Medical Underwriter

Bradley David Associates is working with a leading financial services business on the search for an experienced
Medical Underwriter
to join their centralised
Underwriting Research, Development and Standards (RDS) team
. You will work within the Underwriting Standards department.

As part of this specialist group, you will contribute to shaping and maintaining underwriting philosophies, processes, and standards that support consistent, high-quality decision-making across our Insurance Division.

In this role, you\’ll balance case underwriting and audit responsibilities with developing and enhancing underwriting practices. You will also act as a trusted expert, providing case support and technical guidance to operational teams.

• Salary: £45,000 – £58,000 dependent on experience
• Bonus: 10-15%
• Holiday: 30 days + BH + buy and sell days per year
• Hybrid options available
• Tonnes of benefits and perks

Key Responsibilities

• Deliver fair, consistent underwriting decisions within your authority, assessing applications, medical evidence, and team referrals.
• Contribute to the design, review, and enhancement of underwriting philosophies, processes, and controls, ensuring compliance with company and industry standards.
• Lead and deliver allocated projects (small to medium scale), leveraging team expertise to drive outcomes.
• Provide training and coaching to underwriting and operational teams, identifying skill gaps and ensuring knowledge transfer.
• Support less experienced underwriters through guidance, second opinions, and case coaching, particularly on complex cases.
• Conduct quality reviews of underwriting decisions, ensuring alignment with standards and providing constructive feedback.
• Identify, escalate, and help manage risks in line with company policy.
• Maintain strong working relationships with internal stakeholders, reinsurers, medical advisors, and third-party providers.
• Stay current with industry developments to advise, guide, and support both underwriting teams and senior management.

About You

• Proven experience in a medical underwriting team, with experience across underwriting operations and/or development.
• Recognised underwriting authority across one or more product lines:
  Enhanced Annuities, Life, Income Protection, or Critical Illness
  .
• Strong understanding of medical underwriting risk factors and industry standards (including the ABI Statement of Best Practice on genetics).
• Experience underwriting across multiple product lines and using underwriting manuals and tools effectively.
• Skilled in auditing, quality reviewing, and providing constructive feedback.
• Clear and confident communicator, able to simplify complex information and influence stakeholders at all levels.
• Comfortable delivering training, coaching, and presentations to both individuals and groups.
• Proactive learner, committed to staying updated on industry and market changes.
• Proficient in
  Excel, Word, and PowerPoint
  .

Qualifications

• Progress towards or completion of the
  Diploma in Life and Disability Underwriting, CII
  , or other recognised industry qualifications is desirable.