manager underwriting

TPL Insurance 

&middot; Facilitating coordination between Head Office and branches to ensure consistent application of underwriting policies.&middot; Risk identification and analysis to evaluate the proposed risk and to offer terms/quotations accordingly&middot; Issuance of policies/endorsement for binding the accepted risk in the system&middot; Adherence to Underwriting Guideline&middot; Handling of customers/clients queries and correspondence for compliance&middot; Recommendation for improvement in IMS and procedure&middot; Generate MIS and Reporting&middot; Conduct quality control&middot; Good CommunicationJob Type: Full-timeWork Location: In person

Manager Underwriting

You desire impactful work.
 
You’reRGA ready
 
RGA is a purpose-driven organization working to solve today’s challenges through innovation and collaboration. A Fortune 200 Company and listed among itsWorld’s Most Admired Companies, we’re the only global reinsurance company to focus primarily on life- and health-related solutions. Join our multinational team of intelligent, motivated, and collaborative people, and help us make financial protection accessible to all.
 
General Summary: 
As a key member of the Global Underwriting Philosophy Design Team, you will report to the Associate Director, Global Underwriting Philosophy Design and work alongside other members of the team in the ongoing development of RGA’s Global Underwriting Manual Philosophy. The role involvescombining analytical thinking and advanced research skills to transform complex underwriting, medical, regulatory and actuarial data into clear, structured and actionable underwriting guidelines.
 
Key Responsibilities: 
<ul>
<li>Design, develop and publish high quality research-based guidelines for medical and non-medical risks.</li>
<li>Collaborate closely with regional and local teams, including medical directors, and data scientists (R) to develop global underwriting guidelines.</li>
<li>Develop client communication materials to highlight RGA's global underwriting philosophy.</li>
<li>Develop robust professional relationships with RGAs Global medical directors, data scientists, and local office stakeholders, both within underwriting and across other functions.</li>
<li>Keep abreast of the latest developments, innovations, and trends within the industry.</li>
<li>Contribute to a positive working environment with teamwork and a spirit of innovation.</li>
<li>Support the Associate Director, Global Underwriting Philosophy Design in various initiatives as required.</li>
<li>Involvement with various other training& development, research, and underwriting related projects as required.</li>
<li>Performs backup support and other duties as assigned.</li>
<li>Participate in RGA events and industry activities</li>
</ul>
Education and Experience: 
Required: 
<ul>
<li>Bachelor’s Degree or equivalent work-related experience (minimum 8 years).</li>
<li>7+ years of life and living benefits underwriting experience (Critical Illness and disability income experience is a necessity) in a reinsurance environment, or 10 years in a direct office.</li>
<li>Good technical knowledge of underwriting systems.</li>
</ul>
Preferred: 
<ul>
<li>ACS, ALU, FLMI, FALU or CLU accreditation, or progress towards accreditation.</li>
<li>Over 10 year’s reinsurance underwriting experience.</li>
<li>Data analytics experience</li>
<li>Language skills are an asset.</li>
</ul>
Skills and Abilities: 
<ul>
<li>Comprehensive understanding of insurance medical practices and current trends with the capability to effectively apply this expertise in the development of underwriting guidelines.</li>
<li>Advanced research skills</li>
<li>Excellent verbal and written communication, as well as presentation skills, with an ability to express business concepts in ways that are clear and easily understood by all internal and external stakeholders.</li>
<li>Advanced ability to translate business needs and problems into viable/accepted solutions.</li>
<li>Strong ability to persuade both internal colleagues and external clients when addressing and resolving problems.</li>
<li>Ability to adapt quickly and remain effective when working under pressure or facing tight deadlines.</li>
<li>Ability to collaborate effectively and build strong relationships across a wide variety of operational, functional, and technical disciplines.</li>
<li>Advanced skills in stakeholder relationship management and change management.</li>
<li>Demonstrate proficiency in managing multiple priorities efficiently, consistently adheres to deadlines, and ensures the timely delivery of all set outcomes.</li>
<li>Attain relevant insurance qualifications and remain informed of international trends and advancements in underwriting.</li>
</ul>
What you can expect from RGA: 
<ul>
<li>Gain valuable knowledge from and experience with diverse, caring colleagues around the world.</li>
<li>Enjoy a respectful, welcoming environment that fosters individuality and encourages pioneering thought.</li>
<li>Join the bright and creative minds of RGA, and experience vast, endless career potential.</li>
</ul>

