For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, Sustainability initiatives and inclusive corporate culture. Hanover’s Retail Excess & Surplus (E&S) division is seeking an Underwriting Specialist, Specialty. The successful candidate will be production-oriented, collaborative, and skilled in cultivating and maintaining effective agency partnerships. At The Hanover, we recognize that the way we work continues to evolve. We are reimagining the workplace by offering flexible work arrangements. This role may be hybrid or fully remote and can be based anywhere in the United States, with the ability to travel as needed for meetings and client engagements. The Hanover is a diverse and inclusive organization committed to attracting, developing, and retaining top talent. We encourage all qualified professionals to apply and believe that a diverse, equitable, and inclusive workplace strengthens our organization and the communities we serve. The actual job title and level may be flexible dependent on candidate qualifications and experience (Senior Underwriting Specialist). POSITION OVERVIEW: Hanover Retail E&S is seeking to add an Excess and Surplus Lines (E&S) Underwriting Specialist, Specialty to its growing Team. Hanover Retail E&S transacts business with appointed retail trading partners, and the position will be responsible for reviewing new and renewal mono-line commercial general liability and supported excess liability risks, monoline property and package lines of excess & surplus business to determine acceptability for quoting and binding business within the underwriting authority granted by the Company. This position is a market facing role with frequent interaction with appointed retail trading partners. This position requires strong communication, negotiation, relationship development, and analytical skills to transact business within the fast-paced E&S environment. We are seeking an experienced E&S professional with a high technical acumen; collaborative spirit, and a strong underwriting skill set; basic property underwriting experience would be a plus. This position works in a team environment and will collaborate to underwrite and service accounts for our appointed retail trading partners. Business development activities include close collaboration with other internal business units in developing agency relationships, strategies, account coordination, executing on sales and marketing activities that demonstrate and support a strong customer focus that ultimately reinforces Hanover Retail E&S appetite and strategy. THIS IS A FULL-TIME, EXEMPT ROLE. IN THIS ROLE YOU WILL: Technical Underwriting: - Knows and applies underwriting concepts including risk selection, exposure and hazard identification and control, coverage implications, and loss analysis. - Uses all appropriate underwriting tools, disciplines and strategies to ensure underwriting guidelines are followed. - Understands pricing components and rating methodology and correlates pricing to exposures. - When presented with minimal information on a risk, instinctively knows the key questions to ask to ascertain the full scope of operations and the key exposures and needed controls. - Completes file documentation according to best practices guidelines and can clearly explain account decisions. - Provides clear and concise rating instructions for quotes prior to generating proposal for presentation to the agent. Portfolio Management & Financial Acumen: - Manages assigned portfolio to achieve gross written premium, profitability, rate, retention, product mix, new business, and portfolio management goals, by use of proven pipeline and marketing practices. - Developing an understanding of various financial reporting information and insurance performance measures in the management of risk. - Demonstrates an understanding of the market factors that can affect pricing and how it correlates to individuals book, agency’s book, the region, and countrywide. - Prepares or analyzes information on underwriting decisions, rate, underwriting requirements, company appetite, status, and declinations to drive results within the assigned territory. - Familiarizes oneself with other Hanover departments for leveraging growth in areas of business where portfolio could be more balanced. Sales Management: - Can identify, solicit, pipeline, negotiate, and close accounts aligned with business strategy. Ability to profile assigned agency plant and to strategically market our capabilities to agents. - Keeps current on state/territory issues, regulations, and trends. - Utilizes market and competitor information to enhance relationships and individual account decision making. - Prioritizes and develops effective relationship management and producer activities to build trust, facilitate negotiation, and secure commitment in order to improve yield and retention ratios. - Operates with a franchise perspective to identify additional sell opportunities to create growth within other LOB’s and customer segments. - Partners with other business units to deliver comprehensive insurance solutions • Demonstrates in-depth knowledge of Hanover’s products and appetite while clearly communicating Hanover’s position at the point of sale. Builds and maintains rigorous sales practices using all systems, sales tools and disciplines outlined in the sales’ best practices. - Makes presentations to agents and customers. Utilize department and Specialty partners to augment sales process. Effectively utilize Claims and Loss Control to display service and/or technical expertise with present and future customers. WHAT YOU NEED TO APPLY: - Bachelor’s Degree or equivalent experience. - Generally, 4-7+ years Specialty or standard commercial lines experience. - 3-4+ years’ experience driving agency relationships resulting in profitable new and renewal business as well as complex accounts. - Demonstrates ability to adapt quickly to change, identify, analyze, and solve problems and willingness to being open to new and different ways of thinking. - Communication - ability to effectively interact and communicate with all levels of external and/or internal business partners within scope of responsibility, team, and/or matrix environment. Demonstrating ability to consult with internal and external parties on underwriting matters. - Judgment and Decision Making - Ability to exercise judgment, negotiate and make sound business decisions effectively based on level of authority. Demonstrates confidence in own abilities and is comfortable taking informed risk. - Agile and Adaptive - Strong ability to identify, analyze and solve problems as well as the ability to learn rapidly, adapt quickly to