At Dow, we believe in putting people first and we’re passionate about delivering integrity, respect and safety to our customers, our employees and the planet.
Our people are at the heart of our solutions. They reflect the communities we live in and the world where we do business. Their diversity is our strength. We’re a community of relentless problem solvers that offers the daily opportunity to contribute with your perspective, transform industries and shape the future. Our purpose is simple - to deliver a sustainable future for the world through science and collaboration. If you’re looking for a challenge and meaningful role, you’re in the right place.
About you and this role
Dow has an exciting opportunity for a Senior Treaty Reinsurance Underwriter located at the company’s World Headquarters in Midland, Michigan.
In this role, you will be accountable for underwriting and managing a portfolio of treaty reinsurance business across designated lines of business and territories, reporting to the Vice President of Operations of the Consolidated Insurance Subsidiaries. This role evaluates, prices, negotiates, and monitors proportional and non-proportional treaty arrangements while ensuring profitability, portfolio diversification, and alignment with the organization's risk appetite. The position works closely with brokers, cedents, actuarial, claims and finance teams to drive disciplined underwriting performance and profitable growth.
The Dow insurance subsidiaries participate in domestic reinsurance markets and work closely with Dow Corporate Risk Management to finance portions of Dow’s fortuitous risks. They are domiciled and regulated in multiple states, have invested assets of more than $4 Billion, and are led by Dorinco Reinsurance Company holding an AM Best “A” rating with over $700 Million of revenue and $2.2B of admitted assets. This is an excellent opportunity to learn and apply your finance, analytical, and relationship management skills, as well as insurance industry experience to help manage and shape the insurance underwriting activities across a variety of property and casualty lines of business.
Responsibilities
- At the ultimate direction of the Vice President of Insurance Operations, assist in managing the execution of direct insurance and reinsurance business, collaborating on and incorporating comprehensive business plans to attain revenue and profitability objectives that align with Dorinco risk parameters, along with actively developing and implementing marketing and growth strategies.
- Evaluate, price, and structure reinsurance transactions across a diversified portfolio.
- Prepare underwriting recommendations and portfolio reviews for senior management.
- Assess risk exposures, terms and conditions, and coverage structures to ensure profitability and alignment with risk appetite.
- Lead renewal negotiations and participate in new business development initiatives.
- Monitor portfolio performance, including loss trends, rate adequacy, and capital utilization.
- Collaborate with internal stakeholders (finance, actuarial, legal) to create innovative program designs and execution.
- Ensure compliance with underwriting guidelines, regulatory requirements, and governance standards.
- Develop and maintain strong relationships with intermediaries and clients to ensure service excellence and promote Dorinco's solutions to drive profitable growth.
- Provide technical guidance and mentorship.
Ideal candidates will have an outstanding track record of performance in reinsurance, insurance or relevant field. Prior experience in insurance or reinsurance underwriting is desirable. Other high performing individuals may be considered who have demonstrated the required characteristics and have experience in a related finance field, and/or career switchers who have displayed strong interest in, and commitment to, the field.
Required Qualifications
- A minimum of a bachelor’s degree in insurance, finance, risk management, actuarial science, accounting, or a related field or relevant military experience at or above a U.S. E5 or Canadian Petty Officer 2nd Class or Sergeant ranking.
- A minimum of 7 years of relevant experience in insurance/reinsurance underwriting, marketing, or commercial insurance operations, and/or other relevant experience.
- A minimum requirement for this U.S. based position is the ability to work legally in the United States. No visa sponsorship/support is available for this position, including for any type of U.S. permanent residency (green card) process.
Preferred Qualifications
- Master’s degree or higher education (in Business Administration or Insurance preferred).
- Professional Insurance Designations such as Chartered Property/Casualty Underwriter (CPCU), Associate in Reinsurance (ARe), Associate in Risk Management (ARM), or Other Risk or Underwriting-related Designations.
- Previous experience in treaty reinsurance underwriting, marketing and commercial reinsurance operations.
Skills
- Corporate Treasury: Innate passion for risk quantification, financing, and the effective management of financial risk.
- Growth Mindset: Naturally curious with a strong desire for continuous learning, professional development, and expanding knowledge.
