Senior Underwriting Property Inspection Specialist

PEMCO•Seattle, WA

10d

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 property evaluation expertise and education through collaboration with the Underwriting team, members, and other stakeholders. Applicants must reside and work in Washington or Oregon and should expect occasional travel to PEMCO’s Seattle, Washington headquarters. The specialist reviews third-party residential inspection reports and other property data, assesses replacement costs and property risks, and makes recommendations to mitigate exposure. The role includes evaluating complex, custom, and high-value properties; applying regional risk expertise, including wildfire risk; and conducting field inspections infrequently when directed by management. The specialist also leads the inspection vendor program, supports escalated issues, develops technical guidance and training, and contributes to process and underwriting improvements. PEMCO is a mutual insurance company owned by its Northwest policyholders, offering auto, home, renters, and boat coverage. It describes its workplace as inclusive and highlights community and social impact programs. The position requires ongoing professional development and representation of the Underwriting Department on cross-functional initiatives.

Requirements

A bachelor’s degree or equivalent work experience.
At least 4 years of experience in a personal lines property-related insurance role with increasing levels of responsibility.
Customer-service orientation and a strong focus on customer needs.
Skilled proficiency in Microsoft 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 organizational skills, including the ability to manage multiple tasks, activities, and projects.
Strong analytical skills, including the ability to combine disparate datasets, collaborate to produce meaningful insights, work with external vendors to integrate data for analysis, and build efficient, scalable infrastructure and data models.
Must reside and work in Washington or Oregon.

Nice To Haves

Chartered Property Casualty Underwriter (CPCU) designation.

Responsibilities

Review third-party residential inspection reports and other property data sources and tools to validate replacement costs, identify condition and hazard concerns, and recommend risk-mitigation actions.
Evaluate residential replacement costs, including those of 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.
Maintain inspection review productivity, accuracy, objectivity, and adherence to service standards and cycle times.
Develop and deliver technical guidance, training, and educational resources for Underwriting, members, and stakeholders.
Maintain professional knowledge of 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 inspection program issues and develop effective resolutions.
Evaluate inspection review processes and propose improvements to workflow efficiency, member experience, and underwriting outcomes.
Identify opportunities to improve property underwriting decisions and guidelines by analyzing inspection findings, loss experience, and industry developments.
Collaborate with Property Claims partners to monitor loss trends and share insights that inform underwriting decisions.
Demonstrate conduct consistent with PEMCO policies, values, code of ethics, and business conduct.
Support the PEMCO brand and help identify talent for the organization.
Perform other duties as assigned.

Benefits

Medical, dental, and vision plan coverage for eligible employees and 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 in the first year for benefits-eligible employees.
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 bereavement, jury duty, and employee community volunteering time.
Education Assistance Program after one year of service.
Scholarship program for employees’ children 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.