Insurance Underwriter

The Homeowners Insurance Underwriter is responsible for evaluating, pricing, and managing residential property insurance accounts within a large global Property and Casualty Insurance organization. This role combines technical underwriting expertise, portfolio management, and analytical skills to ensure profitable growth while maintaining compliance with regulatory standards and internal underwriting guidelines. The underwriter works closely with the Underwriting Manager, insurance agencies, and brokers to assess risk, structure coverage, and support strategic business decisions for homeowners insurance accounts. Responsibilities:Evaluate homeowners insurance applications and renewal accounts by analyzing property characteristics, loss history, exposure, and risk factors. Determine coverage eligibility, appropriate limits, and premium pricing in accordance with underwriting guidelines and regulatory requirements. Collaborate with the Underwriting Manager on complex accounts to ensure optimal risk selection and portfolio balance. Monitor portfolio profitability, key performance indicators (KPIs), and loss ratios to identify trends and recommend strategic adjustments. Perform risk segmentation and exposure analysis to support portfolio optimization and underwriting strategies. Review and update underwriting standards and risk appetite guidelines as needed to reflect emerging trends and market conditions. Provide guidance on underwriting requirements, policy terms, and risk mitigation strategies to partners. Facilitate effective communication between internal underwriting teams and external stakeholders for seamless account management. Utilize advanced statistical tools (R, Python, Excel) to conduct regression analysis, loss ratio forecasting, and predictive modeling for portfolio and account-level insights. Prepare underwriting reports, risk assessments, and performance dashboards to inform management decisions and support regulatory reporting requirements. Leverage data-driven insights to recommend pricing adjustments, risk selection strategies, and portfolio enhancements. Requirements:Bachelors degree preferred; but not required Familiarity with underwriting guidelines and insurance regulations, homeowners insurance underwriting and risk assessment Strategic thinking and decision-making