Commercial Underwriter I (Remote - Central Time Zone)

National General is a part of The Allstate Corporation, which means we have the same innovative drive that keeps us a step ahead of our customers’ evolving needs. We offer home, auto and accident and health insurance, as well as other specialty niche insurance products, through a large network of independent insurance agents, as well as directly to consumers. 

Job Description

The Commercial Underwriting opportunity will be responsible for evaluation of business placed in the Commercial product from an underwriting perspective to grow the Commercial Auto business profitably.  This position will evaluate exceptions and underwriting opportunities for non-fleet business and approve or decline submission. This position will have authority to evaluate risks and make underwriting decisions. Exposures outside of the authority for this position will be reviewed with Senior Underwriters or the Underwriting Manager prior to finalizing the decisions.

The selected incumbent will support the Commercial Auto product line.

Essential Duties and Responsibilities:

• Perform risk reviews and upfront underwriting reviews to determine risk acceptability (new business, renewals, endorsements, and reinstatements)

• Make decisions on risk acceptability

• Serve as point of contact for Customer Service and Backoffice teams

• Implements agreed upon underwriting procedures to achieve growth and profit objectives

• Involvement with underwriting of new business and renewals, including providing some input into product decisions and procedures

• Implement procedures and guidelines for Commercial Vehicle and make recommendations to Underwriting Manager for changes that will enhance our current book of business and automation of the Commercial Auto product

• Develop and analyze both internal and external data for assigned business segment(s) and line(s) of business in order to direct pricing, underwriting, and sales decisions. 

• Analyze the quality of assigned books of business through agent and profile reviews, audits, and ongoing communication with Product Managers and Sales.

• Help to determine actions needed for agent rehabilitation

• Serve as a contact for Commercial Vehicle agents.

Minimum Skills and Competencies:

• Bachelor’s Degree or in-lieu of degree equivalent education, training and work-related experience

• 1 year of commercial underwriting experience

• Ability to establish and maintain agency relationships, identify profitable opportunities, and able to assist in leveraging business opportunities for other divisions

• Professional phone etiquette and interpersonal skills

• Effective leadership and diplomacy skills

• Proficient in Microsoft Office (Word, Excel, Outlook, PowerPoint)

• Must possess effective verbal and written communication skills

• Negotiation and sales skills

• Strong attention to detail, organizational skills, and timeliness in order to meet customer service expectations

• Ability to work in a fast paced environment meeting aggressive business deadlines

• Ability and desire to learn and effectively use computer based underwriting systems to manage workflow

• Bachelor’s Degree in a Business related field

Preferred Qualifications:

• Candidates in Central Time zone preferred

• 2+ years insurance underwriting experience in Auto Commercial lines

• Willingness to pursue Insurance professional designations such as IIC, CPCU, AU, and/or ARM

• Thorough knowledge of the Policy Processing systems.

• Ability to effectively prioritize

• Multi-tasking abilities

• In-depth business knowledge

• Effective problem solving skills

• Ability to cultivate cross-functional relationships

Education & Experience (in lieu)

• In lieu of the above education requirements, an equivalent combination of education and experience may be considered.

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Compensation

Base compensation offered for this role is $50,700.00 - $78,570.00 annually and is based on experience and qualifications.

*** Total compensation for this role is comprised of several factors, including the base compensation outlined above, plus incentive pay (i.e. commission, bonus, etc.) as applicable for the role.

Joining our team isn’t just a job — it’s an opportunity. One that takes your skills and pushes them to the next level. One that encourages you to challenge