Portfolio Underwriter

Portfolio Underwriter – Portfolio Risk Solutions (PRS)

Location:

Hartford, United States

HSB is seeking a Portfolio Risk Solutions (PRS) Underwriter to manage, monitor, expand, and optimize HSB's portfolio products for assigned Client Companies, focusing on achieving profit and growth targets. This role supports a key strategic initiative to profitably grow the business by catalyzing new product implementations and managing performance of existing client companies. The PRS Underwriter will serve as a thought leader with clients, employing innovative solutions, data analysis, and diagnostic and predictive analytics to optimize product performance, segment pricing, and detect leading loss trends.

• Deploy creative data‑analysis approaches to understand and optimize product performance, including claims, engineering, expenses, exposure data, and pure premium trends.
• Develop surgical strategies for corrective action to ensure rate adequacy and appropriate price segmentation.
• Prepare and deliver powerful client presentations to communicate financial results, data analysis, rate analysis, and emerging loss trends.
• Act as the technical expert for both the Client and Client Integration Team.
• Exercise underwriting binding authority to independently make underwriting decisions that drive portfolio financial results.

• Bachelor's degree or equivalent work experience is required.
• 5+ years of personal and commercial (P&C) insurance/reinsurance experience.
• 3+ years in underwriting preferred.
• Demonstrated understanding of commercial and personal lines insurance and reinsurance coverage, concepts, principles, exposures, and processes.
• Ability to translate large data analysis into actionable decisions.
• Experience with rate development (pure premium) and detection of leading loss trends.
• Track record of achieving profit and growth targets for a book of business.
• Negotiation and conflict resolution experience.
• Creative and unique solution development.
• HSB product knowledge and familiarity with HSB preferred.

• Financial statement analysis.
• General insurance/reinsurance industry knowledge.
• Presentation skills.
• Strong interpersonal, written, and verbal communication skills.
• Portfolio analysis.
• Organizational and time‑management skills.
• Consultative and strategic negotiation skills.
• Project management skills to manage multiple concurrent projects.
• Proficiency in Excel, PowerPoint, Power BI, and Word.
• Detail oriented and action oriented with strong analytical, actuarial, and statistical analysis skills.
• Creative problem‑solving and persuasion skills to influence change.
• Curiosity and inquisitiveness to identify issues and develop creative solutions.

At The Hartford Steam Boiler, a subsidiary of Munich Re, we see diversity and inclusion as a solution to the challenges and opportunities around us. We strive to provide a workplace where all of our colleagues feel respected, valued, and empowered to achieve their very best every day.

We are an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this job.

This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Other duties, responsibilities, and activities may change or be assigned at any time with or without notice.