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About the Role

Seeking an experienced Binding Authority Underwriter to join a growing team focused on delivering profitable business through strong broker relationships, disciplined underwriting, and strategic portfolio management. This role balances technical risk evaluation with business development, managing new business, renewals, and endorsements while partnering with brokers to identify opportunities, negotiate terms, and drive sustainable growth.

Responsibilities

Underwrite and price new business, renewals, and endorsements within delegated binding authority.
Evaluate submissions and exposures to determine appropriate pricing, coverage terms, and underwriting strategy.
Select and verify classification codes, rating exposures, and premium calculations.
Apply underwriting judgment to determine credits, debits, and pricing adjustments that support profitable business outcomes.
Determine appropriate coverage forms, endorsements, and policy structure based on risk characteristics.
Clearly communicate quote terms, conditions, and underwriting requirements to brokers.
Maintain thorough and accurate underwriting documentation and decision rationale within company systems.
Coordinate timely policy issuance and endorsement processing.
Order and review inspection reports to validate exposures and assess risk quality.
Manage broker, customer, and agency relationships to support retention and new business growth.
Monitor production pipelines and identify opportunities to expand the portfolio.
Participate in stewardship meetings, broker visits, marketing initiatives, and industry events.
Collaborate with underwriting colleagues and cross-functional teams to develop comprehensive solutions for complex risks.
Ensure underwriting decisions align with company guidelines, authority levels, regulatory requirements, and portfolio objectives.

Requirements

Bachelor's degree in Business, Risk Management, Insurance, or a related discipline; equivalent professional experience may be considered.
Minimum of 5 years of Binding Authority underwriting experience.
Experience underwriting new business, renewals, and endorsements.
Strong understanding of commercial insurance products, policy forms, coverage analysis, and underwriting principles.
Demonstrated ability to evaluate risk exposures and make sound underwriting decisions.
Experience managing broker relationships and negotiating coverage terms and pricing.
Strong analytical, communication, and organizational skills.
Ability to manage multiple priorities in a fast-paced underwriting environment.
State P&C and/or surplus lines licensing requirements as applicable.
Master's degree in Business Administration, Risk Management, Insurance, or a related field (Preferred).
CPCU (Chartered Property Casualty Underwriter) designation (Preferred).
CIC (Certified Insurance Counselor) designation (Preferred).
Experience managing a profitable underwriting portfolio within delegated authority (Preferred).
Existing broker relationships and market-facing experience (Preferred).
Experience participating in business development, marketing, and stewardship activities (Preferred).

Skills

Risk evaluation
Business development
Underwriting
Portfolio management
Broker relationship management
Negotiation
Pricing
Coverage analysis
Analytical skills
Communication skills
Organizational skills

Location

Remote

Work Type

Full-time

Experience Level

5+ years

Education Level

Bachelor's Degree
Master's Degree (Preferred)
CPCU (Preferred)
CIC (Preferred)

Salary/Compensations

$78,750.00 - $80,000.00 annually

Benefits

Paid time off for company holidays, vacation, sick and personal days
Paid parental leave
Mental health services
Bonuses (for full-time roles)
Comprehensive and best-in-class benefits package

About the Company

RT Specialty, a division of Ryan Specialty, is a leading wholesale distributor of specialty insurance products and services.
Our experienced brokers are specialized in property, casualty, professional lines, transportation and workers’ compensation, providing creative solutions to retail brokerage firms.
We define ourselves through our superior execution on behalf of our clients, which has established us as a leader in the industry.

Equal Opportunity

Ryan Specialty is an Equal Opportunity Employer.
We are committed to building and sustaining a diverse workforce throughout the organization.
Our vision is an inclusive and equitable workplace where all employees are valued for and evaluated on their performance and contributions.
Differences in race, creed, color, religious beliefs, physical or mental capabilities, gender identity or expression, sexual orientation, and many other characteristics bring together varied perspectives and add value to the service we provide our clients, trading partners, and communities.
This policy extends to all aspects of our employment practices, including but not limited to, recruiting, hiring, discipline, firing, promoting, transferring, compensation, benefits, training, leaves of absence, and other terms, conditions, and benefits of employment.
We provide individuals with disabilities reasonable accommodations to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment in accordance with applicable law.