Lake Ridge Bank
Middleton, Wisconsin
Description: The Loan Production Associate is responsible for providing a smooth loan process for our customers by ensuring all documentation and contingencies are met prior to Commercial and Ag loan closings. This position will work with customers and our Commercial and Ag Lending teams throughout the entire loan process to collect all necessary documentation & contingencies, input all relevant information accurately and review appropriately in order for the loan closing to happen on time and to the customer's expectations while following loan policy, internal procedures and compliance regulations. This role will remain knowledgeable in determining proper documentation and providing excellent customer service to existing and prospective clients in order to support customer retention and business development efforts. The home office will be based out of our Cross Plains-Support Center. Essential Responsibilities Manage lender's loan renewals and new loan requests & complete due diligence to prepare for underwriting and approval. Re-verify that credit request has up-to-date information to determine proper loan documents required for the loan closing based on the approval and loan product. Verify all supporting documentation to verify owners & authorized signers, accurate addresses, collateral descriptions and proper insurance. Work with Lender for collection of any outstanding loan approval contingencies. Verify and accurately input codes including but not limited to product code, class code, purpose code, part 365 code, aggregate debt, new money, collateral codes, LTV and appraised value. Review final appraisal or real estate valuation. Properly validate notices are provided to clients when applicable. Adjust documentation in file for updated values. Coordinate and schedule closings with Lender and other members of the team as appropriate. Work with third party individuals as needed such as insurance agents, title companies and financials to obtain payoffs, when applicable. Prepare commercial and ag loan closing documents, utilizing Laser Pro and any ancillary systems required to retrieve documents. Validate that all compliance requirements are met and accurate, including but not limited to CIP, CRA, HMDA, Beneficial Ownership and Reg. B. Perform peer reviews of loan document packages prior to loan closings to identify corrections needed. Process Adverse Action for loan requests that are denied, withdrawn, closed for incompleteness or approved but not accepted timely and accurately following loan regulations. Properly process and document collateral and/or guarantor change requests. Adhere to all Bank Security/Compliance Regulations Complete all annual bank security and compliance training Adhere to Bank Security/compliance and policy guidelines for commercial loan area. Maintain confidentiality of customer information at all times. Stay current on all compliance regulations required through training and education Other Responsibilities Build trust and rapport with lenders, credit and closing by being a direct contact for them. Keep lines of communication open by acting as a liaison between customers, commercial/ag bankers, underwriters and other bank personnel. Participate in bank and department meetings. Represent the bank in professional and community activities. Actively participate in training programs to stay updated on industry trends and technologies. Partner effectively across all levels of the organization and develop positive working relationships. Continually develop knowledge, skills, and abilities through internal and external training programs. Perform all other duties as assigned or requested. Requirements: Associate's degree in finance, Accounting, Business and/or similar field of education and/or minimum 3 years previous work experience in lending, loan processing, loan closing, underwriting, banking or similar work experience. Previous experience working with high profile clients and/or direct customer service experience. Well-developed interpersonal and communication skills (verbal & written) in order to communicate and relate effectively with customers and associates Good accounting/math skills with the ability to work precisely with numbers and financial calculations. Demonstrated ability to represent the organization in a professional, positive manner Demonstrated problem solving skills with the ability to make independent decisions Strong organizational skills with the ability to prioritize multiple competing tasks and work in a fast-paced environment. Strong attention to detail with excellent follow up skills Demonstrated ability to take initiative and to provide ownership over own work in order to get the job done. Strong organizational skills, including the ability to prioritize and remain calm while working in a fast paced/deadline driven environment. Good working knowledge of Microsoft Office Suite, proficient typing/keyboarding skills and the ability and willingness to learn new programs and software. Ability to maintain confidential customer information. Ability to read, write, understand and speak English clearly. Ability to represent the organization in a professional, positive manner. Preferred Qualifications Bachelor's degree or 5+ years previous commercial loan processing/underwriting experience. Knowledge of Commercial and Agricultural documentation. Lake Ridge Bank values a diverse workforce and is an Affirmative Action/Equal Opportunity Employer. Consistent with Lake Ridge Bank's commitment to employ and advance qualified individuals with disabilities, Lake Ridge Bank provides reasonable accommodation to apply for or perform a job. Some examples of reasonable accommodation include alternate methods to apply, providing documents in an alternate format, altering work procedures, specialized equipment or use of an interpreter. If an individual needs reasonable accommodations to apply or perform a job here at Lake Ridge Bank, please contact Human Resources at or email us. PI757fbaaaeb83-6962
