Commercial Lines Marketing and Underwriting Senior Specialist - South Texas

SUMMARY 

The Commercial Lines Marketing and Underwriting Senior Specialist (SBDS) develops, manages, and strategically grows independent agency relationships, with a primary focus on agency marketing, new business production, and retention of existing business within an assigned region or territory. Through regular agency engagement and field marketing activities, this role identifies business opportunities, strengthens agency partnerships, and drives profitable growth. The incumbent also applies underwriting expertise to review, analyze, approve, or decline complex business within their letter of authority. Serves as a liaison with company personnel regarding business opportunities and problem resolution and assists in developing and executing the territory's or region's overall agency plan.

This position involves field-based work requiring travel within the assigned market/territory. Residency within or in close proximity to the designated market is required to support job responsibilities.

RESPONSIBILITIES/TASKS

• Calculate, prepare, and develop premium quotations in accordance with corporate underwriting guidelines and delegated authority.
• Determine underwriting eligibility, analyze account exposures, and accept or reject new business, renewals, endorsements, and policy changes within authority limits.
• Evaluate agency production, loss experience, and profitability to identify trends and implement corrective action plans as needed.
• Manage an assigned territory or region, with accountability for new business development, retention, profitability, and growth objectives.
• Develop, maintain, and strengthen agency relationships through regular consultation, service, and business planning.
• Address agent and policyholder inquiries and coordinate solutions to customer, operational, and service-related issues.
• Promote workers' compensation insurance products and services while identifying opportunities to expand business within the territory.
• Gather and analyze market, competitive, and product intelligence to support territory and business strategies.
• Interpret territory performance reports and prepare periodic reports, recommendations, and business analyses as requested.
• Collaborate with Claims, Loss Control, Premium Audit, and other internal departments to develop and execute service strategies for agents and policyholders.
• Research and coordinate responses to agents, policyholders, regulatory entities, and other business partners.
• Participate in agency appointments, onboarding, training, and annual agency audit activities.
• Negotiate and manage consultative agreements and service plans with designated agency partners.
• Represent the company at industry events, trade associations, agency meetings, and promotional activities.
• Provide input into agency advisory councils, rate reviews, regional planning initiatives, and other strategic projects.
• Assist in establishing regional goals and contribute to territory and organizational business planning.
• Serve as a technical resource and subject matter expert within the region or territory.
• Lead training and knowledge-sharing sessions for team members, agents, policyholders, and business partners.
• Mentor and develop Business Development Consultants and other team members through coaching, guidance, and support.
• Demonstrate leadership by serving as a backup to the Regional Manager and supporting special committees, task forces, and organizational initiatives.

This position description identifies the responsibilities and tasks typically associated with the performance of the position.  Other relevant essential functions may be required.

EMPLOYMENT QUALIFICATIONS:

EDUCATION AND EXPERIENCE:

Relevant combination of education and experience may be considered in lieu of degree.

• Bachelor’s degree in marketing, insurance or related field. MBA or other advanced degree is preferred.
• Certification, or progress toward, highly preferred and encouraged. 
• Seven (7) years of experience in an insurance organization with demonstrated technical knowledge in one or more of the following areas: underwriting, marketing, loss prevention, auditing or similar knowledge that provide the necessary skills and abilities.
• Continuous learning required, as defined by the Company’s learning philosophy.
• Monoline Workers’ compensation or Multiline P&C insurance experience required. 

