• Functions as an independent and highly experienced underwriter able to manage large complex cases, although not all levels of complexity, with little or no support • Determines whether to accept, modify, or decline a risk through evaluation of the client’s employee census data, claims history, and other pertinent information within guidelines such as rating formula’s, product filings and statutory requirements. • Independently applies Underwriting judgment, formulates pricing decisions, negotiates within their authority limit, and handles standard to complex reporting requests. • Understands and applies current pricing strategy across the book of business. • Works closely with sales staff, brokers and clients to discuss financial results and support or directly engage in the negotiation process. • Manage ad hoc projects, and or participate in periodic process and technical design work to improve service, efficiency, or profitability. • Confidently and effectively communicates point of view through both verbal and written communications and negotiates with internal/external partners in various roles • Demonstrates an awareness of regional trends, competitive landscape and factors that influence the marketplace and regulatory environment • Strong ability to help others gain an understanding of the underwriting process, including case reviews, identifying training needs and developing and delivering training. • Demonstrates problem solving skills on risk and service-related issues, and broad institutional knowledge in the development of solutions.