Description: The Loan Production Associate is responsible for providing a smooth loan process for our customers by ensuring all documentation and contingencies are met prior to Commercial and Ag loan closings. This position will work with customers and our Commercial and Ag Lending teams throughout the entire loan process to collect all necessary documentation & contingencies, input all relevant information accurately and review appropriately in order for the loan closing to happen on time and to the customer's expectations while following loan policy, internal procedures and compliance regulations. This role will remain knowledgeable in determining proper documentation and providing excellent customer service to existing and prospective clients in order to support customer retention and business development efforts. The home office will be based out of our Cross Plains-Support Center. Essential Responsibilities Manage lender's loan renewals and new loan requests & complete due diligence to prepare for underwriting and approval. Re-verify that credit request has up-to-date information to determine proper loan documents required for the loan closing based on the approval and loan product. Verify all supporting documentation to verify owners & authorized signers, accurate addresses, collateral descriptions and proper insurance. Work with Lender for collection of any outstanding loan approval contingencies. Verify and accurately input codes including but not limited to product code, class code, purpose code, part 365 code, aggregate debt, new money, collateral codes, LTV and appraised value. Review final appraisal or real estate valuation. Properly validate notices are provided to clients when applicable. Adjust documentation in file for updated values. Coordinate and schedule closings with Lender and other members of the team as appropriate. Work with third party individuals as needed such as insurance agents, title companies and financials to obtain payoffs, when applicable. Prepare commercial and ag loan closing documents, utilizing Laser Pro and any ancillary systems required to retrieve documents. Validate that all compliance requirements are met and accurate, including but not limited to CIP, CRA, HMDA, Beneficial Ownership and Reg. B. Perform peer reviews of loan document packages prior to loan closings to identify corrections needed. Process Adverse Action for loan requests that are denied, withdrawn, closed for incompleteness or approved but not accepted timely and accurately following loan regulations. Properly process and document collateral and/or guarantor change requests. Adhere to all Bank Security/Compliance Regulations Complete all annual bank security and compliance training Adhere to Bank Security/compliance and policy guidelines for commercial loan area. Maintain confidentiality of customer information at all times. Stay current on all compliance regulations required through training and education Other Responsibilities Build trust and rapport with lenders, credit and closing by being a direct contact for them. Keep lines of communication open by acting as a liaison between customers, commercial/ag bankers, underwriters and other bank personnel. Participate in bank and department meetings. Represent the bank in professional and community activities. Actively participate in training programs to stay updated on industry trends and technologies. Partner effectively across all levels of the organization and develop positive working relationships. Continually develop knowledge, skills, and abilities through internal and external training programs. Perform all other duties as assigned or requested. Requirements: Associate's degree in finance, Accounting, Business and/or similar field of education and/or minimum 3 years previous work experience in lending, loan processing, loan closing, underwriting, banking or similar work experience. Previous experience working with high profile clients and/or direct customer service experience. Well-developed interpersonal and communication skills (verbal & written) in order to communicate and relate effectively with customers and associates Good accounting/math skills with the ability to work precisely with numbers and financial calculations. Demonstrated ability to represent the organization in a professional, positive manner Demonstrated problem solving skills with the ability to make independent decisions Strong organizational skills with the ability to prioritize multiple competing tasks and work in a fast-paced environment. Strong attention to detail with excellent follow up skills Demonstrated ability to take initiative and to provide ownership over own work in order to get the job done. Strong organizational skills, including the ability to prioritize and remain calm while working in a fast paced/deadline driven environment. Good working knowledge of Microsoft Office Suite, proficient typing/keyboarding skills and the ability and willingness to learn new programs and software. Ability to maintain confidential customer information. Ability to read, write, understand and speak English clearly. Ability to represent the organization in a professional, positive manner. Preferred Qualifications Bachelor's degree or 5+ years previous commercial loan processing/underwriting experience. Knowledge of Commercial and Agricultural documentation. Lake Ridge Bank values a diverse workforce and is an Affirmative Action/Equal Opportunity Employer. Consistent with Lake Ridge Bank's commitment to employ and advance qualified individuals with disabilities, Lake Ridge Bank provides reasonable accommodation to apply for or perform a job. Some examples of reasonable accommodation include alternate methods to apply, providing documents in an alternate format, altering work procedures, specialized equipment or use of an interpreter. If an individual needs reasonable accommodations to apply or perform a job here at Lake Ridge Bank, please contact Human Resources at or email us. PI757fbaaaeb83-6962
