• Design and implement AI/ML models to support risk assessment and selection, improving accuracy in evaluating applicant profiles, exposures, and potential losses. • Translate underwriting guidelines and business rules into data models and algorithms that automate and augment decision-making. • Develop and refine policy pricing and rating models using statistical and machine learning techniques, ensuring alignment with market competitiveness and profitability goals. • Analyze historical data and external datasets to identify risk patterns, trends, and anomalies that inform underwriting strategies. • Support appetite evaluation and guideline application by building intelligent systems that dynamically match risks to underwriting appetite and highlight exceptions. • Collaborate with cross-functional stakeholders to integrate AI models into underwriting platforms and workflows. • Continuously monitor model performance, validate outputs, and recalibrate algorithms to ensure compliance, fairness, and accuracy. • Contribute to the development of underwriting dashboards, reporting tools, and decision-support systems. • Stay updated on regulatory requirements and ensure all AI-driven underwriting practices adhere to compliance standards.

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! At Nationwide®, “on your side” goes beyond just words. Our customers and partners are at the center of everything we do and we’re looking for associates who are passionate about delivering extraordinary care. This posting is for multiple Senior Associate Underwriter openings within our Middle Market National Underwriting Center, and they can be filled in a remote/work-from-home (WFH) capacity or in one of our offices. Prior experience with Property & Casualty underwriting and/or directly supporting Commercial Middle Market accounts is especially ideal, as are targeted education and/or insurance designations such the AU and CPCU. #LI-MS1 #LI-REMOTE Job Description Summary Success on our team requires a blend of customer service skill and analytical prowess. There’s no shying away from challenges here. Each account we work on is complex and interesting. Satisfaction comes from finding solutions that provide the best coverage and give our partner agents a way to differentiate themselves from the competition. If you are adaptable, responsive, love customers and really want to make a difference, we want to hear from you! As a Senior Associate Underwriter, you’ll partner with Middle Market Territory Managers by servicing accounts for their assigned books of business. Servicing includes new business, renewals, and amendments with expanded authority. In addition, you will be responsible for a specific portion of the Territory Manager's book of business. We’ll count on you to apply fundamental underwriting concepts including risk selection and analysis, exposure and hazard identification and control, coverage implications, pricing documentation, and loss analysis trend identification as appropriate. You will also work in conjunction with Middle Market Territory Managers to strengthen agency relationships by providing prompt and expert service to partner agents working the most complex Middle Market accounts. We’ll count on you to own problems or issues as they arise and route calls and higher-level issues to appropriate individuals. Job Description Key Responsibilities: - Services the most complex multi-state, multi-line accounts through the lifecycle to promote profit, new business growth and renewal retention. - Responds to requests, consults, and collaborates with external and internal partners to resolve business issues and projects of moderate complexity requiring more discernment or robust solutions within established time and service standards to facilitate and expedite service needs. - Rates, quotes, and issues polices as well as handling related account activity. - Assesses price renewals, new business, and amendments according to guidelines outlined within authority levels; appropriately refer accounts exceeding authority level. - Updates account information and exposure changes in a timely manner to enable the underwriter adequate time to prepare and promptly deliver conditional and non-renewal notices to the appropriate parties. - Gathers, organizes, and enters information into policy systems including exposure changes or coordinates with processing. Provides rating instructions to processing and manages quoting and issuance cycle. - Captures information from multiple sources according to company guidelines to perform underwriting analysis. May require gathering verbal information or data through reports or other electronic means. - Independently reviews individual risks for acceptability and exercises judgement and discretion within appetite and based on granted authority level, company underwriting guidelines and industry standards. - Ensures file handling quality and workflow efficiency for a best-in-class customer experience. - Internal point of contact for the underwriting and processing team. Follow up with agents for all required information, and request any additional information such as forms, supplemental applications, loss runs, exposures, etc. - May provide informal coaching to Associate Underwriters. May perform other responsibilities as assigned. Reporting Relationships: Reports to Commercial Underwriting Supervisor. No direct reports. Typical Skills and Experiences: Education: Bachelor's degree or equivalent work experience preferred. License/Certification/Designation: Completion of INS, AU, or similar designations with progress toward CIC and/or CPCU is preferred. Experience: Typically, four years of commercial underwriting, service center, processing or related business experience preferred. Experience leading or working on complex projects and teams preferred. Knowledge, Abilities and Skills: General Understanding of rating systems, Underwriting Strategy, and reporting analysis. Understands business strategy, state and territory issues, regulations, and trends. Ability to leverage standardized workflows and state compliance guidelines. Able to analyze, synthesize and identify current or future problems and compare information to understand issues. Ability to identify cause and effect relationships and explore alternative solutions to support sound decision making. Verbal and written communication skills necessary to provide excellent service to internal and external partners. Effective organization and time management skills. Other criteria, including leadership skills, competencies and experiences may take precedence. Staffing exceptions to the above must be approved by the hiring manager’s leader and HR Business Partner. Values: Regularly and consistently demonstrates Nationwide Values. Job Conditions: Overtime Eligibility: Eligible (Non Exempt) Working Conditions: Normal office environment. ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties. We currently anticipate accepting applications until 04/30/2026. However, we encourage early submissions, as the posting may close sooner if a strong candidate slate is identified before the deadline. Benefits We have an array of benefits to fit your needs, including: medical/dental/vision, 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. To learn more about the benefits we offer, click here. Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law. This position could be filled within any of the lower 48 U.S. states. Smoke-Free Iowa Statement: Nationwide Mutual Insurance Company, its affiliates and subsidiaries comply with the Iowa Smokefree Air Act. Smoking is prohibited in all enclosed areas on or around company premises as well as company issued vehicles. The company offers designated smoking areas in which smoking is permitted at each individual location. The Act prohibits retaliation for reporting complaints or violations. For more information on the Iowa Smokefree Air Act, individuals may contact the Smokefree Air Act Helpline at 888-944-2247. For NY residents please review the following state law information: Notice of Employee Rights, Protections, and Obligations LS740 (ny.gov) https://dol.ny.gov/system/files/documents/2022/02/ls740_1.pdf NOTE TO EMPLOYMENT AGENCIES: We value the partnerships we have built with our preferred vendors. Nationwide does not accept unsolicited resumes from employment agencies. All resumes submitted by employment agencies directly to any Nationwide employee or hiring manager in any form without a signed Nationwide Client Services Agreement on file and search engagement for that position will be deemed unsolicited in nature. No fee will be paid in the event the candidate is subsequently hired as a result of the referral or through other means. Nationwide pays on a geographic-specific salary structure and placement within the actual starting salary range for this position will be determined by a number of factors including the skills, education, training, credentials and experience of the candidate; the scope, complexity and location of the role as well as the cost of labor in the market; and other conditions of employment. If a Sales job, Sales Incentives, based on performance goals are possible in addition to this range. Note on Compensation for Part-Time Roles: Please be aware that the salary ranges listed below reflect full-time compensation. Actual compensation may be prorated based on the number of hours worked relative to a full-time schedule. The national salary range for Senior Associate Underwriter - Commercial Lines : $49,100.00-$91,300.00 The expected starting salary range for Senior Associate Underwriter - Commercial Lines : $49,100.00 - $73,700.00

