Senior Specialty Commercial Property Underwriter

ECLARO; Quezon City; In loco; PHP 700.000 - 1.300.000; Tempo pieno

Descrizione del lavoro

ECLARO is seeking an experienced Commercial Property Underwriter in the Philippines to manage new and renewal accounts, pricing and binding risks, and communicate terms with wholesale brokers. You will apply COPE knowledge, ISO/AAIS forms, and utilize underwriting tools for risk evaluation.

Ideal candidates have 5+ years in underwriting, strong analytical skills, and a track record of mentoring junior staff.

Competenze

• 5+ years in commercial property underwriting, preferably in MGA, E&S carrier, or wholesale-focused env.
• Ability to independently price, quote, and bind commercial property risks.
• Strong understanding of COPE, valuation, loss drivers, and coverage structures.
• Familiarity with ISO/AAIS commercial property forms.
• Experience with underwriting workbenches and rating platforms.

Mansioni

• Underwrite new and renewal commercial property business within authority and guidelines.
• Evaluate COPE, loss history, valuation, inspections, and third-party data.
• Determine pricing, deductibles, limits, terms, and coverage structures.
• Manage accounts through rate, quote, bind, endorsement, and renewal processes.
• Communicate underwriting requirements and coverage terms with wholesale brokers.
• Review and apply ISO, AAIS, and manuscript property forms and endorsements.
• Utilize underwriting tools including risk data and AI-assisted tools.
• Monitor portfolio performance and emerging underwriting issues.
• Mentor junior staff and support consistent underwriting documentation.
• Contribute to guidelines, product development, and process improvements.

Conoscenze

Commercial property underwriting

Pricing & quoting

Broker communication

Risk assessment

Underwriting analytics

Formazione

CPCU/ARM/AU or equivalent

Strumenti

Underwriting workbenches

Rating platforms

Policy administration systems

Property risk data

Descrizione del lavoro

JOB IDENTIFICATION

DETAILS OF DUTIES AND RESPONSIBILITIES

About the role:

Responsibilities:

• Underwrite new and renewal commercial property business within established authority and underwriting guidelines.
• Evaluate COPE information, loss history, valuation, inspections, building condition, and third-party property data.
• Determine appropriate pricing, deductibles, limits, terms, conditions, exclusions, and coverage structures.
• Manage accounts through rate, quote, bind, endorsement, and renewal.
• Communicate directly with wholesale brokers regarding underwriting requirements and coverage terms.
• Review and apply AAIS, ISO, and manuscript commercial property forms and endorsements.
• Use property valuation, hazard, geospatial, inspection, and AI-assisted underwriting tools.
• Monitor portfolio performance, concentrations, loss trends, and emerging underwriting issues.
• Mentor junior underwriting staff and support consistent underwriting documentation and decision-making.
• Contribute to underwriting guidelines, product development, and process improvement.

QUALIFICATION STANDARDS

Qualifications

• 5+ years of commercial property underwriting experience, preferably in an MGA, E&S carrier, specialty insurer, or wholesale-focused underwriting environment.
• Demonstrated experience independently pricing, quoting, and binding commercial property risks.
• Strong understanding of COPE, property valuation, loss drivers, and commercial property coverage structures.
• Familiarity with ISO and/or AAIS commercial property forms.
• Experience using underwriting workbenches, rating platforms, policy administration systems, and property risk data.
• Strong broker communication, analytical judgment, and file documentation skills.
• Experience with older, historic, specialty, or complex properties is preferred but not required.
• CPCU, ARM, AU, or similar professional designation is beneficial.