New River Electrical Corporation
Granville, Ohio
Position Title: Senior Risk Manager (On-Site Position) Location: Granville , OH Pay Range: N/A Application Instructions Please complete the application completely and accurately. Position Description POSITION SUMMARY As the Senior Risk Manager at New River Electrical Corporation (the "Company"), you will lead the Company's Risk and Insurance function and serve as a senior member of the Risk and Insurance Department. You will develop and manage the Company's Enterprise Risk Management (ERM) program, direct the day-to-day work of the Risk and Insurance team, and own the Company's insurance, claims, surety, and contract-risk functions. You will provide seasoned direction to the team, act as the primary point of coordination between the Risk and Insurance group and senior leadership, and lead a captive insurance company feasibility study. This position reports to the Senior Vice President, General Counsel and may be based in Strongsville, Ohio or Granville, Ohio. DUTIES/RESPONSIBILITIES Enterprise Risk Management Develop, implement, and manage the Company's Enterprise Risk Management program, including risk identification, assessment, prioritization, mitigation planning, monitoring, and reporting to senior leadership. Establish and maintain a risk register and supporting processes, and drive a consistent, organization-wide approach to identifying and managing enterprise risks. Partner with leadership across finance, operations, safety, HR, and legal to embed risk management into business planning and decision-making. Prepare and deliver periodic ERM reporting to executive leadership and, as directed, to the board or applicable committees. Captive Insurance & Risk Financing Lead the Company's captive insurance company feasibility study, including coordination with actuaries, captive managers, brokers, tax and legal advisors, and internal stakeholders, and present findings and recommendations to senior leadership. Evaluate alternative risk-financing structures and retention strategies, and make recommendations on optimal program design. Insurance & Surety Program Own and administer the Company's insurance program, including property, general liability, auto, workers' compensation, professional/pollution, cyber, and excess/umbrella coverages, in coordination with brokers, carriers, and advisors. Direct the annual insurance renewal process, including underwriting data collection, exposure analysis, application preparation, and coverage placement. Oversee the certificate of insurance process (issuance to customers and collection/review from subcontractors and vendors) and the surety and bonding program, both primarily executed by the Risk and Insurance Specialist. Claims Management Oversee claims across all lines of coverage, including workers' compensation, primarily executed by the Claims Administrator, including intake, reporting, reserve monitoring, and coordination with carriers, third-party administrators, adjusters, and outside counsel. Assist with claims and litigation management, including document collection and preservation, matter tracking, and coordination with outside counsel. Assist with safety-related matters and labor and employment matters as needed, including support for incident investigations, regulatory responses, and document preparation. Contract Risk & General Oversee review of contracts, subcontracts, and customer agreements for insurance, indemnification, limitation of liability, and risk-allocation provisions, primarily executed by the Risk and Insurance Specialist, coordinating with the Legal Department on recommended positions. Answer, track, and manage customer risk assessments, pre-qualification questionnaires, and vendor qualification submissions. Draft, review, and prepare risk-related documents, including internal policies, procedures, and risk and loss reports. Partner with the Senior Vice President, General Counsel and other members of the Legal and Compliance Department to develop risk and compliance training content and substantive templates for use across the organization. Support compliance program administration, including policy management, monitoring activities, and risk and compliance reporting. Conduct research on statutes, regulations, and industry standards relevant to the Company's risk exposures. Perform other duties as assigned. SUPERVISORY RESPONSIBILITIES Directly supervise, mentor, and develop the Risk and Insurance team, currently consisting of two direct reports: Claims Administrator, responsible for claims handling across lines of coverage, including workers' compensation. Risk and Insurance Specialist, responsible for contract review, surety and bonding, certificates of insurance, and coordination with the Company's insurance broker. Set priorities, provide daily direction and coaching, manage workload allocation, conduct