At a Glance
- Tasks: Build strong broker relationships and oversee strategic underwriting decisions.
- Company: Moralis Limited, a forward-thinking MGA in commercial property.
- Benefits: Flexible working, career progression to Deputy Head of Underwriting, and potential equity options.
- Other info: Opportunity for significant career growth and strategic leadership.
- Why this job: Join a dynamic team and shape the future of property underwriting.
- Qualifications: 5+ years in property underwriting with strong broker management skills.
Job Description
Senior Underwriter (Deputy Head of Underwriting – Designate)
Location: Flexible / Hybrid – Some business travel required.
Reporting to: Head of Underwriting
Business: Moralis Limited
Overview
Moralis is launching a specialist Commercial Property Owners and Commercial Unoccupied
MGA focused on disciplined underwriting, service-led distribution, and a sub-30% loss ratio
across all product lines.
We are seeking a Senior Underwriter who will initially support the Head of Underwriting
and transition into a Deputy Head of Underwriting role within 12–18 months as the
business scales.
This is not a traditional underwriting role. The position is designed for a commercially
astute relationship builder who understands property underwriting deeply and can
represent the business externally with credibility and authority.
Role Purpose
• Act as a senior representative of the MGA to brokers and capacity partners.
• Develop and manage strategic broker relationships.
• Support performance reporting and capacity dialogue.
• Oversee referral decisions, particularly around claims.
• Deputise for the Head of Underwriting when required.
The role is weighted towards relationship management and commercial oversight rather
than day-to-day transactional underwriting.
Role Split (Indicative)
• 90% Broker & Market Relationship Development
• 5% Reporting & MI Review
• 5% Technical Underwriting / Claims Referral Oversight
Key Responsibilities
1. Broker Relationship Management (Primary Focus)
• Build and maintain strong relationships with key regional and independent commercial
brokers.
• Identify profitable books suitable for transfer.
• Support onboarding of new broker partners.
• Conduct broker visits.
• Ensure appetite clarity and consistent underwriting message.
• Monitor broker-level and whole-account profitability and performance.
• Proactively manage underperforming relationships.
2. Market & Capacity Engagement
• Attend monthly capacity meetings.
• Present underwriting performance summaries.
• Support discussion around loss ratio trends, RBR movement, aggregation monitoring,
and referral trends.
• Represent the MGA professionally in capacity discussions.
• Assist in strategic planning discussions.
3. Technical Oversight & Referral Management
• Review claims referrals outside TPA authority limits.
• Ensure underwriting discipline and pricing integrity.
• Support maintenance of rating tables and appetite controls.
• Aiding Moralis Limited in obtaining full FCA authorization.
4. Reporting & MI Oversight
• Review system-generated underwriting and claims performance reports.
• Identify early warning trends.
• Support quarterly pricing adequacy reviews.
• Contribute to annual product review.
Future Development (12–18 Months)
• Formal appointment as Deputy Head of Underwriting (subject to performance).
• Increased involvement in capacity negotiations.
• Participation in recruitment decisions and product development.
• Broader strategic leadership responsibilities.
• Equity proposition possible once the business is operating sustainably.
Candidate Profile
Essential Experience
• Minimum 5 years property underwriting experience.
• Strong knowledge of Commercial Property Owners and Unoccupied Property.
• Demonstrated broker relationship management capability.
• Experience handling referrals and complex risk decisions.
Desirable Experience
• Exposure to delegated authority / MGA structures.
• Involvement in capacity reporting.
• Understanding of loss ratio management and RBR concepts.
• Experience with performance-led portfolio management.
• Experience operating on Acturis or equivalent software house.
• Knowledge of Residential Property to support future product expansion.
Personal Attributes
• Commercially confident and credible.
• Relationship-led but disciplined in underwriting approach.
• Comfortable presenting to brokers, insurers and senior stakeholders.
• Strategic thinker with long-term mindset.
• Data-aware and comfortable interpreting MI.
• Calm and measured decision-maker.
• Able to work with autonomy and coordinate own diary.
Senior Underwriter in Essex employer: Lawes Consulting Group
At Lawes Consulting Group, we pride ourselves on being an excellent employer that values and nurtures talent within a supportive and collaborative environment. As a Property Loss Adjuster based in Glasgow, you will benefit from a strong focus on employee development, a diverse portfolio of claims to manage, and the opportunity to work closely with industry professionals, all while enjoying the vibrant culture of Scotland's largest city.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Underwriter in Essex
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How to prepare for a job interview at Lawes Consulting Group
✨Know Your Numbers: Insurance Fundamentals
Brush up on your understanding of key insurance concepts, like underwriting principles and risk assessment. Expect the interviewer at Lawes Consulting Group to throw some technical questions your way, so be ready to demonstrate your grasp of these essentials.
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Understanding Lawes Consulting Group's values and workplace culture is essential. Don’t just memorise their mission statement; think about how your personal values align with theirs. This will show your genuine interest in being part of their team long-term.
