Underwriter - Personal Lines (Core team)

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.

Work Environment: The location of this position is flexible and open to virtual and/or remote based applicants. 

What you can Expect: The Personal Lines Underwriting Core team is growing and will evolve into teams of 10, covering different territories across the US. Associates will operate in a queue basis, where agency quotes will get divided up. A set group of underwriters will support certain agencies.

The ideal candidate will have:  

• Underwriting and/or processing experience is highly preferred.

• P&C underwriting experience is a plus.

• Critical Thinking – Analyze complex information and make sound judgments

• Customer Focus – Prioritize customer needs and build strong relationships

• Communication – Clearly convey decisions and collaborate across teams

• Decision Making – Confidently assess risk and determine appropriate actions

• Change Champion – Embrace and lead through change with a positive mindset

• Empowered Mindset – Take initiative and ownership in managing work and driving results

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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 an Underwriter you will accept, retain and classify moderate exposure new and renewal policies (case and account underwriting) based on granted authority. We'll count on you to manage an assigned underwriting territory to build agency relationships, identify business trends and help drive profitable growth for agencies. You will be key to provide input into portfolio underwriting on business and selection practices of agents within their territory and helps drive agency action plans. You will be counted on as a key partner with sales, claims, and other internal resources to drive profitable growth. You may also assist with transfer underwriting efforts.

Job Description

Key Responsibilities:

• Obtains agency, district, and market information from published sources, company data bases, and partnerships with sales, claims, agency and portfolio to perform underwriting analysis and identify business trends and opportunities for profitable growth

• Reviews individual risks for acceptability and handles those within authority based on company underwriting guidelines and standards. Uses critical thinking and understanding of the market and underwriting best practices to assess the total risk proposition and alternatives for acceptability. May analyze issues related to rules performance through automated systems. 

• Completes assigned underwriting transactions and tasks within established time and service standards. Strives to complete all transactions in a first time final mode.

• Makes decisions to accept, modify or decline personal lines business based on underwriting analysis, best practices and judgment. Determines the proper classification of risks to ensure the matching of price and product to the customer. 

• Plans completion of assignments to meet agreed upon timelines and service level agreements.

• Consults with agents and collaborates with internal partners regarding underwriting decisions. Uses underwriting curiosity to recommend additional products, coverages and discounts to ensure the agency and customer receive maximum value and adequate coverage. May consult regarding risk mitigation strategies.