performance reviews, and build the capability and capacity of the team as the ERM program matures. CORE COMPETENCIES Demonstrates a high degree of emotional intelligence, including self-awareness, empathy, and the ability to navigate sensitive situations with sound judgment and composure. Builds trust-based relationships across all levels of the organization, approaching colleagues as a true partner and teammate rather than solely as an administrative resource. Provides clear direction and develops others, setting priorities and holding a team accountable while supporting its growth. Communicates with clarity, candor, and respect, able to deliver difficult messages constructively and receive feedback with openness. Thrives in a collaborative, team-oriented environment and actively contributes to a positive and supportive workplace culture. Adapts communication style and approach to meet the needs of diverse stakeholders, from field operations to senior leadership. Demonstrates accountability, reliability, and a genuine commitment to the success of the team. Handles confidential information securely and in accordance with legal and corporate policies. TRAVEL Occasional travel may be required. OTHER DUTIES Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. Position Requirements QUALIFICATIONS Bachelor's degree required; degree in risk management, insurance, finance, business, or a related field preferred. Minimum of 7 years of progressive risk management, insurance, or claims experience, including at least 2 years of direct supervisory or team-leadership experience. Construction, electrical, or industrial-sector experience strongly preferred. Professional designation preferred: Associate in Risk Management (ARM), Chartered Property Casualty Underwriter (CPCU), Certified Risk Manager (CRM), or similar. Demonstrated experience building or managing risk programs; familiarity with recognized ERM frameworks such as COSO ERM and ISO 31000 a plus. Experience with commercial insurance programs, renewals, certificates of insurance, and surety/bonding processes. Experience overseeing claims management, including workers' compensation. Experience reviewing contract risk-allocation provisions, including insurance, indemnification, and limitation of liability terms. Captive insurance experience (feasibility, formation, or captive management) preferred. Strong organizational and project management skills and high attention to detail, with the ability to manage multiple priorities and deadlines simultaneously. Strong communication and interpersonal skills, with the ability to interact effectively with senior management, business partners, and external stakeholders. High ethical standards and professional integrity. Proficiency in Microsoft Office Suite and risk management information systems (RMIS) or comparable platforms. Ability to work independently and as part of a team. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to see, talk and hear. The employee is required to sit at a desk and work on a computer for prolonged periods of time. Equal Opportunity Employer AAP/EEO Statement It has been and will continue to be a fundamental policy of the Company not to discriminate on the basis of race, color, religion, sex, national origin, age, disability, sexual orientation, gender identity, or status as a veteran, or any other basis protected by applicable federal, state or local law, with respect to recruitment, hiring, training, promotion, and other terms and condition of employment. PI885ee2b363fb-3441
Position Title: Senior Risk Manager (On-Site Position) Location: Granville , OH Pay Range: N/A Application Instructions Please complete the application completely and accurately. Position Description POSITION SUMMARY As the Senior Risk Manager at New River Electrical Corporation (the "Company"), you will lead the Company's Risk and Insurance function and serve as a senior member of the Risk and Insurance Department. You will develop and manage the Company's Enterprise Risk Management (ERM) program, direct the day-to-day work of the Risk and Insurance team, and own the Company's insurance, claims, surety, and contract-risk functions. You will provide seasoned direction to the team, act as the primary point of coordination between the Risk and Insurance group and senior leadership, and lead a captive insurance company feasibility study. This position reports to the Senior Vice President, General Counsel and may be based in Strongsville, Ohio or Granville, Ohio. DUTIES/RESPONSIBILITIES Enterprise Risk Management Develop, implement, and manage the Company's Enterprise Risk Management program, including risk identification, assessment, prioritization, mitigation planning, monitoring, and reporting to senior leadership. Establish and maintain a risk register and supporting processes, and drive a consistent, organization-wide approach to identifying and managing enterprise risks. Partner with leadership across finance, operations, safety, HR, and legal to embed risk management into business planning and decision-making. Prepare and deliver periodic ERM reporting to executive leadership and, as directed, to the board or applicable committees. Captive Insurance & Risk Financing Lead the Company's captive insurance company feasibility study, including coordination with actuaries, captive managers, brokers, tax and legal advisors, and internal stakeholders, and present findings and recommendations to senior leadership. Evaluate alternative risk-financing structures and retention strategies, and make recommendations on optimal program design. Insurance & Surety Program Own and administer the Company's