Senior Underwriter, Middle Market Multi-Industry

Responsibilities

Underwrite middle market commercial accounts within assigned authority by assessing submissions, reviewing coverage terms, exposures, loss history, financials, and supporting information to determine accept/decline, terms, and pricing. Make independent, data-driven decisions on risk selection and pricing consistent with underwriting appetite and profitability objectives. Coordinate referrals for accounts above individual authority or that require specialized support. Manage a portfolio of brokers, agents, and insureds:
Maintain and grow relationships with producing brokers and agents; act as a visible Liberty representative in the market. Develop targeted broker strategies to source profitable middle market business and expand market share. Provide timely, clear responses to brokers and clients; negotiate coverage and terms while protecting portfolio profitability. Underwrite higher-limit, complex, or unusual submissions typical to middle market clients (specialty exposures, large single-location risks, multi-location schedules, or industry-specific hazards).

Engage internal partners (Claims, Actuarial, Risk Control, Legal) to structure appropriate terms and risk mitigation plans. Mentor and coach junior underwriters and new hires on middle market underwriting practices, decision-making, and Liberty processes.

Degree in Business or equivalent typically required. A minimum of 2.5 years, typically 3 or more years, of progressive underwriting experience and/or other related experience CPCU or professional insurance designation preferred. Proven analytical ability to evaluate and judge underwriting risks within scope of responsibility that includes competence with all phases and aspects of the underwriting process, and proficiency in the use of qualitative and quantitative tools and techniques.

Must demonstrate comprehension of complex technical underwriting issues and be capable of defining and implementing necessary underwriting and administrative processes/workflows to properly manage or administer those issues. Proven track record of developing and underwriting profitable business.