Underwriting Director/Manager, Commercial Habitational

This is a fully remote position, open to applicants in United States.

📋 Description

• Lead, manage, and develop a team of underwriters, encompassing hiring, coaching, performance management, and career advancement.

• Propel the development and expansion of Commercial Habitational programs with significant autonomy and decision-making power.

• Establish underwriting strategy, risk appetite, and pricing parameters for the commercial habitational portfolio.

• Take ownership of portfolio expansion, rate adequacy, and loss ratio performance.

• Underwrite and generate new and complex habitational accounts, including risk assessment, negotiation of terms and conditions, and account pricing.

• Provide referral and escalation authority for the broader underwriting team.

• Monitor market trends and competitive activities, translating insights into underwriting guidelines, product improvements, and market strategies.

• Cultivate and sustain senior-level relationships with brokers, agencies, and reinsurance partners.

• Act as MSI's primary contact for strategic accounts and drive new business development across the team's territory.

• Ensure that issued policies meet the requirements of carriers and reinsurers.

• Collaborate with Legal, Compliance, and Reinsurance on treaty terms, audits, and regulatory issues.

• Develop and enforce underwriting guidelines, authority levels, and quality control measures.

• Partner with senior leadership on business planning, budgeting, and goal-setting initiatives.

• Provide regular reports on production, profitability, and team performance in relation to strategic plans.

⛳️ Requirements

• Bachelor's degree, ideally in Business, Economics, Marketing, or Engineering, or equivalent professional experience.

• Over 10 years of experience in Commercial underwriting within an insurance carrier, MGA/program administrator, or agency/brokerage, with extensive experience in underwriting large or complex accounts.

• Significant experience in E&S commercial underwriting is essential; habitational experience is highly preferred.

• At least 5 years of experience in directly managing and developing underwriting personnel, with a proven ability to build high-performing teams and hold direct reports accountable for production and profitability objectives.

• Proven capability to define underwriting strategy and risk appetite, as well as to manage profit-and-loss outcomes for a book of business.

• Demonstrated urgency in problem-solving and the ability to meet broker and market service expectations.

• Above-average technical proficiency with a proven ability to navigate multiple systems, tools, and digital platforms effectively.

• Proficiency in MS Office (Excel, PowerPoint, Word, Outlook).

• Exceptional oral and written communication skills.

• Willingness to travel approximately 1-2 times per month to meet with agents, brokers, and reinsurance partners, and/or attend team meetings.

• Capability to thrive in a fast-paced environment and collaborate effectively with colleagues.

• Proven ability to work effectively in a remote setting, showcasing strong self-management and accountability.

• Willingness to travel up to 25% as required.

🏝️ Benefits

• Remote work arrangement.

• Travel opportunities to meet with agents, brokers, and reinsurance partners, and/or attend team meetings.