Senior E&S Commercial Underwriter

Position Summary: The Senior Excess & Surplus (E&S) Commercial Underwriter is responsible for evaluating, selecting, pricing, and managing complex excess and surplus (E&S) property risks that fall outside standard market appetites. This role focuses on underwriting highly customized solutions and requires deep technical underwriting expertise that includes commercial coastal residential or non-residential property, including lessor's risks and/or warehouses, as well as knowledge of commercial sprinkler system ratings and fire protection standards, as well as familiarity with Florida, Texas, and/or South Carolina property markets.

Note: This is a hybrid position that requires attendance each Monday and Wednesday at our St. Petersburg, FL office. If based outside the Tampa Bay region, the incumbent will be required to be on site periodically.

Typical Essential Duties: Underwrites and evaluates E&S commercial property accounts, specializing in commercial coastal residential or non-residential exposures. Assesses risks for lessor's risk, warehouse, and other specialty property segments. Analyzes and interprets commercial sprinkler system ratings, fire protection requirements, and safety standards. Develops and maintains broker and client relationships within target markets. Applies best practices and compliance standards to underwriting processes. Monitors market trends and regulatory updates relevant to E&S property in Florida and other states, including Texas, and South Carolina. Assists in setting the underwriting direction of American Coastal Insurance Company in all states in which the company does business. Contributes to the development, implementation, and monitoring of all underwriting rules, guidelines, policies, and procedures. Conducts renewal underwriting to ensure acceptability of risks and to improve the performance of the book of business. Collaborates with Product Management on development of new products and programs. Collaborates with Claims on resolution of coverage issues and adverse risk development. Collaborates with Marketing to communicate company underwriting policies to the field. Analyzes wholesaler book of business on semi-annual basis for potential profitability actions and reviews, communicates with Sales leaders. Participates in cross-departmental projects, including audits and user acceptance testing. Mentors and educates less-experienced underwriters and underwriting assistants. Fosters a culture of innovation, transparency, and accountability within the department and between department and others in the organization. Performs other duties as required or assigned that are reasonably within the scope of the duties in this job description. This job description summarizes typical functions of the job and is not an exhaustive or comprehensive list of all possible responsibilities, tasks, and duties related to the position. Requirements and Competencies

Education/Licensure: Bachelor’s degree preferred. Professional designation/coursework (AIM, AINS, AU, AIC, ARM or CPCU) preferred.

Experience: Minimum of five (5) years of experience in Commercial or E&S Commercial Property Underwriting. Experience underwriting lessor’s risks and/or warehouses, expertise with coastal property risks (commercial coastal residential or non-residential), and familiarity with Florida, Texas, and/or South Carolina markets preferred. An equivalent combination of education and experience sufficient to successfully perform the essential duties of the job may be acceptable in lieu of the Education and Experience requirements listed above.

Skills and Abilities: Demonstrates in-depth understanding of regional market dynamics, regulatory requirements, and broker networks in Florida, Texas, and/or South Carolina. Ability to: Align resources and processes to ensure strategic priorities yield measurable and stainable results. Anticipate obstacles and define alternative strategies. Partner with other functional areas to accomplish objectives. Gather information, identify trends, and apply findings to operations. Interpret and apply policies and identify and recommend changes as appropriate. Initiate projects, measure risks and analyze impact on the business. Lead and develop the knowledge and skills of team members to enhance individual and team success. Ensure appropriate workload management and productivity of the team to achieve an optimal level of job performance. Facilitate meetings, ensuring that all viewpoints, ideas, and problems are addressed. Support organizational initiatives and culture throughout the Company. Proven experience in:change management, status reporting, and issue/risk management, with emphasis on organizational skills, attention to detail, communication, and collaboration.applying analytical and problem-solving skills when participating in or managing audits of varying sizes and complexities.successfully navigating a fast-paced, team-oriented environment. Excellent verbal and written communication proficiency. Strong interpersonal expertise, including use of tact, patience, courtesy, and collaboration. Demonstrable computer application skills including Microsoft Office Suite of programs and the ability to learn various internal and/or proprietary software packages. Microsoft Excel experience: intermediate skill level. Strong understanding of insurance products, financials, policy systems and service requirements. Effective use of office machinery such as photocopiers, printers, and scanners.

Physical Requirements: Travel may be required. Sedentary Work: The duties most often are considered Sedentary Work include exerting up to 10 pounds of force occasionally or a negligible amount of force frequently to lift, carry, push, pull, or otherwise move objects, including the human body. Sedentary work involves sitting most of the time but may involve walking or standing for brief periods of time. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.