Nationwide
Insurance
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We're seeking experienced insurance professionals who combine strong underwriting expertise with a relationship-focused approach. In this role, you'll manage a personal lines portfolio, make sound underwriting decisions, and partner with agents to drive profitable growth while delivering an exceptional customer experience.
What We're Looking For
Personal Lines underwriting experience preferred
Experience managing a book of business and making independent underwriting decisions
Background with a multiline carrier strongly preferred
Strong analytical, communication, and relationship-building skills
Ability to balance risk selection, profitability, and customer service
Training & Schedule
Structured virtual training program lasting approximately 6–8 weeks, depending on experience
Training schedule is generally Monday–Friday, 8:00 a.m.–4:30 p.m. Central Time
This is a remote position
After training, schedules may vary based on business and territory needs, with operating hours typically between 8:00 a.m. and 8:00 p.m. Eastern Time
Key Responsibilities
Underwrite new and renewal Personal Lines business within authority
Manage an assigned territory and portfolio to support profitable growth
Build strong partnerships with independent agents
Evaluate complex risks and make informed underwriting decisions
Collaborate with Product, Sales, Claims, and other business partners
Provide guidance and technical expertise to less experienced underwriters
This is an opportunity to join a growing team where you'll have the autonomy to make meaningful underwriting decisions, influence portfolio performance, and help drive long-term business success.
Job Description Summary
Success on our team requires a blend of customer service skill and analytical prowess. Each account we work on is interesting and challenging. Satisfaction comes from finding solutions that provide the best coverage and give our partner agents a way to differentiate themselves from the competition. If you are adaptable, responsive, love customers and really want to make a difference, we want to hear from you!Job Description
Key Responsibilities:
Researches agency, district, and market data for assigned underwriting territory to identify business trends and opportunities for profitable growth. Obtains data/information from published sources, company data bases, and partnerships with sales, claims, agency and portfolio or other contacts. May research issues in support of unit objectives and participate on committees or special projects.
Reviews individual risks for acceptability and handles those within authority based on company underwriting guidelines and standards. Uses critical thinking and understanding of the market and underwriting best practices to assess the total risk proposition and alternatives for acceptability. May analyze issues related to rules performance through automated systems.
Completes assigned underwriting transactions and tasks within established time and service standards. Strives to complete all transactions in a first time final mode. Meets overall timelines for project or team assignments.
Makes decisions to accept, modify or decline personal lines business based on underwriting analysis, best practices and judgment. Determines the proper classification of risks to ensure the matching of price and product to the customer. Decisions at this level may require review of additional variables, leveraging agency, sales and underwriting relationships, inspection reports and evaluation of exceptions. May perform quality assurance reviews from within the department to ensure acceptable decision making.
Plans completion of assignments to meet agreed upon timelines and service level agreements. Provides input and feedback regarding operational business plan.
Consults with agents and collaborates with internal partners regarding underwriting decisions. Uses underwriting curiosity to recommend additional products, coverages and discounts to ensure the agency and customer receive maximum value and adequate coverage. May consult regarding risk mitigation strategies. Provides technical expertise to underwriting associates and agents.
Communicates underwriting decisions to agencies and internal departments. Provides clear communication of rationale for decisions and options. Chooses most effective communication method based on issue, situation and audience. May communicate to various audiences regarding underwriting, product, rate classification and processes.
Strengthens agency relationships through regular contact on underwriting matters, promoting profit and new business growth, renewal retention and service capabilities. May participate in the management of agency performance as part of the underwriting team.
Responds to requests from agents and underwriting staff with resolution within established time and service standards. Handles escalated underwriting issues.
Educates internal and external partners on underwriting process, concepts and principles. Helps train and develop less experienced underwriting staff. Participates and/or leads training development or delivery as a subject matter expert. Identifies and communicates training needs and opportunities.
May perform other responsibilities as assigned.
Reporting Relationships: Reports to supervisor or manager. Individual Contributor.
Typical Education and Experiences:
Education: Bachelor's degree preferred.
License/Certification/Designation: Pursuit of technical insurance coursework such as CPCU preferred.
Experience: Two years of underwriting experience. Experience leading or working on complex projects and or task teams.
Knowledge, Abilities and Skills: Strong knowledge of underwriting policies, practices and insurance contracts. Understands and can articulate company product details and values. Working knowledge of core business functions, state specific statutes and regulations, pricing and marketing. Has a good understanding of competitor products and market conditions. Strong critical thinking and decision-making skills are required. Strong written and verbal communications skills are necessary to present information to all levels of internal and external contacts. Skilled in Excel and other analytical tools to evaluate data. Ability to train and develop lower level underwriters in all aspects of underwriting. Key competencies include: business acumen, functional/technical skills, command skills, interpersonal savvy, negotiating, problem solving, drive for results, managing and measuring work, customer focus, and decision quality. Ability to be flexible and adaptable to changing situations.
Other criteria, including leadership skills, competencies and experiences may take precedence.
Staffing Exceptions to the above Minimum Job Requirements must be approved by the: hiring manager’s leader and HRBP.
Values: Regularly and consistently demonstrates Nationwide Values.
Job Conditions:
Overtime Eligibility: Not Eligible (Exempt)
Working Conditions: Normal office environment. Occasional travel may be required to visit agencies or attend meetings. Extended or non-standard work hours as required to meet business need.
ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.
We currently anticipate accepting applications until 07/17/2026. However, we encourage early submissions, as the posting may close sooner if a strong candidate slate is identified before the deadline.Benefits
We have an array of benefits to fit your needs, including: medical/dental/vision, life insurance, short and long term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company-paid pension plan, business casual attire, and more. To learn more about the benefits we offer, click here.
Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law.
This position could be filled within any of the lower 48 U.S. states.Smoke-Free Iowa Statement: Nationwide Mutual Insurance Company, its affiliates and subsidiaries comply with the Iowa Smokefree Air Act. Smoking is prohibited in all enclosed areas on or around company premises as well as company issued vehicles. The company offers designated smoking areas in which smoking is permitted at each individual location. The Act prohibits retaliation for reporting complaints or violations. For more information on the Iowa Smokefree Air Act, individuals may contact the Smokefree Air Act Helpline at 888-944-2247.NOTE TO EMPLOYMENT AGENCIES:
We value the partnerships we have built with our preferred vendors. Nationwide does not accept unsolicited resumes from employment agencies. All resumes submitted by employment agencies directly to any Nationwide employee or hiring manager in any form without a signed Nationwide Client Services Agreement on file and search engagement for that position will be deemed unsolicited in nature. No fee will be paid in the event the candidate is subsequently hired as a result of the referral or through other means.
Nationwide pays on a geographic-specific salary structure and placement within the actual starting salary range for this position will be determined by a number of factors including the skills, education, training, credentials and experience of the candidate; the scope, complexity and location of the role as well as the cost of labor in the market; and other conditions of employment. If a Sales job, Sales Incentives, based on performance goals are possible in addition to this range. Note on Compensation for Part-Time Roles: Please be aware that the salary ranges listed below reflect full-time compensation. Actual compensation may be prorated based on the number of hours worked relative to a full-time schedule.The national salary range for Sr Underwriter - Personal Lines : $62,500.00-$115,500.00The expected starting salary range for Sr Underwriter - Personal Lines : $62,500.00 - $93,500.00After you apply, unlock the direct contact details of the people who actually make the call. A quick follow-up makes you 5x more likely to land an interview.
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