Senior Underwriter

1 month ago

St Louis, United States Berkshire Hathaway Homestate Companies Full time

The Senior Underwriter is responsible for expertly reviewing and evaluating new and renewal business in accordance with established Underwriting guidelines in order to achieve department goals. This individual demonstrates a high level of expertise in agency management, fostering valuable agency relationships with gold standard service.

ONSITE REQUIREMENT

This is a hybrid opportunity - Minimum requirement is three days per work week in our Clayton, MO office; Wednesday being a required all-hands Collaboration Day.

ESSENTIAL RESPONSIBILITIES

    • Expertly manages profitability by reviewing and analyzing profitability and actuarial reports. Coordinates with Loss Control and Claims to address any accounts performing adversely.
    • Reviews applications for insurance coverage successfully, ensuring applicable information is accurate and completes for pricing determination. Works with Underwriting Support Specialist team to gather appropriate information needed and reaches out to agency partners to request any additional information required.
    • Demonstrates understanding of deductible programs and loss sensitive plans to begin to quote the most complex coverages, premium levels and terms within given authority level.
    • Makes prompt, sound independent decisions on issues that arise in submissions based on the best information available within given authority.
    • Analyzes current and prospective policyholders to determine appropriate quotation, indication or declination of policy is provided. Ensures profitability and new business goals are met.
    • Demonstrates advanced ability to effectively negotiate premium costs and net rates.
    • Works with Underwriting Support Specialists to bind agreed upon policies. Prepares Loss Control requests for appropriate accounts.
    • Expertly communicates with external clientele and internal resource partners telephonically, via electronic correspondence and if appropriate, in the field, developing valuable agency relationships and client retention. Ensures deadlines are met and prompt responses are provided.
    • Expert in developing and strengthening agency relationships. Visits agencies and policy holders directly. Leads policyholder and broker sales calls. Participates in renewal quote presentations.
    • Assists with the training and development of more junior team members. Acts as a mentor.
    • Helps to identify and improve inefficiencies in Underwriting processes. Assists with development of Underwriting tools.
    • Ensures that work is performed in accordance with Company standards, training, managerial direction, and applicable laws.
QUALIFICATIONS
    • EDUCATION: Bachelors degree from an accredited college or university is required, preferably in Risk Management, Economics, Finance, or Business.
    • CERTIFICATIONS: Chartered Property Casualty Underwriter (CPCU) preferred.
    • EXPERIENCE: Minimum of five (5) years of Underwriting experience within workers compensation (carrier).
    • LANGUAGE ABILITY: Able to read, analyze, and interpret general business periodicals, professional journals, technical procedures and governmental regulations. Able to write detailed reports, business correspondence and procedure manuals. Able to effectively present information to management and public groups.
    • MATH ABILITY: Able to work with mathematical concepts such as probability and statistical inference. Able to apply concepts such as addition, subtraction, multiplication, division, fractions, percentages, ratios, and proportions to practical situations.
    • REASONING ABILITY: Able to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Able to deal with problems involving several concrete variables in standardized situations.
    • COMPUTER SKILLS:To perform this job successfully, the individual should be highly proficient on the Microsoft Office Suite and able to quickly master proprietary and vended software applications. Proficiency in Power BI preferred.

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