Chief Manager, Global Underwriting Philosophy Design

Fintelligent

Head of Underwriting London Competitive Salary + Opportunity for LTIP / Director Available.Our client is a bridging & development finance lender based in the heart of London. With a growing loan book and ambitions to scale further, they are now seeking an experienced Head of Underwriting to lead their underwriting division and play a pivotal role in the next stage of the company's growth.As Head of Underwriting, you'll be responsible for overseeing the entire underwriting function, ensuring deals are assessed efficiently, consistently, and within the company's risk appetite. This is a hands-on role with strategic input perfect for someone who thrives in a dynamic, entrepreneurial environment.Experience & Requirements<ul> <li>A breadth of knowledge and experience within bridging / development finance underwriting, with at least 2 years in a senior or leadership role</li><li>Strong knowledge of the UK property market, lending structures, and risk management</li><li>An understanding of conveyancing law & the ability to understand planning & financial statements</li><li>Excellent communication and decision-making skills and the ability to plan and set appropriate performance measurements</li><li>A proactive leader with the ability to manage multiple cases and priorities</li><li>Comfortable working in a boutique or SME environment with a hands-on approach</li><li>Strong commercial awareness and sound judgement</li></ul> Key Responsibilities<ul> <li>Lead, mentor, and develop a team of underwriters, ensuring high performance and adherence to lending policies</li><li>Assess complex bridging and development loan applications</li><li>Maintain and improve underwriting processes and procedures in line with industry best practices</li><li>Act as the final sign-off for high-value or complex deals</li><li>Work closely with senior leadership team to align underwriting strategy with business objectives</li><li>Ensure all loans are underwritten in compliance with regulatory and internal credit risk guidelines</li><li>Liaise with key stakeholders including brokers, valuers, solicitors, and internal teams</li><li>Oversee credit paper preparation and present at credit committees when necessary</li><li>Monitor market trends and competitor activity to inform underwriting and risk strategies</li></ul> Why Join?<ul> <li>Opportunity to shape and lead the credit function of a growing lender</li><li>Work directly with senior leadership team and influence business strategy</li><li>A supportive and entrepreneurial working environment</li><li>A unique opportunity to work towards a senior leadership position gaining equity in the future.</li></ul> To express an interest in this opportunity please contact Charlotte Walker at Fintelligent today, or share your CV for immediate consideration.

Head of Underwriting

Santander Holdings USA Inc

USA Underwriting & Portfolio Management IC6-3Country: United States of AmericaYour Journey Starts Here:Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!The Difference You Make: The main function of the CIB Underwriting & Portfolio Management - IC6 is to assist the Underwriter(s) in analyzing, processing and packaging commercial loans. <ul><li>Collects, packages, reviews and reconciles loan application documents including financial/credit exhibits under various underwriting programs.</li><li>Orders and performs the preliminary review of all third party reports (appraisal, inspection and environmental) for compliance with guidelines.</li><li>Analyzes, interprets and underwrites complex transactions in compliance with respective agency guidelines.</li><li>Conducts detailed economic and demographic research to determine feasibility of transactions.</li><li>Assists the underwriter in preparing and presenting comprehensive loan approval package to credit committee.</li><li>Conducts inspections of physical assets.</li></ul> What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.<ul><li>Bachelor's Degree or equivalent work experience: Finance, Accounting, Management, Economics or equivalent field. - Required.</li></ul><ul><li>3+ Years Related experience and/or training. - Required.</li></ul><ul><li>Excellent written and verbal communication skills.</li><li>Strong analytical skills and proficient with financial statements.</li><li>Ability to work in a fast paced environment with little supervision.</li><li>Ability to work well with others and on teams.</li><li>Demonstrated proficiency in Microsoft Office, including Word, Excel and PowerPoint.</li><li>Demonstrates strong judgment and sound credit skills.</li><li>Knowledge of Federal banking regulations.</li></ul> Certifications:<ul><li>No Certifications listed for this job.</li></ul> It Would Be Nice For You To Have:<ul><li>Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.</li><li>Experience in Microsoft Office products.</li></ul> What Else You Need To Know :The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Base Pay Range Minimum: $82,500.00 USD Maximum: $135,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions : Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required . Employer Rights:This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next :If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at to discuss your needs. Primary Location: New York, NY, Madison Ave Corp Other Locations: New York-New York Organization: Banco Santander S.A.

