Personal Lines Property and Casualty Underwriter - ll

Personal Lines Property and Casualty Underwriter - ll

Bedford, NS, Canada Job Description

Why Portage Mutual?

Total Rewards : We care about your well‑being and financial security. That’s why we offer a competitive salary, incentive plan, comprehensive health benefits, a pension plan and generous paid time off, including personal days.

Career

Growth & Development : Propel your career forward with access to diverse learning resources, tuition reimbursement for relevant programs, and bonuses recognizing your achievements in pursuing insurance designations.

Flexibility : We support work–life integration by offering a flexible environment where you can choose to live wherever you prefer in Canada. Enjoy the freedom to select remote, in‑office, and hybrid work arrangements that best suit your lifestyle.

Inclusivity and Belonging : Be a part of a supportive and diverse team that embraces your unique perspective and empowers you to succeed. We’re dedicated to creating a workplace where every employee feels welcomed, valued and respected.

Making a Difference : Find purpose in your career by aligning with an organization that shares your values and is committed to making a difference in the communities we serve.

The Opportunity: Intermediate Underwriter (Bedford, NS) Evaluating and underwriting moderately complex, high-value property and casualty insurance risks in line with company guidelines and risk appetite. Conducting strategic risk assessments and leveraging market research to inform underwriting decisions. Building and maintaining strong relationships with brokers and internal stakeholders to support business development.

Mentoring junior underwriters and providing expert guidance to support team capability and consistency. Representing the company at industry events and ensuring underwriting practices stay aligned with evolving regulations and market trends. What You’ll Do: Evaluate and underwrite new and existing business, renewals and endorsements, focusing on moderately complex and high-value property and casualty insurance risks.

Uphold the quality and profitability of the program’s portfolio by adhering to underwriting standards and referring risks beyond delegated authority to supervisory levels. Work in partnership with other departments to identify key trends and provide strategic recommendations. Aim to achieve positive outcomes for clients, brokers, and the company.

Demonstrate our commitment to effective risk management by following up on outstanding recommendations and ensuring their implementation. Analyze large loss events, provide detailed reports, and discuss remediation strategies to mitigate future risks. Engage in market research to identify emerging trends, enabling the development of innovative product offerings.

Identify potential issues in loss ratios and risk trends. Implement effective strategies to address anomalies and ensure portfolio stability. Guide and support junior underwriters, enhancing their technical expertise and decision‑making capabilities.

Effectively communicate and clarify underwriting business rules and guidelines to brokers, ensuring a shared understanding and adherence to established standards. Address inquiries and provide prompt, clear responses to brokers through both verbal and written channels, facilitating effective and efficient communication. Deliver a superior broker experience characterized by confidence, responsibility, and professionalism, reinforcing the company’s reputation for excellence in the industry.

Stay current with industry trends, emerging developments, and regulatory changes to ensure underwriting practices remain compliant and competitive. Act as a subject matter expert, representing the company at industry events, forums, and conferences to enhance the company’s reputation and deepen industry engagement. What You’ll Bring: Minimum of 3-5 years of progressive underwriting experience within property and casualty insurance sectors.

Strong understanding of risk analysis, pricing strategies, and product development across key segments such as property and casualty insurance. In-depth knowledge of risk selection methodologies, insurance contracts, rating models, and sources of risk information. Working knowledge of related areas including claims, risk management, and accounting to enhance underwriting decisions.

Deep familiarity with underwriting philosophies, statutory constraints, technical manuals, and rating programs. Proficient in Microsoft Office Suite and relevant underwriting systems (e.g., Guidewire), with the ability to adapt to new technologies. Proven ability to establish and maintain professional, long‑term relationships with brokers and internal partners.

Skilled at working with internal teams and brokers to deliver excellent service and optimal underwriting outcomes. Self‑motivated and proactive i

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