junior underwriter

Montpellier Resourcing

Up to £100,000 plus EXCELLENT bonus and benefits Hybrid Working Available! A fantastic opportunity has arisen for an experienced Underwriter to join the Buy to Let department at a leading specialist Property Lending company based in the heart of London. You will be responsible for approving new mortgage applications within the Standard, Professional and portfolio But To Let product offering, and working to add value to the entire BTL process. You will also be repsonsible for managing more junior members of the team. Duties of the Buy to Let Underwriter: <ul> <li>Foster strong partnerships with the BTL Underwriting and Credit teams.</li><li>Provide input and authorize credit decisions within delegated authority to promote responsible portfolio growth in alignment with Credit Policy.</li><li>Assess and underwrite mortgage applications with higher risk profiles.</li><li>Make lending decisions in accordance with the Credit Risk Policy, Responsible Lending Policy, and individual mandate limits.</li><li>Act as an escalation point for team members, offering guidance, coaching, and training where necessary.</li><li>Take a holistic approach to applications, considering overall customer needs and outcomes.</li><li>Oversee new applications, correspondence, and pre-submission queries while meeting service level agreements.</li><li>Proactively manage a pipeline of applications from submission through to completion.</li><li>Collaborate with a pre-approved panel of Introducers to ensure swift, accurate, and consistent underwriting outcomes.</li><li>Adhere to internal guidelines and regulatory frameworks, including FCA, PRA, AML, Financial Crime Prevention, and Data Protection standards.</li><li>Take on project responsibilities and complete ad-hoc tasks as directed by management.</li></ul> Requirements for the successful Buy to Let Underwriter: <ul> <li>Minimum of 5 years' experience within underwriting and / or credit exposure within the BTL / Portfolio BTL market</li><li>Candidates will currently be holding a non-entry level lending mandate</li><li>Candidates must have managerial experience</li><li>Experience liaising with Introducers and external customers</li><li>CeMAP Qualified highly desirable</li><li>Understanding and experience of the regulatory environment</li></ul> This vacancy is being advertised by Montpellier Resourcing Associates Limited. The services advertised by Montpellier Resourcing Associates Limited are those of an Employment Agency.

Senior Buy to Let Underwriter

Tennyson Insurance

As a Senior Underwriter - Financial Lines, your role will involve:
<ul>
<li>Independently assess and price medium to high complexity risks, set and negotiate terms and conditions in accordance with the Underwriting Guidelines.</li>
<li>Have a reasonable level of Underwriting Authority and will seek empowerment from higher proficiency level Underwriting Management where required with a detailed rationale.</li>
<li>Have a strong understanding of how the accounts they work on fit into the broader Underwriting strategy.</li>
<li>Posses strong relationships and engage with distributors (agents brokers) during the Underwriting process, leading discussions around risk appetite and proactively seeking new business opportunities.</li>
<li>Anticipate customer needs and be able to handle and resolve the vast majority of queries from customers and brokers.</li>
<li>Support with the development of other Underwriters.</li>
<li>Should be proficient in Directors and Officers, Financial Institutions &amp; Professional Indemnity.</li>
<li>Complete detailed opportunity assessment with key distributors to identify growth opportunities.</li>
<li>Negotiate solid terms &amp; conditions and where appropriate cross-sell other lines of business to increase the book of business.</li>
<li>Participate in Sales Team meeting as related to assigned brokers and / or territory.</li>
<li>Proactively engage in the target account process, managing a qualified list of opportunities 90 to 120 days prior to effective date.</li>
<li>Serve as the subject matter expert and act as the key contact for assigned target accounts.</li>
<li>Measure exposure/analyze risk, initiate product development ideas and promote services to increase penetration.</li>
<li>Provide expertise on coverage issues with claims programs and guidelines.</li>
</ul>

