25 Senior Underwriter jobs in Pakistan

Job Title: Junior Underwriter

Department: Underwriting

Location: Lahore

Job Level: Entry Level

Nature of Job: Desk Job

Category: Full Time Employment

No. of Positions: 2

Gender Preference: No Preference

Remuneration: Market Competitive

Last Date to Apply: October 26, 2025

Job Summary:

We are seeking a detail-oriented and motivated Junior Underwriter to support our underwriting teams in assessing risk and efficiently manage insurance applications within assigned limits for various business classes including but not limited to fire, motor, marine, travel, miscellaneous. As a Junior Underwriter, you will assist in gathering and analysing data, performing risk assessments, and ensuring compliance with company policies and regulatory standards.

Job Description:

• Assist in reviewing insurance applications for various classes of business e.g. motor, marine, fire, miscellaneous, travel etc. for completeness and accuracy.
• Support senior underwriters in evaluating the risk of insuring a person or asset.
• Help prepare and issue insurance quotes and policy documentation.
• Enter and maintain data in underwriting software.
• Monitor existing policies for changes in risk or compliance issues.
• Stay up to date on industry trends, regulatory requirements, and internal underwriting guidelines.

Job Specification:

Education Qualification:

• Minimum Bachelor's degree in Business/ Finance/ Insurance/Risk Management.

Relevant Experience:

• 0–2 years of experience in general insurance, risk assessment, or a similar field.

Essential Skills:

• Strong analytical and organizational skills.
• Attention to detail and ability to handle data accurately.
• Proficient in Microsoft Office (Excel, Word, Outlook).
• Excellent written and verbal communication skills.
• Ability to work both independently and as part of a team.

Job Type: Full-time

Work Location: In person

Company Description

Hellenic Sun Insurance Brokers Pakistan is a leading insurance brokering and risk management company. At HSB Pakistan, we aim to build strong relationships and provide security for our clients. We focus on protecting both institutions and individuals from various risks. By evaluating exposure and ensuring indemnity, we strive to secure our clients' foundations against all adverse outcomes.

Role Description

This is a full-time on-site role for a Health Insurance Underwriter, located in Lahore District. The Health Insurance Underwriter will be responsible for evaluating insurance applications, analyzing risks, determining coverage terms, and setting premium amounts. Day-to-day tasks include assessing financial documents, communicating with clients and agents, and ensuring compliance with insurance regulations and policies. The role requires strong analytical skills and attention to detail to make informed underwriting decisions.

Qualifications

• Strong Analytical Skills and expertise in Finance
• Proficiency in Underwriting and Insurance practices
• Excellent Communication abilities
• Experience in risk assessment and evaluation
• Bachelor's degree in Finance, Business Administration, or a related field
• Relevant certification in insurance underwriting is a plus
• Ability to work independently and collaboratively within a team
• Attention to detail and ability to make data-driven decisions

Job Summary:

We are seeking a detail-oriented and analytical Real Estate Underwriter
 with 6 months to 1 year of experience. The ideal candidate will have a basic understanding of real estate principles, strong analytical and problem-solving skills, and advanced proficiency in 
Microsoft Excel
. This role involves assessing loan applications, analyzing property and borrower data, and ensuring that underwriting decisions comply with company policies and risk standards.

Key Responsibilities:

• Review and analyze real estate loan applications, financial statements, and credit reports.
• Evaluate property appraisals, income statements, and market data to determine loan eligibility and risk exposure.
• Prepare financial models and cash flow analyses using Excel.
• Identify potential risks and make data-driven recommendations to mitigate them.
• Collaborate with loan officers, credit analysts, and management to support the approval process.
• Ensure compliance with internal underwriting guidelines, policies, and regulatory requirements.
• Maintain accurate documentation and prepare underwriting summaries for decision-making.
• Support continuous improvement of underwriting processes and tools.

Qualifications:

• Bachelor's degree in Finance, Real Estate, Business, Economics, or a related field.
• Basic knowledge of real estate finance, lending, and property valuation.
• Strong analytical and quantitative skills with attention to detail.
• Expert-level proficiency in Microsoft Excel
   (pivot tables, formulas, financial modeling, data analysis).
• Excellent communication and organizational skills.
• Ability to work independently and manage multiple priorities in a deadline-driven environment.
• Prior experience in underwriting, credit analysis, or real estate finance is a plus (but not required for entry-level candidates).

As our Hotel Underwriter/Analyst, you'll be at the heart of our investment strategy—digging into the numbers, uncovering market potential, and helping decide which projects make the cut. You'll underwrite hotel developments, renovations, and conversions, running the financials that will shape millions of dollars in investments.

If analyzing ADR trends, scoping comps, assessing construction budgets, and calculating cap rates excites you, this is where you'll thrive. We provide training to sharpen your skills, but you'll bring the experience and instincts to hit the ground running.

What You'll Do

• Spot profitable opportunities in hotel acquisitions and developments.
• Build rock-solid financial models to forecast returns and risk.
• Dive deep into market research—comps, ADRs, RevPAR, occupancy trends.
• Analyze construction and renovation budgets for real-world feasibility.
• Prepare investment memos that turn complex data into clear decisions.
• Collaborate with acquisitions, asset management, and finance teams.

