Property/package Underwriter

**The Company**

The Moorhouse Group specialises in the provision of Business Insurance Policies. We pride ourselves in being a leading provider throughout the business sector, of policies that may be standard or unique to commercial customer’s insurance needs, in addition to Commercial Vehicles. We are a highly technological Company moving forward with innovative systems in the Industry.

We are committed to creating a working environment where people can flourish and find the freedom to fulfil their potential. You'll be joining a specialist company with a reputation for delivering a first-class service, offering a range of products to our valued customers.

**The Role**

Responsible for Evaluation, Product proposition including Rate setting and Underwriting of Property Owners (Residential and Commercial) Unoccupied Properties, Package SME retail, Leisure, Office and Surgeries Package as well as Commercial Combined in accordance with the approved business plan. As a Property Underwriter, you will be responsible for Identifying and responding to the needs of the clients, ensuring we always deliver excellent service. This is a great opportunity to join a highly successful organisation at an exciting stage of growth.

**Principle Accountabilities**
- Risk assessing, working with Market rates and Terms
- Supporting MGA’s delegated authorities/binders (and any others required) by producing an underwriting profit on various lines of commercial business primarily Property/Package/Commercial Combined and Liability.
- Monitor loss ratio and ensuring a combined operating ratio is achievable for all parties. Ensuring maximum G.W.P and commission
- Construct Policy Wordings
- To support the Group Underwriting Manager in expanding the account line with the syndicate plans whilst maintaining a focus on bottom line improvement
- Monitor accuracy of contracts (contract certainty)
- Assist in preparation of statistics and documentation as required
- Pricing and analysis of new and renewal binding authorities
- Monitor risk level data
- Stay updated on industry trends, regulations, and guidelines to ensure compliance and accurate risk assessment
- Assist Group Underwriting and Development Manager with Conduct Risk and participate in peer review process
- Manage the underwriting guidelines, appetite and authority of the product line
- Operate within delegated authority
- Develop / Share knowledge with team to ensure support and reduce single point of dependency

**Skills and Abilities**
- Cert CII qualified progressing towards Dip CII
- Proven track record in Property Underwriting within an MGA, Insurance Company, Lloyd’s syndicate or oversight of a Broker DUA
- Understanding, applying, and explaining of core principles, practice, and market knowledge
- Develops and enhances relationships both internally and externally. Demonstrates effective communication skills and an ability to communicate at all levels.
- Demonstrates an ability to make effective decisions when dealing with complex issues. Able to provide recommendations to others.
- Demonstrates an effective approach to multi-tasking can meet timescales and delegate where appropriate.
- Proactively develops business procedures and systems and utilizes records in accordance with internal procedures and regulatory guidelines.
- Demonstrates advanced usage of communication skills to enhance business function by building both existing and new business relationships.

**What’s on Offer**
- Full time, permanent role
- Competitive benefits package
- Excellent public transport links
- Enhanced holidays starting at 23 days, which increases to 25 days with service, plus bank holidays.
- Healthy work/life balance
- Smart Casual dress
- Company Social Events and a dedicated social committee
- Free On-site parking
- Recruitment referral programme
- Optimised Health Plan
- Company pension contribution
- Sponsorship for Professional Qualifications
- Development plan with long term career opportunities
- Cycle to work scheme
- Electric Vehicle scheme

**Salary**:

- Highly competitive salary with comprehensive benefits package
- Flexibility is required for all roles to support business needs

**Education**:

- GCSE or equivalent (preferred)
- Cert CII qualified

**Experience**:

- Must have experience in Property Underwriting within an MGA, Insurance company, Lloyd’s syndicate or oversight of a Broker DUA

**Benefits**:

- Company events
- Company pension
- Cycle to work scheme
- Free parking
- Health & wellbeing programme
- On-site parking
- Referral programme
- Transport links
- UK visa sponsorship

Schedule:

- Day shift
- Monday to Friday

**Experience**:

- Underwriting: 1 year (required)

Work Location: In person