104 Underwriter jobs in London

Portfolio Underwriter

We are looking for someone to join the team in a supporting capacity, providing essential administrative and analytical assistance to the underwriting function.

This role is ideal for someone highly organised, detail-focused, and confident in working with data, particularly in Microsoft Excel, which will be used extensively on a daily basis.

Please note this position requires 4 days a week in the office .

About the Insurer

You'll be joining a dynamic specialty (re)insurance group known for its innovative approach to underwriting and strong reputation in the London Market. The business works closely with brokers and clients across international markets, offering tailored solutions and underwriting expertise across a diverse portfolio.

Key Responsibilities

• Support the administration of underwriting activities, including maintaining accurate data, records, and documentation.

• Assist with the preparation, review, and analysis of submissions.

• Ensure accuracy and integrity of underwriting data across internal systems.

• Work closely with brokers, clients, and colleagues to provide timely administrative support.

• Monitor market developments and maintain up-to-date knowledge relevant to the team's work.

• Provide support with reporting and data analysis in Excel.

What we're looking for

• Strong administration skills with attention to detail.

• High proficiency in Excel (including data analysis, reporting, and managing large datasets).

• Good organisational and communication skills.

• Previous experience in an office, insurance, or financial services environment is advantageous but not essential.

This is a great opportunity for someone who is currenlty an Assistant Underwriter looking to build experience within the insurance sector in a role that combines administration, data handling, and team support.

Job Title: Motor Trade Underwriter

Location: Maidstone or Croydon

Job Type: Full-Time

Salary: £40,000

Job Purpose:

To assess, price, and underwrite motor trade insurance policies in line with company guidelines and risk appetite, ensuring profitability and compliance with regulatory standards.

Key Responsibilities:

• Evaluate new and renewal motor trade insurance applications.
• Analyse risk information and determine appropriate terms, premiums, and coverage.
• Build and maintain strong broker and client relationships.
• Monitor the performance of your portfolio to ensure profitability.
• Ensure underwriting decisions comply with regulatory and company standards.
• Support the development of underwriting guidelines and product improvements.
• Assist with training and mentoring junior underwriters, if required.

Key Skills & Experience:

• Previous experience in motor trade or commercial motor insurance underwriting.
• Strong understanding of motor trade risks (e.g., road risk, combined policies).
• Good analytical and decision-making skills.
• Excellent communication and negotiation abilities.
• IT proficient, with experience using underwriting platforms and Microsoft Office.

Underwriter - Bridging

London

The Underwriter is responsible for underwriting bridging finance applications where the company has issued initial terms. The Underwriter must work together with the other members of the Underwriting team to ensure that loans are processed in accordance with the company's underwriting manual and lending policy.

The Underwriter must use their skill and experience to approve those loans which are deemed acceptable and reject any which do not meet the criteria or where the Underwriter does not believe the borrower will be able to repay.

Key Responsibilities:

• Manage a pipeline of bridging cases and prioritise accordingly
• Underwrite bridging loan applications within company lending criteria by making quality lending decisions
• Be vigilant when working on cases and refer where necessary to the appropriate person
• Maintain a high level of communication at all times with interested parties including brokers, applicants, surveyors and solicitors
• Maintain a high level of customer service with those internally and externally
• Work closely with other departments within the company including sales, compliance, finance and collections
• Think outside the box and be proactive when suggesting ways to overcome potential problems, whilst ensuring that there is no additional risk to the company
• Maintain oversight of a loan post completion and follow up on any offer conditions prior to handing the loan to collections
• Keep up to date with current best practice and regulatory requirements
• Keep all records up to date
• Represent the company at events as required
• Attend broker training sessions
• Proactively suggest improvements to processes

Key Competencies:

• Experience of underwriting bridging finance loans including FCA regulated loans
• To have ideally held a bridging underwriting mandate for a minimum of 2 years
• Experience of loans for renovation released in drawdowns preferred but not essential
• Excellent understanding of compliance aspects of the role including the regulatory environment and Consumer Duty principles
• Ability to adopt a pragmatic approach to underwriting
• Commercially aware
• Excellent interpersonal and communication skills
• Excellent organisational and prioritisation skills
• Excellent attention to detail
• Ability to work to tight time-frames
• Proactive and a strong team player

• Analyze and underwrite complex insurance proposals, including property, casualty, and specialty lines, evaluating potential risks and exposures.
• Determine appropriate policy terms, conditions, pricing, and limits based on thorough risk assessment and market analysis.
• Develop and maintain strong relationships with brokers, agents, and clients, providing expert advice and support.
• Collaborate with claims departments to understand loss trends and their impact on underwriting practices.
• Stay abreast of industry developments, regulatory changes, and emerging risks to inform underwriting decisions.
• Contribute to the development and implementation of underwriting guidelines and best practices.
• Mentor and guide junior underwriters, fostering a culture of continuous learning and professional development.
• Prepare detailed reports and presentations on underwriting performance and market insights.
• Ensure all underwriting activities adhere to legal and ethical standards.

• A minimum of 5 years of progressive experience in insurance underwriting, with a proven track record in risk assessment and pricing.
• Strong understanding of insurance principles, products, and market dynamics across multiple lines of business.
• Excellent analytical, problem-solving, and decision-making skills.
• Proficiency in underwriting software and data analysis tools.
• Exceptional communication, negotiation, and interpersonal skills, with the ability to build rapport with diverse stakeholders.
• Relevant professional qualifications (e.g., ACII, CIP) are highly desirable.
• Bachelor's degree in Finance, Business, Risk Management, or a related field.

BTL Underwriter
Our London client in the Banking sector is seeking a BTL Underwriter to join the team as soon as possible on 12 month FTC basis with a salary of 48,000 on offer. This role comes with a great perks package including generous holiday.

What does the role entail?
Working as a BTL Underwriter your main job role will be the underwriting of credit proposals, primarily of Buy to Let. You will Manage the review, assessment, investigation, and minimising of credit risks associated with loan applications in accordance with the Banks operating policies and procedures. You will also ensure the credit decisions are made within regulatory standards, credit policy and adhere to TCF principles and Customer First principles.

What skills will you have?
The ideal candidate for BTL Underwriter position will have good communication skills, both verbal and written, knowledge of Microsoft Office products, knowledge of UK regulatory framework, principles, and rules, knowledge of UK lending environment as well as having relevant experience in underwriting or assessing credit proposals in BTL.

What is on offer?
This 12 month FTC position as a BTL Underwriter, is the opportunity to join a supportive but hardworking team. The salary on offer is 48,000 per annum. A great incentive package is also available.

How to apply?
To be considered for this BTL Underwriter position please click apply now.

Experienced Regulated Bridging Underwriter

London City, Fully Office-Based

Working for a specialist Lender 

Comprehensive salary and benefits package , including health insurance and retirement savings plan.

Opportunities for career advancement and professional growth within a dynamic and supportive work environment.

Access to ongoing training and development programs to enhance skills and knowledge.

About Us :

A leading property finance lender, specializing in bridging loans and auction finance. Proud to assist numerous property professionals, business owners, and individuals with their finance requirements. Reputation in the market excels for delivering fit-for-purpose short-term loans at speed, and our approach to lending is consistently recognized within the financial services industry.

About the role :

As a Regulated Bridging Underwriter with our company, you will play a pivotal role in evaluating and determining the feasibility of loan applications.

• Underwriting and assessing loan documentation, including valuation reports, to ensure accuracy and compliance with lending policies and regulations.
li>Conducting comprehensive checks on applicants and properties to assess their suitability for the applied loan, identifying any concerns or discrepancies.
• Proactively communicating with brokers and other stakeholders to obtain additional information as needed and provide timely updates on application status.
• Collaborating with introducers, valuers, and solicitors to facilitate the smooth progression of loan applications and address any issues or inquiries.
• Providing support and guidance to colleagues on matters related to underwriting and mortgage completion, fostering a collaborative and knowledge-sharing environment.
• Managing decisions on inquiries and new applications within agreed-upon time frames, prioritizing responsiveness and customer satisfaction.
• Contributing to the continual improvement of the company's lending proposition by identifying opportunities for enhancement and implementing innovative solutions

If you are a motivated and detail-oriented professional with a passion for delivering exceptional service and driving positive outcomes, we invite you to apply for the Bridging Underwriter position.

