Lenders Insurance Advisory - Senior Associate

Introduction

At Gallagher, we help clients face risk with confidence because we believe that when businesses are protected, they’re free to grow, lead, and innovate. You’ll be backed by our digital ecosystem: a client‑centric suite of consulting tools making it easier for you to meet your clients where they want to be met. Advanced data and analytics providing a comprehensive overview of the risk landscape is at your fingertips.

Here, you’re not just improving clients’ risk profiles, you’re building trust. You’ll find a culture grounded in teamwork, guided by integrity, and fueled by a shared commitment to do the right thing. We value curiosity, celebrate new ideas, and empower you to take ownership of your career while making a meaningful impact for the businesses we serve.

If you’re ready to bring your unique perspective to a place where your work truly matters; think of Gallagher.

The Gallagher Lenders Insurance Advisory team work closely with a wide variety of banks and financial institutions, offering insurance consultancy services to ensure that clients’ needs are met, when financing large scale acquisitions and projects.

The Insurance Advice and Audit Analyst/Specialist will be responsible for providing expert insurance advice, conducting thorough audits, and reviewing facility agreements for commercial real estate lenders. This role requires a deep understanding of insurance policies, risk assessment, compliance regulations, and facility agreement requirements within the commercial real estate industry. The analyst/specialist will work closely with lenders to ensure appropriate insurance coverage, mitigate risks, maintain compliance, and provide ongoing technical insurance advice.

They will also review and provide feedback on facility agreement content, formulate requirements lists, liaise with brokers, review policies, identify shortfalls, negotiate endorsements, and provide compliance documentation. This role would be ideal for someone who has due diligence experience or someone who has construction or property insurance experience looking to go into a more consultative position.

• Provide expert insurance advice to commercial real estate lenders regarding insurance policies, coverage options, and risk management strategies.
• Conduct comprehensive audits of insurance policies to ensure compliance with lender requirements and industry regulations.
• Collaborate with lenders to assess insurance needs for commercial real estate projects, considering factors such as property type, location, and potential risks.
• Review and analyse insurance documentation, including policies, endorsements, and certificates of insurance, to identify any gaps or deficiencies.
• Advise lenders on appropriate insurance coverage limits, deductibles, and endorsements based on project‑specific requirements and risk assessments.
• Stay updated on industry trends, regulatory changes, and emerging risks in the commercial real estate insurance sector.
• Develop and maintain strong relationships with lenders, insurance brokers and other lender employed teams such as legal and risk management.
• Prepare and present reports on insurance audits, risk assessments, and compliance findings to senior management and lenders.

• Experience in insurance within the commercial real estate area.
• In‑depth knowledge of insurance policies, coverage options, and risk management strategies specific to commercial real estate lending.
• Understanding of industry regulations, compliance requirements, and best practices.
• Excellent analytical skills with the ability to assess complex insurance documentation and identify potential risks or gaps in coverage.
• Exceptional communication and interpersonal skills to effectively collaborate with lenders, insurance providers, and internal stakeholders.
• Detail‑oriented with strong organisational skills to manage multiple audits and projects simultaneously.
• Proficient in using insurance software and tools for policy analysis and risk assessment.
• Ability to work independently and make sound decisions while adhering to company policies and procedures.

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