Underwriter jobs in Encinitas, CA - 28 jobs

Founded in 2000, Plaza Home Mortgage, Inc. is a privately owned, full-service national lender, offering Wholesale, Correspondent, Renovation and Reverse residential mortgages. Headquartered in San Diego, California, Plaza employs a network of sales associates to serve its clients nationwide. Plaza is dedicated to building quality, long-term relationships with its mortgage broker and correspondent clients by offering comprehensive programs and exceptional customer experience. The Non-QM Underwriter is responsible for evaluating and decisioning mortgage applications that fall outside traditional agency guidelines, with a focus on DSCR, Bank Statement, Asset Depletion, and self-employed borrower programs. This role requires advanced analysis of borrower capacity, collateral, and creditworthiness through review of supporting documentation such as credit reports, income and asset verification, bank statements, tax returns, appraisals, and fraud prevention tools. The Non-QM Underwriter applies sound credit judgment while ensuring compliance with company policies, investor requirements, and regulatory standards. This position plays a critical role in balancing risk management with service excellence for both internal and external partners. Responsibilities and Duties Ability to manually underwrite complex transactions to ensure the loan meets established underwriting guidelines. Compute income and debt ratio calculations following program guidelines and ability to repay requirements. Underwrite loan files in accordance with investor and company Non-QM guidelines, focusing on DSCR, Bank Statement, Asset Depletion, and other alternative documentation loan programs. Maintain current knowledge of Non-QM investor guidelines, overlays, and program updates. Perform mortgage credit analysis with or without the assistance of an automated underwriting system and ensure lending decisions follow company guidelines and policies.Perform detailed analysis and review of appraisal for one-to-four family residential properties to determine acceptability of security for loan programs offered by Plaza. Review loan documents for accuracy and consistency and address discrepancies as necessary. Issue loan decisions to our business partners in a clear and concise manner. Document decisions via loan origination platform and complete all final loan decision forms as required. Identify red flags, layered risk, or potential fraud indicators in loan documentation. Provide exceptional customer service to both our internal and external customers, including but not limited to answering loan specific questions on non-agency programs and reviewing program requirements within established SLAs. Maintain production goals & standards in accordance with established SLAs and production metrics. Other duties as assigned. Qualifications Recent manual underwriting experience in the mortgage industry. Proficient with self employed income calculations and guidelines Non-agency underwriting experience preferred Strong attention to detail Excellent problem-solving skills Strong interpersonal and communication skills a must Ability to work in a fast-paced environment High School Diploma or GED equivalent Minimum 4 years residential underwriting experience Minimum 2 years Non-QM specific underwriting experience Compensation and Benefits: Estimated Rate of Pay: $43.27 - $55.29 This position is full-time; non-exempt. The estimated range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons. Plaza offers a competitive benefits package; including medical/dental/vision, paid time off and holidays, 401(k), life and pet insurance. Plaza also offers additional benefits such as an employee friends and family loan and an employee assistance program that includes a variety of discounted services. Plaza is an EEOC employer and follows all federal, state, and local laws relating to fair employment. Plaza Home Mortgage, Inc. is committed to preventing, stopping and remedying all forms of discrimination that occur in its workplace. Managers are accountable for keeping Plaza's workplace free from discrimination and ensuring that Plaza provides equal employment opportunity for all in the workforce and for those seeking to become members of Plaza's workforce. Plaza's employees are protected by laws designed to protect employees from discrimination on the bases of race, religion, color, sex, pregnancy, gender identity, sexual orientation, parental status, national origin, age, disability, family medical history or genetic information, political affiliation, military service, or any other non-merit based factor. These protections extend to all management practices and decisions, including recruitment and hiring practices, appraisal systems, promotions, and training and career development programs. Plaza's employees are also protected against retaliation if they engage in a protected activity, whistleblowing, or the exercise of any appeal or grievance right provided by law. This information is provided by Plaza Home Mortgage, Inc. as a courtesy to its mortgage professional clients and the public and is meant for instructional purposes only. None of the information provided is intended to be legal advice in any context. Plaza does not guarantee, warrant, ensure or promise that information provided is accurate. Terms and conditions of programs and guidelines are subject to change at any time without notice. Any unauthorized use or distribution of this information is strictly prohibited. This is not a commitment to lend. 2024 Plaza Home Mortgage, Inc. Plaza Home Mortgage and the Plaza Home Mortgage logo are registered trademarks of Plaza Home Mortgage, Inc. All other trademarks are the property of their respective owners. All rights reserved. Plaza Home Mortgage, Inc. is an Equal Housing Lender. Plaza NMLS 2113 Please find our updated Privacy Policy at: ************************************************ Cigna's Transparency in Coverage link for Plaza's careers site. ************************************************************* Plaza NMLS 2113 ***********************************

Company Details Preferred Employers Insurance, A Berkley Company specializes in providing workers' compensation insurance to California business owners. The company serves three major client segments: Small Business Owners, Mid-Larger Businesses and Group Association Members (Programs). The company's distribution partners (agents & brokers) number 400+ locations throughout the state. Preferred serves 10,000 policyholders and provides medical claims handling and claims management for policyholders as needed to care for injured workers. The company is rated A+ Superior by industry-rating organization, AM Best & Company. The company is an equal opportunity employer. Responsibilities The Senior Production Underwriter is primarily responsible for: Risk Evaluation: Selection, retention, and pricing of new and existing business in accordance with the company's underwriting philosophy and guidelines. Broker Relationships: Pro-actively develops and fosters positive, professional relationships with the company's agency partners in an effort to promote the company's products and services. Premium Growth: Works closely with Field Sales Managers in plan management of brokers. (i.e., Generation of submissions, target quote and bind hit ratios, co-working agency business plans and incentives.) Underwriting Profit: Works closely with Field Sales Managers in the achievement of pricing targets and commission targets to meet company's profitability objectives. Key functions include but are not limited to: * Selects new business and evaluates renewal accounts in accordance with company underwriting philosophy, established authority parameters, as well as written/verbal procedures and guidelines. * Demonstrates a professional, courteous attitude with agents. Responds quickly and ethically to all requests/issues. Delivers on promises and promises only what can be delivered. * Provides accurate and thorough education to agents about the company's risk selection philosophy and pricing guidelines. * Monitors performance criteria, including premium and unit count goals, mix of business, written-to-quoted ratio, and declination ratio of assigned agencies and territory. * Achieves company growth objectives by consistently seeking sales opportunities, soliciting desirable business, and diligent follow-up on quoted business. * Regularly travels to agencies providing field underwriting and quoting as needed. * Reviews claims activity, loss control surveys, and inspection reports for existing policies, handling as required. * Works with other departments as necessary to resolve policy issues. * Determines the appropriate course of action for policy changes, delegating to assistant underwriters and/or processing assistants for handling. * Provides mentoring and training to other staff members. * The Senior Production Underwriter must be a team player, exhibit expertise and consistently exercise good judgment. Qualifications * BA/BS degree from an accredited institution, or equivalent * 5+ years of experience in California workers' compensation underwriting, or equivalent * Demonstrated ability to work in a fast paced, decision-oriented environment * Excellent communication, negotiation, and analytical skills * Strong organizational skills and ability to manage multiple tasks * Strong automation skills including MS Office products * Ability to work independently and in a collaborative team environment Additional Company Details We do not accept any unsolicited resumes from external recruiting agencies or firms. The company offers a competitive compensation plan and robust benefits package for full time regular employees which for this role include: • Base Salary Range: $80,000 - 135,000 annually • Benefits: Health, Dental, Vision, Life, Disability, Wellness, Paid Time Off, 401(k) and Profit-Sharing plans. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. Sponsorship Details Sponsorship not Offered for this Role Responsibilities The Senior Production Underwriter is primarily responsible for: - Risk Evaluation: Selection, retention, and pricing of new and existing business in accordance with the company's underwriting philosophy and guidelines. - Broker Relationships: Pro-actively develops and fosters positive, professional relationships with the company's agency partners in an effort to promote the company's products and services. - Premium Growth: Works closely with Field Sales Managers in plan management of brokers. (i.e., Generation of submissions, target quote and bind hit ratios, co-working agency business plans and incentives.) - Underwriting Profit: Works closely with Field Sales Managers in the achievement of pricing targets and commission targets to meet company's profitability objectives. Key functions include but are not limited to: - Selects new business and evaluates renewal accounts in accordance with company underwriting philosophy, established authority parameters, as well as written/verbal procedures and guidelines. - Demonstrates a professional, courteous attitude with agents. Responds quickly and ethically to all requests/issues. Delivers on promises and promises only what can be delivered. - Provides accurate and thorough education to agents about the company's risk selection philosophy and pricing guidelines. - Monitors performance criteria, including premium and unit count goals, mix of business, written-to-quoted ratio, and declination ratio of assigned agencies and territory. - Achieves company growth objectives by consistently seeking sales opportunities, soliciting desirable business, and diligent follow-up on quoted business. - Regularly travels to agencies providing field underwriting and quoting as needed. - Reviews claims activity, loss control surveys, and inspection reports for existing policies, handling as required. - Works with other departments as necessary to resolve policy issues. - Determines the appropriate course of action for policy changes, delegating to assistant underwriters and/or processing assistants for handling. - Provides mentoring and training to other staff members. - The Senior Production Underwriter must be a team player, exhibit expertise and consistently exercise good judgment.

