Lighthouse Risk · 2 days ago
Director of Underwriting, Insurance
Dallas, TX
Full-time
Onsite
Mid, Senior Level
5+ years expLighthouse Risk is seeking a Director of Underwriting to lead the strategic and operational underwriting function for its commercial property portfolio. This role involves shaping underwriting strategy, managing portfolio performance, and mentoring a team of underwriters while ensuring technical excellence and compliance.
Insurance
Responsibilities
Develop and execute the underwriting strategy for Lighthouse Risk’s middle-market property portfolio, ensuring alignment with overall MGA goals
Lead, coach, and mentor a team of underwriters, promoting technical excellence, accountability, and collaboration
Partner with executive leadership to refine underwriting appetite, guidelines, and capacity utilization strategies
Drive continuous improvement in underwriting processes, analytics, and workflow efficiency
Oversee underwriting activities across habitational, hospitality, retail, and mixed-use property classes
Evaluate and approve risks within delegated authority; refer complex or high-limit accounts to CUO or capacity partners as required
Ensure underwriting compliance with Lighthouse Risk guidelines, reinsurance treaties, and carrier requirements
Maintain underwriting discipline through rigorous review of submissions, inspections, valuations, and coverage terms
Monitor portfolio performance metrics including rate adequacy, hit ratio, loss ratio, and exposure concentration
Utilize catastrophe models (AIR, RMS) and internal tools to assess and manage aggregate risk and accumulation
Collaborate with actuarial and data teams to develop and refine pricing models, rating tools, and risk scoring methodologies
Identify emerging trends in property exposures and propose data-driven underwriting adjustments
Build and maintain relationships with retail and wholesale distribution partners across the U.S
Represent Lighthouse Risk in market meetings, conferences, and industry associations
Partner with distribution leadership to develop broker segmentation strategies and optimize submission flow
Qualification
Required
Bachelor's degree in Risk Management, Finance, or related field (CPCU, ARM, or equivalent designations preferred)
Experience developing underwriting guidelines, pricing models, or MGA program frameworks
Exposure to rating tools, API-based submissions, or digital underwriting environments
Minimum +5 years of commercial property underwriting experience, including at least 3 years in the E&S market
Demonstrated success managing underwriting teams or portfolios within a property MGA, carrier, or Lloyd's platform
Strong technical knowledge of property construction, protection, occupancy, and exposure (COPE) analysis
Experience with habitational, hospitality, and retail property classes
Proficiency in CAT modeling tools (AIR, RMS, or equivalent) and exposure management platforms
Strong analytical and decision-making skills with a disciplined, profitability-driven mindset
Excellent communication, negotiation, and leadership abilities
Company
Lighthouse Risk
Backed by leading capacity partners and powered by Franklin Street’s integrated real estate platform, Lighthouse combines proprietary data, advanced analytics, and underwriting expertise to deliver stable, profitable results across multifamily, retail, lessors’ risk, and hospitality classes.
2-10 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase