商业保证区域经理
Commercial Surety Regional Manager
商业保证区域经理负责所辖区域商业保证组合的承保、营销、生产、盈利能力及整体管理。该职位是所辖地区的高级承保负责人，需对保费增长、承保盈利能力、代理机构发展和组合管理目标的实现负责。
区域经理将与代理机构、经纪人、业主、担保人及其他业务合作伙伴建立并维护良好的关系，同时行使重要的承保权限，确保符合公司承保指南和风险偏好。该职位高度面向市场，专注于盈利性业务发展、代理机构管理和承保执行。
考虑德克萨斯州或路易斯安那州的合格远程候选人。
关键职责/交付成果：
承保领导
- 作为所辖地区的首席承保人。
- 在授权范围内分析、评估并批准商业保证申请。
- 审查和评估财务报表、中期财务报告、在制品清单、银行协议、信用报告、税务申报表和其他承保信息。
- 结构化并协商承保条款、抵押要求、担保协议和其他风险缓解措施。
- 确定新业务和续保业务的适当额度、定价和条款。
- 监控组合表现，并在必要时采取纠正措施以实现盈利能力目标。
- 参与大客户审查和推荐讨论。
- 保持承保质量并遵守公司指南和授权级别。
营销与业务发展
- 制定并执行区域营销和生产计划。
- 建立并加强与零售和批发保证经纪人的关系。
- 识别并开发符合公司风险偏好的新业务机会。
- 定期拜访代理机构并进行联合销售拜访。
- 在行业活动、代理机构会议、会议和协会活动中代表公司。
- 推动申请流程并在所辖地区提升市场可见度。
- 建立代理机构业务计划并监控生产目标。
- 与关键分销合作伙伴和战略客户保持良好关系。
组合与盈利能力管理
- 对所辖区域的损益结果负责。
查看英文原文
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The Commercial Surety Regional Manager is responsible for the underwriting, marketing, production, profitability, and overall management of a regional Commercial Surety portfolio. This position serves as the senior underwriting leader for the assigned territory and is accountable for achieving premium growth, underwriting profitability, agency development, and portfolio management objectives.
The Regional Manager will develop and maintain strong relationships with agents, brokers, principals, indemnitors, and other business partners while exercising significant underwriting authority and ensuring compliance with company underwriting guidelines and risk appetite. The position is highly market-facing and focused on profitable business development, agency management, and underwriting execution.
Will consider qualified, remote candidates in Texas or Louisiana.
Key Accountabilities/Deliverables:
Underwriting Leadership
- Serve as lead underwriter for the assigned territory.
- Analyze, evaluate, and approve commercial surety submissions within delegated authority.
- Review and assess financial statements, interim financial reports, work-in-progress schedules, bank agreements, credit reports, tax returns, and other underwriting information.
- Structure and negotiate underwriting terms, collateral requirements, indemnity agreements, and other risk mitigation measures.
- Determine appropriate capacity, pricing, and terms for new and renewal business.
- Monitor portfolio performance and take corrective action as necessary to achieve profitability objectives.
- Participate in large account reviews and referral discussions.
- Maintain underwriting quality and adherence to company guidelines and authority levels.
Marketing and Business Development
- Develop and execute regional marketing and production plans.
- Build and strengthen relationships with retail and wholesale surety brokers.
- Identify and develop new business opportunities consistent with company risk appetite.
- Conduct regular agency visits and joint sales calls.
- Represent the company at industry events, agency meetings, conferences, and association functions.
- Drive submission flow and increase market visibility throughout the territory.
- Establish agency business plans and monitor production goals.
- Maintain strong relationships with key distribution partners and strategic accounts.
Portfolio and Profitability Management
- Own profit and loss results for the assigned region.
- Manage portfolio mix, pricing adequacy, retention, and growth metrics.
- Monitor premium volume, loss ratio, expense ratio, and collection objectives.
- Conduct periodic book reviews to identify trends, opportunities, and emerging risks.
- Evaluate agency performance and manage agency relationships accordingly.
- Recommend strategic actions to improve profitability and operational performance.
- Assist senior leadership with budgeting, business planning, and forecasting.
Leadership and Talent Development
- Recruit, train, mentor, and develop commercial surety underwriters.
- Provide technical underwriting guidance and coaching.
- Assist in establishing underwriting goals and performance expectations.
- Promote underwriting consistency and best practices across the region.
- Participate in succession planning and employee development initiatives.
- Foster a collaborative, performance-oriented culture focused on underwriting excellence and customer service.
Customer and Broker Service
- Deliver responsive, solution-oriented service to brokers and insureds.
- Resolve complex underwriting issues and relationship challenges.
- Maintain a high level of market visibility and accessibility.
- Collaborate with claims, legal, accounting, and operations departments to support business objectives.
- Travel throughout the territory to maintain agency and client relationships.
Technical Knowledge and Understanding:
- Strong knowledge and understanding in commercial surety.
- Strong financial statement analysis and credit underwriting skills.
- Strong negotiation, communication, and presentation skills.
- Ability to exercise independent underwriting judgment.
Experience:
- Bachelor’s degree in Business, Accounting, Finance, or related field is required
- Advanced degree or professional certifications (e.g. AFSB, CPCU, etc.) is preferred
- Proven experience (typically 5+ years) in underwriting roles within the surety industry
- Demonstrated success developing agency relationships and generating profitable growth.
- Proven business development and marketing experience.
- Willingness to travel throughout assigned territory.
Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over work authorization sponsorship now or in the future for this position.
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At Core Specialty, you will receive a competitive salary and opportunities for professional development and advancement. We offer medical, dental, vision, and life insurances; short and long-term disability; a Company-match of 100% of a 6% contribution 401(k) plan; an Employee Assistance Plan; Health Savings Account, Flexible Spending Account, Health Reimbursement Account, and a wellness program
Originally posted on Himalayas