Commercial Underwriter - (Remote/Home Based)

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Job description

The world isn't standing still, and neither is Allstate. We're moving quickly, looking across our businesses and brands and taking bold steps to better serve customers' evolving needs. That's why now is an exciting time to join our team. You'll have opportunities to take risks, challenge the status quo and shape the future for the greater good.

You'll do all this in an environment of excellence and the highest ethical standards - a place where values such as integrity, inclusive diversity and accountability are paramount. We empower every employee to lead, drive change and give back where they work and live. Our people are our greatest strength, and we work as one team in service of our customers and communities. Plus, Allstate is changing how, when, and where we work-to lead us boldly into our future. We're empowering our employees to create better ways of working through more intentional use of communication and collaboration practices, processes and tools.

Everything we do at Allstate is driven by a shared purpose: to protect people from life's uncertainties so they can realize their hopes and dreams. For more than 89 years we've thrived by staying a step ahead of whatever's coming next - to give customers peace of mind no matter what changes they face. We acted with conviction to advocate for seat belts, air bags and graduated driving laws. We help give survivors of domestic violence a voice through financial empowerment. We've been an industry leader in pricing sophistication, telematics, digital photo claims and, more recently, device and identity protection. We are the Good Hands. We don't follow the trends. We set them.

Job Summary

The Underwriting team is responsible for providing underwriting support and direction to the sales management team and their marketing forces for the purpose of improving growth and profit opportunities for new and in-force commercial lines of insurance within assigned territories. The team performs various responsibilities centered on quality, communication and policy evaluation all in support of developing and maintaining a profitable book of business within the territories.

The Underwriting Consultant provides underwriting support and direction to sales management and their marketing forces for the purpose of improving growth and profit opportunities for new and in-force commercial lines of insurance within assigned territories. The Consultant builds and maintains agency relationships for the common purpose of providing extraordinary customer relationships, while profitably growing a multi-line book of business. The Consultant performs in a technical leadership capacity, assisting underwriting management in research/development and training. Additionally, the role participates in quality reviews, problem solving, and other discussions, with appropriate input and solution-oriented goals.

Key Responsibilities

Develop and Maintain a Profitable Book of Business

• Reviews, analyzes, and prepares quotes, new business, endorsements, and renewals, within referral guidelines for position
• Prepares recommendations on referral files outside of authority
• Tracks and analyzes performance and profitability trends within territory

Support Quality, Production, and Service Level Agreement Goals

• Work is within set parameters of quality and production standards, as applicable, and within agreed upon Service Level Agreements and state regulations
• Works with team to perform quality reviews, production trends, and adherence to Service Level Agreement goals; makes recommendations for improvements

Communicates Information

• Effectively communicates additional information needs, analysis process within eligibility guidelines, and decisions, to sales producers and management
• Instructions are clear and within Best Practice adopted by organization
• Answers complex inquiries and complaints regarding interpretation of policy, procedures, rules, and regulations
• Assists team members to understand and apply basic policies, procedures, and theories

Assists in Formulation of Plans, Programs, Policies, and Procedures

• Works with team to review plans, programs, policies, and procedures to evaluate current results, identify opportunity areas, and contributes to the formation of actions plans

Processes Information

• Identifies unprofitable and problem risks/accounts and producers
• Confers with agents/customers/field management/underwriting management regarding underwriting concerns

Documents Information

• File documentation is clear and within Best Practice adopted by organization
• Prepares complex reports, proposals, and/or presentations

Knowledge/Skills/Abilities/Experience

Experience

• 5 years underwriting experience
• College degree

General knowledge of:

• Company organization, structure, operations, objectives, and performance
• Insurance industry rules, regulations, and legal requirements
• Familiarity of assigned territory, including competitive position and marketplace

Advanced knowledge of:

• Computer programs such as Word, Excel, Outlook, PowerPoint
• Multi-line products
• Physical, financial, and motor vehicle records reports
• All rating plans
• Financial/business/hazard/premium analysis
• All underwriting/rating systems

Advanced Working Skill/Ability

• Strong written and oral communication, including presentations
• Assimilate information and make decisions
• Ability to make recommendations to guidelines, processes, and procedures to positively affect the top and bottom line of the organization
• Ability to implement recommendations, once approved, with minimal supervision
• Resolve conflicts and solve problems
• Use of tact/empathy/influence in dealing with agents, co-workers, etc.
• Ability to represent company vision and strategies to multiple audiences
• Regular, predictable attendance

The candidate(s) offered this position will be required to submit to a background investigation, which includes a drug screen.

Good Work. Good Life. Good Hands®.

As a Fortune 100 company and industry leader, we provide a competitive salary - but that's just the beginning. Our Total Rewards package also offers benefits like tuition assistance, medical and dental insurance, as well as a robust pension and 401(k). Plus, you'll have access to a wide variety of programs to help you balance your work and personal life including a generous paid time off policy. For a full description of Allstate's benefits, visit allstate.jobs/benefits

Learn more about life at Allstate. Connect with us on Twitter, Facebook, Instagram and LinkedIn or watch a video.

Allstate generally does not sponsor individuals for employment-based visas for this position.

Effective July 1, 2014, under Indiana House Enrolled Act (HEA) 1242, it is against public policy of the State of Indiana and a discriminatory practice for an employer to discriminate against a prospective employee on the basis of status as a veteran by refusing to employ an applicant on the basis that they are a veteran of the armed forces of the United States, a member of the Indiana National Guard or a member of a reserve component.

For jobs in San Francisco, please click "here" for information regarding the San Francisco Fair Chance Ordinance.
For jobs in Los Angeles, please click "here" for information regarding the Los Angeles Fair Chance Initiative for Hiring Ordinance.

To view the "EEO is the Law" poster click "here". This poster provides information concerning the laws and procedures for filing complaints of violations of the laws with the Office of Federal Contract Compliance Programs

To view the FMLA poster, click "here". This poster summarizing the major provisions of the Family and Medical Leave Act (FMLA) and telling employees how to file a complaint.

It is the Company's policy to employ the best qualified individuals available for all jobs. Therefore, any discriminatory action taken on account of an employee's ancestry, age, color, disability, genetic information, gender, gender identity, gender expression, sexual and reproductive health decision, marital status, medical condition, military or veteran status, national origin, race (include traits historically associated with race, including, but not limited to, hair texture and protective hairstyles), religion (including religious dress), sex, or sexual orientation that adversely affects an employee's terms or conditions of employment is prohibited. This policy applies to all aspects of the employment relationship, including, but not limited to, hiring, training, salary administration, promotion, job assignment, benefits, discipline, and separation of employment.

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