Underwriter, PL

Description Ensures a profitable book of business by appropriately evaluating the acceptability of risks within established authority levels. Demonstrates decision making authority with moderate supervision, making subjective quality exceptions to retain profitable business. Communicates with assigned agents on any rejected risks to educate on market appetite and explain underwriting guidelines. Markets Company products and services to agents and actively participates in the agency management process. Responsible for working with and protecting confidential and proprietary customer and Company information. This is a range posting Grade 11 - 13, depending on experience. Responsibilities Accepts, rejects or modifies new and renewal business for all Personal Lines with moderate guidance to ensure a profitable personal book of business. Reviews risk acceptability to make subjective decisions based on underwriting guidelines ensuring standards for state compliance regulations are met. Ability to use creativity and underwriting knowledge to engineer risks and retain business. Responsible for managing a field of agents to achieve Company growth and profitability targets. Develops on-going relationships with agents, conducts proactive outreach with agents to discuss market appetite, quality of submissions and encourage profitable growth. Additionally, keeps agents up-to-date on underwriting and/or product changes. Manages a complex book of business to maximize profitability and growth. Reviews loss ratios and growth for agents when evaluating and making agency exceptions. Mentors newer underwriters and is a resource within underwriting department. Partners with Territory Managers to identify trends and patterns that might create problems and works with agents to correct. Trains and educates agency staff on Company products, services, underwriting philosophy, etc. May promote the Company's product and services by speaking to insurance-related groups, CPCU meetings, etc., and by networking within the insurance community to stay abreast of changes within the industry. Performs other support functions as needed. This is a remote position. Qualifications BA/BS degree or equivalent experience (insurance experience preferred) Knowledge of Personal Lines' products and contract knowledge preferred Proficient in underwriting and thorough knowledge of regulatory and policy differences among states in which business is transacted Strong negotiation skills preferred Actively working toward professional designation(s) preferred Proficient PC skills and capable of working multi-faceted systems Ability to effectively and independently manage work load while exhibiting good judgment Strong verbal communication and phone skills Excellent grammar and written communication skill required Must have strong relationship building skills with agents and other departments and exemplify teamwork About Us Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Re