Senior Commercial Underwriting Lead (Remote UAE)

BIM Pure; United Arab Emirates; Remote; AED 300,000 - 540,000; Full time

Job summary

BIM Pure in the United Arab Emirates is seeking an experienced Senior Commercial Underwriting Specialist to assess insurance risks, review policy applications, and support underwriting decisions across business portfolios. This role will involve remote collaboration with brokers, actuaries, claims professionals, and internal teams to ensure compliant, sound underwriting outcomes.

The successful candidate will evaluate risk exposures across multiple lines, analyze financial information and loss

Qualifications

• Bachelor's degree in Insurance, Finance, Business Administration, Risk Management, Economics or a related discipline.
• Professional insurance qualifications such as ACII, FCII, CPCU, or equivalent credentials are an advantage.
• Significant experience in commercial insurance underwriting, risk assessment, or portfolio management.
• Strong understanding of commercial insurance products, policy structures, coverage conditions, exclusions, deductibles, and endorsements.
• Experience evaluating commercial risk submissions and recommending underwriting terms.
• Knowledge of risk assessment methodologies, loss history analysis, exposure evaluation, and risk mitigation practices.
• Familiarity with commercial property, liability, engineering, marine, or other relevant lines.
• Ability to interpret financial statements, claims reports, risk surveys, and technical docs.
• Understanding of underwriting pricing principles, premium adequacy, portfolio profitability, and loss-ratio analysis.
• Experience working within delegated underwriting authority frameworks and escalation procedures.
• Familiarity with underwriting platforms, policy administration systems, broker portals, and reporting tools.
• Knowledge of applicable insurance regulations, underwriting governance, internal controls, and compliance requirements.
• Strong analytical, quantitative, and decision-making skills.
• Excellent written and verbal communication skills for engaging with brokers, clients, and internal stakeholders.
• Strong negotiation and relationship-management abilities.
• High attention to detail and sound commercial judgment.

Responsibilities

• Evaluate commercial insurance submissions, proposal forms, supporting documents, and risk information to determine underwriting suitability.
• Assess risk exposures across property, general liability, professional liability, marine, engineering, and commercial package policies as applicable.
• Analyze financial information, business activities, loss histories, risk controls, and operational exposures to support underwriting assessments.
• Review risk characteristics, coverage requirements, policy limits, deductibles, exclusions, and endorsements.
• Recommend underwriting terms, conditions, pricing adjustments, and risk mitigation measures based on guidelines.
• Apply underwriting authority limits and refer complex risks to the appropriate approval level.
• Coordinate with brokers to obtain missing information, clarify risk details, and resolve submission discrepancies.
• Evaluate claims histories and loss ratios to identify risk trends and impacts on decisions.
• Review inspection reports, engineering assessments, risk surveys, and other technical docs.
• Support premium calculations and pricing reviews with actuarial and pricing teams.
• Monitor portfolio performance, risk accumulation, exposure concentrations, and market trends.
• Assist renewals by reviewing changes in exposures, claims experience, and risk profiles.
• Identify opportunities to improve portfolio profitability while maintaining risk discipline.
• Maintain underwriting files, decision records, risk assessments, and approval histories.

Skills

Analytical skills

Communication skills

Quantitative skills

Negotiation

Relationship management

Remote work capability

Education

Bachelor's degree in Insurance, Finance, Business Administration, Risk Management, Economics

ACII/FCII/CPCU or equivalent credentials

Job description

BIM Pure in the United Arab Emirates is seeking an experienced Senior Commercial Underwriting Specialist to assess insurance risks, review policy applications, and support underwriting decisions across business portfolios. This role will involve remote collaboration with brokers, actuaries, claims professionals, and internal teams to ensure compliant, sound underwriting outcomes.

The successful candidate will evaluate risk exposures across multiple lines, analyze financial information and loss