Standards 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.

Benefits:

• Additional leave
• Canteen
• Company events
• Company pension
• Cycle to work scheme
• Discounted or free food
• Employee discount
• Flexitime Health & wellbeing programme
• Life insurance On-site gym
• Private medical insurance
• Work from home

If you are interested and have the relevant experience, please click apply to be contacted by a member of the team. You can also share your CV and a email to careers@bradleydavidassociates.co.uk