Underwriter Trade Credit (m/w/x)

Job Title

Working across 21 countries, DUAL has built a reputation as a specialist underwriting group and the market of choice for insurance intermediaries around the world. That's how we have become one of the world's largest international underwriting agencies (or MGAs) with US$3.4bn GWP.

DUAL is part of Howden, a leading global insurance group with employee ownership at its heart. Founded in 1994, it provides insurance, reinsurance and underwriting services to clients ranging from private individuals to the largest multinational companies. The Group operates in 57 countries, employs over 24,000 people and manages premiums totaling US$50bn on behalf of its clients.

Job Responsibilities

Analyse and evaluate the creditworthiness of national and international companies.

Examine, issue, and monitor credit limits within our underwriting powers.

Collect, evaluate, and interpret financial information, annual reports, and credit reports.

Continuously monitor the existing credit portfolio.

Support the development of credit decisions that are both risk-appropriate and market-compliant.

Coordinate with brokers, clients, and internal and external stakeholders regarding credit risks and limit decisions.

Observe economic and industry-specific developments and derive relevant risk assessments.

Contribute to the further development of our underwriting processes and risk guidelines.

Qualifications

A successful completion of a degree in business administration, economics, finance, or a comparable qualification.

Initial professional experience in credit analysis, credit insurance, banking, factoring, risk management, or financial services is advantageous.

Good knowledge in the analysis of annual reports and key company metrics.

An analytical, structured, and solution-oriented approach.

Strong initiative and the ability to independently set priorities.

Excellent communication skills and a passion for working with clients and sales partners.

High willingness to learn, curiosity, and interest in economic contexts.

Very good German and English language skills in writing and speaking.

Benefits

Permanent full-time employment at our Hamburg location.

Flexible working hours and home office option.

A varied job with a high degree of personal responsibility in a growing international company.

On-the-job training with a personal mentor.

People-first company culture with a focus on team spirit and innovation.

Need-based training / access to LinkedIn Learning / language courses.

An attractive salary package with very good benefits, e.g., free lunch (in Cologne) or meal vouchers, public transport pass, Urban Sports Club, company bike, mental health program, accident insurance, 30 days of vacation, and much more.

What do we offer in return? A career that you define. Of course, we offer a competitive range of rewards and benefits to support you, but we know you expect all that. What you might not expect is a job where everyone has a voice, where volunteering in the community is part of the day job, and where everyone is encouraged to play a part towards our sustainability goals. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community. Our culture: people first. Our core values dictate how we live and work. We're a group with independence and people at its heart and a home for talent with a unique culture: the biggest small company in the world. Being a people-first business has always been central to who we are. Our vision was to create an independent organization with a distinctive culture that would survive and thrive through the people who shape it. Finding the most talented and entrepreneurial individuals to join the group has been, and will continue to be, key to our success. Diversity and inclusion At DUAL, our people are our greatest strength. We are committed to building an open and inclusive culture where everyone feels trusted and that they belong. We work to ensure all candidates, employees, clients, and business partners are treated with fairness and respect. We want every candidate to be able to bring their best to the recruitment process, so if you require reasonable accommodation at any stage, please let us know and we will work with you to provide appropriate support.