Office Suite and other business‑related software.
7. Demonstrated leadership skills.

Education and Experience

• Bachelor's degree or equivalent experience. Professional designations preferred.
• Typically, a minimum of 7–10 years underwriting experience.

Benefits

CNA offers a comprehensive and competitive benefits package to employees and their family members, supporting physical, financial, emotional and social well‑being. For a detailed look at CNA’s benefits, refer to the Candidate Guide.

Accommodations

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