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Reinsurance Underwriter Consultant

COUNTRY Financial · IL · Remote available · $113,200–$155,650 a year · Full time

Posted Jun 18, 2026 · We last checked this listing on Oct 6, 2026

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Likely interview questions for this role

Written from this job description, not a generic list. Each one notes what the interviewer is really checking.

About your past

Tell me about a deal you declined or walked away from. What was your reasoning?

What they are checking: Whether they have the discipline to say no when terms do not fit the strategy.

How have you used data or new methods to get better insight from a reinsurance portfolio?

What they are checking: Whether they can innovate in analysis, which the posting calls out directly.

What would you do

A broker pushes hard for better terms on a renewal with a cedent who had a bad loss year. How do you respond?

What they are checking: Whether they keep underwriting discipline while preserving a valuable broker relationship.

How would you explain to a senior leader why a treaty's price went up when the cedent's own losses were flat?

What they are checking: Whether they can explain market, model and exposure changes in plain business terms.

About the work

Walk me through how you evaluate a cedent's submission for a property catastrophe treaty.

What they are checking: Whether they review exposure data quality, model results, loss history and the cedent's management before pricing.

How do you decide whether to trust a cedent's catastrophe model output?

What they are checking: Whether they check data completeness, secondary modifiers and non-modeled perils rather than taking model output at face value.

What is the difference between experience rating and exposure rating, and when would you lean on each?

What they are checking: Whether they understand both pricing approaches and how to blend them when history is thin.

How do you think about accumulation when two treaties cover the same region?

What they are checking: Whether they consider portfolio concentration, not just each deal on its own.

When would you recommend facultative reinsurance instead of treaty?

What they are checking: Whether they understand the uses of each structure for individual large risks versus whole books.

How does the reinsurance market cycle affect how you price and select business?

What they are checking: Whether they understand hard and soft markets and manage the portfolio through them.

Practice this interview out loud.

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The full job description

As published by COUNTRY Financial.

Experience more with a career at COUNTRY Financial! We’re excited you’re interested in a career at COUNTRY as we strive toward our vision - to enrich lives in the communities we serve. Our footprint spans coast to coast. But more important than where we operate, is the people who do the work. Apply today to help our organization grow and make a difference for our clients. About the role Evaluates, prices, and selects profitable reinsurance business that aligns with COUNTRY’s overall reinsurance strategy. Assesses cedent quality and exposure accumulations, while maintaining disciplined underwriting standards. Develops innovative methods to gain actionable insights from reinsurance portfolios, enabling better risk management decisions. How does this role make an impact? • Evaluates cedent submissions, exposure data, modeling results, and historical losses to assess risk quality and determine appropriate terms, conditions, and coverage structures. • Develops, sustains, and enhances relationships with brokers and clients, gaining a thorough understanding of client portfolios, and advising on risk acceptability and treaty terms. • Develops technical pricing using actuarial methods and catastrophe models; assesses accumulation impacts; and contributes to portfolio balance, profitability targets, and cycle management strategies. • Structures treaty and/or facultative reinsurance solutions and leads negotiations with brokers and cedents to achieve mutually beneficial terms while adhering to underwriting guidelines. • Conducts qualitative and quantitative reviews of cedent underwriting practices, financial strength, and data quality; ensures files meet documentation, regulatory, and internal governance standards. • Partners cross‑functionally with various internal stakeholders to validate assumptions, refine pricing, clarify contract wording, and support deal execution. • Monitors market trends, coverage developments, and underwriting results to inform pricing, guidelines, and portfolio strategy; contributes to process improvements and tool enhancements. • Maintains accurate pipeline, referral, and bound records; produces underwriting summaries and performance reports; and supports internal audits, regulatory requests, and compliance reviews. Do you have what we're looking for? • Typically requires 7+ years of relevant experience or a combination of related experience, education and training. • Continuing education in insurance certification programs (CPCU, ARe) preferred. • Up to 20% travel required in this position. This position is part of a job family. Placement will be based on skills and experience. #LI-Corp #LI-Remote Base Pay Range: $113,200-$155,650 The base pay range represents the typical range of potential salary offers for candidates hired. Factors used to determine your actual salary include your specific skills, qualifications and experience. Incentive Pay: In addition to base salary, this position is eligible for a Short-Term Incentive plan. Why work with us? Our employees and representatives serve nearly one million households with our diverse range of personal and business insurance products as well as retirement and investment services. We build relationships and work together to create a stronger, more secure future for our clients and our communities. We’re a big company, yet small enough you can make an impact and won’t get lost in the shuffle. You’ll have the opportunity to learn and grow throughout your career, either within this role or by exploring other areas of our business. You’ll be able to take advantage of our benefits package, which includes insurance benefits (medical, dental, vision, disability, and life), 401(k) with company match. COUNTRY Financial is committed to providing equal opportunity in all areas of employment, and in providing employees with a work environment free of discrimination and harassment. Employment decisions are made without regard to race, color, religion, age, gender, sexual orientation, veteran status, national origin, disability, or any other status protected by applicable laws or regulations. Come join our team at COUNTRY today!

Apply at COUNTRY Financial