Senior Property Underwriter, Programs and Reinsurance

<h3>Accountabilities:</h3><li>Evaluate, select, price, and underwrite commercial property risks, including individual accounts and program business, in accordance with underwriting guidelines and business objectives.</li><li>Analyze complex property exposures, including catastrophe-prone risks, to determine appropriate coverage terms, pricing, deductibles, limits, and risk acceptance decisions.</li><li>Develop and maintain a profitable property underwriting portfolio by balancing risk selection, premium adequacy, exposure management, and growth opportunities.</li><li>Assess program business opportunities, evaluating their structure, underwriting performance, risk characteristics, and potential contribution to overall portfolio profitability.</li><li>Support reinsurance activities involving both assumed and ceded treaties, analyzing treaty structures, exposure profiles, pricing considerations, and associated risks.</li><li>Collaborate with leading reinsurance brokers and other industry partners to evaluate opportunities, exchange technical information, and develop appropriate underwriting solutions.</li><li>Prepare underwriting analyses and recommendations for senior leadership to support strategic decisions, portfolio optimization, and business expansion.</li><li>Monitor market conditions, catastrophe exposures, industry developments, and emerging risk trends to inform underwriting strategies and pricing decisions.</li><li>Apply sound technical judgment and analytical expertise to identify potential portfolio vulnerabilities and recommend appropriate risk mitigation measures.</li><li>Work collaboratively with internal underwriting, actuarial, and reinsurance teams to ensure consistent risk assessment, effective decision-making, and alignment with organizational goals.</li><h2>Requirements:</h2><li>At least seven years of professional experience in property underwriting, with a strong understanding of commercial property risk assessment and portfolio management.</li><li>Demonstrated experience underwriting both individual commercial property risks and program business.</li><li>Proven experience pricing catastrophe-exposed property, including the ability to evaluate exposure severity, potential losses, and appropriate underwriting terms.</li><li>A bachelor's degree is required.</li><li>Strong technical underwriting skills, including risk selection, pricing analysis, coverage evaluation, and assessment of property exposure.</li><li>Familiarity with reinsurance concepts, including assumed and ceded treaty arrangements, is valuable for supporting the role's reinsurance responsibilities.</li><li>Strong analytical and decision-making abilities, with the capacity to evaluate complex risks, interpret relevant data, and develop commercially sound underwriting recommendations.</li><li>Excellent communication and relationship-building skills, particularly when working with reinsurance brokers, internal stakeholders, and senior leadership.</li><li>Strong commercial awareness and the ability to balance portfolio growth, profitability, and risk management objectives.</li><li>A proactive, detail-oriented, and results-driven approach, with the ability to work independently and collaborate effectively in a remote environment.</li><li>Adaptability and a commitment to continuous learning, technical excellence, and professional development.</li><h2>Benefits:</h2><li>
<strong>Comprehensive health coverage:</strong>Medical, dental, and vision insurance fully paid by the employer for employees.</li><li>
<strong>Retirement savings:</strong>A 401(k) plan featuring immediate 100% vesting and a 4% company match.</li><li>
<strong>Paid time off:</strong>Paid vacation and holidays to support personal well-being and work-life balance.</li><li>
<strong>Life and disability protection:</strong>Access to life, disability, critical illness, and accident insurance.</li><li>
<strong>Employee Assistance Program:</strong>Resources and support for personal, emotional, and professional well-being.</li><li>
<strong>Flexible Spending Accounts:</strong>Pre-tax accounts for eligible healthcare, dependent care, and commuter-related expenses.</li><li>
<strong>Prescription convenience:</strong>Access to an on-site pharmacy service offering prescription delivery directly to employees.</li><li>
<strong>Tuition reimbursement:</strong>Financial support for eligible educational expenses and continued professional development.</li><li>
<strong>Fitness reimbursement:</strong>Support for eligible fitness-related expenses and healthy lifestyle initiatives.</li><li>
<strong>Additional quality-of-life benefits:</strong>A range of supplementary programs designed to enhance employee well-being and overall benefits.</li><li>
<strong>Remote work flexibility:</strong>The opportunity to work remotely while contributing to a growing property underwriting and reinsurance business.</li><li>
<strong>Professional development:</strong>Access to formal paid training, mentorship, and opportunities to expand underwriting expertise and advance professionally.</li><li>
<strong>Collaborative environment:</strong>Work alongside experienced insurance and reinsurance professionals in a culture that values initiative, accountability, and strong performance.</li>