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. Our Technology department is seeking an Underwriting Specialist to join the team. This is a Full-time, Exempt role. POSITION OVERVIEW: Responsible for identifying, soliciting, underwriting and selling new and renewal Technology accounts that drive profitable growth and align with Technology’s appetite and mix goals. Apply technical, sales and analytical skills to provide insurance solutions that help Hanover’s customers manage risk. Demonstrates a thorough understanding of Hanover’s strategies and appetites and will use internal and external data to make appropriate individual and portfolio risk decisions. Serves as a resource and advisor to core underwriters, helping them understand technology risk appetite and assess liability, professional, and cyber exposures. Operates with limited daily supervision, seeks technical direction for matters outside one’s authority and general expertise. Operates within a standard letter of authority for all underwriting decisions while managing a book of business, generally with moderate technical complexity and coordination. IN THIS ROLE YOU WILL: - Apply underwriting concepts including risk selection, hazard identification, coverage implications, and loss analysis. - Utilize underwriting tools and adhere to guidelines to ensure compliance and profitability. - Understand pricing components and rating methodology; correlate pricing to exposure, financial analysis, and competitive positioning. - Ask critical questions to uncover full scope of operations and exposures when presented with limited information. - Complete file documentation per best practices and regulatory requirements; clearly articulate account decisions. - Follow CAT guidelines and maintain underwriting discipline to minimize exposure and appropriately price risks. - Provide accurate rating instructions for quotes prior to proposal generation. - Able to underwrite and price Technology specialty coverages such as products, professional, and cyber liability with some guidance on more complex exposures. - Manage assigned portfolio to achieve goals for premium, profitability, retention, industry mix, and new business. - Analyze financial reports and insurance performance metrics (e.g., OBIEE) to inform risk management decisions. - Understand market factors impacting pricing, including distribution channels, competition, growth strategies, regulation, and reinsurance costs. - Prepare and review adverse underwriting decisions, rate appeals, and declinations to drive results within territory. - Identify, solicit, pipeline, negotiate, and close accounts aligned with Technology and branch strategies. - Profile agency partners and strategically market capabilities to agents. - Maintain current knowledge of state/territory regulations and trends; leverage market intelligence to strengthen agent relationships. - Build trust and secure commitments through effective relationship management and negotiation. - Operate with a franchise perspective to identify cross-sell opportunities and partner with other business units for comprehensive solutions. - Demonstrate deep knowledge of Hanover’s products and appetite; communicate effectively at point of sale. - Execute rigorous sales practices using Salesforce and other tools; adhere to sales best practices. - Deliver impactful sales presentations to agents and customers; leverage Industry Solutions partners for enhanced knowledge transfer. - Collaborate with Claims, Risk Solutions, and Operations to showcase service and technical expertise. - Develop and implement Territory Business Plans for agency partners. WHAT YOU NEED TO APPLY: - Bachelor’s degree or equivalent experience. - 3–7+ years in standard commercial lines underwriting; experience with accounts $100K+ preferred. - Technical Skills: Strong knowledge of underwriting principles, pricing methodology, and risk assessment. - Communication: Exceptional verbal, written, and presentation skills; ability to consult effectively with internal and external stakeholders. - Negotiation & Judgment: Skilled in exercising sound judgment, negotiating effectively, and making informed business decisions. - Adaptability: Ability to learn quickly, adapt to change, and manage multiple priorities in a fast-paced environment. - Collaboration: Strong team orientation; fosters inclusion and respect for diverse perspectives. - Organizational Skills: Proficient in prioritization, desk management, and meeting deadlines. - Proficiency in underwriting systems/tools. PHYSICAL DEMANDS AND WORK ENVIRONMENT: - Ability to travel frequently (>25%), including day and overnight trips, to support agency and regional initiatives. - Standard office environment with extended periods of computer and phone use. 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.

• Reviews insurance applications and documentation to determine if the applicant is an acceptable risk • Recommends appropriate pricing and coverage modifications or enhancements for risks • Prepares written communications on adverse underwriting decisions • Verbally notifies agents of decisions • Uses available underwriting systems and modeling tools • Prepares quotes and answers questions from agencies and internal or external customers • Negotiates with agents to reach positive and profitable outcomes • Makes field visits to Agent and Broker offices • Interacts with Claim personnel on issues relating to specific claims

Title: Manager, Life Underwriting Location: Bangalore, India Job Description: About Ethos Ethos is a leading life insurance technology company on a mission to protect families by democratizing access to life insurance and empowering agents at scale. With its robust three-sided technology platform, Ethos is transforming the life insurance experience for consumers, agents, and carriers alike. Ethos offers instant, accessible products and a seamless online process that requires no medical exams and just a few health questions; it eliminates traditional barriers, making it easier than ever for everyone to protect their families. Ethos is redefining how life insurance is bought, sold, and underwritten. About the role Are you a life insurance underwriting manager with 6+ years of experience, who is passionate about the profession of underwriting? Are you interested in getting in on the ground floor of a growing team at an insurtech startup? Would you enjoy working in a collaborative environment where your opinion matters? Duties and Responsibilities: - 50% of this role will be dedicated to case underwriting - Ability to lead the team with passion, positivity and continual improvement - Work closely with Chief Underwriter, Head of Underwriting Development and Director of Underwriting Operations to recruit, hire, mentor, and develop underwriting staff both domestically and internationally - Assess quality and headcount - Perform hiring analysis to flex with our growth - Create and improve onboarding and underwriting training programs - Develop performance management and quality control system to provide feedback, guidance and reviews to underwriting team members - Assist underwriting staff to develop their technical and decision making skills, while ensuring adherence to our core values - Drive strategic efforts to optimize underwriting workflows, including work to implement rules within an underwriting engine, recommending solutions and best practices as appropriate - As needed, work with Underwriting Strategies to perform quality assurance testing of automated rules and processes Qualifications and Skills: - 6+ years in Life new business underwriting - 4+ years of experience in an underwriting leadership or development role - Extensive knowledge of life insurance trends and new technology - Sharp focus on execution and an owner mentality with a track record of delivering success in a timely manner - Data oriented decision making skills and great intuition - Outstanding written and verbal communication skills #LI-Hybrid #LI-ND1 Don’t meet every single requirement? If you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. At Ethos we are dedicated to building a diverse, inclusive and authentic workplace. We are an equal opportunity employer.. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records. We will never ask for payment, banking details, or sensitive personal information during the hiring process. If you are contacted by someone claiming to represent us from a different email address, please treat it as fraudulent.

• Underwrite loan application independently: Analyze quantitative and qualitative data across ecommerce, SaaS, and SMB borrowers. Structure, price, and propose loan terms that balance repayment capacity and Mercury’s risk posture. • Own the customer-facing deal motion: Lead diligence calls with prospective borrowers, co-pilot active negotiations with AEs, provide real-time eligibility and structuring guidance, and support the sales team on complex or competitive applications from first touch through close. • Monitor portfolio health: Support ongoing covenant monitoring, delinquency tracking, and portfolio review processes. Contribute to monthly portfolio reviews with early warning signal identification. • Contribute to credit standards: Support drafting and refinement of underwriting guidelines, risk rating frameworks, and policy documentation. • Work cross-functionally: Partner with Sales, Product, Engineering, and Data Science to improve the underwriting process, customer experience, and credit infrastructure.