Consultant, Field Underwriter - Small Commercial (DC/MD/Northern VA) at Nationwide

Maryland, United States

Nationwide Logo
Not SpecifiedCompensation
Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level
Full TimeJob Type
UnknownVisa
InsuranceIndustries

Requirements

  • Reside in the geography served (DC/MD/Northern VA)
  • Passionate about helping people protect what matters most, innovating, and simplifying processes for customer value
  • Experience and qualifications suitable for Consultant or Specialist level in commercial lines underwriting
  • Ability to independently evaluate and underwrite complex, high-value risks with elevated authority and autonomy
  • Advanced risk assessment techniques and deep market insight
  • Willingness to travel regularly and conduct in-person meetings

Responsibilities

  • Independently underwrite and price the most complex and specialized commercial risks within expanded authority levels, promoting profitable growth and a 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 in-person meetings, embed and quote in agency offices, support complex negotiations, and participate in strategic planning
  • 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 a technical resource and informal mentor to field underwriters, sharing best practices and supporting skill development
  • Partner with Territory Managers and Learning & Development to conduct product orientation and training sessions for agents and internal teams; provide feedback on product performance and market fit
  • May perform other responsibilities as assigned

Skills

Commercial Underwriting
Risk Assessment
Property and Casualty Insurance
Financial Analysis
Pricing Strategy
Underwriting Authority
Risk Analysis
Small Commercial Insurance

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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