This study addresses key challenges in obtaining reliable infrared data for maritime ship observation and limitations of existing models, such as simplified reflectance assumptions and incomplete multi-band coverage. To improve modeling accuracy and computational efficiency, a high-precision Bidirectional Reflectance and Pseudo-random Vector Enhanced Reverse Monte Carlo Method (BP-ERMCM) is developed. By combining the Bidirectional Reflectance Distribution Function (BRDF), pseudo-random vector approaches, and improved ray-tracking algorithms with precomputed thermal radiation and MODTRAN’s atmospheric transfer model, BP-ERMCM provides multi-view infrared characteristic simulations across 3–5 μm and 8–12 μm bands. Simulations using a 3D ship model with 191 viewpoints reveal seasonal sensitivity, with summer peak intensity at 9.8 μm being 39.3% higher than in winter, and viewpoint dependency showing oblique overhead radiation 5.65 times greater than that from bow angles. Long-wave contours enhance target distinction, while mid-wave regions are dominated by reflection, increasing intensity at 3.8 μm by 56.1–85.7%. These findings highlight BP-ERMCM’s potential to inform infrared signature database construction, detector optimization, and maritime observation strategies. The findings underscore BP-ERMCM’s capability to enhance efficiency and accuracy, providing valuable insights for infrared databases, sensor selection, and maritime observation strategies, thereby advancing infrared signature analysis in maritime applications.