Sr. 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. We have multiple openings available.

The ideal candidate will have:  

• Minimum 2-3 years of P&C underwriting experience is highly preferred.
• 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

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 Sr. 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 identify business trends, ensure profitability and build agency relationships. You'll be counted on to make decisions on larger more complex and unique assignments. You'll be key to provide input into and responsible for implementation of strategic recommendations for portfolio profitability and growth management action plans through partnership with product and sales in support of portfolio underwriting efforts for profitable growth within assigned territory or specialty. You may also provide guidance and assistance to less experienced underwriters and other functional areas. May lead projects or research activities in support of business goals.

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 and portfolio or other contacts. May research issues in support of unit objectives and participate on committees or special projects.

• 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. Meets overall timelines for project or team assignments.

• 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. Decisions at thi