Consultant, Field Underwriter - Small Commercial (NY/NJ) at Nationwide

New York, New York, 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
Resides in the geography served (NY/NJ)
Ability to travel regularly
Serves as top-tier technical expert in commercial lines underwriting
Ability to independently evaluate and underwrite complex, high-value risks
Elevated authority and autonomy in risk assessment
Deep market insight and advanced risk assessment techniques

Responsibilities

Independently underwrites and prices the most complex and specialized commercial risks within expanded authority levels while promoting lower-premium and complexity new business
Performs in-depth risk analysis using financials, loss control reports, industry trends, and predictive data models
Provides consultative guidance to field underwriters and agents on risk mitigation and coverage solutions
Manages a field underwriting territory focused on new business production, aligning with underwriting strategy, business mix, and profitability goals; identifies trends and recommends adjustments
Builds and maintains strong relationships with key agency partners; conducts in-person meetings and embeds/quotes within agency offices
Provides expert-level support in complex negotiations and coverage discussions; participates in strategic planning with agencies
Identifies and drives opportunities for business development and issue resolution by consulting with agents and internal partners
Monitors market developments, emerging risks, and competitor activity; contributes feedback to influence underwriting guidelines, tools, and practices
Serves as a technical resource and informal mentor to field underwriters; shares best practices and supports skill development
Partners with Territory Managers and Learning & Development to conduct product orientation and training sessions; provides feedback on product performance and market fit
May perform other responsibilities as assigned

Skills

Key technologies and capabilities for this role

Commercial UnderwritingRisk AnalysisFinancial AnalysisPricingProperty and CasualtyLoss AnalysisAgency Relations

Questions & Answers

Common questions about this position

Is this a remote position or does it require office presence?

This is a field underwriting role requiring candidates to reside in the NY/NJ geography served, with regular travel expected and in-person meetings at agency offices.

What salary or compensation is offered for this role?

This information is not specified in the job description.

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

The role demands advanced technical expertise in commercial lines underwriting, in-depth risk analysis using financials and predictive models, and consultative skills for agency engagement and territory management.

What is the company culture like at Nationwide for this team?

Nationwide emphasizes putting customers at the center, delivering extraordinary care, and fostering passion for helping people protect what matters while innovating processes.

What makes a strong candidate for this underwriting position?

Strong candidates have experience and qualifications suitable for the Consultant or Specialist level, with expertise in handling complex commercial risks and driving profitable new business growth.

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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