P&C Underwriter (Hybrid)

Position Compensation Range:

Pay Rate Type:

Compensation may vary based on the job level and your geographic work location. Relocation support is offered for eligible candidates.

This is the second-level role in the Underwriter job family. You will apply knowledge regarding underwriting guidelines, systems and processes specific to products. You will underwrite risk (i.e., selection/rejection of new and renewal business). You will analyze quality and quantity of risks underwritten and prepare reports accordingly. You will review new applications and in-force business with higher degrees of risk not processed by automated systems. You may also review agency books of business as well as profit/growth results and trends to recommend and implement action plans. You may specialize in one or more products within commercial, farm/ranch, life or personal lines product areas. You will report to the Manager, Underwriting.

In this flex office/home role, you will be expected to work a minimum of 10 days per month from one of the following office locations: Madison, WI 53783; Eden Prairie, MN 55343; St. Joseph, MO 64507; Phoenix, AZ 85034

Primary Accountabilities

• You will apply insurance and risk concepts to underwrite new business for basic and/or less complex products. Depending upon product, you may re-underwrite based upon policy guidelines.
• You will evaluate profit factors in area of responsibility.
• You will establish rapport with agents and sales management in their area of operation. You will serve as a resource for the field force and sales management.
• *You will identify when reinsurance may be required.
• You will escalate more complex risk to experience team members or manager for guidance.
• You may apply reinstatement and rate reconsideration guidelines on inforce policies.
• You will perform risk assessments that align with established actuarial pricing and rate class guidelines.
• You will establish rapport with agents and sales management to deliver adverse decisions, explain the action, and determine if medical information is confidential or sensitive.
• You will serve as a resource for the field force and sales management.
• You will handle more complex risk situations with less dependence on others or manager for guidance.
• You will be the subject matter expert on corporate projects, training and mentoring of staff.

Specialized Knowledge & Skills Requirements

• Previous experience as an Underwriter or in Underwriting Support
• Technically proficient and flexible. Must be able learn/use multiple technical platforms
• Solid knowledge and understanding of insurance, underwriting guidelines, and risk concepts.
• Demonstrated problem-solving and analytical skills.
• Demonstrated risk assessment skills.
• Demonstrated experience making independent decisions regarding underwriting cases.
• Understanding of lean methodologies and A3 problem solving is a benefit.
• Demonstrated experience providing customer-driven solutions, support or service.
• Travel up to 10%

#LI-Hybrid

• Offer to selected candidate will be made contingent on the results of applicable background checks

• Offer to selected candidate is contingent on signing a non-disclosure agreement for proprietary information, trade secrets, and inventions

• Sponsorship will not be considered for this position unless specified in the posting

We provide benefits that support your physical, emotional, and financial wellbeing. You will have access to comprehensive medical, dental, vision and wellbeing benefits that enable you to take care of your health. We also offer a competitive 401(k) contribution, a pension plan, an annual incentive, 9 paid holidays and a paid time off program (23 days accrued annually for full-time employees). In addition, our student loan repayment program and paid-family leave are available to support our employees and their families. Interns and contingent workers are not eligible for American Family Insurance Group benefits.

We are an equal opportunity employer. It is our policy to comply with all applicable federal, state and local laws pertaining to non-discrimination, non-harassment and equal opportunity. We also consider qualified applicants with criminal histories, consistent with applicable federal, state and local law.

American Family Insurance is committed to the full inclusion of all qualified individuals. If a reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please email AskHR@AmFam.com to request a reasonable accommodation.