Consultant, Field Underwriter - Small Commercial (CO/NE) at Nationwide

Colorado, United States

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

InsuranceIndustries

Requirements

Passionate about helping people protect what matters most, innovating, and simplifying processes for customer value
Experience and qualifications suitable for Consultant or Specialist level (position may be filled at different level based on this)
Reside in the geography served by the position (CO/NE)
Ability to travel regularly
Serve as top-tier technical expert in commercial lines underwriting
Ability to independently evaluate and underwrite the most complex and high-value risks
Elevated authority and autonomy in advanced risk assessment and market insight
Act as consultative resource to field underwriters, sales teams, and agency partners

Responsibilities

Independently underwrite and price the most complex and specialized commercial risks within expanded authority levels, promoting profitable growth and steady flow of lower-premium new business
Perform in-depth risk analysis using financials, loss control reports, industry trends, and predictive data models
Provide consultative guidance to field underwriters and agents on risk mitigation and coverage solutions
Manage a field underwriting territory focused on new business production, aligning with underwriting strategy, business mix, and profitability goals; identify trends and recommend adjustments
Build and maintain strong relationships with key agency partners; conduct regular in-person meetings and embed/quote within agency offices
Provide expert-level support in complex negotiations and coverage discussions; participate with Territory Managers in strategic planning with agencies
Identify and drive opportunities for business development, issue resolution, consolidation, or transfer by consulting with agents and internal partners
Monitor market developments, emerging risks, and competitor activity; contribute feedback to influence underwriting guidelines, tools, and practices
Serve as technical resource and informal mentor to field underwriters; share best practices and support skill development
Partner with Territory Managers and Learning & Development to conduct product orientation and training sessions; provide feedback on product performance and market fit
May perform other responsibilities as assigned

Skills

Key technologies and capabilities for this role

Commercial UnderwritingRisk AnalysisProperty and CasualtyFinancial AnalysisPricingAgency ManagementRisk AssessmentUnderwriting Execution

Questions & Answers

Common questions about this position

What is the employment type for this position?

This is a full-time position.

Is this role remote or does it require a specific location?

Candidates must reside in the geography served by this position, which covers CO/NE, with regular travel expected and in-person agency meetings.

What skills are required for the Consultant, Field Underwriter role?

The role requires advanced underwriting expertise for complex commercial risks, in-depth risk analysis using financials and predictive models, territory management, and strong agency relationship-building skills.

What is the company culture like at Nationwide?

Nationwide emphasizes putting customers at the center, delivering extraordinary care, and being 'on your side,' with a focus on innovation, simplifying processes, and providing the best customer value.

What makes a strong candidate for this underwriting consultant position?

Strong candidates have experience and qualifications suitable for the Consultant level or higher, serving as top-tier technical experts capable of handling complex risks independently with advanced judgment.

Nationwide

Provides insurance and financial services

About Nationwide

Nationwide provides insurance and financial services to individuals and businesses across the United States. Their product offerings include auto, home, life, and commercial insurance, as well as retirement and investment solutions. The company operates by underwriting insurance policies and managing investment portfolios, earning revenue through premiums, investment income, and fees for financial services. What sets Nationwide apart from its competitors is its focus on leveraging technology to improve claims processing and policy management, along with its commitment to customer service. Additionally, Nationwide partners with organizations to offer financial education resources, particularly for retirees, aiming to ensure financial security and protect the futures of its clients.

Columbus, OhioHeadquarters

1925Year Founded

$769.7MTotal Funding

N/ACompany Stage

Consulting, Financial ServicesIndustries

10,001+Employees

Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Paid Vacation

Paid Holidays

401(k) Retirement Plan

401(k) Company Match

Risks

Competition from insurtech startups like Nexar may challenge Nationwide's market share.

AI-driven platforms like Planck could disrupt traditional insurance models.

Partnerships with AI firms may require significant tech investment and integration efforts.

Differentiation

Nationwide invests in tech-driven platforms like YellowBird and Betterview to enhance services.

Partnership with CLARA Analytics shows Nationwide's focus on AI for operational efficiency.

Collaboration with Funding Circle highlights Nationwide's support for small business growth.

Upsides

Nationwide's $56M loan to Whitestone REIT diversifies its investment portfolio.

Investments in AI and tech platforms could streamline operations and reduce costs.

Supporting small businesses may expand Nationwide's customer base and strengthen relationships.

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