DEPARTMENT: CREDIT ADMINISTRATION REPORTS TO: VP, TEAM LEAD - PORTFOLIO UNDERWRITING Endeavor Bank's diverse business clientele is centered in San Diego and across the greater Southern California market. The underwriting position supports the Bank's mission to deliver tailored lending solutions with a strong emphasis on credit quality, risk management, and responsiveness, all with a consultative approach. The Portfolio Underwriter is expected to apply sound judgment, demonstrate technical competency, maintain a commitment to accuracy, sound underwriting practices, regulatory compliance, and provide quality service standards in a dynamic, deadline-driven environment. Reporting to the Team Lead of the Portfolio Underwriting Group, this Portfolio Underwriter position places an emphasis on underwriting loan renewals, modifications, annual loan reviews, problem loan reports, financial reporting management, and covenant management. The underwriting position also includes supporting new loan underwriting as needed. Specific responsibilities are outlined in the sections below. DUTIES AND RESPONSIBILITIES: Loan Types This role involves underwriting a wide range of credit products offered by the Bank. These include Commercial and Industrial (C&I) loans such as lines of credit, equipment loans, working capital loans, business acquisitions, partner buyouts, and SBA 7(a). It also covers a variety of Commercial Real Estate (CRE) loans, including owner-occupied real estate, investment properties, and construction loans, consisting of commercial, retail, industrial, multifamily, and hospitality asset types. The Bank also utilizes SBA 504 loan structures, State and Federal guaranteed loan programs, and various other loans for commercial business purposes. Understanding of loan structures, repayment sources, collateral, industry/market detail, and regulatory guidelines is essential to underwrite each transaction effectively. Renewal and Modification Underwriting The Portfolio Underwriter is responsible for proactively managing maturing loans and ensuring timely renewal underwriting is completed well in advance of maturity dates. This includes requesting updated financials, spreading, performing current credit analysis, confirming covenant compliance, and assessing whether modifications to terms or conditions are warranted. The Underwriter must escalate any loans at risk of maturing without renewal approval at least 30 days in advance, and coordinate with the designated Team Lead or Credit Admin as needed. Routine reliance on short-term extensions is discouraged and considered underperformance. Portfolio Management The Portfolio Underwriter plays an active role in ongoing portfolio oversight for loans assigned to each respective Underwriter. This includes tracking and reviewing borrower financial reporting, conducting periodic covenant testing, and performing annual reviews. The Underwriter is responsible for initiating risk rating adjustments when warranted, flagging deteriorating conditions, and preparing quarterly problem loan reports for downgraded relationships. The Underwriter must monitor financial trends, debt levels, and borrower responsiveness throughout the life of each loan to ensure credit risk is appropriately managed. Financial Spreading The Underwriter is responsible for preparing detailed spreads of borrower and guarantor financial statements, tax returns, and related financial data. All spreads must be accurate, fully reconciled, and comply with Bank standards. Close attention and careful consideration must be given to the treatment of particular financial accounting practices to ensure adherence to Bank spreading guidelines to accurately present spreads and financial analysis. The Underwriter must validate the financial integrity of borrower entities, consolidate affiliated entities when appropriate, and analyze guarantor tax returns and personal financial statements. Spreading should support both historical performance evaluation and forward-looking projections. Financial Analysis & Risk Assessment Using the financial spreads and other relevant information, the Underwriter performs comprehensive credit and risk analyses. This includes evaluating liquidity, leverage, profitability, and debt service coverage ratios. Global cash flow analyses are performed for guarantor-backed credits or multi-entity borrowers. The Underwriter also examines business models, industry trends, customer concentrations, ownership structures, succession plans, and any known legal or reputational risks. Each analysis must be objective and well-documented, reflecting the Underwriter's independent judgment and consistent alignment with the Bank's credit policy and risk profile. New Loan Underwriting Support While the primary focus is on portfolio management, the Portfolio Underwriter will also support new loan underwriting as needed. This includes preparing Loan Approval Memorandums, collaborating with relationship managers and borrowers, and ensuring all documentation and due diligence is collected. The Underwriter is expected to meet internal timelines and maintain high standards of analysis and documentation. Asset-Based Lending and Collateral Review For loans involving borrowing base facilities or collateral-dependent repayment, the Underwriter enforces borrowing base compliance and collateral eligibility requirements. This includes validating advance rates, monitoring dilution trends, ensuring timely and accurate submission of borrowing base certificates, and following up on field audit results. The Underwriter must identify and resolve any over-advances, discrepancies, or material ineligibles promptly to maintain control over the facility. Collateral is reviewed for adequacy, enforceability, and valuation accuracy. Loan and Legal Documentation Once a loan is approved, the Underwriter works closely with loan documentation specialists and legal counsel to ensure the proper drafting and execution of all legal documents. This includes change in terms agreements, notices of default, forbearance agreements, and other applicable loan or legal agreements. The Underwriter must confirm that documents conform to the approved credit terms and applicable regulatory requirements. Credit Policy and Regulatory Compliance The Underwriter must maintain strict adherence to Endeavor Bank's Credit Policy and lending guidelines. All policy exceptions must be clearly documented and justified with appropriate mitigating factors. This position supports regulatory and internal credit reviews, including safety and soundness exams, credit file audits, BSA/AML evaluations, and compliance reviews. The Underwriter must ensure proper file documentation, timely response to reviewer inquiries, and implementation of remediation actions if issues are identified. Communication Strong communication is essential. Internally, the Underwriter must engage in frequent collaboration with Relationship Managers, Credit Administration, Loan Operations, and Executive Leadership. Externally, Underwriters will interface with borrowers, CPAs, appraisers, examiners, and attorneys to clarify documentation, confirm data, or resolve credit issues. The Underwriter is expected to communicate clearly and professionally in both written and verbal formats. Performance Metrics • Timeliness and quality of renewal and modification underwriting • Accuracy and completeness of financial spreads and credit analysis • Effectiveness of portfolio monitoring and covenant compliance • Responsiveness to problem loan identification and reporting • Support and turnaround time for new loan underwriting • File completeness and documentation compliance SUPERVISORY RESPONSIBILITIES: • This job has no supervisory responsibilities. QUALIFICATIONS: • 2-5 years of commercial loan underwriting experience in C&I and CRE lending • Proficiency in analyzing business financial statements and business tax returns, along with personal financial statements and personal tax returns • Experience with financial spreading tools and credit analysis software • Strong writing skills and ability to present complex credit topics clearly • Bachelor's degree in Finance, Accounting, Business, or related discipline • Formal credit training preferred • Familiarity with ncino, Salesforce, and Microsoft Office • Self-starter with ability to manage deadlines and prioritize tasks independently • High attention to detail and commitment to process integrity

Marketing Statement: Philadelphia Insurance Companies, a member of the Tokio Marine Group, designs, markets and underwrites commercial property/casualty and professional liability insurance products for select industries. We have been in operation since 1962 and are nationally recognized as a member of Ward's Top 50 and rated A++ by A.M.Best. We are looking for a Sr. Surety Underwriter to join our team in either our Walnut Creek, Pasadena, Mission Viejo or San Diego offices! Summary: Under limited direction and supervision, underwrites and markets assigned products by providing high levels of risk assessment and technical underwriting expertise to determine underwriting acceptability. May provide high level of financial analysis to determine credit quality. A typical day will include the following: * Participates in the producer management process which may include, but is not limited to, premium collections. * Prepares underwriting submissions, making recommendations and/or decisions within established authority limits. Minimum authority is $1,000,000 (Surety). * Prepares and participates in marketing activities within the region to promote the development of new business. * Gathers and analyzing information, applies appropriate underwriting techniques necessary to make an accurate evaluation of acceptability of risk. May evaluate credit quality. * Prepares and participates in proposals to producers and/or accounts negotiating terms and conditions. * May ensure credit quality of accounts managed while maintaining and updating underwriting files. Qualifications: Bachelor's Degree At least three years of contract surety underwriting experience preferably with a carrier. AFSB designation preferred. The ability to manage multiple priorities, generate new business and be detail oriented. EEO Statement: Tokio Marine Group of Companies (including, but not limited to the Philadelphia Insurance Companies, Tokio Marine America, Inc., TMNA Services, LLC, TM Claims Service, Inc. and First Insurance Company of Hawaii, Ltd.) is an Equal Opportunity Employer. In order to remain competitive we must attract, develop, motivate, and retain the most qualified employees regardless of age, color, race, religion, gender, disability, national or ethnic origin, family circumstances, life experiences, marital status, military status, sexual orientation and/or any other status protected by law. Benefits: We offer a comprehensive benefit package, which includes tuition reimbursement and a generous 401K match. Our rich history of outstanding results and growth allow us to focus our business plan on continued growth, new products, people development and internal career opportunities. If you enjoy working in a fast paced work environment with growth potential please apply online. Additional information on Volunteer Benefits, Paid Vacation, Medical Benefits, Educational Incentives, Family Friendly Benefits and Investment Incentives can be found at ***************************************** Share: mail Apply Now

