Commercial Insurance Underwriter | Work from Home/Dayshift

Join a growing and innovative insurance provider as an Underwriter, where you’ll play a key role in assessing risk, managing referrals, and supporting a profitable portfolio. This position offers the opportunity to work across commercial and specialty insurance products in a collaborative, fast-paced environment. You’ll partner with cross-functional teams, contribute to underwriting strategy, and help deliver sound, data-driven decisions while ensuring strong customer outcomes. Ideal for a detail-oriented professional with solid underwriting experience and a proactive, team-focused approach. Key Responsibilities Underwriting & Risk Assessment Prioritise and process underwriting referrals in line with service level agreements, ensuring timely and accurate decision-making Review proposal forms, financials, risk surveys, claims histories, and supporting documentation to assess exposure Evaluate claims activity and determine its impact on renewal terms, pricing, risk appetite, and coverage suitability Assess risks outside standard underwriting criteria, determining appropriate terms, conditions, or pricing Review existing endorsements and exclusions to ensure continued suitability Decision-Making & Governance Make underwriting decisions within agreed authority levels Escalate complex or out-of-guideline cases appropriately Ensure all decisions align with underwriting guidelines, regulatory requirements, and internal policies Stakeholder Collaboration & Support Support sales and customer service teams in clearly explaining underwriting decisions to brokers and customers Collaborate with underwriting, claims, operations, and customer service teams to ensure consistent and effective outcomes Provide administrative and analytical support to the broader underwriting team Portfolio & Process Improvement Identify opportunities to refine product wording, underwriting criteria, and processes Contribute to initiatives aimed at reducing exposure and improving profitability Documentation & Compliance Maintain accurate and detailed underwriting records, including case notes and decision rationale Ensure compliance with regulatory requirements and internal standards Participate in ongoing learning and development activities aligned with regulatory expectations Additional Responsibilities Undertake other duties as required in line with the scope of the role Qualifications & Experience Bachelor’s degree in Business, Finance, Insurance, Risk Management, Commerce, or related field (preferred) Minimum 3 years’ hands-on commercial underwriting experience, including managing referrals and risk assessments Experience in pet insurance is beneficial but not essential Skills & Competencies Strong understanding of underwriting principles, including risk assessment, pricing, policy terms, endorsements, and exclusions Ability to analyse financial and risk data and identify key exposures High attention to detail and accuracy in reviewing documentation Effective time management with the ability to handle multiple cases and deadlines Clear communication skills, with the ability to explain underwriting decisions professionally Proficient in underwriting systems, Microsoft Office, and able to quickly learn new tools Commercially aware, proactive, and a collaborative team player Why Join Twoconnect? We offer more than just a job — we offer a supportive and rewarding career experience. Here’s what you can expect from this opportunity: W ork setup – Work from home; Dayshift 0700 AM- 0400 PM PHT ( adjustments will be made for daylight saving time ) Monday to Friday; weekends off HMO with 2 free dependents and medical reimbursements Government-mandated benefits Opportunities to work with leading companies in Australia and beyond Training programmes for career development Engaging company outings, team activities and wellness sessions Supportive, inclusive culture Dedicated managers focused on your growth and success Twoconnect connects highly skilled Filipino professionals with established companies in Australia, New Zealand, the United States, the United Kingdom and Europe, providing direct access to global careers and long-term opportunities. We offer competitive pay and benefits, additional entitlements and structured career development programs that make employment both financially rewarding and professionally sustainable. Our industry-leading retention rate demonstrates our commitment to a people-first culture that prioritizes stability, growth and genuine care for every employee. Twoconnect is an equal opportunity employer. We value cultural diversity and foster an inclusive workplace where every employee is respected and supported as part of a growing global team. 🔗 Learn more about us through our official pages: Website: https://twoconnect.com.au/ Careers: https://apply.workable.com/twoconnect-careers/ LinkedIn: https://linkedin.com/company/twoconnectau Facebook: https://www.facebook.com/2woconnect/ Instagram: https://www.instagram.com/twoconnect_/