Senior Personal Lines Underwriter

Join to apply for the Senior Personal Lines Underwriter role at Heartland Mutual Insurance. At Heartland Mutual Insurance, we’re more than just a company — we’re a community. Proudly rooted in Ontario and Nova Scotia, we’re driven by a bold vision: to be the Best Mutual. Our team of passionate professionals doesn’t just follow the norm — we challenge it. We think differently, aim high, and deliver on our promise with a personal touch. Here, you’ll be part of a culture that values authenticity, embraces change, and empowers you to make a meaningful impact every day. Together, we bring our purpose to life by living our values and putting people first. Senior Personal Lines Underwriter - Waterloo, Ontario This role takes ownership of the investigative, analytical, and mathematical evaluation of insurance risks. By assessing customer information and applying sound analytical judgment, the Underwriter determines whether a risk profile is acceptable for the organization. This role is critical in ensuring that coverage decisions align with Heartland’s risk appetite and strategic goals, supporting sustainable growth and customer satisfaction. What You’ll Do Underwrite and negotiate high risk/complexity renewals, policy endorsements and new business. Identify positive and negative trends in submissions being received and communicate findings to management. Negotiate the terms and conditions of risk acceptance with brokers in writing, by telephone, electronic mail or in person. Order inspections, or other underwriting information for use in the analysis of critical risk hazards and decision making. Use underwriting knowledge to make recommendations for rate structure/pricing changes and underwriting or claims improvement. Develop and maintain strong stakeholder relationships through personal accountability and high-quality decision making. Build your professional networks – both at Heartland and industry events. Ensure corporate governance and regulatory compliance policies and procedures. Participate in, or provide training and development initiatives. Use full knowledge of policy wordings to assist other staff and distributors with risk analysis, recommendation of missing coverage, and generation of additional product line sales. Provide guidance and training to other staff where underwriting authorities require referral to higher levels to ensure compliance and minimize company exposure. What You’ll Bring Have more than 6 years of experience in the insurance industry. Post‑secondary education, CIP designation. You have exemplary analytical skills and can make informed decisions. You are a skilled communicator who can adapt your approach to your audience. You can influence decisions and negotiate strategically. You are an enthusiastic learner who thrives within a team or independently. Effective communication and interpersonal skills, both written and verbal. You have proven decision-making and analytical skills, including the ability to determine how to grow business profitability through assessment and analysis of individual risks. What’s In It For You Join a supportive team: be part of a collaborative and high‑performing team that values knowledge sharing and celebrating wins together. Comprehensive total rewards: enjoy a competitive compensation package, including health and wellness benefits, pension plan, paid time off, and more. Career growth & development: take advantage of continuous learning opportunities and stretch assignments. Make an impact: play a key role in helping customers navigate challenging situations with empathy and expertise. Inclusive culture: work in an environment that embraces diversity, equity, inclusion and belonging. At Heartland Mutual Insurance, you’re empowered to thrive. Whether it’s your career, your well-being, or your future, we’ve got you covered. Seniority Level Mid‑Senior level Employment Type Full‑time Job Function Finance and Sales Industries Insurance #J-18808-Ljbffr