insurance program, including property, general liability, auto, workers' compensation, professional/pollution, cyber, and excess/umbrella coverages, in coordination with brokers, carriers, and advisors. Direct the annual insurance renewal process, including underwriting data collection, exposure analysis, application preparation, and coverage placement. Oversee the certificate of insurance process (issuance to customers and collection/review from subcontractors and vendors) and the surety and bonding program, both primarily executed by the Risk and Insurance Specialist. Claims Management Oversee claims across all lines of coverage, including workers' compensation, primarily executed by the Claims Administrator, including intake, reporting, reserve monitoring, and coordination with carriers, third-party administrators, adjusters, and outside counsel. Assist with claims and litigation management, including document collection and preservation, matter tracking, and coordination with outside counsel. Assist with safety-related matters and labor and employment matters as needed, including support for incident investigations, regulatory responses, and document preparation. Contract Risk & General Oversee review of contracts, subcontracts, and customer agreements for insurance, indemnification, limitation of liability, and risk-allocation provisions, primarily executed by the Risk and Insurance Specialist, coordinating with the Legal Department on recommended positions. Answer, track, and manage customer risk assessments, pre-qualification questionnaires, and vendor qualification submissions. Draft, review, and prepare risk-related documents, including internal policies, procedures, and risk and loss reports. Partner with the Senior Vice President, General Counsel and other members of the Legal and Compliance Department to develop risk and compliance training content and substantive templates for use across the organization. Support compliance program administration, including policy management, monitoring activities, and risk and compliance reporting. Conduct research on statutes, regulations, and industry standards relevant to the Company's risk exposures. Perform other duties as assigned. SUPERVISORY RESPONSIBILITIES Directly supervise, mentor, and develop the Risk and Insurance team, currently consisting of two direct reports: Claims Administrator, responsible for claims handling across lines of coverage, including workers' compensation. Risk and Insurance Specialist, responsible for contract review, surety and bonding, certificates of insurance, and coordination with the Company's insurance broker. Set priorities, provide daily direction and coaching, manage workload allocation, conduct performance reviews, and build the capability and capacity of the team as the ERM program matures. CORE COMPETENCIES Demonstrates a high degree of emotional intelligence, including self-awareness, empathy, and the ability to navigate sensitive situations with sound judgment and composure. Builds trust-based relationships across all levels of the organization, approaching colleagues as a true partner and teammate rather than solely as an administrative resource. Provides clear direction and develops others, setting priorities and holding a team accountable while supporting its growth. Communicates with clarity, candor, and respect, able to deliver difficult messages constructively and receive feedback with openness. Thrives in a collaborative, team-oriented environment and actively contributes to a positive and supportive workplace culture. Adapts communication style and approach to meet the needs of diverse stakeholders, from field operations to senior leadership. Demonstrates accountability, reliability, and a genuine commitment to the success of the team. Handles confidential information securely and in accordance with legal and corporate policies. TRAVEL Occasional travel may be required. OTHER DUTIES Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. Position Requirements QUALIFICATIONS Bachelor's degree required; degree in risk management, insurance, finance, business, or a related field preferred. Minimum of 7 years of progressive risk management, insurance, or claims experience, including at least 2 years of direct supervisory or team-leadership experience. Construction, electrical, or industrial-sector experience strongly preferred. Professional designation preferred: Associate in Risk Management (ARM), Chartered Property Casualty Underwriter (CPCU), Certified Risk Manager (CRM), or similar. Demonstrated experience building or managing risk programs; familiarity with recognized ERM frameworks such as COSO ERM and ISO 31000 a plus. Experience with commercial insurance programs, renewals, certificates of insurance, and surety/bonding processes. Experience overseeing claims management, including workers' compensation. Experience reviewing contract risk-allocation provisions, including insurance, indemnification, and limitation of liability terms. Captive insurance experience (feasibility, formation, or captive management) preferred. Strong organizational and project management skills and high attention to detail, with the ability to manage multiple priorities and deadlines simultaneously. Strong communication and interpersonal skills, with the ability to interact effectively with senior management, business partners, and external stakeholders. High ethical standards and professional integrity. Proficiency in Microsoft Office Suite and risk management information systems (RMIS) or comparable platforms. Ability to work independently and as part of a team. PHYSICAL DEMANDS The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to see, talk and hear. The employee is required to sit at a desk and work on a computer for prolonged periods of time. Equal Opportunity Employer AAP/EEO Statement It has been and will continue to be a fundamental policy of the Company not to discriminate on the basis of race, color, religion, sex, national origin, age, disability, sexual orientation, gender identity, or status as a veteran, or any other basis protected by applicable federal, state or local law, with respect to recruitment, hiring, training, promotion, and other terms and condition of employment. PI885ee2b363fb-3441