USA Underwriting & Portfolio Management IC6-3

Osaic

<div>Underwriting Opportunity in Insurance Industry
AVP, Associate Chief Underwriter, Highland Capital Brokerage 
Location(s): All Locations/Remote
Role Type: Full time
Salary: $120,000 - $150,000 per year + Sales Incentive Compensation
Actual compensation offered will be determined individually, based on a number of job-related factors, including location, skills, licensure, experience, and education.
Our competitive compensation is just one component of Osaic&rsquo;s total compensation package. Additional benefits include health, vision, dental insurance, 401k, paid time away, volunteer days and much more. To view more details of what you can look forward to, visit our careers page: https://careers.osaic.com/Creative/Benefits.
Summary:
Responsible for providing high level life insurance and long-term care underwriting expertise during the pre-sales and new business process. The candidate will provide directions on ordering medical records, assist with carrier selection, summarize medical records, create cover letters, evaluate carrier offers, negotiate offers with the carriers, and provide informal underwriting opinions to SVPs, marketing staff, and brokers. The candidate will also mentor less experienced personnel. Position requires high-level understanding of the life insurance process, medical, non-medical and financial risk selection, and reinsurance expertise.
Education Requirements:
<ul><li>Bachelor&rsquo;s degree preferred. Minimum of Associate&rsquo;s degree or equivalent is required. High school diploma (or equivalent) in combination with significant practical experience will be considered in lieu of degree.</li><li>
Life &amp; Health Insurance License
</li></ul>Responsibilities:
<ul><li>Underwriting Direction:<ul><li>
Review applications, examinations, and medical records as requested by the case manager to ensure all appropriate medical records have been ordered.</li><li>
Review medical records as needed to identify any potential underwriting issues and offer an opinion on the underwriting outcome.</li><li>
Summarize complex medical history for submission to carriers.</li><li>
Thorough understanding of Jumbo case &amp; facultative reinsurance underwriting</li><li>
Evaluate underwriting evidence and provide guidance on cases approved.</li><li>
Assist with and create cover letters.</li><li>
Assist in maintaining underwriting data and underwriting resources.</li><li>
Develop training and mentorship for underwriting associates and case managers.</li><li>
Partner with sales as key customer connection into HCB.</li><li>
Market your value to VIP customers as appropriate to strengthen key customer relationships.</li><li>
Meet with customers on field visits to promote HCB underwriting value as a differentiator.</li><li>
Review email, phone or web submitted inquiries from brokers and provide underwriting guidance.</li></ul></li></ul><ul><li>
Monitoring and Communication:<ul><li>
Maintain correspondence with carriers and brokers by telephone, fax, letter or email.</li><li>
Notify broker, Sales Vice President, and case manager of underwriting opinion.</li><li>
Utilize data management systems per Highland Capital protocols to ensure accurate reporting.</li><li>
Work with internal sales resources as needed so as to properly position cases.</li><li>
Negotiate carrier offers where appropriate to ensure that optimal underwriting class is being received.</li></ul></li></ul>
Basic Requirements:
<ul><li>Minimum of 15 years Life Underwriting experience.</li><li>
Prior Life Insurance Brokerage or Life Insurance Company experience.</li><li>
Possess a well-versed knowledge of medical terminology, medicine, medical science and symptomology, non-medical and financial risk selection methodologies, MIB, legal and regulatory limitations, contractual provisions, products, morbidity and mortality, underwriting guidelines, manuals, and operating systems.</li><li>
Strong critical thinking and decision-making skills; attention to detail with the ability to quickly identify information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances of events.</li><li>
Excellent communication (verbal and written), team building, strong interpersonal and customer engagement, and negotiation skills.</li><li>
Identifies and directs the implementation of process improvements that significantly improve quality across the team, department and/or business unit for their assigned area(s) of responsibility.</li><li>
Maintains knowledge on current and emerging developments/industry trends. Collaborates with UW leadership to evaluate new trends and developments for possible current and future solutions.</li><li>
Mentors underwriting team members and serves as a subject matter expert in one or more financial and/or medical topics related to underwriting and risk assessment; conducts trainings and/or prepares written documentation in field of expertise.</li><li>
Negotiates sensitive, high-impact underwriting decisions with key distribution partners.</li><li>
High degree of confidentiality.</li></ul>
Preferred Requirements:
<ul><li>Industry designations (i.e. FLMI, ALU, CLU, ChFC, CFP, etc.) are a plus</li><li>
Licenses or certifications</li></ul>
Equal Opportunity Employer