At DUAL North America, our core values dictate how we live and work. We are a group with independence and people at its heart and we are a home for talent with a unique culture: the biggest small company in the world. The focus on being a People First business has always been at the very heart of the Group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the Group has been and will continue to be key. DUAL North America, Inc. is seeking a Sr. Underwriter, Flood Classification: Exempt/ Full-time • Reports to: Vice President, Flood • Travel: 10-25% • Salary: $125,000.00- 150,000.00 Location: United States, Hybrid, Remote Role overview: DUAL North America, Inc. is seeking a Sr., Underwriter to join the Flood team. The Sr, Underwriter is responsible for the day-to-day management of the renewal policies and new business for servicing retail and wholesale segments. Duties include reviewing and growing the group via submissions, rating, quoting, binding new and renewal business, servicing existing business. From the business side, the individual will be responsible for budgeting, potential carrier / reinsurer negotiations and maintaining the P&L. Our program operates under underwriting authority agreements with our carrier partners and the underwriter will be familiar with these documents and work within the confines of the agreement. The underwriter will work closely with referral underwriters to underwrite submissions on that fall outside of the authority agreements. Role responsibilities: • Direct and supervise underwriting activities as the need arises to produce positive profit and expense results within area of responsibility. • Develop positive relationships with brokers and effectively articulate DUAL's appetite. • Solicit, review, and coordinate new business opportunities with brokers • Underwrite both new and renewal business • Exhibit high levels of collaboration, leadership, customer service, and persistence • Provide strong analytical ability and sound judgment to make informed and accurate decisions New Business: • Analyze new submission submissions for acceptability. Review applications, loss runs, websites, models, etc. • Communicate declination or need for additional information to broker/agent. • Determine if accounts are a fit for our in-house authority or if referral is required. • Complete thorough, accurate, detailed underwriting notes to document the underwriting thought process • Submit clear, detailed referrals to carrier partners (when required). • Generate quote documents and send to broker/agent • Generate binder/invoice documents and send to broker/agent • Handle post-bind concerns and ongoing account questions and routine service • Create complete files Renewal business: • Review renewal accounts 90 days from effective to determine eligibility for renewal • Solicit renewal information from agent/broker • Determine if accounts are fit for our in-house authority or if referral is required. • Complete thorough, accurate, detailed underwriting notes to document the underwriting thought process • Quote renewal using in-house authority or refer if necessary • Produce Bind/invoice renewal documents • Handle post-bind concerns and ongoing account questions and routine service Key requirements: • Bachelor's degree required • 3-5 years' experience in property underwriting required, with knowledge of the peril of Flood. • Strong negotiation and presentation skills • Self-motivated individual • Outstanding marketing skills • Exceptional organizational and time management skills with the ability to perform accurate mathematical calculations. • Strong collaborative skills in a fast-paced team-centric environment. • Business development skills evidencing a successful track record driving profitable growth. • Strong interpersonal, presentation, written and verbal communication skills. • The ability to demonstrate critical thinking, decision making, and problem-solving skills. • The ability to travel a minimum of 25% of the time is anticipated. • Continuing education, professional designations, or related P&C licensing in insurance underwriting are preferred. • If you do not meet all the qualifications for this role, we still encourage you to apply, as we are always looking for diverse talent to join our growing team. About DUAL Working across 21 countries, DUAL has built a reputation as a specialist underwriting group and the market of choice for insurance intermediaries around the world. That's how we have become one of the world's largest international underwriting agencies (or MGAs) with US$3.5bn of GWP. DUAL North America is the leading underwriting organization in the US offering commercial property, casualty, financial lines, and personal property insurance products underwritten through several specialized subsidiaries. Since 2013, we have grown to over 650 employees in 14 offices across the US, and we are continuing to grow. DUAL is part of Howden, an international insurance group with employee ownership at its heart. The group was founded in 1994 and now has divisions in broking and underwriting, operates in 55 territories and employs over 19,000 people handling US$42bn of premium on behalf of clients. What do we offer in return? A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more. What you might not expect is a job where everyone has a voice, where volunteering in the community is part of the day job, and where everyone is encouraged to play a part towards our sustainability goals. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community. Our culture: people first Our core values dictate how we live and work. We're a group with independence and people at its heart and we're a home for talent with a unique culture: the biggest small company in the world. The focus on being a people-first business has always been at the very heart of the group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the group has been and will continue to be key. Diversity and inclusion At DUAL, we consider our people our chief competitive advantage and, as such, we treat colleagues, candidates, clients and business partners with equality, fairness and respect, regardless of their age, disability, race, religion or belief, gender, sexual orientation, marital status or family circumstances What we offer: A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more. We provide an environment where new ideas are encouraged and celebrated, where people who want to have a real hand in our success thrive. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community. EEO Statement: We consider our people our chief competitive advantage and as such we treat colleagues, candidates, clients, and business partners with equality, fairness, and respect. DUAL North America provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. DUAL will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.

At DUAL North America, our core values dictate how we live and work. We are a group with independence and people at its heart and we are a home for talent with a unique culture: the biggest small company in the world. The focus on being a People First business has always been at the very heart of the Group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the Group has been and will continue to be key. DUAL North America, Inc. is seeking a Sr. Underwriter, Flood Classification: Exempt/ Full-time * Reports to: Vice President, Flood * Travel: 10-25% * Salary: $125,000.00- 150,000.00 Location: United States, Hybrid, Remote Role overview: DUAL North America, Inc. is seeking a Sr., Underwriter to join the Flood team. The Sr, Underwriter is responsible for the day-to-day management of the renewal policies and new business for servicing retail and wholesale segments. Duties include reviewing and growing the group via submissions, rating, quoting, binding new and renewal business, servicing existing business. From the business side, the individual will be responsible for budgeting, potential carrier / reinsurer negotiations and maintaining the P&L. Our program operates under underwriting authority agreements with our carrier partners and the underwriter will be familiar with these documents and work within the confines of the agreement. The underwriter will work closely with referral underwriters to underwrite submissions on that fall outside of the authority agreements. Role responsibilities: * Direct and supervise underwriting activities as the need arises to produce positive profit and expense results within area of responsibility. * Develop positive relationships with brokers and effectively articulate DUAL's appetite. * Solicit, review, and coordinate new business opportunities with brokers * Underwrite both new and renewal business * Exhibit high levels of collaboration, leadership, customer service, and persistence * Provide strong analytical ability and sound judgment to make informed and accurate decisions New Business: * Analyze new submission submissions for acceptability. Review applications, loss runs, websites, models, etc. * Communicate declination or need for additional information to broker/agent. * Determine if accounts are a fit for our in-house authority or if referral is required. * Complete thorough, accurate, detailed underwriting notes to document the underwriting thought process * Submit clear, detailed referrals to carrier partners (when required). * Generate quote documents and send to broker/agent * Generate binder/invoice documents and send to broker/agent * Handle post-bind concerns and ongoing account questions and routine service * Create complete files Renewal business: * Review renewal accounts 90 days from effective to determine eligibility for renewal * Solicit renewal information from agent/broker * Determine if accounts are fit for our in-house authority or if referral is required. * Complete thorough, accurate, detailed underwriting notes to document the underwriting thought process * Quote renewal using in-house authority or refer if necessary * Produce Bind/invoice renewal documents * Handle post-bind concerns and ongoing account questions and routine service Key requirements: * Bachelor's degree required * 3-5 years' experience in property underwriting required, with knowledge of the peril of Flood. * Strong negotiation and presentation skills * Self-motivated individual * Outstanding marketing skills * Exceptional organizational and time management skills with the ability to perform accurate mathematical calculations. * Strong collaborative skills in a fast-paced team-centric environment. * Business development skills evidencing a successful track record driving profitable growth. * Strong interpersonal, presentation, written and verbal communication skills. * The ability to demonstrate critical thinking, decision making, and problem-solving skills. * The ability to travel a minimum of 25% of the time is anticipated. * Continuing education, professional designations, or related P&C licensing in insurance underwriting are preferred. * If you do not meet all the qualifications for this role, we still encourage you to apply, as we are always looking for diverse talent to join our growing team. About DUAL Working across 21 countries, DUAL has built a reputation as a specialist underwriting group and the market of choice for insurance intermediaries around the world. That's how we have become one of the world's largest international underwriting agencies (or MGAs) with US$3.5bn of GWP. DUAL North America is the leading underwriting organization in the US offering commercial property, casualty, financial lines, and personal property insurance products underwritten through several specialized subsidiaries. Since 2013, we have grown to over 650 employees in 14 offices across the US, and we are continuing to grow. DUAL is part of Howden, an international insurance group with employee ownership at its heart. The group was founded in 1994 and now has divisions in broking and underwriting, operates in 55 territories and employs over 19,000 people handling US$42bn of premium on behalf of clients. What do we offer in return? A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more. What you might not expect is a job where everyone has a voice, where volunteering in the community is part of the day job, and where everyone is encouraged to play a part towards our sustainability goals. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community. Our culture: people first Our core values dictate how we live and work. We're a group with independence and people at its heart and we're a home for talent with a unique culture: the biggest small company in the world. The focus on being a people-first business has always been at the very heart of the group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the group has been and will continue to be key. Diversity and inclusion At DUAL, we consider our people our chief competitive advantage and, as such, we treat colleagues, candidates, clients and business partners with equality, fairness and respect, regardless of their age, disability, race, religion or belief, gender, sexual orientation, marital status or family circumstances What we offer: A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more. We provide an environment where new ideas are encouraged and celebrated, where people who want to have a real hand in our success thrive. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community. EEO Statement: We consider our people our chief competitive advantage and as such we treat colleagues, candidates, clients, and business partners with equality, fairness, and respect. DUAL North America provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. DUAL will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.

