Senior Underwriter - Team Lead, Property - Los Angeles or San Francisco, California

As the world changes and markets become more competitive, and as our clients' needs become more complex, differentiation at all levels is of utmost importance. The Senior Underwriter in Property plays a critical role in evaluating and underwriting complex property insurance risks, with 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.

• Provide leadership for the regional 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 contributing to special projects as assigned by senior management.
• Lead the future development of the existing underwriting staff and the hiring of future underwriters in the South West region.
• Contribute to regional planning by developing and executing an annual desk-level underwriting plan.
• Mentor and motivate team underwriters, working with underwriting assistants and other integral members of the 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 to determine degree of risk for each account.
• Utilize advanced underwriting tools and methodologies to evaluate complex property exposures.
• Adhere to underwriting guidelines, authorities and referral requirements as needed by regional management, product management and chief underwriting officers.
• Collaborate with internal colleagues to assess current and prospective risks, including actuarial, claims, legal and risk engineering.
• Provide proactive service with the 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

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.

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. AXA XL supports an inclusive culture that enables business growth and success. 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 about Inclusion & Diversity at AXA XL. AXA XL is an Equal Opportunity Employer.

Total Rewards

AXA XL's rewards program is designed to take care of health, wellbeing, lifestyle and financial security. It provides competitive compensation and personalized, inclusive benefits that evolve as you do, rewarding contributions for the long term.

Sustainability

AXA XL integrates sustainability into its business strategy. The Roots of resilience focuses on protecting natural ecosystems, addressing climate change, and embedding sustainable practices across operations. Pillars include:

• Valuing nature: Protecting and restoring nature to support a sustainable planet and society.
• Addressing climate change: Building a net zero strategy, developing insurance products, and mobilizing for societal-led solutions.
• Integrating ESG: Incorporating ESG into internal processes and governance.
• AXA Hearts in Action: Volunteering and charitable programs including Matching Gifts and volunteering days.

For more information, see Sustainability at AXA XL. AXA XL is an Equal Opportunity Employer.

Salary

The U.S. base salary range for this position is $155,500 to $233,000 USD. Actual pay is based on skills, experience and location. We strive for market alignment and internal equity.

AXA XL offers benefits including health and wellness programs and a range of learning opportunities. Details about benefits are available in US Benefits at a Glance 2025.

AXA XL, the P&C and specialty risk division of AXA, solves complex risks for mid-sized companies, multinationals and individuals. We combine a capital platform, data-driven insights, leading technology, and top talent to deliver client service across property, casualty, professional, financial lines and specialty.

Learn more at axaxl.com