SKILLS/KNOWLEDGE/ABILITIES (SKA) REQUIRED: 

• Ability to exercise advanced judgment skills in evaluating and determining the proper pricing for prospective policyholders using corporate underwriting guidelines by accepting or rejecting risks for the purposes of issuing workers’ compensation insurance coverage.
• Ability to manage agency relationships and demonstrated ability to make sound underwriting decisions.
• Advanced knowledge of appropriate jurisdictional workers compensation laws.
• Ability to calculate expected pricing, dividends, and premium quotations for agents and policyholders.
• Ability to analyze territory or region in order to identify problems and take the appropriate corrective action.
• Ability to comprehend the consequences of various problem situations and address them or refer them for appropriate decision making.
• Ability to effectively exchange information clearly and concisely, and present ideas, reports, facts and other information, and respond to questions as appropriate.
• Ability to be innovative and creative when presented with unique situations.
• Excellent verbal and written communication skills with the ability to effectively communicate with agents, policyholders and internal customers.
• Ability to analyze and solve practical problems which deal with a variety of variables.
• Ability to make competent, independent decisions.
• Ability to analyze and manage data.
• Ability to meet customers changing needs.
• Excellent time management and organizational skills with the ability to shift priorities appropriately.
• Ability to understand and implement audit procedures and processes for agencies.
• Ability to exercise excellent judgment in evaluating and determining the proper pricing for prospective policyholders using corporate underwriting guidelines by accepting or rejecting risks for the purposes of issuing workers’ compensation insurance coverage.
• Knowledge of occupational classification codes, loss ratios, claims histories, retention plan, scheduled rating related to workers compensation.
• Demonstrated ability to manage agency relationships.
• Demonstrated ability to make sound underwriting decisions.
• Thorough knowledge of appropriate jurisdictional workers compensation laws.
• Ability to calculate expected pricing, dividends, and premium quotations for agents and policyholders.
• Ability to analyze territory or region in order to identify problems and take the appropriate corrective action.
• Ability to comprehend the consequences of various problem situations and address them or refer them for appropriate decision making.
• Ability to assist management in the development and implementation of regional or territory goals
• Ability to effectively exchange information clearly and concisely, and present ideas, reports, facts and other information, and respond to questions as appropriate.
• Ability to communicate our value proposition as a carrier.
• Ability to be innovative and creative when presented with unique situations.
• Excellent oral and written communication skills with the ability to effectively communicate with agents and policyholders.
• Ability to analyze and solve practical problems which deal with a variety of variables.
• Ability to make competent, independent decisions.
• Ability to understand and implement audit procedures and processes for agencies
• Demonstrated superior judgment in evaluating and determining the proper pricing for prospective policyholders using corporate underwriting guidelines by accepting or rejecting risks for the purposes of issuing workers’ compensation insurance coverage.
• Demonstrated superior judgment and analytical abilities to analyze regions and/or territories and identify corrective action.
• Thorough knowledge of departmental procedures, processes and workflow.
• Extensive knowledge of appropriate jurisdictional workers’ compensation laws, regulatory authorities, industry trends and their impact.
• Ability to take a lead role and/or assist in training and mentoring of others.
• Ability to understand business needs and conceptualize and implement processes and procedures that support business strategies.
• Ability to research workers compensation laws, regulations or issues specific, in order to offer guidance and/or direction to others.
• Ability to train and mentor others.
• Demonstrated ability to communicate our value proposition as a carrier.
• Demonstrated leadership abilities.
• Demonstrated expertise regarding territory or region.

WORKING CONDITIONS: 

Work is performed both in a virtual office and in the field with minimal hazards. Travel is required with occasional overnight stays.  Must possess a valid driver’s license with a record that meets corporate standards. May be required to lift and carry computer equipment and other marketing promotional items weighing up to 35 lbs.  

Pay Range - Actual compensation decision relies on the consideration of internal equity, candidate’s skills and professional experience, geographic location, market, and other potential factors. It is not standard practice for an offer to be at or near the top of the range, and therefore a reasonable estimate for this role is between $101,650 and $170,335.

The qualifications listed above are intended to represent the minimum education, experience, skills, knowledge and ability levels associated with performing the duties and responsibilities contained in this job description. 

We are an Equal Opportunity Employer. We will not tolerate discrimination or harassment in any form. Candidates for the position stated above are hired on an "at will" basis. Nothing herein is intended to create a contract.

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