Specialist, Underwriting - Personal Lines

* Bachelor’s degree in business, finance, insurance, or a related field* 6+ years of underwriting or insurance experience* Progress toward a Chartered Property Casualty Underwriter (CPCU) designation or similar certification* Strong understanding of underwriting, pricing, and insurance contracts* Skilled in data analysis and tools like Excel* Clear communicator with agents and internal teams* Experience leading projects or working across teams* Strategic thinking and sound business judgment* Relationship-building and negotiation skills* Data-driven decision-making* Motivation to deliver results and support team growth* Researches agency, district, and market data for assigned underwriting territory to identify business trends and opportunities for profitable growth. Obtains data/information from published sources, company data bases, and partnerships with sales, claims, agency or other contacts.* Reviews and analyzes profitability measures through existing reports and through adhoc reports and queries to develop creative, intuitive and profitable business recommendations for agency, market, state and/or region. Develops written portfolio management reports/action plans for joint implementation with sales to drive profit and growth results or may support the portfolio management plans within assigned territory . Links knowledge of products, competitors, appropriate business mix, state statutes, rate structure, and underwriting guidelines to develop and/or support action plans in partnership with product management.* Makes appropriate new business and renewal policy level underwriting decisions based on analysis, experience, and judgment in accepting, modifying or rejecting risks. Reviews and considers business loss experience, investigative reports, claims activity, file information and nature of risks, etc. in reaching sound decisions. Understands and adheres to filed rating plans.* Makes account underwriting decisions based on agency history, policyholder's tenure, number of accounts, claims history, and long term performance indicators.* Accountable for the proper classification of risks to ensure the matching of price and product to the customer. Is skilled at interpreting and using approved classification systems, rating plans and selection standards to determine eligibility, desirability and proper classification/pricing benchmarks for assigned product lines. Leads assessment of product/pricing effectiveness as it relates to underwriting and provides input to leadership.* Initiates consulting opportunities with assigned agency force regarding business results, trends, competitor information and application of portfolio management action plans as appropriate. Recommends additional products, coverages and discounts to ensure the agency and customer receive maximum value. Uses curiosity, ingenuity and creativity to identify profitable opportunities.* Actively pursues partnerships with sales, claims, and product management in implementing and driving profitable solutions for all lines of business submitted in assigned territory/underwriting district. Supports and may participate in agency reviews.* Markets company products and services by working with agencies to identify needs and create or source profitable solutions. Builds and enhances the agency relationship by making contact that conveys interest in the agency¿s needs and goals. Completes all transactions in a first time final mode. Assists in providing agency staff with education when necessary.* Manages the communication process between agencies and processing areas and makes decisions regarding the most effective and efficient method of communicating based on the issue, situation, and audience. Educates contacts on how to find answers to assist in streamlining communications.* May lead special projects, task teams, or underwriting roundtables. May represent the company in DOI hearings/complaints.We have an array of benefits to fit your needs, including: medical/dental/vision, life insurance, short and long term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company-paid pension plan, business casual attire, and more. To learn more about the benefits we offer,At Nationwide, we find purpose in protecting people, businesses and futures with extraordinary care – and we’ve been doing that since 1926. Our financial strength and caring culture extend beyond our associates into the communities we serve. You really can *feel* the difference at Nationwide, which is why we continue to be named one of the Fortune 100 Best Companies To Work For. Check out why others think we're , too, and let us know – #J-18808-Ljbffr