Product Specialist, Excess & Surplus

As a Product Specialist in Excess & Surplus at AIG, you will be tasked with underwriting property risks across the E&S spectrum while forming effective broker and portfolio strategies. You will leverage your technical proficiency and leadership skills to guide and mentor junior team members and maintain a profitable portfolio. Collaboration with regional Property leadership is essential to ensure that you contribute to building a renowned team culture.

To qualify for the Product Specialist role at AIG, candidates must have at least three years of experience in Commercial Property E&S underwriting. A strong understanding of market conditions, the ability to underwrite various risk structures, and excellent decision-making skills are also required. Candidates should be able to work independently and as part of a team, focusing on maintaining a balanced portfolio.

AIG places a high value on professional development for a Product Specialist. The company offers a Total Rewards Program that includes continuous learning opportunities, mentorship from seasoned professionals, and Employee Resource Groups to encourage personal and professional growth. AIG’s culture celebrates diversity and inclusion, providing the tools and support you need to excel.

In-person collaboration is a core part of AIG's culture, especially for the Product Specialist role. This approach fosters stronger connections among team members, enhances communication, and leverages collective expertise, ultimately leading to better teamwork in managing risks and strategies that benefit clients and the company.

Candidates can expect a dynamic team culture at AIG that promotes collaboration, innovation, and respect for diverse backgrounds and opinions. AIG prioritizes inclusivity, supports individual career goals, and fosters a sense of belonging among all employees to create a vibrant workplace that values each member's contributions.

When answering this question, focus on specific instances where you assessed property risks, detailing your analytical processes and decision-making criteria. Mention relevant projects, the outcomes of your underwriting decisions, and how they contributed to the company's goals.

Discuss the resources you use to stay informed, such as professional networks, industry publications, and market analysis reports. Highlight any continuous education courses or certifications you pursue, demonstrating your commitment to ongoing professional development.

Provide a specific example that illustrates your ability to analyze risks swiftly. Explain your thought process, the information you considered, and how the decision impacted the outcome. Reflect on what you learned, such as the importance of balancing speed with thorough analysis.

Illustrate your time management strategies and prioritization techniques. Discuss tools or methods you use to keep track of tasks and deadlines, ensuring you deliver quality work even under pressure. Mention an experience where this skill played a crucial role in achieving your goals.

Share your philosophy on mentorship, highlighting specific actions you take to support junior team members' development. Discuss how you provide feedback, share resources, and create learning opportunities, illustrating your commitment to growing the talent within your team.

Detail a successful collaboration with your colleagues that led to a positive outcome. Explain the project's objectives, your role, and how you navigated differing opinions or approaches to achieve consensus and success.

Discuss your approach to building strong relationships with brokers, such as regular communication, understanding their needs, and responding promptly to inquiries. Provide an example of how these strategies benefitted your previous partnerships.

Explain your process for analyzing and managing a balanced portfolio. Discuss how you assess risks, evaluate performance, and adjust strategies to optimize profitability, demonstrating your strategic thinking in managing E&S business.

Articulate your view on how diversity and inclusion contribute to a positive work environment. Mention experiences where you promoted these values, whether through advocacy, participation in ERGs, or initiatives that support inclusivity.

Express your passion for the insurance industry and how AIG’s values resonate with you. Mention specific programs or initiatives at AIG that align with your professional goals. Highlight your eagerness to contribute to AIG’s mission.