At DUAL North America, our core values dictate how we live and work. We are a group with independence and people at its heart and we are a home for talent with a unique culture: the biggest small company in the world. The focus on being a People First business has always been at the very heart of the Group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the Group has been and will continue to be key. DUAL North America, Inc. is seeking a Sr. Underwriter, Flood Classification: Exempt/ Full-time • Reports to: Vice President, Flood • Travel: 10-25% • Salary: $125,000.00- 150,000.00 Location: United States, Hybrid, Remote Role overview: DUAL North America, Inc. is seeking a Sr., Underwriter to join the Flood team. The Sr, Underwriter is responsible for the day-to-day management of the renewal policies and new business for servicing retail and wholesale segments. Duties include reviewing and growing the group via submissions, rating, quoting, binding new and renewal business, servicing existing business. From the business side, the individual will be responsible for budgeting, potential carrier / reinsurer negotiations and maintaining the P&L. Our program operates under underwriting authority agreements with our carrier partners and the underwriter will be familiar with these documents and work within the confines of the agreement. The underwriter will work closely with referral underwriters to underwrite submissions on that fall outside of the authority agreements. Role responsibilities: • Direct and supervise underwriting activities as the need arises to produce positive profit and expense results within area of responsibility. • Develop positive relationships with brokers and effectively articulate DUAL's appetite. • Solicit, review, and coordinate new business opportunities with brokers • Underwrite both new and renewal business • Exhibit high levels of collaboration, leadership, customer service, and persistence • Provide strong analytical ability and sound judgment to make informed and accurate decisions New Business: • Analyze new submission submissions for acceptability. Review applications, loss runs, websites, models, etc. • Communicate declination or need for additional information to broker/agent. • Determine if accounts are a fit for our in-house authority or if referral is required. • Complete thorough, accurate, detailed underwriting notes to document the underwriting thought process • Submit clear, detailed referrals to carrier partners (when required). • Generate quote documents and send to broker/agent • Generate binder/invoice documents and send to broker/agent • Handle post-bind concerns and ongoing account questions and routine service • Create complete files Renewal business: • Review renewal accounts 90 days from effective to determine eligibility for renewal • Solicit renewal information from agent/broker • Determine if accounts are fit for our in-house authority or if referral is required. • Complete thorough, accurate, detailed underwriting notes to document the underwriting thought process • Quote renewal using in-house authority or refer if necessary • Produce Bind/invoice renewal documents • Handle post-bind concerns and ongoing account questions and routine service Key requirements: • Bachelor's degree required • 3-5 years' experience in property underwriting required, with knowledge of the peril of Flood. • Strong negotiation and presentation skills • Self-motivated individual • Outstanding marketing skills • Exceptional organizational and time management skills with the ability to perform accurate mathematical calculations. • Strong collaborative skills in a fast-paced team-centric environment. • Business development skills evidencing a successful track record driving profitable growth. • Strong interpersonal, presentation, written and verbal communication skills. • The ability to demonstrate critical thinking, decision making, and problem-solving skills. • The ability to travel a minimum of 25% of the time is anticipated. • Continuing education, professional designations, or related P&C licensing in insurance underwriting are preferred. • If you do not meet all the qualifications for this role, we still encourage you to apply, as we are always looking for diverse talent to join our growing team. About DUAL Working across 21 countries, DUAL has built a reputation as a specialist underwriting group and the market of choice for insurance intermediaries around the world. That's how we have become one of the world's largest international underwriting agencies (or MGAs) with US$3.5bn of GWP. DUAL North America is the leading underwriting organization in the US offering commercial property, casualty, financial lines, and personal property insurance products underwritten through several specialized subsidiaries. Since 2013, we have grown to over 650 employees in 14 offices across the US, and we are continuing to grow. DUAL is part of Howden, an international insurance group with employee ownership at its heart. The group was founded in 1994 and now has divisions in broking and underwriting, operates in 55 territories and employs over 19,000 people handling US$42bn of premium on behalf of clients. What do we offer in return? A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more. What you might not expect is a job where everyone has a voice, where volunteering in the community is part of the day job, and where everyone is encouraged to play a part towards our sustainability goals. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community. Our culture: people first Our core values dictate how we live and work. We're a group with independence and people at its heart and we're a home for talent with a unique culture: the biggest small company in the world. The focus on being a people-first business has always been at the very heart of the group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the group has been and will continue to be key. Diversity and inclusion At DUAL, we consider our people our chief competitive advantage and, as such, we treat colleagues, candidates, clients and business partners with equality, fairness and respect, regardless of their age, disability, race, religion or belief, gender, sexual orientation, marital status or family circumstances What we offer: A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more. We provide an environment where new ideas are encouraged and celebrated, where people who want to have a real hand in our success thrive. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community. EEO Statement: We consider our people our chief competitive advantage and as such we treat colleagues, candidates, clients, and business partners with equality, fairness, and respect. DUAL North America provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. DUAL will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.

Here we grow again!! We are seeking a detail-oriented DE/SAR/LAPP Mortgage Underwriter Manager to join our team. The ideal candidate will be responsible for evaluating and determining the creditworthiness of VA, FHA, Conventional, and USDA mortgage loan applications. Join our team of professionals dedicated to providing quality mortgage services. Apply now to be part of a dynamic and rewarding work environment! Job requirements ** must have current DE/SAR/LAPP** **no external recruiters may submit candidates** Duties: Assess Risk: Determine a borrower's ability to repay by analyzing credit history, debt-to-income, and loan-to-value ratios. Ensure Compliance: Verify loans meet specific FHA, VA, USDA, and lender guidelines, applying program rules consistently. Maintain compliance with company policies and regulatory requirements. Make Decisions: Approve, deny, or counteroffer loans, and sign off on conditions before funding. Support Teams: Act as a resource for loan officers and processors, resolving complex issues and ensuring deadlines are met. Maintain Knowledge: Stay updated on changing government lending policies and investor overlays. Qualifications: Expertise: Deep understanding of FHA, VA, and USDA loan guidelines (e.g., HUD Handbook). Analytical Skills: Strong ability to analyze financial data and assess risk. Attention to Detail: Meticulous review of complex documentation. Communication: Clear communication with production teams and leadership. Certifications: DE / SAR / LAPP Experience: 5+ years of experience in mortgage underwriting. This position offers a competitive salary commensurate with experience. Job Type: Full-time Pay: $80,000.00 - $100,000.00 per year Benefits: 401(k) Dental insurance Health insurance Life insurance Paid time off Vision insurance Griffin Funding, provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, Griffin Funding, complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. NMLS #1120111 VA Approved Lender ID: **********FHA Non-Supervised Lender No.: 01472-0000-3 All done! Your application has been successfully submitted! Other jobs

