Senior Admitted Underwriter - Midwest

The MGA is privately held and led by a team of seasoned insurance professionals with decades of experience in underwriting, distribution, and operations. They focus on delivering tailored property insurance solutions to a diverse range of clients, including small businesses, mid-market commercial accounts, and residential portfolios.

Their underwriting philosophy is centered on disciplined risk selection, data-driven decision-making, and long-term broker partnerships. The company has invested heavily in technology and analytics to support underwriters with real-time insights and streamlined workflows. They offer a flexible work environment, a collaborative culture, and a strong commitment to professional development.

Role Overview

As a Senior Property Underwriter, you will be responsible for evaluating, selecting, and pricing property risks in accordance with company guidelines and market conditions. You will manage a book of business, work closely with brokers and internal teams, and contribute to the development of underwriting strategy and product innovation.

This role requires a high level of technical expertise, market awareness, and relationship management skills. You'll be expected to make sound underwriting decisions, negotiate terms effectively, and maintain profitability across your portfolio.

Key Responsibilities

• Risk Evaluation & Underwriting:
  Analyze property insurance submissions, assess risk quality, and determine appropriate pricing and coverage terms. Apply underwriting guidelines and judgment to ensure profitable growth.

• Broker Engagement:
  Build and maintain strong relationships with brokers and agents. Serve as a trusted advisor and resource, providing responsive service and creative solutions.

• Portfolio Management:
  Monitor the performance of your book of business, identify trends, and take corrective action as needed. Collaborate with actuarial and analytics teams to optimize results.

• Strategic Contribution:
  Participate in product development, underwriting strategy, and market expansion initiatives. Provide feedback on underwriting tools, systems, and processes.

• Mentorship & Leadership:
  Support junior underwriters through coaching, training, and technical guidance. Help foster a culture of continuous learning and excellence.

• Compliance & Documentation:
  Ensure all underwriting decisions and documentation meet regulatory and internal standards. Maintain accurate records and contribute to audit readiness.

Ideal Candidate Profile

We're looking for candidates who bring a combination of technical skill, business acumen, and interpersonal effectiveness. The ideal candidate will have:

• Experience:
  5-7+ years of property underwriting experience, preferably within an MGA, carrier, or Lloyd's syndicate environment. Experience with both commercial and residential property lines is a plus.

• Technical Knowledge:
  Strong understanding of property insurance products, risk assessment methodologies, rating tools, and coverage structures. Familiarity with catastrophe modeling and reinsurance is beneficial.

• Market Insight:
  Awareness of current market trends, competitive dynamics, and regulatory developments. Ability to adapt underwriting strategy to changing conditions.

• Communication Skills:
  Excellent written and verbal communication skills. Ability to explain complex underwriting decisions clearly and persuasively.

• Technology Proficiency:
  Comfortable using underwriting platforms, CRM systems, and data analytics tools. Experience with tools like RMS, AIR, or proprietary modeling systems is a plus.

• Professional Designations:
  CPCU, ARM, AU, or other relevant insurance designations are preferred but not required.