Commercial Insurance Underwriter – Midshift

This is a fully remote position, open to applicants in Philippines.

📋 Description

• Become part of a dynamic and forward-thinking insurance provider as an Underwriter.

• Evaluate risk, oversee referrals, and maintain a profitable portfolio.

• Collaborate in a fast-paced environment across commercial and specialty insurance products.

• Work alongside cross-functional teams to contribute to the underwriting strategy.

• Assist in delivering well-informed, data-driven decisions while ensuring positive customer outcomes.

• Prioritize and process underwriting referrals in accordance with service level agreements.

• Analyze proposal forms, financial statements, risk surveys, claims histories, and supporting documents to evaluate exposure.

• Review claims activity to assess its effect on renewal terms, pricing, risk appetite, and coverage suitability.

• Evaluate risks beyond standard underwriting criteria, establishing suitable terms, conditions, or pricing.

• Ensure all decisions are in accordance with underwriting guidelines, regulatory mandates, and internal policies.

• Assist sales and customer service teams in clearly articulating underwriting decisions to brokers and clients.

• Collaborate with underwriting, claims, operations, and customer service teams to achieve consistent and effective results.

• Provide administrative and analytical support to the wider underwriting team.

• Identify opportunities to enhance product language, underwriting criteria, and processes.

• Maintain precise and comprehensive underwriting records, including case notes and decision rationale.

• Ensure adherence to regulatory standards and internal policies.

⛳️ Requirements

• Bachelor’s degree in Business, Finance, Insurance, Risk Management, Commerce, or a related field (preferred).

• At least 3 years of hands-on experience in commercial underwriting, including referral management and risk assessments.

• Experience in pet insurance is advantageous but not mandatory.

• Strong knowledge of underwriting principles, encompassing risk assessment, pricing, policy terms, endorsements, and exclusions.

• Capability to analyze financial and risk data and pinpoint key exposures.

• Exceptional attention to detail and accuracy in document review.

• Effective time management skills with the ability to juggle multiple cases and deadlines.

• Excellent communication skills, capable of professionally articulating underwriting decisions.

• Proficient in underwriting systems and Microsoft Office, with a quick aptitude for learning new tools.

• Commercially aware, proactive, and a collaborative team player.

• Willingness to work during mid-shift hours.

🏝️ Benefits

• Work setup – Remote work arrangement.

• Monday to Friday schedule; weekends off.

• HMO coverage including 2 free dependents and medical reimbursements.

• Benefits mandated by the government.

• Opportunities to collaborate with leading companies in Australia and internationally.

• Training programs aimed at career advancement.

• Engaging company outings, team-building activities, and wellness sessions.

• Supportive and inclusive company culture.

• Dedicated managers committed to your growth and success.