WE'RE LOOKING FOR A SENIOR UNDERWRITER!The Senior Underwriter is responsible for expertly reviewing and evaluating new and renewal business in accordance with established Underwriting guidelines in order to achieve department goals. This individual demonstrates a high level of expertise in agency management, fostering valuable agency relationships with gold standard service. ONSITE REQUIREMENT This is a hybrid opportunity, requiring initial onsite training and, upon successful completion of same, a minimum requirement of three days per work week in our San Diego, CA office. TEAMWORK RESPONSIBILITIESRelies primarily on instruction, pre-established guidelines, and judgment to perform the functions of the job and accomplish goals. Performs a variety of tasks directly under the supervision of designated team members as well as autonomously, with proficiency. Works under direct supervision. Possesses strong verbal and written communication skills with internal and external customers and collaboration with peers in an effort to provide the highest level of service. Executes responsibilities professionally and in accordance with the Company's policies and applicable laws.RESPONSIBILITIES Expertly manages profitability by reviewing and analyzing profitability and actuarial reports. Coordinates with Loss Control and Claims to address any accounts performing adversely. Reviews applications for insurance coverage successfully, ensuring applicable information is accurate and completes for pricing determination. Works with Underwriting Support Specialist team to gather appropriate information needed and reaches out to agency partners to request any additional information required. Demonstrates understanding of deductible programs and loss sensitive plans to begin to quote the most complex coverages, premium levels and terms within given authority level. Makes prompt, sound independent decisions on issues that arise in submissions based on the best information available within given authority. Analyzes current and prospective policyholders to determine appropriate quotation, indication or declination of policy is provided. Ensures profitability and new business goals are met. Demonstrates advanced ability to effectively negotiate premium costs and net rates. Works with Underwriting Support Specialists to bind agreed upon policies. Prepares Loss Control requests for appropriate accounts. Expertly communicates with external clientele and internal resource partners telephonically, via electronic correspondence and if appropriate, in the field, developing valuable agency relationships and client retention. Ensures deadlines are met and prompt responses are provided. Expert in developing and strengthening agency relationships. Visits agencies and policy holders directly. Leads policyholder and broker sales calls. Participates in renewal quote presentations. Assists with the training and development of more junior team members. Acts as a mentor. Helps to identify and improve inefficiencies in Underwriting processes. Assists with development of Underwriting tools. Ensures that work is performed in accordance with Company standards, training, managerial direction, and applicable laws. WHAT WILL SET YOU APART EDUCATION: Bachelors degree from an accredited college or university is required, preferably in Risk Management, Economics, Finance, or Business. CERTIFICATIONS: Chartered Property Casualty Underwriter (CPCU) preferred. EXPERIENCE: Minimum of five (5) years of Underwriting experience within workers compensation (carrier). LANGUAGE ABILITY: Able to read, analyze, and interpret general business periodicals, professional journals, technical procedures and governmental regulations. Able to write detailed reports, business correspondence and procedure manuals. Able to effectively present information to management and public groups. MATH ABILITY: Able to work with mathematical concepts such as probability and statistical inference. Able to apply concepts such as addition, subtraction, multiplication, division, fractions, percentages, ratios, and proportions to practical situations. REASONING ABILITY: Able to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Able to deal with problems involving several concrete variables in standardized situations. COMPUTER SKILLS: To perform this job successfully, the individual should be highly proficient on the Microsoft Office Suite and able to quickly master proprietary and vended software applications. Proficiency in Power BI preferred. COMPANY BENEFITS Unparalleled financial strength and stability Fantastic growth and advancement opportunities WFH Hybrid schedule Free gym in building Generous Paid Time Off and Holidays Excellent Benefits (Medical, Dental, Vision, 401k, etc) Health and Wellness Reimbursement Tuition Assistance Reimbursement Discounts across companies such as GEICO, See's Candies, etc. ABOUT USWith more than 50 years in business, BHHC has grown from a regional organization to a national insurance group, offering insurance products from coast to coast. Relationships are the cornerstone of our culture, and we believe in doing the right thing. That means we invest in our business in every way possible to deliver on our mission and demonstrate that people are what powers our success. Our commitment to financial strength and integrity means our customers can rest assured that we will be there when it counts. At BHHC we embrace diversity and foster an environment where our people can be their authentic selves. Our differences make us stronger and better together, which fosters a harmonious workplace-something we truly value. We've created an approachable and collaborative atmosphere. Here you'll find a welcoming workplace where everyone can feel valued, supported, and inspired to do great work. Together, we raise the bar by being curious, remaining customer-focused, and operating with integrity.

Make a difference with a career in insurance At The Cincinnati Insurance Companies, we put people first and apply the Golden Rule to our daily operations. To put this into action, we're looking for extraordinary people to join our talented team. Our service-oriented, ethical, knowledgeable, caring associates are the heart of our vision to be the best company serving independent agents. We help protect families and businesses as they work to prevent or recover from a loss. Share your talents to help us reach for continued success as we bring value to the communities we serve and demonstrate that Actions Speak Louder in Person. If you're ready to build productive relationships, collaborate within a diverse team, embrace challenges and develop your skills, then Cincinnati may be the place for you. We offer career opportunities where you can contribute and grow. Build your future with us Our Cincinnati Specialty Underwriters Insurance Company has an immediate opening for an experienced excess and surplus lines underwriter in San Diego, California. The candidate is required to reside within this territory or in proximity to our Fairfield, OH Headquarters. The pay range for this position is $75,000 - $154,000 annually. The pay determination is based on the applicant's education, experience, location, knowledge, skills and abilities. Eligible associates may also receive an annual cash bonus and stock incentives based on company and individual performance. Be ready to: * working in partnership with producers and an assigned underwriting assistant to solicit, underwrite and price new and renewal surplus lines commercial property and casualty business * determine individual risk acceptability, pricing, coverage, terms and conditions * develop, analyze and evaluate information and exposures for complex risks * achieve production and loss ratio goals within assigned regional territory * work independently with a high level of authority and judgment * determine need for and secure appropriate reinsurance on individual accounts * mentor and train underwriters and underwriting assistants * develop successful business relationships with producers and reinsurers * research new products and coverage forms * travel within assigned territory which may include some overnight stays Be equipped with: * property and casualty underwriting experience * proficient use of Microsoft Word, Excel and Outlook * strong interpersonal skills * organizational and time management skills * strong decision-making, analytical, and negotiating abilities * desire to build relationships and listen effectively * ability to develop positive working relationships with team members and agents by working to find possible solutions that are beneficial to all * skilled use of verbal communication to explain, negotiate and present information and an understanding of when to use verbal or written * a valid driver's license. Final candidates will also be subject to a Motor Vehicle Record background check, because the position may include a company vehicle Bring education or experience from: * bachelor's degree or extensive relevant excess and surplus lines underwriting experience * 5 years of experience working with commercial lines property and casualty products is required * prior excess and surplus casualty underwriting experience with a carrier, broker, or MGA is preferred * ASLI or CPCU designations preferred * candidates with a carrier background will be given preference; complete training is provided in Cincinnati, OH, prior to deployment to regional territory Enhance your talents Providing outstanding service and developing strong relationships with our independent agents are hallmarks of our company. Whether you have experience from another carrier or you're new to the insurance industry, we promote a lifelong learning approach. Cincinnati provides you with the tools and training to be successful and to become a trusted, respected insurance professional - all while enjoying a meaningful career. Enjoy benefits and amenities Your commitment to providing strong service, sharing best practices and creating solutions that impact lives is appreciated. To increase the well-being and satisfaction of our associates, we offer a variety of benefits and amenities. Embrace a diverse team As a relationship-based organization, we welcome and value a diverse workforce. We grant equal employment opportunity to all qualified persons without regard to race; creed; color; sex, including sexual orientation, gender identity and transgender status; religion; national origin; age; disability; military service; veteran status; pregnancy; AIDS/HIV or genetic information; or any other basis prohibited by law. All job applicants have rights under Federal Employment Laws. Please review this information to learn more about those rights.

