Senior Underwriting Property Inspection Specialist

PEMCO•Portland, OR

1d•$85,559 - $161,580

About The Position

The Senior Underwriting Property Inspection Specialist evaluates residential property replacement values and geographical risk factors across the Pacific Northwest to support informed underwriting decisions and profitable growth and retention. The role provides expertise and education through collaboration with the Underwriting team, members, and stakeholders. Applicants must reside and work in Washington or Oregon and travel occasionally to PEMCO’s Seattle headquarters. The specialist reviews third-party residential inspection reports and property data, evaluates replacement costs—including those of complex, custom, and high-value properties—and assesses condition, hazards, wildfire risk, and mitigation options. The position performs field inspections infrequently as directed by management, leads the inspection vendor program, develops training and technical guidance, analyzes inspection findings and loss experience, and proposes improvements to workflows and underwriting decisions. It also collaborates with Property Claims partners and represents Underwriting on cross-functional initiatives. PEMCO is a mutual insurance company owned by Northwest policyholders, providing auto, home, renters, and boat coverage. The role’s compensation varies by location and qualifications. The target pay range is $116,338–$142,190 in the Greater Seattle area and $102,670–$125,486 outside that area; the corresponding full ranges are $96,948–$161,580 and $85,559–$142,598.

Requirements

B.A. or B.S. degree or equivalent work experience.
Four years of experience in a personal lines property-related insurance role with increasing levels of responsibility.
Customer-first orientation and strong customer service focus.
Skilled proficiency in Excel, Word, PowerPoint, and Outlook.
Valid driver’s license and good driving record.
Ability to work independently with limited direction and communicate relevant information to appropriate levels during uncertainty.
Excellent time management and ability to manage multiple tasks, activities, and projects.
Strong analytical ability, including working with disparate datasets, translating data into meaningful insights, collaborating on data management and analysis, and working with external vendors to integrate data.

Nice To Haves

Chartered Property Casualty Underwriter (CPCU) designation.

Responsibilities

Conduct desk reviews of third-party residential inspection reports and other property data sources and tools to validate replacement costs, identify condition and hazard concerns, and recommend actions to mitigate risk exposure.
Evaluate residential replacement costs, including complex, custom, and high-value properties.
Apply regional risk expertise, including residential wildfire risk and mitigation recommendations for individual properties and portfolio concentration management.
Perform underwriting field inspections on an infrequent, case-by-case basis as directed by management.
Maximize inspection review productivity while maintaining accuracy, objectivity, service standards, and cycle times.
Develop and deliver technical guidance, training, and educational resources for Underwriting, members, and stakeholders.
Pursue ongoing professional development in residential construction practices, building codes, emerging materials, industry trends, underwriting guideline updates, and property valuation tools.
Represent the Underwriting Department as a subject matter expert on cross-functional initiatives and projects.
Lead the inspection vendor program, including onboarding, training, workflow and relationship management, and performance monitoring.
Assist with escalated issues relating to the inspection program and develop effective resolutions.
Evaluate inspection review processes and propose improvements to workflow efficiency, member experience, and underwriting outcomes.
Identify opportunities to enhance property underwriting decisions and guidelines through analysis of inspection findings, loss experience, and industry developments.
Maintain collaborative relationships with Property Claims partners to monitor loss trends and share insights that inform underwriting decisions.
Demonstrate behaviors consistent with PEMCO’s policies, values, code of ethics, and business conduct.
Support the PEMCO Brand and help identify talent to support the company’s mission.
Perform other duties as assigned.

Benefits

Medical, dental, and vision plans for eligible employees and their eligible family members, with employer premium cost shares.
Employer-paid basic life and accidental death and dismemberment insurance.
Long- and short-term disability coverage.
401(k) plan with an employer match of 2-for-1 on the first 6% of employee pre-tax and/or Roth deferrals, up to federal maximums.
Vacation and eight paid holidays.
Four floating holidays and up to ten days of sick leave upon hire, prorated based on hire date and full-time or part-time status.
Paid time off for bereavement, jury duty, and employee volunteering in the community.
Education Assistance Program after one year of service.
Scholarship program for children of PEMCO employees after one year of service.
Children’s birthday gift program.
Flexible Spending Accounts.
Employee Assistance Program.
Charitable gift matching.
Discretionary bonuses may be available depending on role, contributions, and performance.
Tiered sales commissions and/or incentives may be available depending on role, contributions, and performance.