Senior Underwriter - Financial Lines

Ultimate Banking Ltd

Senior Mortgage UnderwriterCentral Belt, Scotland£dependent on experience, up to £45kAre you an experienced manual mortgage underwriter who thrives on providing excellent customer service, and underwriting a variety of residential and B2L loans? Our client has an exciting opportunity to join their team as a Senior Mortgage Underwriter; here you will be working in a close knit team of 6 and reporting to the Mortgage Underwriting Manager, being responsible for assessing complex residential mortgage applications up to £1m. They are an established and highly customer focussed business with many awards to their name. This is a new role as they continue to expand and grow their lending offerings to their customers. You will be expected to be in their office (Central Belt) at least once a week (likely more the first few weeks) but thereafter flexibility to WFH. Duties will include: <ul><li>Assess mortgage applications in line with lending policy and regulatory standards (MCOB) </li><li>Perform detailed affordability assessments, including non-standard income and complex applicant profiles </li><li>Apply manual underwriting judgement with freedom to apply common sense without the restrictions of rigid credit scoring </li><li>Provide technical guidance to junior underwriters and administrative assistants </li><li>Contribute towards underwriting policy reviews and process improvements </li><li>Liaise with intermediaries and internal stakeholders to progress applications efficiently </li></ul>The successful candidate will possess: <ul><li>At least 3 years' previous manual mortgage underwriting experience in residential and / or B2L lending</li><li>Previously held a mandate</li><li>Have a customer focus, be able to work within a relatively small team and contribute to the wider business, supporting more junior colleagues in particular</li></ul>Along with a competitive salary, additional benefits include: bonus scheme, very generous pension scheme and BUPA health care. If you are an experienced mortgage underwriter who can commute to the Central Belt area once a week and looking to work in a customer focussed lender, please apply now.

Senior Mortgage Underwriter

American International Group, Inc. (AIG) - UAE

Senior Underwriter- Marine Make your mark in Underwriting AIG underwriting teams help to find insurance solutions in areas including Financial Lines, Property, Casualty, Specialty Lines, Cyber, Multinational Clients, and High Net Worth individuals. We are reimagining how we help customers to manage risk, transforming our operating model, and reshaping our role responsibilities and career pathways. The goal is to unlock the full potential in each colleague empowering our people to grow as insurance professionals and add more value to our customers and AIG. How you will create an impact <ul> <li>To underwrite, market, sell and promote all Marine products within GCC &amp; NA</li> <li> This role will be responsible for Profit and Sales for the Marine division primarily within UAE </li> <li>Responsible for the profitable underwriting of new business production and renewal retention of Marine products for assigned territory developed through Brokers, Direct Clients and Business Development Managers.</li> </ul> What you ll need to succeed Qualifications &amp; Education: Bachelor s Degree. CII qualifications would be a plus Experience: Prior experience in Marine Underwriting or Broking. Training: No mandatory external training Knowledge: Has in-depth knowledge of the Marine Insurance industry, Logistics and Global Trade Skilled in MS Word, Excel, Power Point and Outlook. Power BI is a plus. Job Accountabilities Retention and New Business Development <ul> <li>Maintain and develop strong broker/client relationships</li> <li> Regular in person meetings with brokers </li> <li> Conduct training sessions on AIG appetite and capabilities </li> <li>Ensure account retention rates are maintained as per company/department norms.</li> <li>Underwrite new and renewal business to promote premium growth within</li> </ul> UW authority. <ul> <li>Achieve overall production goal in collaboration with the Underwriting Manager</li> <li>Provide sound underwriting decisions, exhibit flexibility, and price risks to achieve established profit goals for the company.</li> <li>Provide feedback on renewal loss ratios that exceed permissible limits.</li> </ul> Identify poor performing accounts and take remedial actions. Others: 1. Ensure adherence to all corporate Marine Underwriting Guidelines 2. Ensure that all marine pricing tools are being used correctly and that all marine quotes, binders, and policies are issued in accordance with regulatory and corporate policies. 3. Adhere to underwriting authority &amp; underwriting guidelines referenced in the AIG Marine Intranet site. Ensuring that all underwriting decisions are documented in the underwriting file. 4. Handling of all process-oriented tasks ensuring a smooth process in place 5. Other tasks that may be deemed necessary as per the Marine department requirements. Communication and Working Relationships Internal Collaborates with other team members and peer underwriters within Commercial Lines and Distribution External Business relationships with brokers/producers, Clients, Risk Managers, Loss adjusters Key Competencies <ul> <li>Strong interpersonal and communication skills, both written and verbal</li> <li>Presentations skills</li> <li> Negotiation skills</li> <li> Insurance experience in direct markets</li> <li> Problem-solving skills and a logical approach to work</li> <li> Sound judgement and decisiveness</li> <li> Ability to work to tight deadlines</li> <li> Team player</li> <li> Customer service attitude</li> </ul>

