Director, Underwriting Appetite & Standards

Position

WCF is an A Rated insurance carrier that is growing in the western U.S. and is looking for an applicant that wants to join a company with a great culture competitive pay and outstanding benefits.

The Underwriting Standards department has an immediate opening for someone who can demonstrate the WCF values to join their team as a Director Underwriting Appetite & Standards reporting to the VP Underwriting Appetite & Standards.

This is a full-time exempt position based out of WCF Insurances Sandy headquarters. This position is open to external and internal candidates.

Responsibilities

• Assist with the development and maintenance of underwriting guidelines ensuring clarity consistency and alignment across Small Business Middle Market and Large Commercial portfolios
• Handle underwriting referrals across all lines of business for unique complex large or highseverity risks exercising a high level of technical authority and judgment.
• Provide enterprise underwriting quality assurance including individual file reviews and targeted QA initiatives to assess underwriting accuracy consistency and adherence to appetite.
• Aggregate QA findings to identify trends gaps and training opportunities; share insights with underwriting leadership.
• Partner with Underwriting Training to identify create and deliver technical training topics driven by QA findings appetite expansion and product growth needs.
• Assist in the creation documentation and ongoing refinement of underwriting guidelines standards and processes to support profitable growth and underwriting consistency.
• Serve as a technical and consultative resource to underwriting and business units on complex exposures unfamiliar industries and coverage considerations.
• Participate in strategic initiatives and projects as a technical underwriting voice including new products appetite expansion and process optimization efforts.
• Monitor market conditions regulatory changes and industry trend
• Assist with underwriting referral and authority governance including ineligible operations escalation processes documentation expectations and letterofauthority (LOA) structures.
• Manage and develop a team.
• Accountable for referral decision quality underwriting consistency and timely referral turnaround to support business needs and preferred partner relationships.
• Supports underwriting leaders by supplementing technical expertise and industry knowledge.
• Demonstrates strong attention to detail sound judgment and ability to manage competing priorities in a highimpact environment.
• Accountable for ensuring underwriting standards and appetite are supported by appropriate onboarding and ongoing development.
• Build strong relationships with underwriting leaders and other departments by fostering transparency trust and consistency in underwriting governance and decisionmaking.
• Supports product expansion through high quality and timely delivery of underwriting guidelines and resources in partnership with Product Development team.

Qualifications

• Bachelors degree in finance economics risk management or related field; masters degree preferred.
• CPCU strongly preferred.
• Minimum of 810 years of progressive underwriting experience across Workers Compensation Commercial Auto General Liability Commercial Property and Umbrella across a variety of industries.
• Deep advanced technical knowledge of risk assessment coverage pricing methodology and regulatory requirements across all lines of business.
• Demonstrated experience handling large complex and nonstandard risks.
• Demonstrated experience defining interpreting or governing underwriting appetite eligibility and underwriting standards.
• Solid understanding of underwriting governance concepts including guidelines authority structures referrals and underwriting controls.
• Strong consultative analytical and decision-making skills.
• Experience partnering with Product Actuarial/Pricing Claims Safety/Loss Control Compliance and Sales to support profitable growth and risk discipline.

WCF Insurance offers an extensive compensation package. Benefits include Medical Dental and Vision insurance company paid life insurance 401K with a generous 6% employer match and additional benefits such as an Employee Assistance Program and time off to volunteer. All employees earn 4 weeks of vacation their first year. Expected salary for the position is $120000- $185000 depending on location experience and education.

An internal candidate should have six months in their current position acceptable job performance and must notify their current supervisor that theyve applied for the position.

OUR PEOPLE

WCF strives to provide an excellent work experience and cultivate an inclusive environment where anyone who embodies our values will thrive.

WCF INSURANCE IS AN EQUAL OPPORTUNITY EMPLOYER

WCF Insurance provides equal employment opportunity to all qualified applicants and employees regardless of race color religion sex age national origin veteran status disability that can be reasonably accommodated or any other basis prohibited by federal state or local law.

Required Experience:

Director