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.

Essential Functions:

• Provides strategic insight and direction for the underwriting organization on Retail/Services business

• Primary industry classifications include Retail & Services.  

• Leads, researches, and coordinates the ownership, execution, strategy, administration and/or development of the most complex products and programs at enterprise level. 

• Recognized as a sought-after business segment expert for Retail & Service. 

• Develops business segment strategies and plans and ensures successful implementation enterprise wide. 

• Leads the administration and development of products and programs for the Retail & Service business segment. 

• Proactively communicates and makes necessary recommendations to management for improvement needed to meet company goals and improve underwriting results.

• Evaluates the cost and benefit of market opportunities and product initiatives and recommends actions based on evaluation, including identifying product improvements for complex products.

• Leads the process of developing of short- and long-term strategic product and underwriting strategies within assigned business segment in support of enterprise-wise business and profitability goals.

• Leads and serves on special projects for assigned business segments. 

• Manages business relationships with external and internal partners to introduce and integrate product initiatives based on enterprise needs.

• Reviews insurance publications and keeps current on issues impacting business segment by attending seminars and participating in continuing education.

• Acts as a strategic partner for branches and offers guidance on complex underwriting matters within the Retail & Service business segment.

• Ensures that the team responds timely and collaborates closely with branch offices on underwriting philosophy, authorizations, facultative reinsurance needs, etc.

• Provides advice and guidance for branch authorizations in determining the acceptability of business by discussing underwriting philosophy, policy forms, rating approaches, underwriting and risk management techniques, including the largest and most complex risk submissions which may require a specialized approach.

• Participates in all aspects of quality control and audit assessments on new and renewal business.

• Collaborates with corporate underwriting team members as appropriate in the review and study of proposed changes in rules, rates, and forms for various lines controlled by ISO, or other bureaus, and company programs.

• Assists in the preparation of any necessary changes and new information for company manuals, policy forms and statistical coding.

Education & Experience:

The education and experience below are required for the job unless labelled as preferred:

• Bachelor’s degree, preferably in an insurance or business-related field, or equivalent relevant experience

• Ten years of experience in progressively responsible roles with commercial property and casualty underwriting, including at least five years of commercial staff underwriting experience within applicable business segment

• Insurance certifications, such as CPCU, AU or CIC

Knowledge, Skills & Abilities:

The knowledge, skills and abilities below are required for the job unless labelled as preferred:

• Superior knowledge of companywide and countrywide underwriting techniques, terminology, policies, products, and forms

• Exceptional underwriting judgment and decision-making skills

• Excellent knowledge of key performance indicators (KPIs) and ways to improve them

• Proficiency with computer software and Microsoft Office Suite

• Superior written and oral communication skills

• Superior organizational and multi-tasking skills

• Excellent problem-solving and analytical abilities

• Excellent presentation, communication, and leadership skills

• Excellent ability to advise, partner, influence and effectively consult with diverse internal and external stakeholders, including senior leaders, executives, and project owners

• Excellent ability to distill and communicate highly complex issues for technical and non-technical audiences

• Excellent ability to translate technical ideas into more general terms for business customers

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

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.

All of our locations are tobacco free including in company vehicles.