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Sr Underwriter - NY

Glenmont, NY, US, 12077

American National is an established, stable, and successful multi-line insurance corporation that has provided financial strength and a sense of security to employees, customers and business partners since 1905.  We’ve been recognized by Forbes as one of America’s most trustworthy financial companies and best mid-sized employers. With focus on our organization’s values and cultural richness: Financial Strength, Integrity, Respect, Service and Teamwork (FIRST) and Agility, Collaboration, and Engagement (ACE) we continue to pursue our vision to be a leading provider of financial products and services for current and future generations.


What’s in it for you?

American National supports a comfortable, diverse, and inclusive work environment, following a casual dress code and focus on healthy work-life balance. We understand that comprehensive benefits are important which is why we offer a generous package that includes: medical, dental, vision, short and long-term disability, life insurance, flexible spending accounts, matching 401(k), paid time off, paid holidays, tuition reimbursement, health-wellness initiatives, and a volunteer program where employees are provided PTO for giving their time to a charity of choice, and referral bonuses! We also offer a comprehensive wellness program that includes onsite fitness centers and classes or discounted gym memberships, free health screenings, free flu shots, and more.

Sr. Ag/Commercial Lines Underwriter

The Sr. Commercial and/or Agriculture Underwriter manages an assigned territory or assigned agents, providing a collaborative, consultative environment to our exclusive agents to support profitable policy growth and retention.  The Sr. Underwriter makes risk selection decisions, and terms and conditions decisions on new business applications, policy renewals, premium audits, and  policy changes on business with account premiums that can exceed $100,000.  The Sr. Underwriter is expected to manage higher binding authority than an Underwriter III in regards to both property and casualty limits, and have the technical knowledge and mentoring skills to serve as a lead underwriter on the team. The Sr. Underwriter will also have a specialized expertise in a market or line of business, and be able to train and mentor others on this expertise.   



  • Work within assigned underwriting authority and company underwriting guidelines, to make sound risk selection decisions, and acceptable terms, conditions and pricing decisions on behalf of the company for new business applications and/or a renewal book of business that supports the company's growth, profitability and retention objectives.  It is expected the Sr. Underwriter authority level for binding property and casualty risks will be higher than an Underwriter III. 
  • Monitor and manage assigned territory's monthly new business, loss ratio, and retention results.   Identify, and work with the MLGA to develop a strategy to mentor agents as necessary, improve loss ratio or growth results, correct service or field underwriting quality deficiencies, and/or address competitive challenges.  
  • Execute Loss Control expectations including inspection ordering, and the appropriate and timely underwriting and execution of actions required upon completion of the inspection.
  • Reponsible for the appropriate pricing of the risk, including appropriate classification, tier, rate types, application of payroll audits, etc.
  • Develop expertise in the commercial and agriculture markets within your territory. Actively engage in workshops and meetings, and assist in helping others learn and understand.  Seek out and initiate participation in industry educational opportunities including participation in professional insurance education.
  • Understand and execute your fiduciary responsibility in regards to Coastal Management Programs, Risk Eligibility Guidelines, and Reinsurance Restrictions to protect company.
  • Identify pricing and policy language/coverage concerns in assigned territory and provide information to Actuarial and/or Research and Development.  Provide feedback for, and engage in, territory Growth and Profitability meetings.  Sell the actions and decisions to your agents.
  • Initiate and participate in productive field visits, including assisting agents with field underwriting for prospective clients, or current clients.
  • Serve as a Team Leader for an underwriting team, or for a product/market.



  • Bachelor’s degree required; Previous insurance industry can be considered in lieu of bachelor’s degree
  • Minimum of two years experience as a Commercial and Agriculture Underwriter III, or a minimum of seven years of outside commercial or agriculture underwriting experience
  • Demonstrated ability to perform the Essential Functions set forth in the Sr. Commercial and Agriculture Underwriter job description.  Advanced knowledge demonstrated in underwriting assigned primary line(s) of business, and companion lines of business.  File Quality Review results will be part of this analysis.  Proven knowledge, and expertise to serve as a technical expert on a specific underwriting product, market practice or project.  Ability to conduct training workshops in area of expertise.  Ability to serve as an Underwriting or Product/Market Team Leader.  Takes lead as a professional, positive mentor and role model in advancing the goals of the department and company.
  • Expert knowledge of commercial/ag insurance products, policies, coverages, guidelines, rules, regulations, and   reinsurance strategies.
  • Professional presentation, with exceptional verbal and written communication skills.
  • Exceptional customer service attitude, and demostrated skills working with customers.
  • Ability to multi-task effectively in a fast paced environment, and demonstrated organizational skills.
  • Ability to gather, analyze and interpolate data, and use this to formulate a plan or strategy.
  • Strong decision making ability, and desire to make decisions within your authority.
  • Willingness and ability  to exercise initiative within assigned authority.  
  • Can work independently, but also collaborate as team member.

Ability to travel as needed





Hiring Practices

The preceding job posting was designed to indicate the general nature and level of work performed by employees assigned to this position. It is not intended to be interpreted as a comprehensive list of all duties, responsibilities, and qualifications.


American National’s recruitment policies help us place individuals in a timely and efficient manner. Only the most qualified candidates will be contacted by our recruiting team. Candidates may check the status of their application(s) by logging into our Career Portal.


Learn more about our company, by following us on social media: LinkedIn, Facebook, Instagram, Twitter: @CareerswithAN


American National is an equal opportunity employer, committed to enhancing a diverse and inclusive environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories.


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“If you believe you can make a difference in the lives of our clients, if you’re willing to work hard, if you want a fulfilling career, and if your values match ours, then I want you to work for American National. ” – James Pozzi, President and CEO.




Nearest Major Market: Albany

Job Segment: Underwriter, Social Media, Payroll, Actuarial, Accounting, Insurance, Marketing, Finance

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