Senior Business Development Underwriter, Commercial Lines - NorCal

In this Senior Business Development Underwriter role, you'll manage and grow a profitable book of business within assigned lines, acting as a senior underwriting and distribution partner to agents and internal stakeholders. You'll underwrite complex risks, set pricing strategies, and guide cross-sell initiatives to boost Commercial Lines growth. You'll lead agency engagement and provide strategic underwriting guidance to partners, shaping distribution and product positioning. This role offers impact through leadership, mentorship, and cross-functional collaboration in a growth-focused organization.

• competitive benefits package
• medical, dental, and vision plans
• 401K retirement plans and company match
• bonus potential
• paid time off
• paid holidays and hybrid work option

• Underwrite and price moderately to complex risks in line with guidelines
• Maintain profitability, growth, and retention of the portfolio
• Evaluate risk characteristics (operations, financials, management, loss history)
• Exercise advanced underwriting judgment to structure pricing and risk management
• Explain complex pricing structures and controls (retros, deductibles, large accounts)
• Monitor portfolio performance and take corrective actions to meet targets
• Stay current on regulatory and rating changes
• Drive new business production and cross-sell opportunities through proactive agency engagement
• Develop and manage a high-performing producer base aligned with strategy
• Mentor junior underwriters and guide agency management and deal structure
• Lead complex account and pricing discussions with agents and insureds
• Provide underwriting and distribution guidance to agents for complex risks
• Deliver responsive service and strategic recommendations to leadership and agencies
• Participate in training, onboarding, and knowledge sharing
• Contribute to special projects and process improvements
• Travel up to 50-75% for client meetings and events
• Operate in a hybrid work environment

• Minimum 5 years underwriting experience; 7+ years preferred
• Proven ability to underwrite complex risks and apply advanced underwriting judgment
• Strong business development, negotiation, and relationship management skills
• Ability to balance underwriting discipline with production and cross-sell expectations across Commercial Lines
• Experience evaluating submissions, financials, and loss data for decision-making
• Advanced knowledge of Commercial Lines products, including Workers' Compensation or Commercial Package
• Ability to mentor, coach, and influence others
• Excellent analytical, communication, and presentation skills
• Current driver's license

• Strong communication
• Negotiation
• Relationship management
• Advanced underwriting judgment
• Pricing structures (retros, deductibles, large account programs)
• Portfolio management