Large Accounts Underwriter

At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together.

**Location Requirement: Ideal candidate will be located in the Nashville, TN or Atlanta, GA areas.**

As a Large Account Underwriter, you'll manage a defined territory and drive profitable growth by evaluating complex commercial risks, developing tailored coverage solutions, and making strategic underwriting decisions. You'll partner closely with agents and brokers, build strong market relationships, and serve as a trusted resource on EMC's Large Account capabilities. Your insights and expertise will directly influence portfolio performance, business growth, and long-term underwriting success.

Essential Functions:

• Manages and grows a profitable large account portfolio within assigned authority and territory. Evaluates moderately complex large accounts across multiple lines to determine pricing, coverage structure and risk selection.

• Applies underwriting guidelines using loss history, financials, risk control reports, and pricing tools.  Maintains accurate and thorough underwriting documentation to support sound decision‑making and compliance. 

• Builds and maintains strong broker and agent relationships.  Educates agents on the Large Account program, underwriting appetite, systems, and services. Visits agencies to discuss accounts and provide agents with updates to maximize opportunities.

• Partners with assigned regional leadership on agency strategy and planning for Large Account business unit,  Serves as a Large Account resource for internal business units.

• Negotiates terms and pricing on Large Account underwriting. Explains underwriting decisions and outcomes to impacted parties. 

• Partners with sales, marketing, and leadership on agency and portfolio performance. Monitors market trends, competition, and industry changes to inform underwriting and growth strategy.

Education & Experience:

• Bachelor’s degree, preferably in insurance or business administration, or equivalent relevant experience

• Five years of commercial underwriting experience or related experience

• Prior experience working with large accounts, including $500K+ premium accounts, loss-sensitive programs, and complex risk profiles, strongly preferred

• Insurance designations, such as CPCU, preferred

Knowledge, Skills, & Abilities:

• Excellent knowledge of underwriting and risk analysis

• Excellent knowledge of at least two lines of business

• Strong written and verbal communication skills, including presentation skills and account analysis documentation skills

• Strong problem-solving skills and the ability to make sound decisions

• Strong customer service skills

• Strong computer skills, including knowledge of Microsoft Office and social media

• Ability to work on multiple projects while meeting deadlines

• Excellent written and verbal communication skills, including the ability to speak effectively before groups

• Strong presentation skills

• Ability to work effectively with others, as well as independently

• Occasional travel; a valid driver’s license with an acceptable motor vehicle report per company standards required if traveling

The hiring salary range for this position will vary based on geographic location, falling within either of the following:

A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs.

For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers.

Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws.

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