What You Bring

• Experience underwriting hotel investments—developments, renovations, and conversions.
• A strong grasp of key hospitality metrics (RevPAR, ADR, cap rates, occupancy).
• Bachelor's in Finance, Real Estate, Economics, Hospitality, or related field.
• Advanced Excel skills and a head for numbers.
• Analytical rigor + the creativity to see opportunity where others don't.

Why You'll Love It Here

• Competitive pay + performance bonuses for deals you help close.
• High visibility—your work will directly impact our investment decisions.
• Get in early with a fast-growing portfolio of exciting hotel projects.
• A team that values collaboration, speed, and big ideas.
• See your work come to life in real-world properties.
• Part-Time Flexibility: Work 4 hours per day from anywhere.
• Career Growth: Collaborate with experienced real estate investors and expand your expertise in hotel acquisitions and development.
• Competitive Compensation: Starting at 4$-$/hour plus bonuses and commissions for successful closings.
• High-Impact Role: Your insights will directly influence high-value investment decisions.

As part of our application process, we'd like to invite you to complete a brief video interview. You can access the platform and answer the interview questions here:

Please note that candidates who do not complete this step may be given lower priority in the selection process.

Job Type: Part-time

Pay: Rs1,400.00 per hour

Expected hours: 20 per week

Application Question(s):

• How many years of experience do you have as a Hotel Underwriter?
• Have you built financial models in Excel to forecast hotel investment returns and risks?
• The starting pay is 5/hour plus bonuses and commissions. Are you okay with this rate?

Work Location: Remote

Position Title: QM & NON QM Underwriters

Salary: K

Location/ City: Karachi and Islamabad

Shift: US - Night Shift

Only relevant experience in required industry of Mortgage will be required to shortlist.

We're
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Underwriters (QM & Non-QM)

We are expanding our Mortgage Operations team and looking for skilled QM & Non-QM Underwriters to support U.S.-based lenders.

Key Responsibilities:

*Review borrower documentation (income, assets, credit, collateral, appraisals) for loan eligibility.

*Underwrite files using AUS tools (DU/LPA) and perform manual underwriting for complex/Non-QM loans.

*Analyze traditional & alternative income sources (W2s, tax returns, 1099s, bank statements, DSCR, P&L, asset utilization).

*Apply Agency (Fannie, Freddie, FHA, VA, USDA) and Non-QM investor guidelines, ensuring compliance with ATR/QM rules.

*Document decisions in LOS and resolve conditions with U.S. stakeholders.

*Ensure accuracy, compliance, and SLA targets.

What We're Looking For:

*3–5 years of U.S. mortgage underwriting experience (QM or Non-QM).

*Strong knowledge of AUS (DU/LPA) & LOS platforms (Encompass, Calyx, LendingPad).

*Hands-on expertise in Agency loans or Non-QM programs (Bank Statement, DSCR, 1099, Asset Utilization).

*Excellent communication skills & willingness to work U.S. time zone shifts.

Location: Work from Office (Karachi / Islamabad)

Shift: U.S. Timings

Immediate Joiners Preferred

Ready to grow your career with us?

Title 1

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Title 2

That the quick brown fox jumps over the lazy dog.

That the quick brown fox jumps over the lazy dog.

That the quick brown fox jumps over the lazy dog.

That the quick brown fox jumps over the lazy dog.

Instructions for Zoho Show

• Create a 7-slide presentation.

• Use clear titles + 3–4 concise bullets per slide.

• Add visuals as suggested.

• Keep style clean, modern, professional.

• • No clutter, no long text.

Only relevant experience in required industry of Mortgage will be required to shortlist.

Key Responsibilities:

*Review borrower documentation (income, assets, credit, collateral, appraisals) for loan eligibility.

*Underwrite files using AUS tools (DU/LPA) and perform manual underwriting for complex/Non-QM loans.

*Analyze traditional & alternative income sources (W2s, tax returns, 1099s, bank statements, DSCR, P&L, asset utilization).

*Apply Agency (Fannie, Freddie, FHA, VA, USDA) and Non-QM investor guidelines, ensuring compliance with ATR/QM rules.

*Document decisions in LOS and resolve conditions with U.S. stakeholders.

*Ensure accuracy, compliance, and SLA targets.

What We're Looking For:

*3–5 years of U.S. mortgage underwriting experience (QM or Non-QM).

*Strong knowledge of AUS (DU/LPA) & LOS platforms (Encompass, Calyx, LendingPad).

*Hands-on expertise in Agency loans or Non-QM programs (Bank Statement, DSCR, 1099, Asset Utilization).

*Excellent communication skills & willingness to work U.S. time zone shifts.

Title 1

That the quick brown fox jumps over the lazy dog. That the quick brown fox jumps over the lazy dog. That the quick brown fox jumps over the lazy dog. That the quick brown fox jumps over the lazy dog. That the quick brown fox jumps over the lazy dog. That the quick brown fox jumps over the lazy dog.

