Director Of Underwriting, Comm & Pers Lines

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Full Time Orlando, FL, US

The Director of Underwriting is responsible for the strategic leadership, operational management, and technical excellence of Commercial and Personal Lines underwriting operations. This position provides leadership for Line and Staff Underwriting functions and is accountable for profitable risk selection, underwriting quality, operational efficiency, service excellence, regulatory compliance, and talent development.

The Director partners closely with Product Management, Sales, Claims, Actuarial, Information Technology, Compliance, Accounting, and other key stakeholders to develop and execute underwriting strategies that support profitable growth, operational excellence, strong business relationships, and competitive market positioning.

• Develop and execute underwriting strategies that support profitable growth across Commercial and Personal Lines.
• Establish and maintain underwriting appetite, eligibility guidelines, referral authority, and risk selection standards.
• Monitor portfolio performance, market trends, catastrophe exposures, and competitive conditions and recommend appropriate actions.
• Partner with Product Management and Actuarial/Pricing to evaluate profitability, product performance, and competitive positioning.
• Recommend underwriting guidelines, coverage, and product enhancements based on portfolio results and market conditions.
• Develop and oversee action plans to address underperforming products, territories, agencies, or business segments.

• Establish underwriting department goals, priorities, and performance expectations aligned with corporate strategic objectives.
• Direct underwriting operations to achieve established service, quality, productivity, and customer experience standards.
• Oversee staffing, workload distribution, workflows, and operational efficiency.
• Develop and enhance underwriting processes and procedures to improve consistency, quality, automation, and service.
• Lead, coach, and develop underwriting leaders and staff, including performance management, career development, and succession planning.
• Promote a culture of accountability, collaboration, employee engagement, and continuous improvement.
• Ensure appropriate underwriting education, technical training, and professional development programs are in place.

• Utilize data and analytics to monitor underwriting trends, portfolio and agency performance, premium leakage, operational effectiveness, and underwriting consistency.
• Establish and monitor underwriting Key Performance Indicators (KPIs) and dashboards and implement corrective action plans when appropriate.
• Provide business leadership for underwriting technology initiatives, workflow automation, and system enhancements.
• Partner with Information Technology to establish business requirements, prioritize underwriting technology initiatives, and support system and product implementations.
• Ensure underwriting systems and processes support established guidelines, operational requirements, and applicable regulatory requirements.
• Present underwriting performance, key trends, risks, and action plans to senior and executive leadership.

• Develop and maintain effective relationships with key agency and business partners.
• Partner with Territory Sales Managers on agency performance, underwriting strategy, and relationship management.
• Participate in strategic agency meetings and assist with the resolution of complex…