Senior Associate Underwriter - Commercial Lines (Agribusiness)

Sr Associate Underwriter, Commercial Lines

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 are at the center of everything we do and we're looking for associates who are passionate about delivering extraordinary care.

This Sr Associate Underwriter will support the Agribusiness team. Qualified candidates will have insurance background with a basic understanding of insurance terminology. Commercial lines and / or ag / farm knowledge / experience is a plus.

This Sr Associate Underwriter will work in a hybrid work environment with two days remote and three days in either the Des Moines, IA or Grandview Heights, OH offices.

Job Description

Success on our team requires a blend of customer service skill and analytical prowess. There's no shying away from challenges here. Each account we work on is complex and interesting. Satisfaction comes from finding solutions that provide the best coverage and give our partner agents a way to differentiate themselves from the competition. If you are adaptable, responsive, love customers and really want to make a difference, we want to hear from you! As a Senior Associate Underwriter, you'll partner with Middle Market Territory Managers by servicing accounts for their assigned books of business. Servicing includes new business, renewals, and amendments with expanded authority. In addition, you will be responsible for a specific portion of the Territory Manager's book of business. We'll count on you to apply fundamental underwriting concepts including risk selection and analysis, exposure and hazard identification and control, coverage implications, pricing documentation, and loss analysis trend identification as appropriate. You will also work in conjunction with Middle Market Territory Managers to strengthen agency relationships by providing prompt and expert service to partner agents working the most complex Middle Market accounts. We'll count on you to own problems or issues as they arise and route calls and higher-level issues to appropriate individuals.

Key Responsibilities

• Services the most complex multi-state, multi-line accounts through the lifecycle to promote profit, new business growth and renewal retention.
• Responds to requests, consults, and collaborates with external and internal partners to resolve business issues and projects of moderate complexity requiring more discernment or robust solutions within established time and service standards to facilitate and expedite service needs.
• Rates, quotes, and issues policies as well as handling related account activity.
• Assesses price renewals, new business, and amendments according to guidelines outlined within authority levels; appropriately refer accounts exceeding authority level.
• Updates account information and exposure changes in a timely manner to enable the underwriter adequate time to prepare and promptly deliver conditional and non-renewal notices to the appropriate parties.
• Gathers, organizes, and enters information into policy systems including exposure changes or coordinates with processing. Provides rating instructions to processing and manages quoting and issuance cycle.
• Captures information from multiple sources according to company guidelines to perform underwriting analysis. May require gathering verbal information or data through reports or other electronic means.
• Independently reviews individual risks for acceptability and exercises judgement and discretion within appetite and based on granted authority level, company underwriting guidelines and industry standards.
• Ensures file handling quality and workflow efficiency for a best-in-class customer experience.
• Internal point of contact for the underwriting and processing team. Follow up with agents for all required information, and request any additional information such as forms, supplemental applications, loss runs, exposures, etc.
• May provide informal coaching to Associate Underwriters.

May perform other responsibilities as assigned.

Reporting Relationships : Reports to Commercial Underwriting Supervisor. No direct reports.

Typical Skills and Experiences :

Education : Bachelor's degree or equivalent work experience preferred.

License / Certification / Designation : Completion of INS, AU, or similar designations with progress toward CIC and / or CPCU is preferred.

Experience : Typically, four years of commercial underwriting, service center, processing or related business experience preferred. Experience leading or working on complex projects and teams preferred.

Knowledge, Abilities and Skills : General understanding of rating systems, underwriting strategy, and reporting analysis. Understands business strategy, state and territory issues, regulations, and trends. Ability to leverage standardized workflows and state compliance guidelines. Able to analyze, synthesize and identify current or future problems and compare information to understand issues. Ability to identify cause and effect relationships and explore alternative solutions to support sound decision making. Verbal and written communication skills necessary to provide excellent service to internal and external partners. Effective organization and time management skills.

Other criteria, including leadership skills, competencies and experiences may take precedence.

Staffing exceptions to the above must be approved by the hiring manager's leader and HR Business Partner.

Values : Regularly and consistently demonstrate Nationwide Values.

Job Conditions :

Overtime Eligibility : Eligible (Non Exempt)

Working Conditions : Normal office environment.

ADA : The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.

Benefits :

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.

Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law.