Underwriter

• 💡 Conduct renewal analyses for insurance policies.
• 📄 Evaluate co-insurance cases and inspection reports;
• 💬 Actively participate in negotiations and departmental projects;
• 🔍 Prepare quotes in accordance with internal guidelines and clauses appropriate to the risk;
• 📝 Support the issuance process, ensuring correct submission of required documentation;
• 🤝 Provide technical support to the commercial team and partner brokers regarding products, clauses and terms;
• 📊 Analyze risks based on information received, loss history, account activity and exposure.

Property Underwriting Analyst

• Resolve problems of moderate complexity
• Work independently in day-to-day routines
• Actively contribute to the team's decision-making
• Responsible for the technical quality of quotes
• Maintain relationships with market underwriters
• Manage placement processes with rigor and agility

Senior Underwriting Analyst – Property

• Serve as the strategic reference for Life Insurance and Pension underwriting, supporting business, operations, sales and leadership in decision-making related to risk acceptance and portfolio governance.
• Identify opportunities for innovation, digital transformation and underwriting process optimization, proposing solutions that increase operational efficiency, improve the customer experience, and enhance accuracy and speed in risk evaluation.
• Lead studies and tests of new underwriting approaches, including the use of data, analytics, artificial intelligence, predictive models and alternative information sources to improve decision-making and business flow.
• Actively participate in the company’s strategic and transformation projects, contributing technical insight and innovative proposals focused on sustainability, profitability and competitive advantage.
• Perform technical analysis and underwriting of medium- and high-complexity risks, evaluating eligibility criteria in compliance with internal policies and applicable regulations.
• Conduct technical studies to define, review and improve underwriting rules, policies and manuals, ensuring a balance between commercial competitiveness, profitability and risk control.
• Provide consultative support to internal areas, clarifying questions related to underwriting criteria, products, coverages, contractual clauses, special risks and regulatory aspects.
• Prepare technical opinions and recommendations for complex cases, supporting governance forums, committees and decision-making bodies.
• Lead and validate system implementations related to underwriting processes, evaluating business rules, parameter settings, operational flows and regulatory compliance.
• Monitor underwriting and portfolio quality metrics, identifying trends, risk deviations, improvement opportunities and proposing corrective or preventive actions.
• Conduct market studies, benchmarking and evaluations of new underwriting practices to achieve efficiency gains, automation and improved experience for internal and external customers.
• Draft and review normative documents, manuals, operational procedures and training materials related to Life and Pension underwriting.
• Act as the focal point interfacing with Product, Actuarial, Sales, Legal, Compliance, Technology, Operations and business partners, ensuring technical and regulatory alignment.
• Produce executive presentations, management reports and technical materials to support leadership, committees and governance bodies.
• Monitor regulatory changes and insurance market trends, assessing impacts on underwriting policies, processes and company products.

Senior Underwriting Analyst

• Analyze Life and Credit Life insurance proposals in accordance with underwriting policy.
• Assess individual and group risks within established authority limits.
• Perform calculations, classifications and validations for policy issuance.
• Support the definition of commercial and technical conditions.
• Monitor portfolio quality and underwriting indicators.
• Act on fraud prevention and resolve data inconsistencies.
• Interact with brokers, partners, banks and internal areas to resolve requests.
• Prepare management reports and portfolio analyses.
• Support reviews of products, processes and underwriting rules.
• Ensure compliance with internal policies and applicable regulations.

Underwriter jobs in Brazil

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Property Underwriting Analyst

Senior Underwriting Analyst – Property

Senior Underwriting Analyst

Senior Underwriting Analyst – Life and Credit Life