Fidelity & Crime, Senior Underwriting Specialist; Hybrid​/Remote

Fidelity & Crime, Senior Underwriting Specialist (Hybrid/Remote)

Atlanta, GA, USA

Responsible for identifying, soliciting, underwriting, and selling new business private/public commercial and governmental crime accounts that drive profitable growth and align with industry segments, appetite, and mix goals. Apply advanced technical, sales and analytical skills to provide insurance solutions that help Hanover’s customers manage risk. Demonstrates a thorough understanding of Hanover’s strategies and appetites and uses internal and external data to make appropriate individual and portfolio risk decisions.

Operates within a broad Letter of Authority for all underwriting decisions and with limited direction while managing an assigned book of business, generally with high technical complexity and coordination.

• Thorough knowledge and understanding of F&C department business strategy (class of business appetite; account size; coverage differentials; partner/non partner agents, brokers, and wholesalers).
• Knows and applies advanced underwriting concepts including risk selection, exposure, internal controls, coverage implications, and loss analysis.
• Advanced knowledge of pricing components and rating methodology and correlates pricing to exposure, financial strength, and competitive analysis.
• Can identify and explain to agents necessary types of coverages and correlate gaps in coverage based upon account operations and exposures to complete our value‑added proposition.
• Manages assigned portfolio to achieve gross written premium, profitability, rate, retention, industry and LOB mix, new business, and portfolio management goals.
• Demonstrates ability to properly leverage competencies, act as a resource, and build long‑term, profitable, and mutually beneficial relationships with agencies, internal management, and external resources.
• Constructs and executes portfolio business plans independently through organized workflow and desk management, which may include special projects.
• Reviews key metrics and uncovers trends that may lead to new business opportunities within agents while achieving profitable growth.
• Drives the implementation of profit improvement initiatives with key agents by leveraging resources.
• Advocates and coordinates with Specialty department, Middle Market and Small Commercial to learn and share knowledge in cross‑sell opportunities to help manage portfolio/book of business.
• Operates with a franchise perspective to identify and drive enhanced sell opportunities and create growth within other lines of business and customer segments.
• Utilizes our value proposition to enhance agency economics, partner conversion, and product specialization in partnership with local management.
• Prioritizes and drives effective relationship management and producer activities to build trust, facilitate negotiation, and secure commitment in order to improve new business results.
• Independently implements territory business plans, monitors performance, and adjusts plans to ensure a substantial pipeline for future profitable growth.
• Provides proper training and product knowledge transfer to existing and prospective agents so they can effectively sell Hanover as the go‑to‑market for their customers.
• Makes sales presentations to agents and customers on a regular basis.
• Participates in more complex accounts.
• Uncovers customer needs, positions specific solutions, handles objections, and closes deals.

• Bachelor’s Degree or equivalent experience
• 5‑7+ years Underwriting experience
• 5‑7+ years experience driving agency relationships resulting in profitable new and renewal business
• Consistently demonstrates high level of proficiency across LOB UW core competencies; may specialize/certify in 1‑2 specialty areas
• Proficient at identifying, analyzing, solving problems and managing and prioritizing multiple concurrent projects; collaborates on complex risks, pricing, trends, industry segments, coverages and product knowledge; may conduct peer‑to‑peer self‑audits under management direction
• Demonstrates ability to adapt quickly to change, exercise influence, and act as a…