FM
Norwood, Massachusetts
Job Description: Established nearly two centuries ago, FM is a leading mutual insurance company whose capital, scientific research capability and engineering expertise are solely dedicated to property risk management and the resilience of its policyholder-owners. These owners, who share the belief that the majority of property loss is preventable, represent many of the world's largest organizations, including one of every four Fortune 500 companies. They work with FM to better understand the hazards that can impact their business continuity to make cost-effective risk management decisions, combining property loss prevention with insurance protection. FM is seeking an experienced construction risk underwriting professional to bring deep builders risk expertise to inform and shape our approach to construction risk. This role will serve as a technical and strategic expert, helping define underwriting standards, evaluate complex construction exposures, and guide how we assess and manage builders risk in a global capacity. This is a high-impact individual contributor role designed for someone who has subject matter expertise in builders risk underwriting and can bring an informed, market-tested perspective to how we approach construction risk. This position offers location flexibility, with candidates able to be based near any FM office. Depending on the candidate's experience and background, this role may also be considered at a senior level. This role operates at the front line of underwriting, leading broker and client engagement, making pricing and underwriting decisions, and managing deals end-to-end within established authority. The ideal candidate thrives in a fast-paced environment, demonstrates strong judgment and commercial acumen, and effectively balances opportunity with risk. Underwriting & Deal Leadership Lead underwriting of complex construction projects, including direct engagement with brokers and clients Evaluate risks, develop pricing strategies, and structure terms and conditions for large-scale builder's risk placements Make clear, well-supported underwriting recommendations, including appropriate capacity deployment and risk selection Manage deals independently from initial engagement through execution, escalating selectively based on authority thresholds Balance commercial objectives with underwriting discipline, adjusting approach based on project-specific risk factors Risk Assessment & Portfolio Management Analyze construction exposures, including contractor risk, project phasing, and key loss drivers Align individual underwriting decisions with broader portfolio strategy, including aggregation, capacity deployment, and risk concentration Maintain accurate and up-to-date documentation of underwriting decisions within internal systems Monitor market conditions, competitor activity, and portfolio performance to inform decision-making Client & Broker Engagement Build and maintain strong relationships with brokers, clients, and internal stakeholders Lead negotiations related to pricing, coverage structure, and terms and conditions Communicate recommendations clearly and effectively, maintaining credibility and trust with external partners Exercise appropriate challenge and negotiation discipline to achieve balanced outcomes Collaboration & Continuous Improvement Partner with engineering, client service, and underwriting leadership to deliver integrated risk solutions Contribute to the development of underwriting frameworks, best practices, and scalable processes Provide guidance and mentorship to team members, as appropriate Leverage internal systems, tools, and technology to enhance underwriting effectiveness and efficiency Qualifications: 10+ years of property underwriting experience Demonstrated experience underwriting construction risks, including large or complex projects Proven ability to manage deals end-to-end and operate within defined authority levels Experience leading broker and client discussions, including negotiation of pricing and terms Strong understanding of construction risk exposures, project structures, and loss drivers Advanced analytical, problem-solving, and decision-making skills Ability to assess and prioritize risks in a fast-paced, high-pressure environment Excellent interpersonal, written, and verbal communication skills Bachelor's degree or equivalent experience required CPCU, ARM, or advanced degree preferred The final salary offer will vary based on geographic location, individual education, skills, and experience. The position is eligible to participate in FM's comprehensive Total Rewards program that includes an incentive plan, medical, dental and vision insurance, life and disability insurance, well-being programs, a 401(k) and pension plan, career development opportunities, tuition reimbursement, flexible work, and time off, including vacation and sick time. FM is an Equal Opportunity Employer and is committed to attracting, developing and retaining a diverse workforce.