Senior Underwriter- Marine

AmTrust Financial

<div>Overview:
<div>
Senior Underwriter &ndash; AmTrust E&amp;S Insurance Services. This underwriting position is designed for an individual with a minimum of seven (7) years of E&amp;S (excess &amp; surplus lines experience) writing medium to high hazard general liability insurance. Knowledge of ISO coverage forms. Individual account underwriting is required for hazard analysis, rating, pricing, and form selection. In addition, knowledge of industry standard company forms is required to properly underwrite risk.</div><div>
With this opportunity, you will underwrite and manage a portfolio of hard to place liability risks with tougher exposures considered unique or challenging in accordance with AmTrust E&amp;S guidelines, strategy and profitability standards. The person in this position is responsible for new business development, risk analysis and assessment, coverage evaluation, pricing and contract negotiation in order to maintain and develop a profitable portfolio of non-admitted primary and excess liability risks.</div>
Responsibilities:
<ul><li>Quickly and effectively make underwriting decisions based on review and analysis of renewal policy. Make sure policy characteristics are based on company pricing and underwriting guidelines. Collaborate closely with other team members, sales and management as needed to assess risks and retain business.</li><li>
Develop and maintain strong agency relationships and work closely with Underwriters, Sales, and Management to implement agency plans and share accountability in meeting territory goals.</li><li>
Provide support and coaching to the underwriting team and provide leadership on multiple products available to the team in order to quickly and effectively make risk decisions.</li><li>
Occasionally participate in industry events and travel to meet with agencies to support relationships as needed.</li><li>
Maintain strong product line and industry expertise and stay abreast of changes in markets.</li><li>
Other tasks, responsibilities and projects as needed.</li><li>
Keeps current with market trends and demands.</li><li>
Performs other functionally related duties as assigned.</li></ul>
Qualifications:
<ul><li>Minimum of 7 years of Liability underwriting experience preferred; high-hazard, complex risks, or E&amp;S underwriting experience highly desired with a focus on construction, products liability, hospitality and distressed premises risks.</li><li>
BA/BS degree strongly preferred, or equivalent in experience</li><li>
CPCU or other related Insurance Designation(s) preferred</li><li>
Knowledge of commercial Excess and Surplus lines risk, classification, pricing and coverage options with adherence to applicable statutory compliance issues and corporate guidelines.</li><li>
Able to understand and execute to strategic priorities including; pricing strategy, agent strategy, rate strategy, underwriting appetite, limit management and mix of business.</li><li>
Strong knowledge of the E &amp; S external market and demonstrated marketing and business development experience within the wholesale distribution channel.</li></ul><div>
This job description is designed to provide a general overview of the requirements of the job and does not entail a comprehensive listing of all activities, duties, or responsibilities that will be required in this position. AmTrust has the right to revise this job description at any time.</div><div></div><div> 
The expected salary range for this role is $92,000 -$130,000 annually</div><div></div><div> 
Please note that the salary information shown above is a general guideline only. Salaries are based upon a wide range of factors considered in making the compensation decision, including, but not limited to, candidate skills, experience, education and training, the scope and responsibilities of the role, as well as market and business considerations</div>
What We Offer:
<div>
AmTrust Financial Services offers a competitive compensation package and excellent career advancement opportunities. Our benefits include: Medical &amp; Dental Plans, Life Insurance, including eligible spouses &amp; children, Health Care Flexible Spending, Dependent Care, 401k Savings Plans, Paid Time Off.</div><div></div><div> 
AmTrust strives to create a diverse and inclusive culture where thoughts and ideas of all employees are appreciated and respected. This concept encompasses but is not limited to human differences with regard to race, ethnicity, gender, sexual orientation, culture, religion or disabilities.</div><div></div><div> 
AmTrust values excellence and recognizes that by embracing the diverse backgrounds, skills, and perspectives of its workforce, it will sustain a competitive advantage and remain an employer of choice. Diversity is a business imperative, enabling us to attract, retain and develop the best talent available. We see diversity as more than just policies and practices. It is an integral part of who we are as a company, how we operate and how we see our future.</div></div>

