Senior Underwriter, Team Lead - Large Commercial Property

Senior Underwriter - Team Lead, Property

San Francisco, California

As the world changes and markets become more competitive, and as our clients’ needs become more complex, more than ever we are competing for time, for opportunities, for relevance. Differentiation at all levels, including how we think about and engage with our clients, is of utmost importance.

The Senior Underwriter in Property plays a critical role in evaluating and underwriting complex property insurance risks. This position requires a deep understanding of risk assessment, pricing, and coverage terms to ensure profitability and adherence to underwriting guidelines. The Senior Underwriter collaborates closely with brokers and clients to develop customized insurance solutions, manage a diverse portfolio, and drive business growth. Strong analytical skills, industry expertise, and the ability to cultivate lasting relationships are essential for success in this role.

What you’ll be doing

What will your essential responsibilities include?

• Provide leadership for the Los Angeles property team in the Marketing and Underwriting of new and renewal business opportunities for retail broker partners, focusing on Property and related product lines. While additionally, contributing to special projects as assigned by senior management.
• Lead in the future development of the existing Underwriting staff and the hiring of the future Underwriters in the southwest region
• Contribute to regional planning by developing and executing an annual desk-level underwriting plan.
• Mentoring and motivating team underwriters, while working with underwriting assistants and other integral members of your team.
• Support the training and onboarding of new hires to foster a knowledgeable team.
• Analyze submission data including applications, policy wording, inspection reports, loss runs, and financial reports while conducting appropriate research to determine degree of risk for each account.
• Utilize advanced underwriting tools and methodologies to evaluate complex property exposures.
• Adhere to underwriting guidelines, underwriting authorities and referral requirements as needed to regional management, product management and chief underwriting officers.
• Collaborate with internal colleagues in the assessment of current and prospective risks, including actuarial, claims, legal and risk engineering.
• Pro-active service of business in conjunction with our Middle Office to ensure timely and accurate delivery of quotations, binders, policies and endorsements.
• Cross-sell with other business units to maximize deployment of AXA XL’s capital and broaden product offerings.
• Monitor marketplace trends to stay informed about and ahead of emerging issues and opportunities within the Property sector.
• Maintain compliance with all internal and external underwriting guidelines and legal requirements.
• Assist in portfolio management regarding limit deployment, attachment point aggregation, pricing adequacy and policy terms and conditions.
  
  

You will report to Head of Property, West

What you’ll bring

We’re looking for someone who has these abilities and skills:

Required Skills And Abilities

• A bachelor’s degree or equivalent experience
• In-depth Property Underwriting expertise related to solutions to contribute to the underwriting of the full range of Property products.
• Strong insured and broker interaction in assigned geographic territory with the ability to effectively target current and prospective contacts in order to effectively promote offered products.
• The ability to travel a minimum of 25% of the time is anticipated.
  
  

Desired Skills And Abilities

• Exceptional organizational and time management skills with the ability to perform accurate mathematical calculations.
• Ability to work independently while being an open-minded team player, actively listening to comprehend unique circumstances that require practical and innovative solutions to complex issues.
• Excellent written and oral communication skills to work with both internal teams and external brokers as you will work in a team environment, assisting underwriters and / or deal administrators as part of their overall responsibility.
• Excellent collaborative skills in a fast-paced team-centric environment.
• The ability to demonstrate critical thinking, decision making, and problem-solving skills.
  
  

What we offer

Inclusion

AXA XL is committed to equal employment opportunity and will consider applicants regardless of gender, sexual orientation, age, ethnicity and origins, marital status, religion, disability, or any other protected characteristic. At AXA XL, we know that an inclusive culture and enables business growth and is critical to our success. That’s why we have made a strategic commitment to attract, develop, advance and retain the most inclusive workforce possible, and create a culture where everyone can bring their full selves to work and reach their highest potential. It’s about helping one another — and our business — to move forward and succeed.

• Five Business Resource Groups focused on gender, LGBTQ , ethnicity and origins, disability and inclusion with 20 Chapters around the globe.
• Robust support for Flexible Working Arrangements
• Enhanced family-friendly leave benefits
• Named to the Diversity Best Practices Index
• Signatory to the UK Women in Finance Charter
  
  

Learn more at Inclusion & Diversity at AXA XL | AXA XL. AXA XL is an Equal Opportunity Employer.

Total Rewards

AXA XL’s Reward program is designed to take care of what matters most to you, covering the full picture of your health, wellbeing, lifestyle and financial security. It provides competitive compensation and personalized, inclusive benefits that evolve as you do.

We’re committed to rewarding your contribution for the long term, so you can be your best self today and look forward to the future with confidence.

Sustainability

At AXA XL, Sustainability is integral to our business strategy. In an ever-changing world, AXA XL protects what matters most for our clients and communities. We know that sustainability is at the root of a more resilient future. Our 2023-26 Sustainability strategy, called “Roots of resilience”, focuses on protecting natural ecosystems, addressing climate change, and embedding sustainable practices across our operations.

Our Pillars

• Valuing nature: How we impact nature affects how nature impacts us. Resilient ecosystems - the foundation of a sustainable planet and society - are essential to our future. We’re committed to protecting and restoring nature - from mangrove forests to the bees in our backyard - by increasing biodiversity awareness and inspiring clients and colleagues to put nature at the heart of their plans.
• Addressing climate change: The effects of a changing climate are far-reaching and significant. Unpredictable weather, increasing temperatures, and rising sea levels cause both social inequalities and environmental disruption. We're building a net zero strategy, developing insurance products and services, and mobilizing to advance thought leadership and investment in societal-led solutions.
• Integrating ESG: All companies have a role to play in building a more resilient future. Incorporating ESG considerations into our internal processes and practices builds resilience from the roots of our business. We’re training our colleagues, engaging our external partners, and evolving our sustainability governance and reporting.
• AXA Hearts in Action: We have established volunteering and charitable giving programs to help colleagues support causes that matter most to them, known as AXA XL’s “Hearts in Action” programs. These include our Matching Gifts program, Volunteering Leave, and our annual volunteering day - the Global Day of Giving.
  
  

For more information, please see Sustainability at AXA XL.

The U.S. base salary range for this position is $155,500 to $233,000 USD.

Actual pay will be determined based upon the individual’s skills, experience and location. We strive for market alignment and internal equity with our colleagues’ pay.

At AXA XL, we know how important physical, mental, and financial health are to our employees, which is why we are proud to offer benefits such as a competitive retirement savings plan, health and wellness programs, and many other benefits. We also believe in fostering our colleagues' development and offer a wide range of learning opportunities for colleagues to hone their professional skills and to position themselves for the next step of their careers. For more details about AXA XL’s benefits offerings, please visit US Benefits at a Glance 2025.

Who we are

AXA XL, the P&C and specialty risk division of AXA, is known for solving complex risks. For mid-sized companies, multinationals and even some inspirational individuals we don’t just provide re/insurance, we reinvent it.

How? By combining a comprehensive and efficient capital platform, data-driven insights, leading technology, and the best talent in an agile and inclusive workspace, empowered to deliver top client service across all our lines of business − property, casualty, professional, financial lines and specialty.

With an innovative and flexible approach to risk solutions, we partner with those who move the world forward.

Learn more at axaxl.com