Job Description: Established nearly two centuries ago, FM is a leading mutual insurance company whose capital, scientific research capability and engineering expertise are solely dedicated to property risk management and the resilience of its policyholder-owners. These owners, who share the belief that the majority of property loss is preventable, represent many of the world's largest organizations, including one of every four Fortune 500 companies. They work with FM to better understand the hazards that can impact their business continuity to make cost-effective risk management decisions, combining property loss prevention with insurance protection. FM is seeking an experienced construction risk underwriting professional to bring deep builders risk expertise to inform and shape our approach to construction risk. This role will serve as a technical and strategic expert, helping define underwriting standards, evaluate complex construction exposures, and guide how we assess and manage builders risk in a global capacity. This is a high-impact individual contributor role designed for someone who has subject matter expertise in builders risk underwriting and can bring an informed, market-tested perspective to how we approach construction risk. This position offers location flexibility, with candidates able to be based near any FM office. Depending on the candidate's experience and background, this role may also be considered at a senior level. This role operates at the front line of underwriting, leading broker and client engagement, making pricing and underwriting decisions, and managing deals end-to-end within established authority. The ideal candidate thrives in a fast-paced environment, demonstrates strong judgment and commercial acumen, and effectively balances opportunity with risk. Underwriting & Deal Leadership Lead underwriting of complex construction projects, including direct engagement with brokers and clients Evaluate risks, develop pricing strategies, and structure terms and conditions for large-scale builder's risk placements Make clear, well-supported underwriting recommendations, including appropriate capacity deployment and risk selection Manage deals independently from initial engagement through execution, escalating selectively based on authority thresholds Balance commercial objectives with underwriting discipline, adjusting approach based on project-specific risk factors Risk Assessment & Portfolio Management Analyze construction exposures, including contractor risk, project phasing, and key loss drivers Align individual underwriting decisions with broader portfolio strategy, including aggregation, capacity deployment, and risk concentration Maintain accurate and up-to-date documentation of underwriting decisions within internal systems Monitor market conditions, competitor activity, and portfolio performance to inform decision-making Client & Broker Engagement Build and maintain strong relationships with brokers, clients, and internal stakeholders Lead negotiations related to pricing, coverage structure, and terms and conditions Communicate recommendations clearly and effectively, maintaining credibility and trust with external partners Exercise appropriate challenge and negotiation discipline to achieve balanced outcomes Collaboration & Continuous Improvement Partner with engineering, client service, and underwriting leadership to deliver integrated risk solutions Contribute to the development of underwriting frameworks, best practices, and scalable processes Provide guidance and mentorship to team members, as appropriate Leverage internal systems, tools, and technology to enhance underwriting effectiveness and efficiency Qualifications: 10+ years of property underwriting experience Demonstrated experience underwriting construction risks, including large or complex projects Proven ability to manage deals end-to-end and operate within defined authority levels Experience leading broker and client discussions, including negotiation of pricing and terms Strong understanding of construction risk exposures, project structures, and loss drivers Advanced analytical, problem-solving, and decision-making skills Ability to assess and prioritize risks in a fast-paced, high-pressure environment Excellent interpersonal, written, and verbal communication skills Bachelor's degree or equivalent experience required CPCU, ARM, or advanced degree preferred The final salary offer will vary based on geographic location, individual education, skills, and experience. The position is eligible to participate in FM's comprehensive Total Rewards program that includes an incentive plan, medical, dental and vision insurance, life and disability insurance, well-being programs, a 401(k) and pension plan, career development opportunities, tuition reimbursement, flexible work, and time off, including vacation and sick time. FM is an Equal Opportunity Employer and is committed to attracting, developing and retaining a diverse workforce.