change, exercise influence, and manage and prioritize multiple concurrent projects. - Teamwork and Collaboration - Openly encourages other team members to share ideas and voice concerns. Shows respect for differences and diversity in ideas and views. Involves other team members to achieve optimal performance. - Prioritization and Desk Management - Understands and seeks ways to improve the quality and results of one’s work. Monitors progress against agreed upon timeline and deliverables. Raises awareness if achievement of committed work may be compromised and actively engages in mitigating the situation. CAREER DEVELOPMENT: It’s not just a job, it’s a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you – at every level – to grow and develop. BENEFITS: We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you’ll enjoy what you do and have the support you need to succeed. Benefits include: - Medical, dental, vision, life, and disability insurance - 401K with a company match - Tuition reimbursement - PTO - Company paid holidays - Flexible work arrangements - Cultural Awareness Day in support of IDE - On-site medical/wellness center (Worcester only) - Click here for the full list of Benefits EEO statement: The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law. Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law.” As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at:HRServices@hanover.com and include the link of the job posting in which you are interested. Privacy Policy: To view our privacy policy and online privacy statement, click here. Applicants who are California residents: To see the types of information we may collect from applicants and employees and how we use it, please click here. Compensation: The target hiring range for this role may vary based on geographic location and other factors, including merit or performance, demonstrated proficiency, skills for the role, education, travel requirements, and experience. Additional compensation may include an annual bonus (which could take the form of a general bonus, sales incentive, or short-term incentive), long-term incentive or spot recognition awards. The posted range reflects our ability to hire at different position titles and levels depending on background and experience.

• Assist in renewal strategies and reporting support for Medical Dental and Vision Insurance • Serve as a subject matter expert and provide direction to underwriting staff, sales teams, and other departments • Drive achievement of business goals through articulation and application of sophisticated underwriting policies • Architect and lead high-impact, cross-functional strategic projects • Proactively identify, analyze, and mitigate complex risks • Collaborate with other constituents on product and pricing strategies • Innovate and champion next-generation underwriting methodologies and processes

Role Description As a Non-QM Underwriter, you will be responsible for evaluating and underwriting complex non-qualified mortgage (Non-QM) loan applications. This position requires expertise in various non-QM loan products, including but not limited to: - Bank Statement - DSCR (Debt Service Coverage Ratio) - Asset Depletion loans Your role will ensure compliance with all underwriting guidelines and regulatory requirements while maintaining a high level of service and accuracy. Qualifications - Minimum of 3+ years of experience in underwriting Non-QM loans. - Strong knowledge and experience with Bank Statement, DSCR, and Asset Depletion products. - Experience Underwriting Non-QM roles within the last 6 months. - Deep understanding of underwriting guidelines, regulations, and compliance standards related to Non-QM loans. - Proven ability to handle a high volume of loan files while maintaining accuracy and attention to detail. - Excellent communication skills, both written and verbal. - Ability to work independently and as part of a collaborative team. - Strong organizational and problem-solving skills. Requirements - Underwrite and approve or deny loan applications based on the company’s guidelines, policies, and regulatory requirements. - Review and analyze loan files, including income documentation, credit reports, and asset verification for Bank Statement, DSCR, and Asset Depletion loans. - Communicate with loan officers, processors, and other stakeholders to obtain necessary documentation and resolve any issues. - Ensure loan files are complete, accurate, and compliant before final approval or denial. - Stay current with industry regulations, guidelines, and best practices regarding Non-QM loan products. - Provide guidance and support to junior underwriters and other team members as needed. - Maintain a high level of productivity and quality assurance while meeting deadlines. Benefits - Salary: 90-100k

Encova Insurance has an opening for an Assistant Vice President, Underwriting Operations, Workers' Compensation. This role will have the option to work home-based but you must reside within one of our payroll approved states. These states can be viewed on our careers page. Are you a Referral? If you know a current Encova Insurance associate and would like to apply as a referral, please encourage them to submit your referral information before you submit your application. You will receive an email with a direct URL link to the Job Posting of interest. Applying through this URL link will create your referral relationship for our Talent Acquisition Team. Unique residence requirements are listed in each job posting, please review closely for details. Encova is only able to employ associates who reside and work within specific U.S. states. Our current policies are based on the laws in states in which we are registered for payroll. Our current footprint includes: Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin. JOB OBJECTIVE: The Assistant Vice President, Underwriting Operations leads technical underwriting disciplines for Commercial Lines. This position manages the Commercial Lines Segment Managers and other underwriting support. This role coaches, trains and mentors internal and external stakeholders on underwriting and related product guidelines, standards and other technical underwriting disciplines. The role leads the development and utilization of quantitative and qualitative business indicators and makes technical decisions and recommendations in accordance with delegated authority and strategic direction. This position analyzes book of business performance and trends and recommends adjustments and responses; reviews changes and compliance requirements and ensures conformance. ESSENTIAL FUNCTIONS: • Lead and manage direct reports in development