Commercial Underwriter

Company Description

At Coface, we make trade happen everyday.

Our 5,200 experts representing 80+ nationalities in 58 countries are united by a shared purpose: helping companies navigate through uncertainty by empowering them to make the right decisions and trade smarter in a complex world.

With nearly 80 years of global experience, we offer companies a full range of solutions: Trade Credit Insurance, Business Information, Debt Collection, Single Risk insurance, Surety Bonds, Factoring — all driven by a unique data patrimony, cutting-edge technology, innovation and a deep understanding of the global economy.

Joining Coface means being part of a close-knit international organization, where your ideas matter. We foster a culture of learning, collaboration and inclusion where you are given responsibilities and can see the impact of your actions.

Shape the future of trade with us. Join our Happeners!

Job Description

THE ROLE

The Commercial Underwriter is responsible for evaluating, underwriting, and managing commercial trade credit insurance risks while supporting profitable portfolio growth and customer retention. This role works closely with Sales, Account Management, Risk Underwriting, Claims, and Regional teams to provide underwriting recommendations, assess risk exposures, and deliver high-quality service to clients and brokers.

The ideal candidate combines strong analytical capabilities with sound commercial judgment and an understanding of trade credit, financial analysis, and risk management principles.

Key Responsibilities

Commercial Underwriting & Portfolio Management

• Analyze and underwrite new business opportunities and renewal accounts.
• Evaluate risk exposures and profitability considerations.
• Support portfolio growth and retention objectives while maintaining underwriting discipline.
• Monitor portfolio performance and identify trends impacting profitability.

New Business & Renewal Underwriting

• Review applications, financial information, and underwriting documentation.
• Develop underwriting recommendations, pricing proposals, and policy terms.
• Collaborate with internal stakeholders to structure solutions that meet client needs while aligning with risk appetite.
• Escalate transactions outside delegated authority levels as required.

Client & Broker Relationship Management

• Support Sales and Account Management teams during client and broker discussions.
• Respond to underwriting inquiries and provide technical expertise.
• Build strong relationships with customers, brokers, and internal business partners.

Governance & Compliance

• Ensure adherence to Coface underwriting guidelines, policies, and governance standards.
• Maintain complete and accurate underwriting documentation.
• Support audit, compliance, and operational risk requirements.

Cross-Functional Collaboration

• Partner with Sales, Claims, Finance, Risk Underwriting, and Regional teams to support profitable growth.
• Participate in portfolio reviews and business planning discussions.
• Contribute to continuous improvement initiatives and process enhancements.

Qualifications

THE CANDIDATE

Education

• Bachelor's degree in Finance, Economics, Business Administration, Accounting, Actuarial Science, Law, or a related field.
• Advanced studies or professional certifications are a plus.

Experience

• 3-7 years of experience in Trade Credit Insurance, Commercial Underwriting, Banking, Financial Services, or a related field.
• Experience analyzing corporate financial statements and commercial risk preferred.

Skills & Competencies

• Strong analytical and decision-making abilities.
• Excellent communication and relationship-building skills.
• Strong negotiation and problem-solving capabilities.
• Customer-focused and results-oriented mindset.
• Knowledge of trade credit products, commercial underwriting principles, and pricing methodologies.
• Proficiency in Microsoft Excel and PowerPoint.
• Ability to work effectively within a collaborative team environment.

Language Requirements

• Fluent in English and Spanish.

Work Arrangement

• Hybrid work schedule with two days onsite and three days remote from the Mexico City office.

Additional Information

What We Offer

Flexible hybrid work model
Career development in a global, inclusive environment
Ongoing training and learning opportunities
Competitive benefits exceeding legal requirements

Location: Ciudad de México/Mexico City (Hybrid – 2 days onsite, 3 days remote)