Consultant, Field Underwriter - Commercial Lines; TN & KY

Position: Consultant, Field Underwriter - Commercial Lines (TN & KY)
If you’re passionate about helping people protect what matters most to them, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide’s Property and Casualty team could be the place for you! At Nationwide, “on your side” goes beyond just words. Our customers and partners are at the center of everything we do and we’re looking for associates who are passionate about delivering extraordinary care.

Shape the Future of Risk Solutions

What You’ll Do:

Underwrite and price specialized small lines commercial risks with advanced judgment Provide guidance and expertise to sales teams and agency staff Build strong agency relationships and lead complex negotiations Monitor market trends and contribute to innovation in underwriting practices Mentor and share expertise to elevate team performance

This isn’t just underwriting—it’s leadership, strategy, and innovation. You’ll have the autonomy to shape decisions, impact profitability, and help define the future of commercial risk solutions.

What We’re Looking For:

Bachelor’s degree (advanced designations like CPCU, ARM preferred) 6–8+ years of commercial underwriting experience with complex risks Exceptional analytical, consultative, and communication skills Ability to travel regularly within assigned territory
** Territory:
** Candidates must reside in Kentucky or Tennessee to be considered for this role. This role involves weekly travel, typically within a 3–5 hour radius to meet with agency partners. A company vehicle would be provided.#LI-MS2 #LI-REMOTE
*** This role does not qualify for employer-sponsored work authorization. Nationwide does not participate in the Stem OPT Extension program
***** Job Description Summary
** Serves as a top-tier technical expert in commercial lines underwriting, responsible for independently evaluating and underwriting the most complex and high-value risks across a broad field territory. Operates with elevated authority and autonomy, applying advanced risk assessment techniques and deep market insight. Acts as a consultative resource to field underwriters, sales teams, and agency partners. Drives underwriting excellence and contributes to strategic initiatives that support profitability, growth, and operational efficiency.
****** Job Description
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* Key Responsibilities:

**** Advanced Underwriting Execution:
** Independently underwrites and prices the most complex and specialized commercial risks within expanded authority levels while promoting a steady flow of lower-premium and complexity new business. Applies advanced judgment and technical expertise to ensure profitable growth.
** Risk Analysis & Technical Consultation:
** Performs in-depth risk analysis using financials, loss control reports, industry trends, and predictive data models. Provides consultative guidance to field underwriters and agents on risk mitigation and coverage solutions.
** Territory Management:
** Manages a field underwriting territory focused on new business production, ensuring alignment with underwriting strategy, mix of business, and profitability goals. Identifies trends and recommends adjustments to underwriting approach or appetite. May serve as the primary point of contact for consolidation or transfer opportunities within an agency.
** Agency Engagement & Strategic Support:
** Builds and maintains strong relationships with key agency partners. Regularly conducts in-person meetings and takes advantage of opportunities to embed and quote within the agency’s office. Provides expert-level support in complex negotiations and coverage discussions. Participates with Territory Managers in strategic planning with agencies to drive mutual success. Identifies and drives opportunities for business development and issue resolution by consulting with agents and internal partners.

Understands organizational capabilities and opportunities to drive maximum value of relationships.
** Market Intelligence &

Innovation:
** Monitors market developments, emerging risks, and competitor activity. Contributes feedback to the Portfolio Management and Technical Underwriting organizations to influence the evolution of…