Senior Underwriter

Nouvo Recruitment (London) Ltd

Title: Bridging Finance UnderwriterLocation: HertfordshireSalary: Competitive + Bonus + BenefitsEmployment Type: Full-Time PermanentStart Date: ASAPDo you have a strong background in bridging finance underwriting and a passion for fast-paced, deal-driven environments? We're looking for an experienced Underwriter to join our growing team and play a key role in assessing and managing short-term property finance applications.The Role:As a Bridging Underwriter, you'll take ownership of new and existing loan applications, ensuring each deal meets our lending criteria, mitigates risk appropriately, and moves smoothly from proposal to completion.Key Responsibilities:<ul><li>Assess bridging loan applications from initial enquiry through to completion</li><li>Review credit reports, valuations, legal documents, and borrower profiles</li><li>Conduct in-depth due diligence on borrowers, assets, and exit strategies</li><li>Liaise with brokers, solicitors, valuers, and internal teams</li><li>Prepare and present credit reports to the credit committee</li><li>Ensure deals are underwritten in line with internal policy and regulatory standards</li><li>Provide support and guidance to junior underwriters (if applicable)</li></ul>What We're Looking For:<ul><li>Proven experience underwriting bridging finance (essential)</li><li>Strong knowledge of the UK property market and lending regulations</li><li>Experience with both regulated and unregulated bridging (preferred)</li><li>Ability to assess risk, structure deals, and make commercial decisions quickly</li><li>Excellent attention to detail, communication, and negotiation skills</li><li>Confident working under pressure and to tight deadlines</li><li>Experience using loan management systems or CRM platforms</li></ul>Due to a very high number of applications we are unable to come back to every candidate with feedback. If you do not hear from us within 48 hours please assume that you have been unsuccessful on this occasion. Your CV will be registered with us and we will keep you updated with any other positions that may be of interest. However please keep checking our website as new roles will be updated daily, Nouvo Recruitment wishes you the best of luck in your job search.Nouvo Recruitment (London) Ltd operate as an independent recruitment agency with over 20 years of experience supporting clients and candidates nationally across the UK.

Bridging Finance Underwriter

Fintelligent

Are you an experienced Bridging Underwriter looking for a new opportunity? Our client, a boutique specialist lender based in the heart of London, is growing and is seeking a talented applicant to manage unregulated bridging loan applications from start to finish. This is your chance to be part of an exciting journey in a dynamic and fast-paced environment.With a competitive salary of £55,000 - £65,000, this Underwriter role offers you the chance to be part of a growing company in Central London.Our client is a boutique specialist lender located in London, known for its ambition and excellence in service. The company prides itself on providing innovative financial solutions to its clients, with a focus on unregulated bridging loans.As an Underwriter, you will:<ul> <li>Conduct due diligence to support lending outcomes.</li><li>Identify and address fraud, credit risks, and other issues.</li><li>Liaise with borrowers, solicitors, valuers, brokers, and internal teams.</li><li>Review application forms and legal documentation.</li><li>Prepare indicative terms and loan offer letters.</li><li>Manage loan information using Excel and CRM systems.</li><li>Assist in developing a loan management system.</li><li>Monitor industry news and prepare investment committee papers.</li></ul> Package and Benefits:The Underwriter role comes with a comprehensive package:<ul> <li>Annual salary of £55,000 - £65,000.</li><li>25 days paid annual leave plus bank holidays.</li><li>Company pension scheme.</li><li>Smart casual dress code.</li><li>Full-time position with working hours from 09:00 to 17:30, Monday to Friday, based in Central London.</li></ul> About YouThe ideal Underwriter will have:<ul> <li>At least 1 year of experience in a similar role at a bridge lender.</li><li>Ability to manually underwrite without automated systems.</li><li>Knowledge of AML/KYC regulations and loan types.</li><li>Proficiency in Microsoft Office, especially Excel.</li><li>Excellent communication, organisation, and customer service skills.</li><li>Methodical mindset with attention to detail and ability to multitask.</li></ul> If you're interested in securing your next career move as a Bridging Underwriter, this Underwriter position might be the perfect fit for you. The skills and experience required for these roles align closely with the responsibilities of an Underwriter in our client's company.This is a fantastic opportunity for an Underwriter to join a thriving lender in London. If you're ready to take the next step in your career and make a significant impact, we'd love to hear from you. Apply now and be part of a team that's shaping the future of lending.

Underwriter Bridging

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