We are seeking a detail-oriented and commercially minded Commercial Underwriter to join our growing Buy-to-Let team. In this role, you will be responsible for assessing, underwriting, and making credit decisions on a range of BTL mortgage applications, including individual and portfolio landlords. This is a critical role within our lending operation, ensuring each deal aligns with our credit risk appetite and regulatory standards.

Key Responsibilities

• Assess and underwrite Buy-to-Let mortgage applications in line with company credit policy and risk appetite.

• Evaluate borrower creditworthiness, rental income sufficiency, and overall deal viability.

• Review property valuations and ensure properties meet lending criteria (e.g., condition, location, type, tenant profile).

• Apply appropriate stress testing and affordability checks in line with PRA and internal guidelines.

• Identify and investigate potential risks, fraud indicators, or policy exceptions.

• Work closely with brokers, BDMs (Business Development Managers), surveyors, solicitors, and internal teams to progress applications efficiently.

• Maintain accurate records and ensure all decisions are clearly documented.

• Escalate cases exceeding individual mandate or involving complex risk to the Credit Committee.

• Keep up to date with changes in lending policy, regulation, and the BTL market landscape.

Skills & Experience

• Proven experience in mortgage underwriting, ideally within the BTL or commercial property sector.

• Strong understanding of credit risk, income assessment (including rental income), and property valuations.

• Familiarity with PRA rules for BTL lending and portfolio landlord assessments.

• Ability to work independently and make sound credit decisions within mandate.

• Excellent analytical, organisational, and communication skills.

• Strong attention to detail and a methodical approach to work.

Preferred Qualifications

• CeMAP or equivalent industry qualification (preferred but not essential).

• Prior experience underwriting complex or portfolio BTL applications.

What We Offer

• Competitive salary & discretionary bonus

• Pension & benefits package

• Career development support and training

• Collaborative and supportive team environment

Job Title: BTL Underwriter

Location:  London - Fully Office based -London Central
Type:  Full-Time
Salary:  Competitive depending on Experience

About the Role:

We are seeking a highly motivated and detail-oriented BTL (Buy-to-Let) Underwriter to join our dynamic team. The successful candidate will play a crucial role in assessing BTL mortgage applications, ensuring that risks are accurately evaluated, and decisions are made in accordance with our company policies and regulatory requirements.

Key Responsibilities:

• Application Analysis:  Review and analyze various documents and data received from intermediaries to determine applicant eligibility for the BTL product.
li>Risk Assessment:  Accurately assess the risks associated with each BTL application, liaising with brokers and valuers to ensure a comprehensive understanding. li>Policy Management:  Maintain detailed and accurate records of underwritten policies, ensuring all documentation is compliant with regulatory standards. li>Communication:  Collaborate effectively with brokers, valuers, and other stakeholders to facilitate accurate risk assessments and maintain strong working relationships. li>Decision Making:  Use your initiative to determine the wording of Special Conditions in offers and release the final Mortgage Offer to approved applicants. li>Compliance:  Adhere strictly to compliance and internal procedures, ensuring all underwriting decisions align with company policies. li>Team Collaboration:  Work independently when necessary but also contribute as a vital member of the team to achieve departmental goals. li>SLA Maintenance:  Ensure all service level agreements (SLAs) are met, delivering timely and accurate underwriting decisions.

Key Skills and Experience:

li>Strong ability to use initiative, working independently and as part of a team.
• Excellent communication skills, both written and verbal.
• Proven experience in building and maintaining good working relationships with brokers and other parties.
• Solid understanding of BTL mortgage products, underwriting processes, and risk assessment. 
li>Attention to detail and the ability to maintain accurate records and documentation.

Why Join Us?

We offer a collaborative and supportive work environment where your contributions are valued. We provide opportunities for professional growth and development, as well as competitive compensation and benefits.

Send CV now for immediate consideration.