Souscripteur principal/ Senior Underwriter

You have a clear vision of where your career can go. And we have the leadership to help you get there. At CNA, we strive to create a culture in which people know they matter and are part of something important, ensuring the abilities of all employees are used to their fullest potential.

Sous lautorite de la direction technique, le souscripteur principal ou la souscriptrice principale est responsable de la souscription des risques dans un volume daffaires donne et travaille dans les limites de lautorite qui lui est conferee sur des dossiers de grande complexite technique exigeant une importante coordination. Le ou la titulaire du poste doit se conformer aux politiques et aux lignes directrices en matiere de souscription, aux regles en matiere de tarifs, ainsi quaux lois et reglementations en vigueur en matiere dassurance.

Under technical direction, responsible for underwriting risks in a book of business. Works within specific limits of authority on assignments requiring significant technical complexity and coordination. Utilizes underwriting policies and guidelines, rating manual rules and insurance laws and regulations.

JOB DESCRIPTION:

Principales taches et responsabilites

• Analyser les risques, effectuer la tarification, negocier, definir les conditions et renvoyer a la direction si necessaire pour les renouvellements et les affaires nouvelles.
• Effectuer les soumissions, negocier et renvoyer en reassurance si necessaire.
• Examiner les rapports de sinistres et les rapports actuariels, et prendre des mesures en matiere de souscription si necessaire.
• Gerer toutes les primes, y compris celles de affaires nouvelles, des renouvellements et des avenants, conformement aux lignes directrices de lentreprise.
• Remplir les rapports de souscription, passer en revue les recommandations relatives aux inspections et en effectuer le suivi, et analyser les sinistres.
• Gerer le portefeuille des comptes existants afin de garantir la rentabilite visee et la conservation des renouvellements.
• Veiller a ce que toutes les affaires nouvelles et tous les renouvellements soient documentes de maniere adequate, conformement aux normes exigees.
• Etablir des relations avec les courtiers partenaires et les entretenir. Passer des appels commerciaux et contribuer a lelaboration de plans de ventes communes a laide du logiciel Salesforce.
• Prendre des mesures daudit de souscription et les appliquer, si necessaire.
• Veiller a ce que les normes de service en matiere de traitement des documents et de flux de travail sont appropriees et adaptees au rythme de lunite fonctionnelle.

Effectuer dautres taches en fonction des besoins peut etre requis.

Essential Duties & Responsibilities

• Performs a combination of duties in accordance with departmental guidelines.
• Reviews applications and financial requirements for risks requiring complex underwriting skills. Determines acceptability of risk in accordance with company guidelines and standards. Also, determines the need for additional evidence of insurability and appropriate strategy.
• Determines appropriate pricing based on financial and competitive analysis in line with compliance requirements.
• Prepares quotes and answers questions from Brokers, policyholders or other external contacts and escalates issues to management along with proposed solutions as necessary. Negotiates with brokers to reach positive and profitable outcomes.
• Notifies brokers of adverse underwriting decisions, rate changes, underwriting requirements, status and declinations.
• Analyzes quality, quantity, and profitability of risks underwritten and prepares reports for management review.
• Markets products and services through the brokerage community and makes field visits. Develops and maintains broker relationships.
• May provide guidance and assistance to other underwriters and to other functional areas, particularly when related to cross-sell opportunities.
• Keeps current on provincial and federal issues and regulations, industry activity and trends and freely shares information with others.
• Utilizes advanced functionality in relevant CNA systems to perform day-to-day activities.
• Works with more specialists or management on risks exceeding authority level or requiring special handling.

Competences, connaissances et aptitudes

• Connaissances du fonctionnement de lassurance automobile dans les autres provinces et de la souscription pour les comptes nationaux.
• Connaissances du marche de lOntario. Une experience prealable en assurance dans les secteurs de la construction et de la fabrication est un atout.
• Connaissances avancees, theoriques et pratiques, de la souscription et du domaine de lassurance.
• Haut niveau dexpertise technique et connaissances approfondies des produits.
• Excellentes aptitudes en matiere de relations interpersonnelles, de communication et de negociation, et capacite a interagir efficacement avec lensemble des partenaires commerciaux internes et externes de CNA.
• Grande autonomie.
• Solides competences analytiques et en resolution de problemes.
• Capacite a faire preuve dun jugement independant et a prendre des decisions commerciales importantes de maniere efficace.
• Maitrise de Microsoft Office et des logiciels propres au secteur de lassurance.
• Competences eprouvees en matiere de leadership.

Skills, Knowledge and Abilities

• Advanced knowledge of underwriting and insurance industry theories and practices.
• Demonstrated high level of technical expertise and product specific knowledge.
• Strong interpersonal, communication and negotiation skills. Ability to effectively interact with all levels of CNA's internal and external business partners.
• Ability to work independently.
• Strong analytical and problem solving skills.
• Ability to exercise independent judgment and to make critical business decisions effectively.
• Knowledge of Microsoft Office Suite as well as other business-related software.
• Demonstrated leadership skills.

Formation et experience

• Diplome universitaire et titre de Professionnel dassurance agree (PAA) ou de Fellow, Professionnel dassurance agree (FPAA) (titre obtenu ou en voie de lobtenir).
• Minimum de 5 ans dexperience en souscription.

Education and Experience

• Bachelor's degree or equivalent experience. Professional designations preferred.
• Typically a minimum five years underwriting experience.

Chez CNA, la philosophie de remuneration globale temoigne de notre engagement a creer une culture inclusive et stimulante, au sein de laquelle chaque membre de lequipe a la possibilite de sepanouir, dapporter sa contribution et de developper ses competences. Nous accordons de limportance aux forces et aux perspectives uniques que chaque personne apporte a notre entreprise, a notre clientele et a nos communautes. Le salaire de base pour ce poste se situe entre $90,000 $ et $120,000 par an, auquel sajoute un ensemble davantages sociaux complet et concurrentiel, afin daider les membres de notre personnel et les membres de leur famille a atteindre leurs objectifs en matiere de bien-etre physique, financier, emotionnel et social. Le salaire de base est determine en fonction de divers facteurs, y compris, mais sans sy limiter, lexperience professionnelle pertinente, les competences, la reconnaissance des titres de competence et lemplacement geographique. Veuillez noter que la presente offre porte sur un poste vacant.

Our Total Rewards philosophy reflects our commitment to building a high-performing, inclusive culture where every team member is empowered to grow, contribute, and thrive. We value the unique strengths and perspectives each individual brings to our business, our clients, and our communities. The base salary range for this position is $90,000 to $120,000, complemented by a comprehensive and competitive benefits package to help our employees and their family members achieve their physical, financial, emotional, and social wellbeing goals. Base salary determinations are based on various factors, including but not limited to, relevant work experience, skills, certifications and location. Please note that this posting is for an existing vacancy.

At CNA, we are committed to providing equal employment opportunities to all employees and applicants. It is our policy to provide equal employment opportunities to employees and applicants based on job-related qualifications and ability to perform a job. If you require an accommodation during the hiring process or upon hire, please inform Human Resources. If a selected applicant requests accommodation during the recruitment process, CNA will consult with the applicant in order to provide suitable accommodation that takes into account the applicants accessibility needs.