senior underwriter

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

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

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

MetLife Services and Solutions, LLC

Key Responsibilities <ul> <li>Assessing Life, Accident, and Health risks, determining applicable terms and conditions, and ensuring accurate risk assessment.</li> <li>Analyzing risk exposures, reviewing insurance and risk management requests, and ensuring that all required documentation is aligned with the risk being evaluated.</li> <li>Evaluating and recommending the necessity of additional medical records, special examinations, and reports for comprehensive risk evaluation.</li> <li>Reviewing medical case histories, laboratory data, and other relevant documentation, ensuring accuracy and completeness.</li> <li>Presenting files for review by higher authorities when necessary, maintaining a high level of diligence.</li> <li>Communicating effectively with applicants, agents, and healthcare providers to clarify underwriting decisions and requirements.</li> <li>Managing complex underwriting calls and informing agents of decisions, requirements, delays, or procedures in a timely manner.</li> <li>Adhering to all compliance requirements, including the reporting of suspicious transactions, screening procedures, and maintaining records as required by regulations.</li> <li>Understanding and implementing auto underwriting systems, rules, and participating in product testing and design when required.</li> <li>Frameworks, Boundaries, &amp; Decision-Making Authority</li> <li>Ensuring all underwriting activities comply with established regulations, guidelines, and procedures.</li> <li>Conducting thorough risk assessments based on medical and financial guidelines.</li> <li>Leveraging a deep knowledge of MetLife's products and relevant underwriting systems.</li> <li>Staying informed of any legislative or regulatory changes that may affect underwriting processes.</li> <li>Making decisions that align with MetLife s philosophy and underwriting manual.</li> </ul> Requirements <ul> <li>Extensive experience in Medical Underwriting, with a strong understanding of human diseases (e.g., Physiology, Microbiology, Pharmacology) and at least 10+ years of experience in underwriting.</li> <li>Bachelors degree in a medicine (Pharmacy, dentistry, physical therapy, etc.)</li> <li>Strong verbal and written communication skills.</li> <li>Experience in Life, Accident, and Health underwriting, with preference for candidates with medical underwriting experience.</li> <li>Proficient knowledge of medical terminology, human anatomy, medical tests, procedures, and health conditions.</li> <li>Expertise in risk profiling and the ability to make sound medical and financial underwriting decisions.</li> <li>Experience in management of auto-underwriting systems.</li> <li>Relevant tertiary or professional qualifications are highly desirable.</li> <li>Strong attention to detail, organizational skills, and logical thinking.</li> <li>LOMA/ALU courses are preferred.</li> </ul>

