Field based Commercial Underwriter

NFU Mutual; Scotland; Hybrid; GBP 45,000 - 55,000; Full time

Job summary

An established industry player is seeking a dynamic insurance professional to join their team as a Commercial Underwriter. In this home-based role, you will provide dedicated support to a panel of agents across Scotland, focusing on underwriting a portfolio of commercial combined risks. You will leverage your technical expertise to negotiate complex accounts and deliver market-leading propositions. This role offers a supportive culture with a range of attractive benefits, including a competitive salary, annual bonus, and a family-friendly policy. If you are passionate about insurance and eager to make a significant impact, this opportunity is perfect for you.

Benefits

Annual Bonus

Contributory Pension Scheme

25 Days Annual Leave

Family Friendly Policy

Gym Membership Contribution

Health and Wellbeing Plan

Employee Volunteering

Life Assurance Cover

Employee Discounts

Qualifications

• Extensive experience in commercial underwriting with a track record in complex cases.
• Exceptional communication skills and effective negotiation abilities.

Responsibilities

• Provide underwriting support to NFU Mutual Agents across Scotland.
• Maximise profitable growth opportunities and influence performance.

Skills

Commercial Underwriting Experience

Negotiation Skills

Communication Skills

Relationship Building

Education

Level 3 ACII

Job description

Working pattern: Full-time (Part-time hours considered)

Salary: Up to £55,000 + 17.5% annual bonus + benefits package

• Join a thriving team providing dedicated Underwriting support to NFU Mutual’s Agency network
• Focus on our principal accounts and contribute to our planned commercial growth
• Homebased position with regular and extensive travel to Agency sites across Scotland – company car provided or car allowance scheme available

About the role

In this role, you will provide dedicated support to a panel of NFU Mutual Agents across Scotland, specifically in the following locations: Stirling, Perth, Strathaven, Lanark, Edinburgh, and the Borders (Newtown St Boswells and Duns).

You’ll be responsible for underwriting a portfolio of commercial combined risks, leveraging your technical expertise to negotiate large commercial account reviews and connected portfolios. By collaborating with Subject Matter Experts as needed, you’ll deliver compelling, market-leading propositions to our customers.

Working closely with Agents, you’ll aim to maximise profitable growth opportunities, influence performance, and support them in achieving excellent underwriting results.

Your first six months will focus on learning, supported by our career development framework, with training provided in agricultural knowledge and other areas as required. Following this, you’ll progress to agency visits, build your portfolio, and manage increasingly complex cases.

This is a home-based role with regular travel to Agents. The frequency of visits will vary based on monthly needs, allowing you to plan in advance and maintain control over your schedule for a positive work-life balance.

About you

We are seeking a dynamic insurance professional with extensive commercial underwriting experience. You’ll have a successful track record of managing more complex and technical cases across a range of commercial insurance products and will be able to demonstrate your ability to effectively coach and guide others.

It’s important that you possess exceptional communication skills with proven experience of building effective and lasting working relationships, with the confidence to challenge decisions and influence.

You’ll also be able to demonstrate the following:

• Effective negotiation skills to engage with stakeholders, facilitate successful outcomes, and confidently manage discussions on complex accounts
• Hold a UK driving licence and be comfortable travelling to agency sites when required
• Have completed or be working towards level 3 ACII (desirable).

Benefits and Rewards

When you join our team, you can expect a supportive culture and an attractive range of rewards and benefits including:

• Salary of up to £55,000 depending on skill set and experience
• Annual bonus (up to 17.5% of salary)
• Contributory pension scheme, up to 20%, including your 8% contribution
• 25 days annual leave + bank holidays + buy/sell/save holiday trading scheme
• A Family Friendly policy that helps you balance your work and family responsibilities
• 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
• Access to voluntary benefits, including health assessments, private medical insurance and dental insurance
• Employee Volunteering - volunteer in the community for one day each year
• Unlimited access to Refer a Friend £500 bonus scheme
• Life Assurance cover of 4 x salary
• Employee discounts of 15% on a range of NFU Mutual insurance policies.