Underwriting Associate - Large Accounts

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.

**This position is eligible to work from home anywhere in the United States**

Essential Functions:

• Leads the renewal preparation process for aligned underwriters across an assigned portfolio, coordinating each account for efficient underwriting review with a focus on long-term profitability, retention and achievement of company pricing objectives.  Conducts evaluation of each account’s risk profile to assess renewal eligibility in accordance with underwriting guidelines. 

• Proactively identifies items outside of underwriting authority and prepares analysis to support the approval process.  Ensures submission completeness, validates SIC classification, reviews and organizes loss runs.  In coordination with the underwriter, prepares submissions for rating and provides instructions to the rating team.

• Receives and triages new business submissions, preparing each opportunity for underwriter review.  Applies underwriter-directed pricing modifications and assembles proposal material for underwriter review and approval prior to release to the agent or broker.

• Develops and strengthens relationships with agents and brokers that supports renewal retention and new business growth.  Addresses agent inquires and resolves issues related to endorsements and renewals, partnering with internal teams to deliver solutions aligned with both carrier, client and agency needs.

• Reviews and approves endorsements within established authority and defined guidelines, providing timely and accurate quotes to agents.  Evaluates the risk implications of proposed policy changes by analyzing coverage structure, loss experience, and claims history to assess overall policy impact.

• Reviews and approves reinstatement and cancellations within authority and assists agents with policy-related and billing inquiries in partnership with internal teams.

• Provides operational and underwriting support to the department.  Partners with underwriters and territory managers to deepen understanding of EMC risk appetite, underwriting tools, resources and systems.

Education & Experience:

• Associate degree or equivalent relevant experience

• One year of insurance industry experience or related experience

• Experience supporting large commercial accounts, including $500K+ premium accounts, loss-sensitive programs, and complex risk exposures, strongly preferred

• Bachelor’s degree may be considered in lieu of the insurance industry experience requirement

Knowledge, Skills, & Abilities:

• Attention to detail and accurate data entry skills

• Good personal computer skills with proficiency in Microsoft products

• General knowledge of insurance terminology

• Good problem-solving and decision-making skills

• Excellent customer service and communication skills

• Strong organizational and time management skills

• Strong negotiation skills

• Ability to work in a team setting as well as independently

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

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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