[Hiring] Consultant, Program Underwriting - E&S/Specialty (Workers Compensation) @Nationwide

Role Description

If you’re passionate about helping people protect what matters most to them at a Fortune 100 company with nearly $70 billion in annual sales, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide’s Property and Casualty team could be the place for you!

We’re looking for a technically strong workers compensation underwriter to help steer a growing portfolio of WC programs. You’ll be the go-to expert for complex WC referrals and program questions, directly impacting profitability, volatility, and partner experience across our book.

What you’ll do

• Underwrite complex WC program and large account referrals end-to-end (exposures, losses, structure, and pricing recommendations).
• Use internal pricing tools, actuarial input, and financial analysis to recommend sound pricing, terms, and structures (e.g., deductibles, large deductibles, dividends, alternative risk).
• Assess jurisdictional risk (e.g., CA, NY, FL and other challenging venues) and incorporate severity, ALAE, CT, and regulatory nuances into your decisions.
• Monitor a defined slice of the WC program portfolio (loss ratio, growth, retention, mix), surfacing trends and recommending corrective actions.
• Serve as a primary WC underwriting contact for assigned program administrators / MGUs and MGAs, shaping submission quality, data, and expectations.
• Partner with Finance, Actuarial, Claims, Risk Control, and Operations to align on risk quality, loss drivers, collateral, and improvement plans.
• Model disciplined documentation and communication, including clear system notes and concise leadership-ready summaries.

Qualifications

• 7+ years of workers compensation experience (underwriting or similar), with a strong preference for program, large risk, or high-hazard WC.
• Proven ability to underwrite complex, multi-state WC risks and to use data, models, and financial information to support your judgment.
• Strong working knowledge of WC coverages, rating plans, and state-specific requirements; designations such as AU, ARM, CPCU, (or in progress) are a plus.
• Clear, confident communication skills — able to translate technical insight into practical guidance for leadership, program partners, and brokers.
• A disciplined, portfolio-minded approach that balances growth, profitability, and volatility.

Requirements

• Actively engages in discussions with reinsurers per department guidelines verifying the appropriate use of all reinsurance facilities used by the department.
• Develops and implements underwriting guidelines, rates, forms, product endorsements and procedures.
• Responsible for audits of individual risks/programs for compliance with company guidelines, state regulations and reinsurance conditions.
• Independently establishes and maintains effective relationships with Program Managers in order to generate growth and profitably.
• Leads in the implementation of all new programs from development of underwriting guidelines, form/rate filings, compliance/regulatory matters, finance, reinsurance, claims, legal, accounting, actuarial and marketing matters.
• Acts as a resource for direction, training and guidance for less experienced staff.

Benefits

• Medical/dental/vision insurance
• Life insurance
• Short and long term disability coverage
• Paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date
• Nine paid holidays
• 8 hours of Lifetime paid time off
• 8 hours of Unity Day paid time off
• 401(k) with company match
• Company-paid pension plan
• Business casual attire
• And more