Title 2

That the quick brown fox jumps over the lazy dog.

That the quick brown fox jumps over the lazy dog.

That the quick brown fox jumps over the lazy dog.

That the quick brown fox jumps over the lazy dog.

Instructions for Zoho Show

• Create a 7-slide presentation.

• Use clear titles + 3–4 concise bullets per slide.

• Add visuals as suggested.

• Keep style clean, modern, professional.

• No clutter, no long text.

Job Type: Full-time

Pay: Rs100, Rs200,000.00 per month

Application Question(s):

• 1:please share us your exposure and experience as QM and NON-QM writer with your previous employer name.

2: Are you willing to work night shift at our Karachi based office?

Work Location: In person

Description

• Release of Management Reports at dedicated frequency- All Programmes, internal and for donors, and related follow ups on actionable items;
• Review monthly income and expenditure of Schools, updated monthly reporting dashboards.
• Bank reconciliation of Fee collection account and related management reporting and circulation to Regions for corrective actions required, if any.
• Introduce new performance management reports in Power Bi, with the support of IT team;
• To liaise with relevant colleagues for ERP matters including recon, script run, closing of school company, setting up new programmes/ cost centers/ regions/ areas and changes therein, in financial system;
• To supervise such other financial operations as may be required for TCF Schools, if required, and liaise with Regional Managers/ Area Staff per requirement;
• To participate in such other (IT) projects from functional perspective as may be required- School App, School Expenses allocation etc.

Required Skills

• Experience in audit / accounting
• Experience in MIS, creating dashboards
• Experience in MGDP and Power Bi would be an added feature/ advantage
• Good interpersonal skills, and can work with divergent teams

Education

• Qualified / part qualified CA

• Qualified ACCA

• MBA from a reputable institute.

Experience

Minimum 4-5 years of relevant experience.

Description

• Release of Management Reports at dedicated frequency- All Programmes, internal and for donors, and related follow ups on actionable items;
• Review monthly income and expenditure of Schools, updated monthly reporting dashboards.
• Bank reconciliation of Fee collection account and related management reporting and circulation to Regions for corrective actions required, if any.
• Introduce new performance management reports in Power Bi, with the support of IT team;
• To liaise with relevant colleagues for ERP matters including recon, script run, closing of school company, setting up new programmes/ cost centers/ regions/ areas and changes therein, in financial system;
• To supervise such other financial operations as may be required for TCF Schools, if required, and liaise with Regional Managers/ Area Staff per requirement;
• To participate in such other (IT) projects from functional perspective as may be required- School App, School Expenses allocation etc.

Required Skills

• Experience in audit / accounting
• Experience in MIS, creating dashboards
• Experience in MGDP and Power Bi would be an added feature/ advantage
• Good interpersonal skills, and can work with divergent teams

Education

• Qualified / part qualified CA
• Qualified ACCA
• MBA from a reputable institute.

Experience

Minimum 4-5 years of relevant experience.

Job Type: Full-time

Application Question(s):

• What is your current Salary?
• What is your expected Salary?

Work Location: In person

The opportunity (Assistant Director)
As we roll out 'All In" across our firms, the PBFA function becomes even more critical to help maintain/improve profitability and provide strategic insights. The support role will be instrumental in helping the ASU PBFA Lead to carry out this role.

This role requires a finance professional offering support to the MENA ASU PBFA Lead on P&L analysis and other KPIs. The role will establish best in class support, functional expertise and reporting solutions with a particular focus on analytics and financial modelling.

Your key responsibilities:

• Develop a good understanding of the PBFA cycle in a year, along with SL performance KPIs.
• Conduct data analysis on large sets of data, to give leadership insights on performance and profitability, to drive business decisions.
• Lead in development of financial models for different scenarios to assess impacts of changing levers.
• Support Operations lead in the root cause analysis of variances and identification of possible solutions to resolve issues.
• With time, develop effective working relationships with the extended Finance team and ASU leadership team.
• Participate in various improvement initiatives and information gathering activities within PBFA space.
• Be the Go To Person for all analysis and financial modelling.

Skills and attributes for success:

• Keen to solve problems and provide a credible solution.
• Ensure delivery of exceptional client service to all stakeholders.
• Strong analytical and numeracy skills, with a high degree of accuracy and attention to detail.
• Good time management skills and able to balance multiple priorities by considering risk, importance and level of urgency.
• Eagerness to learn quickly, be proactive and ask questions.
• Well-developed listening skills.

To qualify for the role you must be:

• Willing to working in a fast-paced environment with a strong work ethic.
• Able to interact well with people at all levels within the firm and build strong relationships.
• Having strong knowledge of MS Office Packages. Excel, PowerPoint, Outlook, Power BI and Word in particular.
• Having excellent communications and organizational skills.
• Detail oriented and eager to analyze and solve complex cases
• Have a finance related degree or qualified accountant
• Have 5-7 years of relevant work experience
• Be innovative, confident and creative thinker with ability to make quick decisions.
• Willing to work in a flexible working pattern