Osaic is an equal opportunity employer. We celebrate diversity in our workplace and we hire the most qualified candidates without regard for age, ethnicity, gender, gender identity or expression, language differences, nationality or national origin, family or marital status, physical, mental, and developmental abilities (or the perception of a disability), genetic information, race, religion or belief, sexual orientation, skin color, social or economic class, education, work and behavioral styles, political affiliation, military service, caste, or any other characteristic protected by law.

Eligibility

Applicants for employment in the US must have valid work authorization that does not now and/or will not in the future require sponsorship of a visa for employment authorization in the US by Osaic.

Unqualified Applications

Osaic does not consider applications from candidates who do not meet the minimum qualifications stated in the job posting.

Recruiting Agencies

Osaic only accepts candidates from contracted recruiting firms and only for searches approved prior to submissions. Fees will not be paid for unsolicited submissions.</div>

AVP, Associate Chief Underwriter

Montpellier Resourcing

Up to £80,000 plus excellent bonus and benefitsPlease note this role is 5 days in the office. A leading, independent provider of commercial real estate, bridging finance, and buy-to-let mortgages is seeking a proactive and driven Relationship Manager to join their growing Commercial Real Estate team. The company specialises in offering tailored financial solutions to commercial real estate professionals, investors, and intermediaries. In this role, you will serve as the primary contact for a portfolio of commercial clients, driving engagement, retention, and new lending opportunities. You will work with loan management, underwriting, and business development teams to deliver an excellent client experience and ensure a smooth commercial property loan lifecycle.Duties of the Commercial Real Estate Relationship Manager to include:<ul><li>Client Relationship Management: Act as the lead point of contact for clients with commercial property portfolios, introducing them to the full scope of support available. Ensure high levels of service to secure repeat business and referrals.</li><li>Identifying & Growing Lending Opportunities: Re-engage previous commercial clients to explore future funding needs, identify opportunities for refinancing or expansion within their commercial property portfolios, and transition clients between products to maximise value.</li><li>Internal Collaboration: Liaise with all internal departments, including Loan Management, Legal, and Underwriting, to develop and execute relationship strategies for commercial clients. Support the Business Development team as needed.</li><li>Client Experience & Continuous Improvement: Support commercial property loan cases through the underwriting process, manage client feedback to recommend service improvements, and resolve client issues professionally. Stay informed on market trends and competitor activity.</li></ul>Requirements for the successful Commercial Real Estate Relationship Manager:<ul><li>Proven experience in relationship management within commercial real estate lending is essential</li><li>Strong understanding of commercial loan structures, products, and the UK property finance market.</li><li>Excellent interpersonal and communication skills.</li><li>Ability to manage multiple priorities and build long-term client relationships.</li><li>Knowledge of underwriting and loan servicing processes for commercial property.</li><li>Existing network of commercial property professionals or intermediaries.</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.

Commercial Real Estate Relationship Manager

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

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