Underwriter

FM is seeking an Underwriter to evaluate and price risk, structure coverage, and manage a portfolio of accounts. In this role, you will review submissions, financials, and loss histories; determine terms, limits, and pricing; and issue quotes and policies within delegated authority. You'll partner closely with brokers, agents, and internal sales to grow a profitable book, while ensuring strict adherence to underwriting guidelines and regulatory standards. The ideal candidate brings strong analytical skills, underwriting experience, and the ability to communicate complex risk decisions clearly. Hybrid work and competitive benefits offered.

Responsibilities

• Analyze submissions, financials, and loss histories to assess risk and determine appropriate terms and pricing.

• Prepare and issue quotes, binders, and policies in line with underwriting guidelines and authority.

• Manage a portfolio of accounts, monitoring performance, renewals, and profitability.

• Collaborate with brokers, agents, and internal sales teams to drive profitable growth.

• Ensure compliance with company underwriting standards and regulatory requirements.

• Use data, models, and rating tools to support sound underwriting decisions.

• Participate in underwriting audits and continuous improvement initiatives.

• Document decisions and maintain accurate, timely records in underwriting systems.

Required Skills

• Commercial underwriting

• Risk assessment

• Financial statement analysis

• Credit analysis

• Insurance policy drafting

• Pricing and rating tools

• Regulatory compliance

• Data analysis in Excel

• Portfolio management

• Client relationship management