Title:  Level 3 Underwriter

Are you a strategic thinker with experience in Cargo and Freight insurance? Ready to take your underwriting career to the next level? This is your opportunity to step into a high-impact role where your decisions drive growth, profitability, and long-term success.

As a Level 3 Underwriter, you’ll take the lead in managing and expanding a high-value portfolio across a network of key intermediaries and clients. With autonomy and authority, you’ll balance risk and opportunity to ensure sustainable, profitable growth in line with our long-term trading objectives.

You’ll work at the heart of a collaborative and innovative underwriting team helping shape strategies, influence market positioning, and drive business performance. This is more than underwriting — it’s about building lasting partnerships and leaving your mark on the industry.

Responsibilities:

• Working on site with intermediary/customers, undertaking end-to-end handling of straight forward cases for the allocated portfolio to deliver the agreed joint business development plans in line with the Company’s overall trading strategy. 
• Make effective on site decisions, within delegated authority, for allocated intermediaries so that work is completed efficiently. 
• Working with the Cargo and Freight Underwriting Manager, and the underwriting team, develop strong relationships with allocated intermediaries, balancing intermediary needs with the Company’s trading objectives in a way that will deliver profitable and balanced training growth. 
• Plan and process own work so that the relevant part of the team’s workload is handled efficiently and effectively.  
• Make a positive input into the team’s effectiveness, suggesting ways in which work systems and processes can be amended and improved.  
• Respond to and take ownership of customer enquiries and allocated mail.  
• Identify, define and close business opportunities, seeking the input of other members of staff. 
• Act as a reference point on all issues for the allocated intermediary/customer referring complex issues where necessary, so that a high level of customer service is delivered. 
• Ensure open communication and collaboration across all lines of business and the sales and development function. 
• Undertake other duties as directed within the level of the job function. 
• Help drive forward good Conduct for the business to deliver the best outcomes for customers / policyholders. 
• Understand all appropriate lines of escalation and the responsibilities of the Product Conduct Risk Strategy Group (PCRSG), Underwriting & Claims Sub Committee (UCSC) , ExCo and Board for Conduct Risk.

You are required to comply with the PRA and FCA conduct rules:

1. Acting with honesty and integrity at all times
2. Acting at all times with due care, skill and diligence
3. Being open and honest with the FCA, the Prudential Regulation Authority (PRA) and all UK regulators at all times
4. Always paying due regard to the interests of customers and always treat them honestly and fairly
5. Observing proper standards of market conduct at all times
6. Act to deliver good outcomes for retail customers. This includes abiding by the Consumer Duty cross-cutting rules below:
   • Act in good faith towards retail customers.
   • Avoid causing foreseeable harm to retail customers.
   • Enable and support retail customers to pursue their financial objectives

Knowledge and Skills:

• Build and maintain strong internal relationships with other team members, the Claims Department, the Syndicate and the Leadership team.
• Build and maintain strong external relationships with a range of contacts within the allocated intermediaries and customers. 
• Appropriate level of underwriting knowledge. 
• Ability to interpret and effectively use management information. 
• Ability and willingness to learn and understand established systems and processes. 
• Good interpersonal and communication skills. 
• Passionate about excellent customer service . 

Competencies for the Role:

1. Team orientation

Work cooperatively and flexibly with other members of the team with a full understanding of the role to be played as a team member.

2. Communication

Communicate clearly, fairly and in a non-misleading manner, both orally and in writing.

3. Achievement/results-orientation

Get things done well and the ability to set and meet challenging goals, create own measures of excellence and constantly seek ways of improving performance.

4. Problem-solving

Analyse situations, diagnose problems, identify the key issues, establish and weigh up alternative courses of action and produce a logical, practical and acceptable solution.

5. Flexibility

Adapt and work effectively in different situations and to carry out a variety of tasks.

6. Customer focus

Take constant care in looking after the interests of external and internal customers. Ensure that their wants, needs and expectations are given due consideration and that all efforts are made to meet them wherever fair and reasonable, in line with any standards from an industry regulator.

7. Planning and prioritising

The ability to decide on courses of action, ensure that the necessary resources are available and schedule the work required to achieve a defined result in a desirable manner.

8. Share knowledge

Share knowledge about the role you perform fully and willingly with others, where this is relevant, in the interests of the organisation.

9. Self-development

Take responsibility for your own career and actively support ‘continuing professional development’.

10. Commercial/business awareness

The capacity to understand the business opportunities and priorities of the organisation and constantly seek methods of ensuring that the organisation continues to be business-like and continues to meet the standards and requirements of its regulators.

Education and Professional Qualifications preferred:

• University Degree and/or relevant professional qualification

IT Skills:

Generic

• Office 365 (MS teams, MS Power Point, MS Excel, MS Word, sharepoint,yammer) 

• PowerBI 
• MS Outlook 

• MS Project 

Company Specific: (Complete for roles where it is a requirement) 

• Websure
• Acturis
• GeoWeb