Senior Commercial Underwriting Specialist

Job Title: Senior Commercial Underwriting Specialist

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Work Arrangement: 100% Remote — Work From Home

Level: Senior

About the Role

We are seeking an experienced Senior Commercial Underwriting Specialist to support the assessment, evaluation, and management of commercial insurance risks. This role focuses on reviewing business insurance applications, analyzing risk exposures, evaluating supporting documentation, assessing policy requirements, and providing underwriting recommendations in line with organizational guidelines and applicable regulatory standards.

The successful candidate will collaborate remotely with brokers, clients, claims teams, risk engineers, actuarial professionals, and internal underwriting stakeholders to support informed risk assessment and effective portfolio management. The position is fully remote and requires strong knowledge of commercial insurance products, underwriting principles, risk evaluation, and policy administration.

Key Responsibilities

• Review commercial insurance submissions, applications, financial information, risk disclosures, and supporting documentation.
• Assess commercial risks across relevant insurance lines, including property, liability, marine, engineering, business interruption, and other corporate insurance products.
• Analyze business operations, industry exposures, loss histories, risk mitigation measures, and relevant financial information.
• Evaluate proposed coverage structures, policy limits, deductibles, exclusions, conditions, and endorsements.
• Prepare underwriting assessments and recommendations based on established guidelines, risk appetite, and portfolio objectives.
• Review renewal submissions, policy amendments, and requests for changes in coverage.
• Analyze claims experience, loss trends, and historical performance to support underwriting decisions.
• Coordinate with brokers and business development teams to clarify risk information and obtain outstanding documentation.
• Support the review of complex, high-value, or unusual commercial risks and escalate matters requiring specialist or delegated authority approval.
• Monitor underwriting performance, portfolio concentration, exposure accumulation, and emerging risk trends.
• Support the development and refinement of underwriting guidelines, risk assessment methodologies, and internal procedures.
• Review relevant market developments, industry exposures, regulatory changes, and emerging commercial insurance risks.
• Maintain accurate underwriting records, assessment notes, supporting evidence, and decision documentation.
• Contribute to underwriting quality assurance reviews, internal audits, and compliance assessments.
• Prepare portfolio reports, underwriting performance summaries, and management information.
• Collaborate with actuarial, claims, reinsurance, legal, and compliance teams to support consistent underwriting practices.

Qualifications and Experience

• Bachelor's degree in Insurance, Risk Management, Finance, Business Administration, Economics, or a related discipline.
• Significant experience in commercial insurance underwriting, corporate risk assessment, or commercial insurance operations.
• Strong understanding of commercial insurance products, policy structures, coverage conditions, exclusions, limits, and deductibles.
• Knowledge of underwriting principles, risk selection, exposure analysis, loss assessment, and portfolio management.
• Experience reviewing financial statements, business profiles, risk surveys, claims histories, and commercial insurance submissions.
• Familiarity with property, liability, marine, engineering, and other commercial insurance classes is advantageous.
• Understanding of underwriting governance, delegated authority frameworks, reinsurance considerations, and regulatory compliance requirements.
• Experience using underwriting platforms, insurance administration systems, and digital risk assessment tools.
• Strong analytical and quantitative skills, with the ability to evaluate complex information and identify material risk factors.
• Excellent written communication, negotiation, and stakeholder management skills.
• High attention to detail and the ability to manage confidential commercial and financial information.
• Ability to work independently, manage multiple submissions, and meet deadlines in a fully remote environment.
• Professional qualifications such as ACII, CII, CPCU, or other recognized insurance and underwriting certifications are advantageous.

What We Offer

• 100% remote working arrangement with work-from-home flexibility.
• Full-time professional opportunity in commercial insurance underwriting.
• Exposure to diverse corporate insurance portfolios and complex risk assessments.
• Opportunities to contribute to underwriting governance, portfolio performance, and risk management initiatives.
• Collaboration with multidisciplinary underwriting, actuarial, claims, reinsurance, and commercial teams.
• Professional development and opportunities to expand specialist underwriting expertise.

How to Apply

Interested candidates should submit an updated CV highlighting their commercial underwriting experience, insurance product knowledge, risk assessment capabilities, and relevant professional qualifications.

Application Subject: Application – Senior Commercial Underwriting Specialist (UAE Remote)

Candidates should confirm applicable employment arrangements, residency requirements, and work authorization before accepting an offer.

• Regulatory and authorization note: This position focuses on remote underwriting analysis, submission reviews, risk assessment support, portfolio monitoring, documentation, and stakeholder coordination. Physical risk surveys, property inspections, engineering assessments, site visits, and in-person verification must be conducted by appropriately qualified local personnel. Binding underwriting decisions, policy issuance and commitments, coverage approvals, premium or pricing exceptions outside delegated authority, reinsurance commitments, regulated financial determinations, formal regulatory submissions, and statutory compliance sign-offs must be made or approved by appropriately licensed, delegated, or otherwise authorized underwriting, actuarial, legal, or compliance professionals in accordance with applicable laws and organizational authority.