Senior Underwriter - Workers Compensation

About the role

DUAL North America, part of Howden, is seeking a Senior Underwriter for its Workers Compensation division in Philadelphia, PA. The role shapes the underwriting framework, manages a portfolio of complex risks and expands broker relationships. You will provide technical expertise to evaluate insurance submissions, balancing risk exposure, coverage needs and profitability, while leading and collaborating with a team of underwriters. The position is full-time, exempt, reports to an AVP Underwriting or above, with up to 25% travel and a salary of $100,000-$140,000.

Key responsibilities

• Underwrite complex risks within granted authority, analysing risk exposure, loss frequency and severity against desired coverage
• Ensure submissions meet underwriting standards and are profitable
• Curate a portfolio of business according to Underwriting Guidelines and pricing tools, with more discretion than an underwriter
• Identify changes in account and market risk exposures and loss trends to maximise profitability
• Work with the manager to define and execute team production goals
• Review referrals from Underwriters and Associate Underwriters
• Provide technical guidance, coaching and mentoring, and may formally manage 1-2 direct reports
• Execute annual new and renewal business goals, achieving agreed premium income and quote targets
• Foster relationships with key producers through travel to client meetings, conferences and industry events
• Gather information needed to quote and bind accounts, negotiate with producers within delegated authority, and assist on projects such as testing rating models and new systems
• Keep up to date on market dynamics and product differences and share market intelligence with the group

Required profile

• Bachelor's degree in risk management, finance, business or a related field preferred
• Certifications such as CPCU, AU or similar preferred
• 5-8 years of relevant underwriting experience
• Ability to travel 10-25% for client meetings, conferences or industry events
• Must be able to sit in a stationary position about 50% of the time, with occasional movement around the office

Required skills

• In-depth understanding of technical underwriting principles and risk assessment
• Strong analytical, negotiation and decision-making skills
• Proven ability to manage and build broker and client relationships
• Proficiency in Microsoft Office (Word, Excel, Outlook, PowerPoint)

What we offer

• A career you define, with a culture focused on collaboration, career progression and work-life balance
• Permanent position
• Reasonable adjustments, including flexible hours or hybrid working where possible