Senior Underwriter (Political Risk & Credit)

Job description

MSIG USA continues to grow! Company Overview: MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc. , one of the world’s top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business’s unique risks. As an Underwriter at MSIG USA, you will play a key role in supporting the growth and profitability of our Political Risk & Credit portfolio. This underwriting position focuses on evaluating and servicing a range of risks and exposures while developing strong broker relationships and contributing to customized insurance solutions. You’ll work closely with cross-functional teams to ensure underwriting excellence and client satisfaction. Essential Functions: Evaluate and underwrite risks within assigned authority, ensuring alignment with company guidelines and risk appetite Analyze submissions, financials, and loss histories to assess risk quality and pricing adequacy Apply appropriate rating methodologies and ensure compliance with regulatory filings and state requirements Draft and review policy forms, endorsements, and coverage terms tailored to client needs Maintain accurate and complete underwriting documentation in accordance with internal and external standards Monitor portfolio performance, including premium trends, loss ratios, and underwriting results Collaborate with brokers through meetings and account reviews to strengthen relationships and identify growth opportunities Partner with Risk Engineering, Claims, and Marketing teams to support retention and new business initiatives Contribute to special projects and team initiatives as assigned Qualifications: Bachelor’s degree required 3-4 years of insurance industry experience preferred Prior experience as an Underwriting Assistant or Associate is a plus Basic understanding of insurance principles, policy forms, and regulatory frameworks a plus Strong analytical and problem-solving skills with attention to detail Excellent written and verbal communication skills Effective interpersonal and negotiation abilities Proficiency in Microsoft Office Suite and ability to learn internal systems Commitment to ongoing professional development and insurance education. SALARY: The estimated salary range for this position is $100,000.00 - $150,000.00 per year. This is a good-faith assessment of the salary range for this position only. In determining the actual salary within this range, MSIG USA will consider a candidate’s relevant experience, location, and other job-related factors. Additional Benefits: Healthcare and Retirement Benefits Comprehensive medical, dental, and vision coverage 401(k) with a generous employer match and profit-sharing contribution Wellness incentive program Life and accidental death and dismemberment (AD&D) insurance Flexible spending programs Short-term and long-term disability plans Additional Benefit Programs Paid time off program Paid charitable leave Paid parental leave Tuition reimbursement program Personal insurance (auto/homeowners) discounts It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group! It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.