and implementation of technical underwriting and product subject matter expertise to underwriting teams and other disciplines to support business plan objectives. This includes but is not limited to policies, strategy and tactics, product development, business services, filings, processes and workflows (including automation and business rules), regulatory compliance and market conduct matters. • Lead and manage direct reports in performance of regular quality control and participate in quality audits. • Lead collaboration with senior management on larger, more complex accounts requiring special expertise. • Lead enterprise development projects – including business requirements and timelines – that impact coverage, pricing, rating, systems logic, automation, and best practices. • Lead the development of pricing strategies from the individual risk to portfolio levels using models and methodologies to support a profitable and competitive pricing approach to the market. • Develop and manage direct reports to implement strategic and tactical product and service development initiatives using trend monitoring, feedback from stakeholders and marketplace competitor review. • Lead and manage direct reports and enterprise resources in training internal and external stakeholders on products and services and their associated processes, based on a solid understanding of and impact to field constituents such as agents, underwriting, customer service, marketing and policyholders. Lead development of appropriate supporting materials. • Lead enterprise gathering and analysis of competitor product, service and pricing intelligence (external) and product and service trends/results (internal) and recommend new and revised products, processes and systems. • Create innovative solutions as a result of competitor and internal trend analysis and work with other disciplines to gather input regarding product and service changes and ideas. • Lead and manage direct reports in the development of internal guidelines, policies and procedures that address business needs and support business objectives. • Lead enterprise investigation of compliance and regulatory issues and recommend appropriate business solutions. • Lead the development, use and maintenance of Guaranteed Cost and Loss Sensitive WC Product and related guidelines, monitors and controls. OTHER FUNCTIONS: • Non-essential function: other duties as assigned. KNOWLEDGE, SKILLS AND ABILITIES: • A Bachelor’s degree from an accredited four-year college or university required. Commensurate experience may be considered. • Master’s degree in management preferred. • A minimum of 10 years of experience with a property/casualty insurance carrier handling commercial lines products such as package lines and/or workers’ compensation products is required. • Three plus years management experience preferred. • Experience with project management preferred. • Professional insurance designations relevant to area of expertise desired. • Core proficiency in leading an underwriting, product development, or operations team tasked with responsibility for developing and managing a profitable book of business on a regional or national scale. • Ability to lead, manage and collaborate effectively. • Ability to apply leadership skills, technical expertise and sound logic to identify and analyze problems and implement effective underwriting and product solutions. • Knowledge of policy and procedures regarding underwriting administration, risk administration and classification, insurance and risk management, accounting or business administration, premium audit or underwriting and loss control. • Superior understanding of the form and content of package lines and/or workers compensation insurance policies. • Demonstrate a solid understanding of compliance issues and regulatory environment in project development and implementation. • Knowledge of cost rating plans and related pricing methods and procedures, and ability to use this information to determine and calculate business exposures, classifications, experience or other rating plan modifications. Understand credit risks in order to determine the appropriate guaranteed cost coverage for each business. • Ability to analyze and evaluate specific complaints and inquiries regarding insurance contracts, coverage, and rating plans. • Ability to read and interpret financial statements. • Excellent interpersonal skills. • Exceptional oral and written communication skills. • Excellent analytical, research, and documentation skills. • Demonstrate sound judgment and work independently or with minimal direction. • Knowledge of design, implementation and interfaces of current systems and applications. • Proficient in Excel. This position has been evaluated in accordance with the Americans with Disabilities Act. Encova Insurance makes every effort to reasonably accommodate disabilities to permit performance of the essential functions and candidates who need such accommodation are encouraged to seek it. This description reflects the nature and level of work performed by associates in this position. It is not an all-inclusive inventory of duties, responsibilities and qualifications required. It provides an accurate overview of the work and skills needed to perform this position. Because job content may change from time to time, Encova Insurance reserves the right to add and/or delete functions from this job as it deems necessary for business reasons. Ready to join our team? At Encova Insurance, we firmly believe that our associates drive our company's success by delivering unrivaled service to our customers. With success in mind, we make an ongoing effort to provide an environment that offers challenging, stimulating, and financially rewarding opportunities. Join us to discover a work experience where you can learn and grow to your fullest potential. What you can expect from us In addition to a competitive compensation package, we offer a comprehensive benefits package designed to support the well-being and growth of our associates. Available benefits (subject to any policy or plan changes) include, but are not limited to: - Health, Dental & Vision Insurance - Company-provided life and income protection plans - Eligibility to participate in a company incentive bonus program - 401(k) Retirement Plan - 100% company match up to 7% on annual salary - Paid Time Off, Paid Holidays, and Floating Holidays - Flexible Work Arrangements - Hybrid and remote depending on the role We believe that happy, healthy associates are the foundation of great work. Join us and thrive both professionally and personally. Encova Insurance is an EOE/E-Verify employer. #LI-Remote#LI-LP1