Senior Commercial Underwriter

Emc Underwriting Position

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 expertsalways 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 Oregon, Idaho, Montana, or Washington.

Essential Functions :

• Selects, grows and maintains a profitable book of business for assigned high-volume territory with a high level of underwriting authority.
• Evaluates highly complex accounts, such as different business operations, multiple lines of business or special pricing requirements, for risk selection and pricing purposes.
• Analyzes exposure, company and branch 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 risk improvement and other relevant information to underwrite policies.
• Offers appropriate coverage for exposures.
• Maintains proper file documentation in connection with accounts.
• 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 in order to maximize opportunities.
• Communicates with agents proactively and anticipates agents and insureds' needs.
• Identifies opportunities and potential barriers within agency relationships.
• Collaborates with marketing representatives to ensure agents receive superior customer experiences and select EMC as their insurer of choice.
• Effectively explains decisions to accept or reject a risk to agents.
• Coordinates with marketing and branch management in the agency planning and review processes.
• Monitors progress of assigned agents and guides agents in achieving annual goals.
• Seeks feedback from agents and takes action to improve their experience and grow strong books of business.
• Researches industry changes, competition, target markets and new products, and recommends strategies to branch management.
• Serves as a mentor for less experienced underwriters.
• Answers questions, shares recommendations for complex situations, such as difficult accounts, communication strategies or problematic agency relationships and explains the rationale for recommendations.
• Supports underwriting management through reviewing work of less experienced underwriters and providing training.
• Serves as subject matter expert for the branch on less common product offerings and classes of business offered at the branch.
• Administers and assists with loss sensitive and other alternative rating plans as necessary.

Education & Experience :

Knowledge, Skills & Abilities :

The hiring salary range for this position will vary based on geographic location, falling within either of the following : $83,925 - $115,647 or $92,509 - $127,495. A 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.

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.