Responsible for underwriting individual nonprofit risks by determining acceptability, pricing, coverage, terms, and conditions through the analysis and evaluation of complex information. Operate with a high level of authority and independent judgment while meeting production and loss ratio objectives with assigned agents and brokers. Review claims activity and loss history, taking appropriate actions to manage and improve account performance. Build strong working relationships with colleagues, agents, and brokers. Support departmental strategy, contribute to employee development, and mentor assigned Assistant Underwriters.

• Underwrite and manage a profitable portfolio of nonprofit middle market accounts in accordance with underwriting guidelines and risk characteristics as assigned.
• Develop and maintain strong business relationships with agents representing nonprofit organizations, including food banks, homeless shelters, group homes, home health care agencies, religious organizations, and daycare facilities.
• Support regional nonprofit underwriting initiatives, including participation in training and marketing visits, with occasional travel as needed.
• Assess loss exposures, determine appropriate premium levels, and apply accurate endorsements and exclusions with a high degree of technical expertise.
• Achieve individual and team production and loss ratio goals by applying sound underwriting judgment and best practices.
• Take a proactive, solution-oriented approach to complex coverage, terms, and conditions issues.
• Review Loss Control reports and recommendations, collaborating with agents and brokers to ensure compliance and risk improvement.
• Manage policy maintenance activities and mid-term account changes.
• Perform additional duties as assigned.

Education: Bachelor’s degree preferred; equivalent related work experience may be considered in lieu of a degree.

Licenses/Certifications/Designations Completion or progress toward professional insurance designations such as CPCU, CIC, AU, ARM, CPIW, CWIS, or ASLI preferred.

Experience Minimum of five years of package underwriting experience, including two to three years specializing in nonprofit underwriting.

Knowledge Strong knowledge of nonprofit underwriting practices, insurance laws, underwriting and marketing principles, and risk evaluation methodologies.

Skills and Competencies

• Excellent written, verbal, and interpersonal communication skills across multiple platforms, including phone, email, Teams, and in person.

• • Advanced negotiation and relationship-management skills.
  • Proven expertise in evaluating highly complex risks, policy language, and coverage structures.
  • Strong analytical skills with the ability to interpret mathematical, statistical, and logical data.
  • Skilled in developing and implementing effective solutions to complex business problems and monitoring outcomes.
  • Ability to make independent decisions on complex matters with limited direction.
  • Experience training and mentoring underwriting assistants.
  • Ability to incorporate market trends and competitor intelligence into underwriting strategies.
  • Adaptable, flexible, and receptive to change.
  • Working knowledge of Microsoft Excel and related underwriting systems.

This job description is designed to provide a general overview of the requirements of the job and does not entail a comprehensive listing of all activities, duties, or responsibilities that will be required in this position. AmTrust reserves the right to revise this job description at any time.

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What We Offer

AmTrust Financial Services offers a competitive compensation package and excellent career advancement opportunities. Our benefits include: Medical & Dental Plans, Life Insurance, including eligible spouses & children, Health Care Flexible Spending, Dependent Care, 401k Savings Plans, Paid Time Off.

AmTrust strives to create a diverse and inclusive culture where thoughts and ideas of all employees are appreciated and respected. This concept encompasses but is not limited to human differences with regard to race, ethnicity, gender, sexual orientation, culture, religion or disabilities.

AmTrust values excellence and recognizes that by embracing the diverse backgrounds, skills, and perspectives of its workforce, it will sustain a competitive advantage and remain an employer of choice. Diversity is a business imperative, enabling us to attract, retain and develop the best talent available. We see diversity as more than just policies and practices. It is an integral part of who we are as a company, how we operate and how we see our future.