Consultant, Field Underwriter - Small Commercial (TN/KY) at Nationwide

Tennessee, United States

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Not SpecifiedCompensation

Mid-level (3 to 4 years), Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

InsuranceIndustries

Requirements

Passionate about helping people protect what matters most, innovating, and simplifying processes for customer value
Reside in the geography served by the position (TN/KY)
Experience and qualifications suitable for Consultant or Specialist level
Ability to travel regularly and conduct in-person meetings
Advanced technical expertise in commercial lines underwriting for complex, high-value risks
Deep market insight and ability to operate with elevated authority and autonomy

Responsibilities

Independently underwrite and price the most complex and specialized commercial risks within expanded authority levels, while promoting lower-premium and complexity new business for profitable growth
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 through in-person meetings, embedding in agency offices, and providing expert support in negotiations and coverage discussions
Participate with Territory Managers in strategic planning with agencies to drive mutual success and business development
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
May perform other responsibilities as assigned

Skills

Commercial Underwriting

Risk Analysis

Financial Analysis

Pricing

Property and Casualty Insurance

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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