Commercial Production Underwriter

FM seeks a Production Underwriter to build and profitably grow a commercial insurance portfolio. You will underwrite new and renewal business, evaluating financials, operations, and loss history to determine risk quality, pricing, and coverage terms. Partner closely with brokers to develop opportunities, negotiate structures, and win attractive accounts while maintaining strong underwriting discipline. You'll monitor portfolio performance, collaborate with claims and actuarial, and recommend adjustments to guidelines and appetite. This role suits a commercially minded underwriter who enjoys market-facing work and data-driven decisions.

Responsibilities

• Underwrite and price new and renewal commercial accounts within authority levels

• Analyze risk characteristics, financials, and loss history to determine terms and conditions

• Negotiate coverage, pricing, and structures with brokers and agents

• Manage and grow a profitable book of business aligned with company risk appetite

• Collaborate with claims, actuarial, and sales to optimize portfolio performance

• Ensure adherence to underwriting guidelines, regulations, and company policies

• Prepare proposals, quotations, and documentation in policy admin systems

• Monitor portfolio results and recommend corrective actions when needed

• Contribute to product, coverage, and underwriting guideline improvements

• Support junior underwriters and share market and risk insights with the team Required Skills

• Commercial underwriting

• Risk assessment

• Financial statement analysis

• Property & casualty insurance

• Pricing and rating tools

• Portfolio management

• Regulatory compliance

• Underwriting guidelines development

• Data analysis and reporting

• CRM and policy admin systems