About TMHCC Tokio Marine HCC (TMHCC) brings 50 years of service to the specialty insurance industry, today offering over 100 products to commercial customers in 180 countries around the world. Every policy we write is special, enabling our clients to do amazing things. From insuring the crops that feed us to the rock concerts that entertain us, to rescuing international travelers in trouble. Organic growth and over 60 successful acquisitions have grown our 2023 Gross Written Premium (GWP) to over $7.5 Billion. Our workforce has grown to 4,300 worldwide … big, but not so big that you cannot make a difference. Our Good Company values, including integrity, empowerment, and commitment to customer service, and a culture of innovation, communication, and collaboration make TMHCC a great place to work. What We Offer * Competitive salary and employee benefit package * Strong learning culture * Growth perspectives * 6% 401K match * 20 days of PTO and 2 Floating Days * Paid parental leave * An opportunity to love what you do Job Summary Under general supervision, performs underwriting analyses. Key Responsibilities Relying on experience and judgment, this role is responsible for accomplishing the following assignments. These assignments are varied in nature. * Assist in meeting annual department goals for profitability, renewal retention, new business growth and rate increase. * Evaluate risks for acceptability within established underwriting guidelines. * Clearly and effectively communicate decisions with producers and effectively respond to any ensuing inquiries. * Build and maintain productive relationships with clients, producers, co-workers and any outside vendors. * Respond to submissions and servicing items within agreed upon company time frames. * Act within scope of authority and consistent with company and corporate objectives, guidelines, policies and practices. * Ensure that effective communications are maintained within area of responsibility. * Communicate and provide instruction and information to Administrative Supervisor and/or Underwriting Assistants, as required, for issuing policies and endorsements. * Pursue educational classes such as Chartered Property & Casualty Underwriter (CPCU) and/or Registered Professional Liability Underwriter (RPLU), as agreed upon with management. * Additional duties and special assignments, as requested by manager. Competencies Planning * Develop work plans, establish timelines, and set goals for assigned work. * Meet commitments on deadlines. Communication * Review activities, results, and recommendations with management and clients as appropriate. Cost Management * Drive improvement in existing business processes. * Perform work thoroughly in a cost-efficient manner and at a high productivity level. Business Controls and Policies * Comply with all corporate policies and procedures. * Report any breakdown in controls to management. * Conduct all activities in a safe manner. People Management * No people management responsibility but may provide guidance to less experienced employees Education Min/Preferred Education 4 Year / Bachelors Degree Business Administration, Accounting, Finance, a related field, or the equivalent education and/or experience Certifications, Licenses, and Designations Required: Studies toward attaining a Registered Professional Liability Underwriter (RPLU), Chartered Property Casualty Underwriter (CPCU), Associate in Commercial Underwriting (AU), Certified Insurance Counselor (CIC) or equivalent insurance designation depending on specialty area Preferred: state-specific insurance license depending on specialty area Other * Result- and profit-oriented with the ability to balance other business considerations * Knowledge of forms, procedures and insurance terminology * Strong math skills * Excellent interpersonal skills * Team- and deadline-oriented environment * Strong analytical, strong reasoning abilities and strong negotiation abilities * Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures and/or government insurance regulations * Possess and have ability to apply broad knowledge of principles, practices, and procedures * Excellent written and verbal communications skills with an emphasis on confidentiality, tact, and diplomacy * Exceptional organizational and analytical skills; demonstrated ability to manage multiple tasks simultaneously * Knowledgeable of industry changes, legal updates, and technical developments related to applicable area of the Company's business to proactively respond to changing business environment * Intermediate proficiency and experience using Microsoft Office package (Excel, Access, PowerPoint, Word)

Job DescriptionDescription: About Private Client Select Insurance Services, LLC (PCS): PCS is one of the largest high net worth managing general underwriters in the market today. With a sole focus on families with $5m or more in assets, PCS provides complex insurance policies for individuals with complex needs. Private Client Select offers property and casualty personal insurance solutions and risk management services that meet the unique and complex needs of High-Net-Worth clients. We understand their passions and are committed to preserving the life that they have built. PCS employs approximately four hundred staff members. The company has offices in New York, NY, St. Petersburg, FL, and Schaumburg, IL. PCS has a geographically diverse workforce and supports hybrid and remote business-based flexibility. Role Overview: We are seeking an experienced and motivated Underwriting Specialist to join our team. This role offers an exciting opportunity to underwrite large and complex personal lines risks across a national footprint. It is ideal for underwriting professionals who thrive in high-stakes environments and are energized by impactful underwriting challenges. The Underwriting Specialist will serve as the primary point of contact for a dedicated book of business, including both new and renewal accounts. In this strategically important role, you will collaborate closely with internal teams and broker partners to deliver exceptional underwriting outcomes. Job Responsibilities: Market and underwrite a book of large and complex personal lines risks. Build and maintain strong working relationships with internal and external business partners. Meet renewal retention goals through strong negotiation and communication skills, including occasional in-person meetings with brokers, clients, and centers of influence. Identify new business and cross-sell opportunities by cultivating relationships with producers and account managers. Document underwriting files in accordance with authority statements and guidelines. Participate in annual audits for specific product lines. Utilize advanced underwriting and producer management tools to meet profitability targets. Make independent sales calls to grow and support your book of business. Recommend updates to underwriting guidelines and workflows. Contribute to marketing and underwriting projects that enhance company performance. Occasional travel as necessary for business needs. What You Bring: Minimum of 5 years of experience in Personal Lines Property & Casualty Insurance. Bachelor's degree or equivalent work experience. Familiarity with underwriting concepts, practices, and procedures. Strong analytical, quantitative, and communication skills. Ability to work independently and manage a personal book of business. Positive attitude, strong interpersonal skills, and self-motivation. Proficiency in Microsoft Excel. Property and Casualty (P&C) and Excess and Surplus (E&S) lines licenses are required. If not currently licensed, licenses are expected to be obtained promptly upon hiring; PCS will provide support as needed. Equal Employment Opportunity Policy: PCS values and is fully committed to diversity and inclusion. It is the policy of PCS not to discriminate against any applicant for employment, or any employee because of age, color, sex, disability, nation of origin, race, religion, sexual orientation, gender identity, or veteran status Requirements:

As a Consumer Loan Underwriter you are responsible for building a quality loan portfolio by examining, evaluating, decision making or recommending a decision on consumer loan applications Frontwave Credit Union is a member-owned not-for-profit financial institution serving San Diego, Riverside, San Bernardino and Imperial counties. Founded in 1952, we have grown to 18 branches with 125,000 members and manage over 1.8 billion in assets. At Frontwave Credit Union, we are focused on creating consumer solutions to provide our members and the communities we serve with products and services that enhance the quality of life for our members through exceptional service and the progressive application of technology. What's In It For You: Competitive pay, 401k matching, mortgage and auto discounts. 9-27 days of PTO per year (based on tenure) and 10 paid holidays. Affordable medical, dental, vision health plans, and Flexible Spending Account. Employee Assistance Program with a variety of services. Career development, training, and coaching, mentoring; tuition reimbursement up to $4,000/year. Culture of excellence and continuous improvement. We strive to be the best place you've ever worked! Responsibilities Essential Duties and Responsibilities: Includes the following non-inclusive list. Other duties may be assigned. All duties are to be performed in compliance with applicable laws, regulations, and Credit Union policies and procedures. Assumes responsibility for effectively evaluating loan-related requests. Direct Lending Obtain and maintain loan authority of up to $65000. Reviews loan application and evaluates credit criteria to determine level of risk. Requests additional information as necessary to decision. Evaluate quality of collateral as compared with request. Effectively decisions loan based on qualifications and risk to member and credit union. Assist internal members over the phone with underwriting/policy/procedure inquiries Review unsecured revolving LOC and Visa accounts on a periodic basis to determine action Ensures that loan requests are properly documented. Indirect Lending Obtain and maintain loan authority of up to $65000. Reviews loan application and evaluates credit criteria to determine level of risk. Requests additional information as necessary to decision. Evaluate quality of collateral as compared with request. Effectively decisions loan based on contract requirements, qualifications and risk to member and credit union. Perform Dealer visits to build relationships and generate business Make outbound calls to dealer customers to generate indirect business Educate and Assist external dealer customers over the phone with underwriting/policy/procedure inquiries. Establishing and maintaining effective coordination and communication with management and credit union staff. Assists department Participates in various credit union sponsored car sales and other events outside of the department Effectively supports department and organizational goals and initiatives Keeps Management informed of activities and of any significant problems with regards to lending function. Completes reports, records promptly and accurately Assist in documenting and tracking multiple variables to determine and monitor trends Qualifications Education and/or Experience: High School Diploma or general education degree (GED). One year lending experience in a credit union or similar financial institution. Basic knowledge of consumer lending principles Salary Range: $27.36 - $41.03 Service Excellence Standards When joining Frontwave Credit Union, you can expect to be a part of a workforce committed to the following Service Excellence standards: • We see it. We own it. We get it done. • We ignite positive experiences. • We do things right every time. • We are collaborators - united, cohesive and engaged • We innovate and evolve. • We create memorable experiences for life. • We starts with me.

