Junior Underwriter - FTC

Key Responsibilities

• Applying underwriting terms within an individual authority limit to customers during the first point of contact, completing the referral over the phone via scheduler with the customer directly. Where first contact is not made ensuring you take responsibility for contacting all customers back with terms or providing a response to their query in line with expectations.
• Understanding business and customer requirements, manually applying terms/adjusting premiums/applying excesses within authority limit and communicating the proposed policy adjustments directly to the customer in a timely manner, ensuring the customer fully understands the terms of the policy and the rationale for these adjustments.
• Ensuring case underwritten policies are dealt with quickly, effectively and within delegated authority to deliver a loss ratio in line with business targets.
• Underwriting customer‑generated underwriting authority referrals within required SLA.
• Underwriting renewal invite case referrals within required SLA.
• Ensuring all underwriting cases are written in line with our risk appetite statement.
• Providing feedback and underwriting support to Assistant Underwriters.
• Providing feedback and advice on underwriting queries to the contact centre.
• Providing underwriting support to the claims team.
• Assisting the Lead Underwriter and Head of Technical Pricing with any other ad‑hoc underwriting needs as they arise.

• A strong understanding of insurance principles and risk assessment.
• Excellent analytical and problem‑solving skills.
• Attention to detail and a commitment to accuracy.
• Strong communication and interpersonal skills.
• Ability to work independently and as part of a team.
• A proactive and results‑oriented approach to work.
• Experience in the insurance industry is a plus, but not required.
• A willingness to learn and develop new skills.

We invest in your development through structured learning, mentoring, buddying, on‑the‑job experience and cross‑functional projects. We support role‑relevant professional qualifications where they make the biggest difference, and our Lunch and Learn sessions keep you connected to what’s happening across the business.

Your wellbeing matters here. We offer private healthcare through BUPA, an Employee Assistance Programme covering legal, financial and counselling support, a Wellbeing Centre with online tools and resources, regular wellbeing seminars and workshops, annual flu jabs and an annual eye care voucher.

We offer an annual discretionary bonus scheme up to 30% of your base pay, life insurance at four times your salary, and a pension with Aegon. You’ll also receive a significant discount on Homeprotect home insurance, a friends and family discount, and a staff referral bonus when someone you recommend joins the team.

25 days’ annual leave plus bank holidays, with the option to buy or sell up to five additional days each year.

We trust our people to work in a way that best suits them, with flexible working to balance the needs of your role with the rhythm of your life. We ask that everyone comes into the office at least once a week, as we believe in‑person connection is important for collaboration, culture and building great relationships. You’ll receive a homeworking starter kit from day one and can claim towards additional home office equipment within your first six months.

We care about more than just the work. Through our charity partnership with Refuge, the UK’s largest specialist domestic abuse charity, and regular social, wellbeing and charitable events throughout the year, there are plenty of ways to connect, give back and feel part of something bigger.

We’re proud to be an equal‑opportunity employer and actively encourage applications from all backgrounds. We consider visa sponsorship on a case‑by‑case basis for the right candidate, so please don’t let that stop you from applying.

As an FCA regulated insurer, doing the right thing isn’t a compliance requirement – it’s simply how we work. All colleagues are expected to uphold the FCA Individual Conduct Rules (1‑6) and act with integrity, due skill and care, openness with regulators and a genuine commitment to delivering good outcomes for our customers. You’ll work within approved processes and authority limits, keep accurate and auditable records, protect data under UK GDPR and our information security policies, escalate risks and exceptions promptly, report incidents, breaches and any financial crime or sanctions concerns (including via whistleblowing), support vulnerable customers with reasonable adjustments, and complete all mandatory training to maintain competence.

If the role falls within SM&CR, a supplementary document outlining the key regulatory responsibilities will be provided.