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- Tasks: Evaluate insurance applications and conduct detailed risk analysis to determine pricing.
- Company: Touchstone Underwriting, a specialist MGA with strong broker relationships.
- Benefits: 25 days holiday, income protection, and professional development support.
- Why this job: Join a dynamic team and make impactful underwriting decisions in a fast-paced environment.
- Qualifications: 2-5 years of underwriting experience and proficiency in risk assessment.
- Other info: Opportunity for career growth and recognition in a supportive culture.
The predicted salary is between 45000 - 55000 £ per year.
Touchstone Underwriting is a specialist MGA delivering high quality underwriting solutions to the UK insurance market. We pride ourselves on strong broker relationships, technical underwriting expertise, and a pragmatic, service-led approach. As part of our continued growth, we are seeking an experienced Underwriter to join our underwriting team.
As an Underwriter you will be instrumental in delivering profitable growth using your extensive technical expertise and underwriting experience. You will lead the assessment and pricing of complex risks, act as a senior referral point for Underwriters and support the development of underwriting strategy and product innovation. Your role involves cultivating strong broker relationships ensuring underwriting discipline and governance standards are upheld. You will contribute to market insight, opportunity identification and pipeline growth, helping to shape the MGA’s trading direction and drive profitable outcomes.
This position suits a commercially astute and technically proficient underwriter who thrives in a fast-paced, relationship-driven environment and is passionate about delivering high-quality underwriting results.
Key Responsibilities- Evaluate insurance applications, policy wordings, financials and supporting documents.
- Conduct detailed risk analysis to determine acceptability and pricing.
- Calculate premiums based on exposure, sector-specific risks and underwriting costs.
- Ensure adherence to underwriting guidelines and regulatory requirements.
- Quote and bind policies within delegated authority, referring upwards when necessary.
- Build and maintain strong productive relationships with brokers.
- Provide responsive service and expert guidance to meet broker needs.
- Identify trends and opportunities for cross-selling and portfolio growth.
- Promote consistent underwriting practices aligned with capacity Binder Authority agreements and internal standards.
- Ensure compliance with the FCA regulations.
- Support the Compliance Team to meet internal and external audit requirements.
- Maintain strong knowledge of governance, compliance and delegated authority protocols.
- Maintain accurate documentation for audit and compliance.
- Minimum 2–5 years in underwriting within the following sectors (property, commercial and/or casualty).
- Proficiency in risk and hazard identification, assessment and claims analysis.
- Ability to rate risks, identify referrals and understand risk appetite and acceptance criteria.
- Experience using underwriting software and tools.
- Strong understanding of financial statements and credit analysis.
- In-depth knowledge of the products being underwritten (e.g. property, commercial and/or casualty).
- Proven ability to make sound underwriting decisions within delegated authority and record evidence of such.
- Experience in evaluating complex cases and applying judgment to balance risk and profitability.
- Knowledge of relevant regulations (e.g., FCA guidelines in the UK, GDPR for data handling).
- Experience ensuring adherence to internal and external compliance standards.
- 25 days holiday
- Additional Holiday Purchase Scheme
- 24 Hour GP Service
- Income Protection Insurance
- Death in Service
- Anniversary Recognition
- CII Membership/Support
- Terry Berry Membership
Underwriter in Hemel Hempstead employer: Touchstone Underwriting Limited
Contact Detail:
Touchstone Underwriting Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter in Hemel Hempstead
✨Network Like a Pro
Get out there and connect with people in the industry! Attend events, join online forums, and don’t be shy about reaching out to current underwriters. Building relationships can open doors that a CV just can't.
✨Showcase Your Expertise
When you get the chance to chat with potential employers, make sure to highlight your technical skills and experience. Share specific examples of how you've assessed risks or built broker relationships – it’ll show you know your stuff!
✨Be Ready for the Interview
Prepare for common underwriting interview questions and think about how you can demonstrate your problem-solving skills. Practice makes perfect, so maybe do a mock interview with a friend to boost your confidence.
✨Apply Through Our Website
Don’t forget to apply directly through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Underwriter in Hemel Hempstead
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Underwriter role. Highlight your experience in evaluating insurance applications and your technical expertise in risk assessment. We want to see how your skills align with what we do at Touchstone Underwriting!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about underwriting and how you can contribute to our team. Don’t forget to mention your experience with broker relationships and compliance standards, as these are key for us.
Showcase Your Achievements: When detailing your past roles, focus on specific achievements that demonstrate your ability to drive profitable growth and manage complex risks. We love numbers, so if you can quantify your successes, even better!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates. Plus, it shows you’re keen to join our team!
How to prepare for a job interview at Touchstone Underwriting Limited
✨Know Your Underwriting Stuff
Make sure you brush up on your technical underwriting knowledge. Familiarise yourself with the specific sectors mentioned in the job description, like property and casualty. Be ready to discuss your experience with risk assessment and pricing strategies, as this will show that you’re not just a good fit but also passionate about the role.
✨Build Broker Relationships
Since strong broker relationships are key for this role, think of examples from your past where you’ve successfully built and maintained these connections. Prepare to share how you’ve provided responsive service and expert guidance to brokers, as this will highlight your relationship-driven approach.
✨Showcase Your Compliance Knowledge
Understanding regulations is crucial for an Underwriter. Brush up on FCA guidelines and any relevant compliance standards. Be prepared to discuss how you’ve ensured adherence to these in your previous roles, as it demonstrates your commitment to governance and compliance.
✨Prepare for Scenario Questions
Expect to face scenario-based questions that assess your decision-making skills. Think of complex cases you’ve evaluated in the past and be ready to explain your thought process. This will help the interviewers see how you balance risk and profitability, which is essential for the role.