Chubb is seeking a motivated Individual to join the Life Sciences practice for the Pacific South Region. The position can be based in Los Angeles (downtown), Irvine, or San Diego. The ideal candidate is someone who's an excited learner, strong self-starter, and willing to teach and collaborate with the team. This is an exciting opportunity to play a vital role in managing a book of commercial middle market business and make a significant impact on our success. Responsibilities: Underwrite and Thrive: Profitably underwrite new lines and renewals. Renewal book of $5M to $8, and a new business production goal of $1.5M+ annually. Drive Financial Performance: Maximize profit, growth, rate optimization, retention, and cross-sell opportunities for Life Science accounts. Be the Expert: Solicit accounts, analyze risks, price coverage, and sell industry-specific products and services to new and existing customers. Navigate Multiple Lines: Manage commercial package, product liability, automobile, umbrella, workers compensation, and international lines. Skills and Competencies: Master the Craft: Demonstrate advanced knowledge of commercial underwriting with a keen ability to analyze risks, strategize underwriting approaches, prioritize data gathering, and communicate your well-thought-out plans effectively. Technical Expertise: Showcase your proficiency in handling Life Science business, backed by solid analytical skills and financial analysis capabilities. Relationship Wizard: Leverage your outstanding interpersonal, negotiation, and communication skills to interact effectively at all levels - both internally and externally. Your ability to build strong relationships will drive meaningful results. Agility and Adaptability: Embrace change and demonstrate creativity and adaptability in a dynamic business environment. Your flexibility will contribute to our continued success. Sound Decision-Making: Exhibit excellent judgement and timely decision-making skills, ensuring well-balanced choices that align with our business objectives. Education and Experience: A Bachelor's degree or equivalent work experience (e.g. STEM, Biology, or Lab work is a plus) Multi-line or Life Sciences products underwriting experience is preferred The pay range for the role is $85,000 to $130,000. The specific offer will depend on an applicant's skills and other factors. This role may also be eligible to participate in a discretionary annual incentive program. Chubb offers a comprehensive benefits package, more details on which can be found on our careers website. The disclosed pay range estimate may be adjusted for the applicable geographic differential for the location in which the position is filled.

At Amwins, we succeed together - and have a good time doing it.We know people don't leave companies. They leave cultures - which is why we work so hard on ours. At Amwins, we thrive on collaboration, not cutthroat competition. Our teams work together to help each other succeed, and we do right by our clients so they can do right by theirs.First and foremost, we invest in our employees. That investment shows in everything we do; education and development programs, comprehensive and competitive benefits, and an organizational structure that's 43% owned by employee shareholders. Our commitment to diversity, equity and inclusion helps cultivate an open, welcoming workplace that reflects the communities we serve. You will have the opportunity to volunteer within Amwins through a wide range of committees and in your community through the Amwins Foundation and Summer of Service.Working at Amwins means you love what you do, how you do it and, ultimately, who you do it with. Whether it's today or 150 years from now, we continue to invest in our culture and your development so opportunities for growth and career advancement are never in short supply.At Amwins, we win together - and have a good time doing it.Learn more about us at amwins.com.We see you in Amwins blue!Join our Amwins Access team in San Diego as an Associate Underwriter!This is a hybrid position in our San Diego office. Each Associate Underwriter provides vital team functions: Review submission information required to issue new or renewal quotes Rating and preparation of new or renewal quotes as directed by Underwriter Review and handling of inspection recommendations and discrepancies Monitor various reports for consistency Potential for policy issuance and endorsement processing, including audits Assist in accounting procedures such as invoicing Data entry into multiple internet-based systems We are looking for people with: 1 year experience as support staff in an office environment or a Bachelor's degree from an accredited four-year university Prior insurance experience is a plus! Property and Casualty License or ability to earn a license within 90 days (cost reimbursed and study support provided by Amwins) Detail-oriented with strong work ethic Excellent computer skills including typing proficiency, Microsoft Office proficiency with an emphasis in Excel spreadsheets Someone who enjoys mastering their craft, takes pride in their work, and is looking for a long-term home in a supportive team environment! Snapshot of what Amwins provides to our team members: Compensation includes a salary commensurate with experience Annual bonus potential Broad benefits package available Most benefits available first day of employment Medical, Dental, Vision, Life, etc. Parental Leave, Adoption Assistance, Travel Reimbursement for healthcare, Retail Discount Program, Scholarships for dependents of Amwins employees, etc. Generous Paid Time Off and Company Holiday Schedule Collaborative, continuing education focused work environment Career advancement opportunities Pursuant to California regulation, the compensation for this position is $70,304 annually, and includes eligibility for performance-based bonuses. The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Pursuant to California regulation, the compensation range for this position is as stated and includes eligibility for performance-based bonuses. California Pay Range$70,304-$70,304 USD

About the Role: Underwrites new and renewal Middle Market credit requests comprised of working capital lines of credit, asset-based lines of credit, commercial real estate loans (Owner Occupied and Investor) and equipment financing; most often from moderate-to-complex enterprises with revenues greater than $5 million. Collaborates with Client Solutions Managers ("CSMs") and Relationship Managers to accurately present findings, including business rationale and risk mitigations, in order to obtain credit approval and meet customer needs. * Analyze business, industry, financial data and other supporting credit information concerning an applicant's credit request; identifies key business and financial risks that may impact the repayment prospects by the borrower; derives conclusions supporting the credit recommendation based on documented facts and/or sound judgement. * Prepare timely, concise and accurate credit recommendations, with limited supervision or revision. Includes: (1) quantitative components within the underwriting narrative documenting the credit analysis; (2) accurate use of risk rating scoring models (aka Dual Risk Rating), both quantitative and qualitative rating elements, to ensure customers and loans are properly risk-rated; (3) accurate identification and mitigation of all exceptions to Bank tracked policies exceptions (TPE), tracked guidelines exceptions (TGE), procedures and compliance regulations; and (4) accurate loan coding consistent with nature of the borrowing relationship and terms of the credit(s). * Monitor borrower financial performance in line with commercial and/or real estate loan documents; spreads financial statement and/or ensures required financial statements are spread in accordance with Bank Guidelines and resulting covenant calculations are accurate, complete and adhere to approval conditions and loan documentation. Collaborates with CSM to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner. * Partners with CSMs and Relationship Managers to offer insights into customer financial needs, including opportunities identified using Line of Business-approved relationship expansion tools. May also offer opinions related to a loan structure's effectiveness to mitigate risks, appropriate to prevailing competitive market environment and Bank risk tolerances. * Partners with CSMs and Relationship Managers in customer and prospect calls as appropriate. May shadow manage a portfolio with CSM as part of training and development, with Underwriting Manager and Market Director mutual approval. * May oversee the work of other commercial underwriters or credit analysts, including the timely review of credit reports prepared by other underwriters to ensure a high level of report quality prior to submission for approval; findings to be captured via a standardized Quality Control (QC) Checklist and used to provide guidance and training to underwriters. * Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes. * Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training. * Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description. * May be asked to coach, mentor, or train others and teach coursework as subject matter expert. * Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words. * Takes personal initiative and is a positive example for others to emulate. * Embraces our vision to become "Business Bank of Choice" * May perform other duties as assigned. About You: * Bachelor's Degree in Business, Finance, Accounting, or equivalent work experience. Required * 7-10 years of commercial underwriting/credit analysis experience or relevant lending experience. Required * Advanced analytical and problem-solving skills. * Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis experience; ability to train and present to small and large audiences or has the interest in learning to train and present. * Demonstrated time management skills, reflecting the ability to juggle multiple tasks simultaneously while delivering work product on time. * Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships. * Possess excellent written, verbal, interpersonal and presentation skills, including ability to train and present to small and large audiences or has the interest in learning to train and present. * Advanced knowledge of credit policies, procedures, practices and documentation. The pay range for this role is $98,000 to 170,000.00. The pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation, and those details will be provided during the recruitment process. Primary Location: Ability to work fully onsite at posted location(s). 11720 El Camino Real, Suite 100 San Diego CA 92130 Our Benefits: We are proud to offer a competitive total rewards package including base wages and comprehensive benefits. We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an employee assistance program, life insurance, disability insurance, tuition assistance, mental health resources, identity theft protection, legal support, auto and home insurance, pet insurance, access to an online discount marketplace, and paid vacation, sick days, volunteer days, and holidays. Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly. Our Commitment to Diversity: Columbia Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics. If you require an accommodation to complete the application or interview(s), please let us know by email: http://******************** To Staffing and Recruiting Agencies: Our posted job opportunities are only intended for individuals seeking employment at Columbia Bank. Columbia Bank does not accept unsolicited resumes or applications from agencies and Columbia Bank will not be responsible for any fees related to unsolicited resume submissions. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.