- Data Analysis: Strong quantitative and analytical skills with the ability to assess complex data and draw meaningful insights.
- Communication: Ability to articulate complex concepts clearly, concisely, and effectively for diverse audiences.
- Business Management: Excellent project management and organizational skills with the ability to prioritize and execute multiple initiatives.
- Facilitating Discussions: Skilled negotiator capable of influencing outcomes, building consensus, and driving productive conversations.
- Cognitive Flexibility: Thrives in a fast-paced, high-pressure environment while adapting quickly to changing priorities and challenges.
- Solution-Oriented: Maintains a positive, proactive approach focused on identifying opportunities and resolving issues effectively.
- Teamwork: Works collaboratively across teams and functions to achieve shared goals and contribute to overall company success.
Additional Notes
Domestic relocation assistance is available for this position and may be provided based on eligibility.
Benefits – What Dow offers you
We invest in you.
Dow invests in total rewards programs to help you manage all aspects of you: your pay, your health, your life, your future, and your career. You bring your background, talent, and perspective to work every day. Dow rewards that commitment by investing in your total wellbeing.
Here are just a few highlights of what you would be offered as a Dow employee:
- Equitable and market-competitive base pay and bonus opportunity across our global markets, along with locally relevant incentives.
- Benefits and programs to support your physical, mental, financial, and social well-being, to help you get the care you need...when you need it.
- Competitive retirement program that may include company-provided benefits, savings opportunities, financial planning, and educational resources to help you achieve your long term financial-goals.
- Employee stock purchase programs (availability varies depending on location).
- Student Debt Retirement Savings Match Program (U.S. only).
- Dow will take the value of monthly student debt payments and apply them as if they are contributions to the Employees’ Savings Plan (401(k)), helping employees reach the Company match.
- Robust medical and life insurance packages that offer a variety of coverage options to meet your individual needs. Travel insurance is also available in certain countries/locations.
- Opportunities to learn and grow through training and mentoring, work experiences, community involvement and team building.
- Workplace culture empowering role-based flexibility to maximize personal productivity and balance personal needs.
- Competitive yearly vacation allowance.
- Paid time off for new parents (birthing and non-birthing, including adoptive and foster parents).
- Paid time off to care for family members who are sick or injured.
- Paid time off to support volunteering and Employee Resource Group’s (ERG) participation.
- Wellbeing Portal for all Dow employees, our one-stop shop to promote wellbeing, empowering employees to take ownership of their entire wellbeing journey.
- On-site fitness facilities to help stay healthy and active (availability varies depending on location).
- Employee discounts for online shopping, cinema tickets, gym memberships and more.
- Additionally, some of our locations might offer:
- Transportation allowance (availability varies depending on location)
- Meal subsidiaries/vouchers (availability varies depending on location)
- Carbon-neutral transportation incentives e.g. bike to work (availability varies depending on location)
Join our team, we can make a difference together.
About Dow
Dow (NYSE: DOW) is one of the world’s leading materials science companies, serving customers in high-growth markets such as packaging, infrastructure, mobility and consumer applications. Our global breadth, asset integration and scale, focused innovation, leading business positions and commitment to sustainability enable us to achieve profitable growth and help deliver a sustainable future. We operate manufacturing sites in 30 countries and employ approximately 36,000 people. Dow delivered sales of approximately $43 billion in 2024. References to Dow or the Company mean Dow Inc. and its subsidiaries. Learn more about us and our ambition to be the most innovative, customer-centric, inclusive and sustainable materials science company in the world by visiting www.dow.com.
As part of our dedication to inclusion, Dow is committed to equal opportunities in employment. We encourage every employee to bring their whole self to work each day to not only deliver more value, but also have a more fulfilling career. Further information regarding Dow's equal opportunities is available on www.dow.com.
Dow is an Equal Employment Opportunity employer and is committed to providing opportunities without regard for race, color, religion, sex, including pregnancy, sexual orientation, or gender identity, national origin, age, disability and genetic information, including family medical history. We are also committed to providing reasonable accommodations for qualified individuals with disabilities and disabled veterans in our job application procedures. If you need assistance or an accommodation due to a disability, you may call us at 1-833-My Dow HR (833-693-6947) and select option 8.
