Underwriting Director/Manager, Commercial Habitational

The Baldwin Group

. Lead, manage, and develop a team of new business and renewal underwriters, including hiring, coaching, performance management, and career development .

Posted 10/8/2026full-timeRemote • United StatesLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive experience in Commercial Underwriting, particularly in managing and developing high-performing teams while driving portfolio growth and profitability. Proficient in setting underwriting strategy and risk appetite, with a strong focus on compliance and market trends.

Highest-signal resume keywords

Commercial Underwriting ExperienceTeam Management and DevelopmentUnderwriting Strategy and Risk AppetiteE&S Commercial UnderwritingRelationship Management with Brokers

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

UnderwritingRisk SelectionAccount PricingPortfolio GrowthLoss Ratio ManagementMarket Trend AnalysisPolicy ComplianceProfit-and-Loss ManagementPerformance ManagementNegotiation

Soft Skills

Communication SkillsProblem-SolvingCollaborationSelf-ManagementSense of Urgency

Tools & Technologies

MS OfficeExcelPowerPointWordOutlook

Industry Keywords

Commercial Habitational ProgramsE&S UnderwritingInsurance CarrierMGAReinsuranceRegulatory ComplianceAuditsBusiness PlanningBudgetingGoal-Setting

About the role

Key responsibilities & impact

Lead, manage, and develop a team of new business and renewal underwriters, including hiring, coaching, performance management, and career development
Drive the creation and growth of Commercial Habitational programs with a high degree of autonomy and decision-making authority
Set underwriting strategy, risk appetite, and pricing guidelines for the commercial habitational book
Own portfolio growth, rate adequacy, and loss ratio results
Underwrite and produce new and complex habitational accounts, including risk selection, negotiation of terms and conditions, and account pricing
Provide referral and escalation authority for the broader underwriting team
Monitor market trends and competitive activity and translate insights into underwriting guidelines, product enhancements, and go-to-market strategy
Build and maintain senior-level relationships with brokers, agencies, and reinsurance partners
Serve as MSI's primary point of contact for strategic accounts and drive new business production across the team's territory
Ensure issued policies comply with carrier and reinsurance requirements
Partner with Legal, Compliance, and Reinsurance on treaty terms, audits, and regulatory matters
Establish and enforce underwriting guidelines, authority levels, and quality-control standards
Partner with senior leadership on business planning, budgeting, and goal-setting
Report regularly on production, profitability, and team performance against plan

Requirements

What you’ll need

Bachelor’s degree, preferably in a Business, Economics, Marketing or Engineering field, or equivalent years’ experience
10+ years of Commercial underwriting experience within an insurance carrier, MGA / program administrator, or agency / brokerage, including substantial experience underwriting large or complex accounts
Significant E&S commercial underwriting experience required; habitational experience strongly preferred
5+ years of experience directly managing and developing underwriting staff, with a demonstrated track record of building high-performing teams and holding direct reports accountable to production and profitability goals
Demonstrated ability to set underwriting strategy and risk appetite, and to own profit-and-loss outcomes for a book of business
Ability to demonstrate a sense of urgency to resolve problems and meet broker and market expectations of service
Above-average technical aptitude with proven capability to work effectively across multiple systems, tools, and digital platforms
Experience working with MS Office (Excel, PowerPoint, Word, Outlook)
Excellent oral and written communication skills
Ability to travel approximately 1-2 times per month to visit agents, brokers, and reinsurance partners and/or attend team meetings
Ability to work in a fast-paced environment and collaborate effectively with colleagues
Proven ability to work effectively in a remote environment, demonstrating strong self-management and accountability
Willingness to travel up to 25% as needed

Benefits

Comp & perks

Remote work environment
Travel opportunities to visit agents, brokers, and reinsurance partners and/or attend team meetings