Senior Remote Underwriter – Commercial Lines

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Company: The Elite Job

Location: United States

Employment Type: FULL_TIME, PART_TIME

Date Posted: 2025-10-25

Valid Through: 2026-10-25

Job Summary

The Elite Job is seeking a highly skilled and motivated Senior Remote Underwriter – Commercial Lines to join our dynamic insurance team. In this fully remote role, you will be responsible for assessing, evaluating, and managing commercial insurance risks while maintaining strong client relationships. You will utilize your underwriting expertise to make informed decisions, ensure compliance with company policies, and contribute to the profitability and growth of our commercial lines portfolio. This position offers the flexibility of working from home while being part of a collaborative, innovative, and high-performing team.

Key Responsibilities

  • Evaluate and underwrite commercial insurance applications, including property, liability, and specialty lines, ensuring compliance with company guidelines.

  • Conduct risk assessments, analyze financial statements, loss histories, and other relevant documentation to determine appropriate coverage and pricing.

  • Collaborate with brokers, agents, and internal teams to structure tailored insurance solutions for clients.

  • Review and negotiate policy terms, conditions, and endorsements to optimize risk management strategies.

  • Monitor portfolio performance, track trends, and recommend adjustments to underwriting standards as needed.

  • Provide guidance and mentorship to junior underwriters and support staff.

  • Maintain accurate records of underwriting decisions, risk assessments, and client interactions using internal systems.

  • Stay current with industry trends, regulatory changes, and emerging risks in commercial insurance.

Required Skills and Qualifications

  • Bachelors degree in Finance, Business, Risk Management, Insurance, or a related field.

  • Strong knowledge of commercial insurance products, risk assessment, and underwriting practices.

  • Excellent analytical skills with the ability to interpret complex financial and risk data.

  • Exceptional communication and negotiation skills for client and broker interactions.

  • Proficiency in underwriting software, Microsoft Office Suite, and risk management tools.

  • Strong decision-making abilities, attention to detail, and time management skills.

Experience

  • Minimum 5–7 years of experience in commercial lines underwriting.

  • Proven track record in assessing risks, managing portfolios, and achieving underwriting targets.

  • Experience mentoring junior underwriters or leading small teams is highly desirable.

  • Remote work experience is a plus but not mandatory.

Working Hours

  • Full-time, flexible remote schedule.

  • Core hours: Monday to Friday, 9:00 AM – 5:00 PM (flexibility available based on client requirements).

Knowledge, Skills, and Abilities

  • Deep understanding of commercial insurance policies, risk exposure, and claims management.

  • Ability to analyze complex information and make sound, data-driven decisions.

  • Strong interpersonal skills to foster client relationships and collaborate effectively with team members.

  • Self-motivated, detail-oriented, and able to work independently in a remote environment.

  • Adaptable and proactive in addressing emerging challenges in the insurance market.

Benefits

  • Competitive salary and performance-based incentives.

  • Comprehensive health, dental, and vision coverage.

  • Retirement savings plans with company matching.

  • Paid time off and holidays.

  • Professional development opportunities and continued education support.

  • Fully remote work environment with flexible scheduling.

Why Join The Elite Job

  • Be part of a leading insurance company known for innovation and excellence in commercial underwriting.

  • Work remotely while contributing to high-impact projects and client solutions.

  • Collaborate with a team of experienced professionals in a supportive, inclusive, and growth-focused culture.

  • Access continuous learning opportunities and career advancement pathways.

How to Apply

Interested candidates are invited to submit their resume and a cover letter highlighting relevant underwriting experience to us with the subject line: Senior Remote Underwriter – Commercial Lines Application. Shortlisted candidates will be contacted for a virtual interview.

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