Commercial Underwriter
At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together.
**This position can be performed remotely for candidates who reside in AL, GA, MS, TN, LA **
Essential Functions:
Maintains and grows a profitable book of business for assigned middle market territory adhering to underwriting authority. Evaluates accounts for risk selection and pricing purposes.
Analyzes exposure, company and region risk appetite, account premium and loss history, financial data, line(s) of business, price guidance, motor vehicle records, online sources of information, reports from Premium Audit or Loss Control and other relevant information to underwrite policies. Offers appropriate coverage, terms and conditions for exposures
Develops and fosters agency relationships. Educates agents on EMC products, underwriting appetite, systems, and services
Visits agencies to discuss accounts and provide agents with updates at EMC. Collaborates with marketing representatives to ensure agents receive excellent customer experiences, responsiveness, and select EMC as their insurer of choice.
Effectively communicates risk acceptance and/or rejection decisions to agents
Collaborates with experienced underwriters to continue to develop understanding of company and regional risk appetite. Consults experienced underwriters to ask questions and gain understanding in underwriting best practices
Participates in the agency planning and review processes with marketing and regional management. Monitors progress of assigned agents and guides agents in achieving annual goals.
Education & Experience:
Bachelor's degree, preferably in insurance or business administration, or equivalent relevant experience
One year of experience in commercial lines underwriting or related experience
Insurance designations, such as AINS, AU, CIC, or CPCU preferred
Candidates that exceed the minimum qualifications may be considered for a higher level position.
Knowledge, Skills & Abilities:
Strong analytical, decision-making, and negotiating skills
Strong problem-solving skills and the ability to make sound decisions
Strong customer service skills
Ability to work effectively with others, as well as independently
Ability to maintain high standards of professional competence
Strong computer skills, including knowledge of Microsoft Office and social media
Ability to work on multiple projects while meeting deadlines
Strong written and verbal communication skills
Occasional travel; a valid driver’s license with an acceptable motor vehicle report per company standards required if driving
The hiring salary range for this position will vary based on geographic location, falling within either of the following:
$60,813 - $84,038 or $67,200 - $92,395A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs.
For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers.
Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws.
All of our locations are tobacco free including in company vehicles.
Apply To This Job
**This position can be performed remotely for candidates who reside in AL, GA, MS, TN, LA **
Essential Functions:
Maintains and grows a profitable book of business for assigned middle market territory adhering to underwriting authority. Evaluates accounts for risk selection and pricing purposes.
Analyzes exposure, company and region risk appetite, account premium and loss history, financial data, line(s) of business, price guidance, motor vehicle records, online sources of information, reports from Premium Audit or Loss Control and other relevant information to underwrite policies. Offers appropriate coverage, terms and conditions for exposures
Develops and fosters agency relationships. Educates agents on EMC products, underwriting appetite, systems, and services
Visits agencies to discuss accounts and provide agents with updates at EMC. Collaborates with marketing representatives to ensure agents receive excellent customer experiences, responsiveness, and select EMC as their insurer of choice.
Effectively communicates risk acceptance and/or rejection decisions to agents
Collaborates with experienced underwriters to continue to develop understanding of company and regional risk appetite. Consults experienced underwriters to ask questions and gain understanding in underwriting best practices
Participates in the agency planning and review processes with marketing and regional management. Monitors progress of assigned agents and guides agents in achieving annual goals.
Education & Experience:
Bachelor's degree, preferably in insurance or business administration, or equivalent relevant experience
One year of experience in commercial lines underwriting or related experience
Insurance designations, such as AINS, AU, CIC, or CPCU preferred
Candidates that exceed the minimum qualifications may be considered for a higher level position.
Knowledge, Skills & Abilities:
Strong analytical, decision-making, and negotiating skills
Strong problem-solving skills and the ability to make sound decisions
Strong customer service skills
Ability to work effectively with others, as well as independently
Ability to maintain high standards of professional competence
Strong computer skills, including knowledge of Microsoft Office and social media
Ability to work on multiple projects while meeting deadlines
Strong written and verbal communication skills
Occasional travel; a valid driver’s license with an acceptable motor vehicle report per company standards required if driving
The hiring salary range for this position will vary based on geographic location, falling within either of the following:
$60,813 - $84,038 or $67,200 - $92,395A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs.
For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers.
Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws.
All of our locations are tobacco free including in company vehicles.
Apply To This Job