• Independently underwrites complex and high-severity professional liability risks within granted authority and established guidelines. • Evaluates risk characteristics, coverage structures, pricing, and terms to support profitable and sustainable growth. • Provides technical input into underwriting guidelines, policy forms, endorsements, and rating tools. • Reviews non-standard or escalated submissions and provides expert recommendations. • Participates in claim reviews and applies claim learnings to underwriting decision-making. • Maintains accountability for the performance of the assigned book of business. • Reviews portfolio, rate, retention, and loss trends; identifies emerging risks or opportunities. • Recommends underwriting actions or adjustments to appetite, terms, or pricing based on market and portfolio insight. • Partners with underwriting leadership to support financial targets and portfolio objectives. • Develops and manages strong working relationships with key brokers, producers, and customers. • Serves as a senior technical and market-facing representative of TDCSU. • Supports new business development efforts through technical credibility, responsiveness, and consultative engagement. • Participates in broker meetings, presentations, and market visits as needed. • Contributes underwriting expertise to product development, segment strategy, and planning efforts. • Provides informed insight to underwriting leadership regarding market conditions, competition, and emerging trends. • Collaborates cross-functionally with claims, operations, actuarial, and distribution partners to support underwriting outcomes. • Promotes strong underwriting discipline and consistency across the organization. • Demonstrates and promotes TDC values and professional standards. • Serves as an informal mentor and technical resource to peers and junior underwriters. • Shares best practices, underwriting judgment, and market insights to elevate overall underwriting capability. • Fosters a collaborative, high-performance underwriting culture.

• Develop programs, procedures, and controls to support underwriting objectives. • Analyze underwriting metrics and identify trends using statistical tools. • Create reports and data visualizations to communicate performance insights to senior leadership. • Recommend adjustments to improve profitability and support product development. • Fulfill ad hoc reporting requests and validate standardized reports. • Assist in the development and enhancement of P&C products. • Collaborate cross-functionally with departments for research and implementation. • Evaluate market opportunities and analyze the financial potential of new products. • Contribute to the development of policy language, pricing, and quality standards. • Manage internal and external resources for product implementation. • Analyze product testing results to ensure profitability. • Stay informed on industry trends through continuous learning and networking. • Support geographic-level reporting and analysis.