Mortgage Underwriter jobs in United Kingdom

# Personal Lines Technical Underwriting ManagerRegion: South WestLocation: BristolContract type: PermanentReference number: CSDI04168Working pattern: Full-timeSalary: up to £70,000 + 25% annual bonus + PMI + benefits package## Personal Lines Technical Underwriting Manager* Join a leading Financial Services organisation, with an enviable reputation for exceptional customer service, market leading persistency andaward-winningcustomer and employee engagement * Become accountable for our **Personal Lines technical oversight**- which is an area of the business that has seen impressive growth, that is set to continue! * Hybrid working arrangements – be based out of our York or Bristol offices 40% of your week, with up to 60% home working on offer!## About the roleIn this role you will be responsible for the technical expertise of our Regional Underwriters across our **Personal Lines product range** **(known as Motor & Personal – M&P).** NFU Mutual is looking to continue to evolve this area of our business, delivering a compelling customer proposition and experience – plus it’s an exciting time to join as we implement a large-scale transformational change (including digital offering) programme! The role holder will contribute to our **Personal Lines underwriting strategy,** becoming responsible for implementing this locally, whilst monitoring key account performance measures and setting technical standards. Working collaboratively with our Head Office teams and NFU Mutual tied Agents, you will be a referral point for the most complex risks, holding the most senior Underwriting authority in the Regional Team. You will also feed in market trends and analysis to enable the organisation to respond proactively, whilst also providing your technical opinion on policy wordings and product development to ensure our products remain competitive. Leading a technical team of Senior technical Underwriters, you will work with them to drive the technical capability of our Regional Underwriters, enabling them to be intuitive with their approach and to maximise their contribution to business objectives.## About youYou will come from an **established Personal Lines underwriting background** with a demonstrable and in-depth understanding of this market. This will include prior experience dealing with complaints, escalations, and complex referrals, matched with knowledge of current industry developments and regulatory frameworks. Technically minded with strong analytical skills, you will have the ability to interact with various stakeholders, including non-technical audiences, partnered with the credibility and confidence to really challenge and influence decisions and ways of working. As a **collaborative leader**, you will have a **track record of coaching and mentoring others,** fostering talent, and driving high performance within your team. You will combine technical expertise with commercial awareness, ensuring underwriting decisions support both business objectives, good customer outcomes and long-term success. Key criteria to highlight on your CV will be: * Demonstrable experience of undertaking a senior Underwriter or Underwriting managerial position(s) within a Personal Lines specialism * Knowledge of dealing with complaints, escalations and complex referrals for Home & Motor, Reinsurance, Flood Re and Sum Insured Exposures (£5M+) * Exceptional stakeholder management and influencing skills * Experience of delivering KPIs, projects and objectives * Strong mentoring / managerial skills **You must also be able to attend either our Bristol or York offices for 40% of your working week – i.e. minimum 2 days per week** *At NFU Mutual, we support an inclusive workplace and value all the differences that make us unique. We celebrate the creativity and innovation that comes from diverse perspectives and experiences and share a common vision of doing the right thing for our customers and employees.* *We recognise that some candidates may experience barriers during the recruitment process. So, we encourage candidates to discuss any adjustments or accommodations they need to be the best they can be throughout our recruitment process.* *We're proud to be a Disability Confident Employer, a Race at Work and Women in Finance Charter signatory and welcome applications from people of all backgrounds, regardless of age, ethnicity, disability, neurodiversity, gender, religion, marital status, sexual orientation, or socioeconomic background.*## Benefits and Rewards* Salary – up to £70,000 * Annual bonus (up to 25% of salary) * Contributory pension scheme, up to 20%, including your 8% contribution * 28 days annual leave + bank holidays + buy/sell/save holiday trading scheme * A Family Friendly policy that helps you balance your work and family responsibilities * Private medical insurance + options to add family members * Access to savings at High Street brands, travel and supermarkets * £20 contribution to a monthly gym membership – subject to T&Cs * Health and wellbeing plan- cashback for dentist, opticians, physio and more * Employee Volunteering - volunteerin the community for one day each year * Unlimited access to Refer a Friend £500 bonus scheme * Life Assurance coverof 4 x salary * Employee discounts of 15% on a range of NFU Mutual insurance policies. * Salary sacrifice employee car scheme - subject to eligibility## Working at NFU MutualWe’reone of the UK’s leading general insurance and financial services companies. For over 110 yearswe’veput our customers at the heart of everything we do.Ourpeopleare just as important to us. Wepride ourselves on being “a great place to work” and our Gallup Exceptional Workplace 2025 award was not only awarded with Distinction but also named us as the first UK-based company to receive a Gallup Exceptional Workplace for ten years in a row. We are also the only Insurer to feature in the LinkedIn Top 15 Companies 2025 list of ‘Best midsize employers to grow your career in the UK’, the Glassdoor Best Places to Work UK List 2023 and 2024, and were recognised as a certified UK Top Employer by the Top Employers Institute in 2023, 2024 and 2025. We offer a supportive culture where we empower and inspire our people to perform, offer them opportunities to grow, and recognise and reward their contribution. Our people are proud to work for a company that respects them and their communities, and they trust us to be financially sustainable, so we are successful now and in the future.We are a leading provider of General Insurance and Financial Services. From our strong farming roots we’ve grown to become a UK-wide organisation, turning over £1billion annually. Yet success hasn’t gone to our heads. We’re proud to remain completely customer focused, down-to-earth and committed to the rural communities we’ve grown from.Our ethos - of trust, respect and personal service - lies at the heart of all we do and has seen us build an enviable reputation for exceptional member loyalty. Though we’ve been in business for over 110 years, we have big ambitions for the future. And that’s why we’re looking for talented people to join our growing organisation. Talented people like you.