POSITION SUMMARY

The Senior Underwriter is a high-ownership underwriting professional responsible for complex risk assessment, pricing, negotiation, and portfolio management. The role serves as a trusted business partner, provides technical guidance to peers, supports modernization initiatives, and contributes to profitable growth through disciplined underwriting decisions.

DUTIES AND RESPONSIBILITIES

The essential functions include, but are not limited to the following:

• Underwrite and manage complex, strategic stop loss and level-funded opportunities, balancing risk appetite with competitive positioning to drive profitable growth.
• Independently develop, present, and defend underwriting recommendations using sound risk analysis and market insight to support sound decision-making.
• Collaborate cross-functionally with sales, actuarial, operations, and leadership to structure and close complex cases.
• Mentor and develop junior underwriters, strengthening team technical proficiency and decision-making capabilities.
• Uphold underwriting governance, consistency, and audit readiness across the book of business.
• Drive reporting, process modernization, and workflow improvement initiatives that increase efficiency and accuracy.
• Monitor portfolio performance, identifying emerging trends, risks, and opportunities to drive strategy.
• Apply independent judgment within established governance and delegated underwriting authority to balance risk, service, and profitability.

Non-essential functions include, but are not limited to the following:

• May perform other duties as assigned.

MINIMUM QUALIFICATIONS (KNOWLEDGE, SKILLS, AND ABILITIES)

• 5+ years of stop loss underwriting experience, with a proven track record of sound risk assessment and decision-making
• Demonstrated ability to manage complex risk portfolios and lead broker negotiations to favorable outcomes
• Experience mentoring team members and reviewing their work, providing constructive feedback that supports professional growth
• Strong sense of ownership and accountability, paired with clear, confident communication across all levels of an organization

Supervisory Responsibilities

No Direct Reports

Work Environment

The noise level in the work environment is usually low to moderate.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions. While performing the duties of this position, the employee is regularly required to talk or hear. The employee frequently is required to use hands or fingers, handle or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.

Travel Requirements

Up to 10% travel as business needs require.

NOTE

This job description in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. This document does not create an employment contract, implied or otherwise.