Director, Underwriting Appetite & Standards
$140,000–$210,000 year
On-site · Roseville, California, United States
Job Summary
Director, Underwriting Appetite & Standards leads the underwriting appetite and standards function, overseeing development and refinement of underwriting guidelines across Small Business, Middle Market, and Large Commercial portfolios. Responsibilities include handling referrals across lines of business for complex and high-severity risks, providing enterprise underwriting QA through file reviews and targeted initiatives, aggregating QA findings to identify trends and training needs, partnering with Underwriting Training for technical topics, supporting governance of referral and LOA structures, and driving strategic initiatives such as new products and process optimization. The role requires strong attention to detail, judgment, and ability to manage competing priorities, with extensive underwriting experience and CPCU preferred. Location is Roseville, CA; expected salary $140,000–$210,000; internal candidate considerations apply; WCF Insurance is an equal opportunity employer.
Required Qualifications
- Bachelor's degree in finance, economics, risk management, or related field; master's degree preferred
- CPCU strongly preferred
- Minimum of 8–10 years of progressive underwriting experience across Workers' Compensation, Commercial Auto, General Liability, Commercial Property, and Umbrella
- Deep, advanced technical knowledge of risk assessment, coverage, pricing methodology, and regulatory requirements across all lines of business
- Demonstrated experience handling large, complex, and non-standard risks
- Demonstrated experience defining, interpreting, or governing underwriting appetite, eligibility, and underwriting standards
- Solid understanding of underwriting governance concepts, including guidelines, authority structures, referrals, and underwriting controls
- Strong consultative, analytical, and decision-making skills
- Experience partnering with Product, Actuarial/Pricing, Claims, Safety/Loss Control, Compliance, and Sales to support profitable growth and risk discipline
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