What part will you play? If you're looking for a place where you can make a meaningful difference, you've found it. The work we do at Markel gives people the confidence to move forward and seize opportunities, and you'll find your fit amongst our global community of optimists and problem-solvers. We're always pushing each other to go further because we believe that when we realize our potential, we can help others reach theirs. Join us and play your part in something special! The Commercial Underwriter's primary responsibility is to produce and underwrite new and renewal commercial bond business while maintaining and building productive relationships with our network of independent agents and brokers. The person in this role should be a self-motivated individual with the responsibility to cultivate and maintain a profitable commercial book of business by using sound judgment when assessing risk and providing excellent service to our agents and customers. Responsibilities: Gather, analyze and underwrite commercial surety bonds Evaluate and manage risk associated with various types of commercial surety bonds while adhering to the company's underwriting philosophy Have a keen understanding of legal documents, indemnity agreements, statutes, bond forms, and insurance laws and regulations Have a solid understanding of financial and accounting principles Demonstrate sound business judgment in the evaluation of the financial condition, credit history, experience, and character of bond applicants Develop new business through agency relationships Possess a solid knowledge of processing methods and workflow procedures Exhibit excellent written and verbal communication both internally and externally Effectively interact with people in small groups and social situations Price, quote, negotiate terms and conditions, and service accounts Decline and/or cancel coverage Renewal bond underwriting Contribute to internal processing and underwriting systems for standardization and efficiencies Available for overnight travel and the ability to attend occasional agent meetings or industry events Mentor and provide guidance and support for team members Qualifications: Minimum 2+ year's industry experience Bachelor's degree preferred; high school diploma accepted with equivalent industry experience. Ability to thoroughly analyze bond applications and make both objective and subjective decisions based on that data Ability to interpret an extensive variety of procedures and instructions and deal with several abstract and concrete variables Ability to define problems, collect data, establish facts and draw valid conclusions Ability to calculate figures and amounts such as premium rates and commissions Ability to compose business correspondence and respond to questions from managers, clients, and customers Ability to handle large volume of bonds and be able to prioritize, organize, and delegate assignments Possess strong interpersonal skills Possess strong organizational and time management skills Ability to multi-task and work in a team environment Strong customer service orientation and negotiating skills Self-motivated and ability to work independently as well as part of a team #piq #LI-Hybrid US Work Authorization US Work Authorization required. Markel does not provide visa sponsorship for this position, now or in the future. Pay information: The base salary offered for the successful candidate will be based on compensable factors such as job-relevant education, job-relevant experience, training, licensure, demonstrated competencies, geographic location, and other factors. The salary for the position is $74,320 - $102,190 with a 20% bonus potential. Who we are: Markel Group (NYSE - MKL) a fortune 500 company with over 60 offices in 20+ countries, is a holding company for insurance, reinsurance, specialist advisory and investment operations around the world. We're all about people | We win together | We strive for better We enjoy the everyday | We think further What's in it for you: In keeping with the values of the Markel Style, we strive to support our employees in living their lives to the fullest at home and at work. We offer competitive benefit programs that help meet our diverse and changing environment as well as support our employees' needs at all stages of life. All full-time employees have the option to select from multiple health, dental and vision insurance plan options and optional life, disability, and AD&D insurance. We also offer a 401(k) with employer match contributions, an Employee Stock Purchase Plan, PTO, corporate holidays and floating holidays, parental leave. Are you ready to play your part? Choose ‘Apply Now' to fill out our short application, so that we can find out more about you. Caution: Employment scams Markel is aware of employment-related scams where scammers will impersonate recruiters by sending fake job offers to those actively seeking employment in order to steal personal information. Frequently, the scammer will reach out to individuals who have posted their resume online. These "job offers" include convincing offer letters and frequently ask for confidential personal information. Therefore, for your safety, please note that: All legitimate job postings with Markel will be posted on Markel Careers. No other URL should be trusted for job postings. All legitimate communications with Markel recruiters will come from Markel.com email addresses. We would also ask that you please report any job employment scams related to Markel to ***********************. Markel is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of any protected characteristic. This includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law. Should you require any accommodation through the application process, please send an e-mail to the ***********************. No agencies please.

Marketing Statement: Philadelphia Insurance Companies, a member of the Tokio Marine Group, designs, markets and underwrites commercial property/casualty and professional liability insurance products for select industries. We have been in operation since 1962 and are nationally recognized as a member of Ward's Top 50 and rated A++ by A.M.Best. We are looking for a Sr. Surety Underwriter to join our team in either our Walnut Creek, Pasadena, Mission Viejo or San Diego offices! Summary: Under limited direction and supervision, underwrites and markets assigned products by providing high levels of risk assessment and technical underwriting expertise to determine underwriting acceptability. May provide high level of financial analysis to determine credit quality. A typical day will include the following: * Participates in the producer management process which may include, but is not limited to, premium collections. * Prepares underwriting submissions, making recommendations and/or decisions within established authority limits. Minimum authority is $1,000,000 (Surety). * Prepares and participates in marketing activities within the region to promote the development of new business. * Gathers and analyzing information, applies appropriate underwriting techniques necessary to make an accurate evaluation of acceptability of risk. May evaluate credit quality. * Prepares and participates in proposals to producers and/or accounts negotiating terms and conditions. * May ensure credit quality of accounts managed while maintaining and updating underwriting files. Qualifications: Bachelor's Degree At least three years of contract surety underwriting experience preferably with a carrier. AFSB designation preferred. The ability to manage multiple priorities, generate new business and be detail oriented. EEO Statement: Tokio Marine Group of Companies (including, but not limited to the Philadelphia Insurance Companies, Tokio Marine America, Inc., TMNA Services, LLC, TM Claims Service, Inc. and First Insurance Company of Hawaii, Ltd.) is an Equal Opportunity Employer. In order to remain competitive we must attract, develop, motivate, and retain the most qualified employees regardless of age, color, race, religion, gender, disability, national or ethnic origin, family circumstances, life experiences, marital status, military status, sexual orientation and/or any other status protected by law. Benefits: We offer a comprehensive benefit package, which includes tuition reimbursement and a generous 401K match. Our rich history of outstanding results and growth allow us to focus our business plan on continued growth, new products, people development and internal career opportunities. If you enjoy working in a fast paced work environment with growth potential please apply online. Additional information on Volunteer Benefits, Paid Vacation, Medical Benefits, Educational Incentives, Family Friendly Benefits and Investment Incentives can be found at ***************************************** Share: mail Apply Now

About Private Client Select Insurance Services, LLC (PCS): PCS is one of the largest high net worth managing general underwriters in the market today. With a sole focus on families with $5m or more in assets, PCS provides complex insurance policies for individuals with complex needs. Private Client Select offers property and casualty personal insurance solutions and risk management services that meet the unique and complex needs of High-Net-Worth clients. We understand their passions and are committed to preserving the life that they have built. PCS employs approximately four hundred staff members. The company has offices in New York, NY, St. Petersburg, FL, and Schaumburg, IL. PCS has a geographically diverse workforce and supports hybrid and remote business-based flexibility. Role Overview: We are seeking an experienced and motivated Underwriting Specialist to join our team. This role offers an exciting opportunity to underwrite large and complex personal lines risks across a national footprint. It is ideal for underwriting professionals who thrive in high-stakes environments and are energized by impactful underwriting challenges. The Underwriting Specialist will serve as the primary point of contact for a dedicated book of business, including both new and renewal accounts. In this strategically important role, you will collaborate closely with internal teams and broker partners to deliver exceptional underwriting outcomes. Job Responsibilities: Market and underwrite a book of large and complex personal lines risks. Build and maintain strong working relationships with internal and external business partners. Meet renewal retention goals through strong negotiation and communication skills, including occasional in-person meetings with brokers, clients, and centers of influence. Identify new business and cross-sell opportunities by cultivating relationships with producers and account managers. Document underwriting files in accordance with authority statements and guidelines. Participate in annual audits for specific product lines. Utilize advanced underwriting and producer management tools to meet profitability targets. Make independent sales calls to grow and support your book of business. Recommend updates to underwriting guidelines and workflows. Contribute to marketing and underwriting projects that enhance company performance. Occasional travel as necessary for business needs. What You Bring: Minimum of 5 years of experience in Personal Lines Property & Casualty Insurance. Bachelor's degree or equivalent work experience. Familiarity with underwriting concepts, practices, and procedures. Strong analytical, quantitative, and communication skills. Ability to work independently and manage a personal book of business. Positive attitude, strong interpersonal skills, and self-motivation. Proficiency in Microsoft Excel. Property and Casualty (P&C) and Excess and Surplus (E&S) lines licenses are required. If not currently licensed, licenses are expected to be obtained promptly upon hiring; PCS will provide support as needed. Equal Employment Opportunity Policy: PCS values and is fully committed to diversity and inclusion. It is the policy of PCS not to discriminate against any applicant for employment, or any employee because of age, color, sex, disability, nation of origin, race, religion, sexual orientation, gender identity, or veteran status