Specialist, Underwriting - Personal Lines

If you’re passionate about helping people protect what matters most to them, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide’s Property and Casualty team could be the place for you! At Nationwide®, “on your side” goes beyond just words. Our customers are at the center of everything we do and we’re looking for associates who are passionate about delivering extraordinary care.

Nationwide is expanding our Personal Lines Underwriting team, and we’re looking for experienced professionals to join us in delivering exceptional service to our members. If you bring deep industry knowledge and a sharp eye for risk, this role could be a great fit.

What We’re Looking For:

• Bachelor’s degree in business, finance, insurance, or a related field

• 6+ years of underwriting or insurance experience

• Progress toward a Chartered Property Casualty Underwriter (CPCU) designation or similar certification

• Strong understanding of underwriting, pricing, and insurance contracts

• Skilled in data analysis and tools like Excel

•  Clear communicator with agents and internal teams

•  Experience leading projects or working across teams

What You Bring:

• Strategic thinking and sound business judgment

• Relationship-building and negotiation skills

• Data-driven decision-making

• Motivation to deliver results and support team growth

What’s in it for you?

We welcome applications from remote candidates located within the United States. For those based near our Des Moines, IA or Columbus, OH hub locations, a flexible work arrangement that includes regular in-office presence (typically three days per week) is expected.

(Internal Use Only) Compensation Grade: F3

Job Description Summary

Success on our team requires a blend of customer service skill and analytical prowess. Each account we work on is interesting and challenging. Satisfaction comes from finding solutions that provide the best coverage and give our partner agents a way to differentiate themselves from the competition. If you are adaptable, responsive, love customers and really want to make a difference, we want to hear from you!

As a Specialist, you'll manage an assigned underwriting territory to identify business trends, ensure profitability and build agency relationships. Responsible for case and account underwriting (new and renewal policies) of profitable business within a complex and challenging territory, which may include private client and high value home accounts. We'll count on you to be the primary contact for portfolio profitability and growth management action plans and partnership with sales and claims and the portfolio underwriting efforts within assigned territory. We may also ask you to provide guidance and assistance to less experienced underwriters and other functional areas. You may also lead projects or research activities in support of business goals and support broader regional initiatives in partnership with product management.

Job Description

Key Responsibilities:

• Researches agency, district, and market data for assigned underwriting territory to identify business trends and opportunities for profitable growth. Obtains data/information from published sources, company data bases, and partnerships with sales, claims, agency or other contacts.

• Reviews and analyzes profitability measures through existing reports and through adhoc reports and queries to develop creative, intuitive and profitable business recommendations for agency, market, state and/or region. Develops written portfolio management reports/action plans for joint implementation with sales to drive profit and growth results or may support the portfolio management plans within assigned territory . Links knowledge of products, competitors, appropriate business mix, state statutes, rate structure, and underwriting guidelines to develop and/or support action plans in partnership with product management.

• Makes appropriate new business and renewal policy level underwriting decisions based on analysis, experience, and judgment in accepting, modifying or rejecting risks. Reviews and considers business loss experience, investigative reports, claims activity, file information and nature of risks, etc. in reaching sound decisions. Understands and adheres to filed rating plans.

• Makes account underwriting decisions based on agency history, policyholder's tenure, number of accounts, c