Underwriting

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1d ago

Senior Business Development Underwriter

ICW Group Pleasanton, CA

Pleasanton, CA

1d ago

$104k - $176k/yr Full time Account Management Business Development Commercial Underwriting

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Job Description

ICW Group is seeking a Senior Business Development Underwriter to join its Pleasanton, CA team in a hybrid capacity. This role combines senior underwriting leadership with strategic distribution, responsible for developing and growing a profitable book of business across assigned lines and expanding Commercial Lines growth through proactive agency partnerships and cross-sell initiatives. You will serve as a trusted underwriting and distribution partner to agents and internal stakeholders, balancing robust risk assessment with strategic growth objectives.

Compensation

Salary: USD 104,125 - 175,599 per year

Location

Pleasanton, California (hybrid)

Responsibilities

Underwrite, select, and price moderately to complex risks within assigned lines in line with company guidelines
Hold accountability for profitability, growth, and retention of the assigned portfolio
Analyze risk characteristics including operations, financials, management, and loss history
Apply advanced underwriting judgment and authority to structure, price, and manage complex accounts
Use underwriting authority to set pricing, credits/debits, deductibles, and alternative rating structures
Present and explain intricate pricing structures such as retros and large account programs when applicable
Monitor portfolio performance and take proactive corrective actions to meet underwriting targets
Stay current on regulatory, rating, and coverage changes (e.g., WCIRB/NCCI, ISO/AAIS)
Drive new business production and growth through proactive agency engagement, prospecting, and cross-sell execution
Develop, manage, and optimize a high-performing producer network aligned to company strategy
Hold producers accountable for production, quality, and profitability expectations
Promote profitable sales across all Commercial Lines products, expanding penetration and supporting new product introductions
Identify and lead cross-sell opportunities, partnering with underwriting teams to deliver total account solutions
Prospect, prequalify, and appoint new producers with strong alignment to target segments
Set and manage production goals with key agency partners
Maintain deep knowledge of the assigned territory, including competitor positioning and market dynamics
Influence distribution strategy, product positioning, and market opportunities
Represent the company as a lead contact with strategic agency partners
Build and maintain collaborative relationships through regular agency engagement, presentations, and strategic planning
Lead complex account and pricing discussions with agents and insureds
Provide underwriting and distribution guidance to agents, including structuring solutions for complex risks
Deliver responsiveness, service, and professionalism in all interactions
Present agency performance insights, growth opportunities, and strategic recommendations to leadership and agency partners
Mentor and support the development of Business Development Underwriters and junior staff
Provide guidance on underwriting approach, agency management, and deal structure
Participate in training, onboarding, and knowledge sharing across the team
Contribute to special projects, product initiatives, and process improvements as assigned

Requirements

Bachelor's degree in Business, Finance, Risk Management, or related field, or equivalent experience
Minimum five years of underwriting experience required; seven or more years preferred, including handling more complex risks and agency relationships
Current driver's license required
Proven success building and managing high-value agency relationships and driving profitable growth
Ability to underwrite complex risks with advanced underwriting judgment
Strong business development, negotiation, and relationship management skills
Capacity to balance advanced underwriting discipline with production and cross-sell expectations across Commercial Lines
Skill evaluating submissions, financials, and loss data to support complex decision-making
Advanced knowledge of Commercial Lines products, including Workers’ Compensation and Commercial Package coverages
Ability to mentor, coach, and influence others
Strong analytical, communication, and presentation skills

Benefits

Challenging work with impact and a voice in the organization
Competitive benefits package including medical, dental, and vision plans, plus 401(k) with company match
Bonus potential for all positions
Paid time off and paid holidays throughout the year
Commitment to ongoing learning and development

Physical Requirements

Office-based role with standard physical demands; regular sitting, walking, standing, talking, and hearing
Travel required 50-75% of the time to meet with clients, attend industry events, and develop new business opportunities
Travel is primarily by automobile with occasional air travel
Regular visits to external locations such as producers' offices