Senior Underwriter (PL Mono)
Senior Underwriter (PL Mono)
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Job Description
Do you value integrity and innovation How about passion and caring Great! Us too and thats why youll fit right in. Our intentional culture promotes trust and participation encouraging you to bring your heart and mind to work every day.
In-Scope
Permanent Full-Time
Location: Winnipeg
Pay Range: $74207 - $93648
Close Date: July 25 2025
Work Location:This role is eligible for hybrid this means youll have the flexibility of working from home and in the office on a scheduled rotation once training requirements have been met. Until then the successful incumbent will be expected to work on-site full-time.
GENERAL ACCOUNTABILITY
The Senior Underwriter (Personal Lines Mono-line) is responsible for day-to-day team leadership and provides support guidance advice and direction. The Senior Underwriter is responsible for underwriting complex high touch and high value risks for Personal Lines insurance. Employees in this position evaluate rate and process insurance requests for property or auto insurance products. The Senior Underwriter is customer-focused and looks for innovative ways to improve the customer experience. The Senior Underwriter establishes relationships with brokers to develop lasting and profitable relationships. The Senior Underwriter is accountable for evaluating and providing recommendations to improve profitability and overall performance on a portfolio basis. The Senior Underwriter mentors delegates work provides training technical guidance work review and approval to staff in junior positions. This role is about building relationships and continuously learning and developing knowledge about the end customers needs through the broker.
KEY ACCOUNTABILITIES
Note: This section is not intended to be an exhaustive list of duties and responsibilities other duties and responsibilities may be assigned.
Underwriting Operations
Evaluates multiple products and their risk factors in a holistic and customer-centric approach to determine risk acceptability and rating.
Reviews and evaluates quotes new applications renewals revisions and cancellations to determine risk acceptability for high touch high value critical accounts corporate accounts and key broker partners.
Evaluates complex risks and determines if risk is acceptable needs modification or should be declined based on analysis of all information pertinent to the risk and within the underwriters authority.
Calculates premiums ensuring that appropriate rates are used and application discounts and surcharges are applied within established underwriting guidelines applicable laws and regulations.
Negotiates with brokers as to the conditions limitations rates and premiums to apply.
Corresponds with brokers to request information and explain underwriting requirements and decisions.
Reviews and approves requests that fall outside the authority levels of staff in less senior positions.
Collaborates with internal and external stakeholders to discuss risk acceptance and policy wording interpretation.
Interprets and applies policy wordings conditions limitations rates and premiums with a strong focus on customer needs.
Completes large loss underwriter reviews and claim alerts providing feedback and recommendations on underwriting decisions and actions.
Collaborates with loss prevention partners (internal and external) to measure risk acceptability and to improve risk.
Understands existing and emerging industry and regional trends and market conditions and obtains additional information on risk if . Applies this knowledge to business decisions.
Analyzes and makes data-driven decisions on brokers book of business.
Participates in periodic work reviews for quality assurance purposes for underwriters and brokers.
Participates in projects and initiative planning.
Identifies and recommends improvements to insurance products and/or systems.
Determine percentage of involvement in ceding and placement of policies (where ).
Provides exceptional service delivery in the management of portfolio underwriting maintaining an informed mindset and challenging the status quo to provide the best underwriting service.
Broker Relationship Management
Delivers one view of personal lines that combines product technology and services for broker partners.
Identifies opportunities to improve broker experience and seeks to find solutions while adhering to the company guidelines.
Develops and maintains relationships with an assigned group of brokers to develop lasting and profitable relationships which involve broker visits.
Collaborates with claims and other departments to deliver a consistent experience to brokers and customers.
Assists with training to staff brokers and external parties on products and procedures. Prepares and conducts formal presentations.
Understand the technology brokers use and offers tailored approaches to deliver on the ease of doing business mandate.
Explains underwriting criteria and decisions to brokers (verbally and/or in writing).
Evaluates brokers portfolios to identify positive or negative trends with respect to quantity and quality of business.
Proactively manages assigned brokers to shape their portfolios to match SGI CANADAs target portfolio.
Team Leadership (Underwriter Assistants Underwriter I Underwriter II Personal Lines)
(Team leadership appliesonlywhen the position has permanent accountabilityforthe responsibilities listed below for a minimum of 3 employees.)
Monitors and oversees the assignment of work.
Delegates reviews and ensures quality of work.
Leads the implementation of business processes operations and policies through training practical application and feedback.
Provides input or participates in performance feedback.
High Performance Team & Culture
Supports a culture of leadership and accountability to effectively meet the key accountabilities within the scope of the role.
Displays leadership by committing to a culture of continuous learning/development of self and supports others by actively sharing knowledge providing guidance mentoring training and supporting developmental opportunities.
Demonstrates that the Health Safety and Emergency Management Policy is applied in area of responsibility for self and others.
Actively applies knowledge to support transformation and strategic initiatives of the corporation while participating and advocating change and applying a growth mindset.
TECHNICAL KNOWLEDGE & SKILLS
Knowledge of the coverages of insurance products and related provincial/federal legislation applicable Personal Lines (Auto or Property)
Knowledge of the Principles & Practices of Insurance
Knowledge and skill of the rating procedures the interpretation and application of established criteria and/or procedures to determine appropriate premiums coverages and deductibles for applicable insurance products.
Knowledge and skill of the rating procedures the interpretation and application of established criteria and/or procedures to determine appropriate premiums coverages and deductibles for applicable insurance products.
Knowledge of other lines of insurance.
Skill in promoting SGI CANADA insurance products to brokers.
EDUCATION & CERTIFICATIONS
A two-year diploma from an accredited post-secondary education institution in a relevant field of study such as Business.
EXPERIENCE
5 7 years experience in underwriting.
Diversity is a cornerstone of SGI. We believe all candidates should be given the opportunity to fully participate during the recruitment process. If you require an accommodation during the recruitment process we invite you to submit your accommodation requests to us at and we will work through your request with you. All information received will be kept confidential.
Posting Close Date:
July 25 2025As you prepare to submit your application and cover letter if applicable please highlight the achievements that demonstrate why youre a great candidate for this role.
Required Experience:
Senior IC
Employment Type
Full-Time
