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Personal Lines Underwriter Jobs

Company

Encova Insurance
Address , Columbus, Oh
Employment type FULL_TIME
Salary
Expires 2023-07-11
Posted at 1 year ago
Job Description
This role will work either a hybrid or remote schedule and report to a Regional Vice President, Personal Lines.
JOB OBJECTIVE:
The Personal Lines Underwriter is responsible for managing an assigned territory by growing a profitable book of business. This position builds strong relationships with our agency partners and provides them with timely service and expertise on risk selection and book management. This role is responsible for ensuring Encova’s risk appetite, underwriting guidelines and philosophies are maintained while minimizing loss potential for the company through proper risk selection while retaining a quality book of business.
ESSENTIAL FUNCTIONS:
  • Provide input to drive and implement strategic underwriting initiatives
  • Assist with the development and presentation of onboarding and continued training programs for agencies
  • Work with agency partners on a portfolio basis and look for opportunities to improve book performance and prevent premium leakage
  • Work with Personal Lines Territory Managers and Agency Managers to develop specific strategies at an agency level to achieve targeted growth and profit goals
  • Evaluate exposures and use discretionary judgement to determine continued risk acceptability and solution for risk management concerns identified to ensure long-term profitability
  • Monitor and analyze agency performance using agency profiles and Tableau reports to drive production to meet established new business, retention, and profitability goals
  • Plan and conduct regular agency visits in assigned territory to develop and promote profitable personal lines growth opportunities, build relationships, and solve problems
  • Ability to travel and meet with customers in your assigned territory
  • Make decisions on new business acceptability when outside of underwriting guidelines, but within your letter of authority, and clearly document your rationale and thought process
  • Improve automated risk selection by identifying gaps and recommending refinements to our automated underwriting rules
  • Utilize available policy endorsements, coverage exclusions, and deductibles at their discretion to select and manage exposures and pricing of risks
OTHER FUNCTIONS:
  • Monitor assigned agents and develop strategies to address issues including corrective actions for growth and profit targets not met
  • Interact collaboratively with business partners including customer service, claims, sales, compliance and actuarial
  • Develop a thorough knowledge of agency operations at an individual agency level within assigned territory
  • Maintain a working knowledge of personal lines insurance statutes in assigned territory
  • Develop additional subject matter expertise in underwriting to improve our capabilities as an underwriting organization
KNOWLEDGE, SKILLS AND EXPERIENCE:
  • Strong communication skills, time management skills, negotiation tactics, and presentation skills are required
  • Previous insurance experience is preferred
  • Strongly encouraged to pursue continuing education in one or more of the following areas: College degree and/or INS, API, CPRM, CPCU or AU courses/certifications
  • The ability to analyze risk and interpret available data and make effective decisions to support profitability is required
  • Customer service experience is strongly preferred
  • A bachelor’s degree in risk management or business is strongly preferred

This position has been evaluated in accordance with the Americans with Disabilities Act. Encova Insurance makes every effort to reasonably accommodate disabilities to permit performance of the essential functions and candidates who need such accommodation are encouraged to seek it. This description reflects the nature and level of work performed by associates in this position. It is not an all-inclusive inventory of duties, responsibilities and qualifications required. It provides an accurate overview of the work and skills needed to perform this position. Because job content may change from time to time, Encova Insurance reserves the right to add and/or delete functions from this job as it deems necessary for business reasons.
Ready to join our team?
At Encova Insurance, we firmly believe that our associates drive our company’s success by delivering unrivaled service to our customers. With success in mind, we make an ongoing effort to provide an environment that offers challenging, stimulating and financially rewarding opportunities.
Join us to discover a work experience where your diverse ideas will be met with enthusiasm – where you can learn and grow to your fullest potential.
What you can expect from us
Join our family of industry leaders, and let us reward you with a competitive salary, bonus and benefits package that includes but is not limited to: a 401(k), wellness programs, bonus incentive plans and flexible schedules, with an early close of the office every Friday. Additionally, Encova aspires to be an outstanding corporate citizen in all the markets we serve; we encourage and support associate participation in community initiatives through our foundations.
Encova Insurance is an EOE/E-Verify employer.