Risk and Underwriting Consultant — International Personal Lines

CHUBB INSURANCE SINGAPORE LIMITED; Singapore; On-site; SGD 85,000 - 110,000; Full time

Job summary

CHUBB INSURANCE SINGAPORE LIMITED is seeking a Risk and Underwriting Consultant to conduct on-site risk surveys for residential properties, including landed homes and high-value residences, and to assess insurance coverage adequacy. You will support the Personal Risk Services team by identifying hazards, recommending risk improvements, and underwriting complex cases.

The role requires knowledge of property construction, fire protection systems, and security controls, with willingness to travel

Qualifications

• Degree or diploma in risk management, civil engineering, quantity surveying, or related field.
• Willingness to travel within Singapore when required.
• Strong understanding of residential property construction, fire protection systems, and security controls.
• Familiarity with Singapore property types, including landed homes and condominiums.
• Knowledge of local fire safety, building, and regulatory requirements.
• Good written and verbal communication skills.

Responsibilities

• Conduct on-site risk surveys for residential properties, including landed homes and high-value residences.
• Assess the replacement cost of homes by accepted valuation methods.
• Assess potential risk or catastrophe exposures and review security and fire protection relative to insurance coverages.
• Keep abreast of current building costs, changes to security/fire protection, construction techniques/materials, loss trends.
• Assess the adequacy of client’s insurance coverages and supply underwriter with sufficient information.
• Provide risk management recommendations aligned with underwriting and appraisal guidelines.
• Prepare risk assessment reports in accordance with underwriting and appraisal guidelines.
• Perform other services or deliverables as instructed by Chubb, including administrative duties.

Skills

Technical risk assessment

Analytical thinking

Report writing

Client service orientation

Attention to detail

Education

Degree or diploma in risk management, civil engineering, quantity surveying, or related

Job description

Shortlisted candidate shall provide the following services and deliverables:
The Risk and Underwriting Consultant conducts home appraisal services in accordance with underwriting guidelines relating to property condition, construction, occupancy, security, and other relevant risk factors. The role supports the Personal Risk Services team by identifying hazards, recommending risk improvements, assessing adequacy of insurance coverage, preparing risk assessment reports, and underwriting complex cases.

Role purpose

Support the Personal Risk Services team by underwriting and assessing property and lifestyle risks for high-net-worth clients, with a focus on complex high-net-worth cases.

Key responsibilities

• Conduct on-site risk surveys for residential properties, including landed homes and high value residences
• Assess the replacement cost of homes by adhering to accepted valuation methods
• Assess potential risk or catastrophe exposures and review the security and fire protection relative to the insurance coverages
• Keeping abreast of current building costs, changes to security/fire protection, construction techniques/materials, loss trends and undertake research projects as required
• Assess the adequacy of the client’s insurance coverages and supply the underwriter with sufficient information to pursue these coverages
• Provide risk management recommendations aligned with Chubb’s underwriting and appraisal guidelines
• Prepare risk assessment reports in accordance with Chubb’s underwriting and appraisal guidelines
• Any other services or deliverables as instructed by Chubb, including administrative duties

Required qualifications

• Degree or diploma in risk management, civil engineering, quantity surveying, or a related discipline
• Strong willingness to learn from experts from a variety of disciplines
• Willingness to travel within Singapore when required
• Strong understanding of residential property construction, fire protection systems, and security controls
• Familiarity with Singapore property types, including landed homes and condominiums
• Knowledge of local fire safety, building, and regulatory requirements
• Good written and verbal communication skills

Preferred experience

• Experience in property underwriting, risk engineering, property surveys, or a related technical field
• Prior experience working in insurance or financial institutions

Core competencies

• Technical risk assessment
• Analytical thinking
• Report writing
• Client service orientation
• Attention to detail