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

Braxtone Group

<figure class="table"><table><tbody><tr><td>&nbsp;The Senior Underwriter/data analyst&nbsp;plays a crucial role in supporting overall performance, efficiency, analyzing data results, evaluate and underwrite insurance risks in accordance with company policies and profitability targets while leveraging data analytics to monitor portfolio performance, detect trends, and support strategic decision-making. This position bridges technical underwriting with data-driven insight, ensuring sound risk selection, loss ratio improvement, and operational efficiency.&nbsp;</td></tr><tr><td>&nbsp;DUTIES AND RESPONSIBILITIES:&nbsp;&nbsp;<ul><li>A. Underwriting &amp; Risk Evaluation</li><li>Assess and underwrite individual and fleet policies in line with Braxtone and insurer guidelines.</li><li>Analyze policy applications, vehicle data, and client profiles to determine appropriate pricing and coverage terms.</li><li>Ensure underwriting decisions maintain compliance with company risk appetite and reinsurance requirements.</li><li>Review loss experience, claims frequency, and trends to adjust underwriting criteria or premiums.</li><li>Collaborate with brokers and insurance partners to clarify underwriting conditions or exclusions.</li><li>Recommend risk mitigation actions and re-underwriting for loss-making portfolios.</li><li>B. Data Analysis &amp; Reporting</li><li>Collect, clean, and analyze data from claims, underwriting, and operations systems.</li><li>Identify patterns affecting loss ratio, frequency of service, and claim cost by segment or partner.</li><li>Develop dashboards and reports showing key performance indicators (KPI), including:</li><li>Loss ratio by product and insurer</li><li>Average cost per service or claim</li><li>Policy utilization rates</li><li>Portfolio growth by partner</li><li>Support management in quarterly portfolio reviews and pricing model adjustments.</li><li>Monitor Minimum Deposit (M&amp;D) commitments and insurer performance against service volume targets.</li><li>C. Process Optimization</li><li>Recommend automation and workflow improvements for underwriting and data tracking.</li><li>Work with IT to improve data integration between CRM, claims, and finance systems.</li><li>Establish quality checks for data accuracy and consistency across departments.</li><li>D. Compliance &amp; Governance</li><li>Ensure adherence to underwriting authorities, company policies, and local regulatory standards.</li><li>Maintain confidentiality of partner and client data.</li><li>Prepare audit-ready documentation for internal and external reviews.</li></ul>Key Performance Indicators (KPIs)<ul><li>Portfolio Loss Ratio maintained below agreed benchmark.</li><li>Accuracy of underwriting decisions (error rate &lt; 2%).</li><li>Timely delivery of monthly underwriting and performance reports.</li><li>Reduction in data discrepancies and reporting delays.</li><li>Improvement in underwriting profitability through data insights.</li></ul>&nbsp;</td></tr><tr><td>Educational, Skills, and Experience:&nbsp;<ol><li>Bachelor’s degree, in Actuarial studies,&nbsp;Business Administration, Statistics.</li><li>5–8 years’ experience in underwriting (motor or general lines) with strong analytical exposure.</li><li>Experience in insurance data analysis, pricing, or business intelligence.</li><li>Excellent knowledge of insurance principles, risk assessment, and policy structures.</li></ol>&nbsp;Technical Skills:&nbsp;<ol><li>Advanced Excel, Power BI, or Tableau for data visualization.</li><li>Strong command of SQL or similar tools for data extraction (preferred).</li><li>Familiarity with CRM and insurance management systems.</li><li>Excellent reporting, presentation, and documentation skills.</li></ol>&nbsp;Personal Competencies&nbsp;<ol><li>Analytical thinker with high attention to detail.</li><li>Strong communication and negotiation skills.</li><li>Ability to balance commercial awareness with risk control.</li><li>Organized, proactive, and capable of working under pressure.</li><li>Collaborative and able to work cross-functionally with Operations, Finance, and IT.</li></ol>&nbsp;</td></tr></tbody></table></figure>

Senior Underwriter/ Data Analyst ( Bahrain Based)

Tony Alan Recruitment

Senior Credit UnderwriterPermanentBased in NW6, London (office based)Up to £65,000 - £80,000 per annum plus other benefits and bonus Tony Alan Recruitment currently has an exciting job opportunity for a Senior Credit Underwriter to join an established business who are consistently growing based in the North West London area on a permanent basis.This role will be an integral part of the credit underwriting team where you will be joining a growing team with an entrepreneurial, commercial mindset and make-work attitude. You will predominantly cover the unsecured and secured business loan offerings with exposure to the asset finance and property development products.Your duties will include:<ul><li>Assess and analyse credit loan applications for serviceability and affordability in line with the credit underwriting policy</li><li>Conduct second reviews of credit recommendations as part of the four-eye underwriting process</li><li>Accurately report findings from investigations into non-performing loans, providing feedback to the team and senior management</li><li>Play an active role in monthly credit committee meetings, articulating credit views to the wider business and executive committee</li><li>Contribute to process improvements, ensuring continuous evolution through the adoption of advanced technological solutions</li><li>Support day-to-day operations to maintain service level agreements (SLAs)</li></ul>Key requirements:<ul><li>4 years SME lending experience with previous signing mandate required</li><li>Self-motivated, able to work under pressure and driven to succeed</li><li>Strong communication skills both written and oral</li><li>Ability to analyse and dissect information and present results in a logical and understandable format for all stakeholders across the business</li></ul>If you feel that you would be suitable for this position then please apply with your CV.REFER A FRIEND SCHEME: If you refer a candidate to us and they are placed you will be eligible for a cash reward!Due to the high number of CV's we receive we are unable to respond to all applications therefore if you have not heard from us within 10 days please assume you are unsuccessful in this instance.

Senior Credit Underwriter (office based role)

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