Senior Underwriter: Complex Risks & Bonds Lead

NHBC; Milton; Hybrid; GBP 60,000 - 85,000; Full time

Benefits offered by this job

Annual leave

Holiday purchase scheme

Enhanced pension

Life assurance

Private medical insurance

Employee discounts

Volunteer leave

Parental leave

Job summary

NHBC is recruiting a Senior Underwriter to assess complex, high-value risks and guide underwriting decisions. You will influence standards, work across referred cases, major projects and bonds, and support risk management across NHBC.

You will mentor colleagues, help shape guidelines and build strong stakeholder relationships while operating with robust technical judgement in a hybrid model with 2 days in the office.

Qualifications

• Extensive underwriting experience with delegated authority.
• Experience in referred-case underwriting, major projects, or surety and bonds.
• Strong technical judgement balancing commercial and risk.
• Understanding of underwriting principles and credit considerations.
• Excellent communication and ability to influence stakeholders.

Responsibilities

• Lead underwriting of complex, high-value risks within delegated authority.
• Evaluate developments, construction methods and contractor capability.
• Underwrite complex road and sewer bonds and assess security requirements.
• Make evidence-based risk decisions and escalate when needed.
• Provide technical guidance, peer reviews and mentoring to teams.
• Contribute to underwriting guidelines and process improvements.
• Build relationships with internal and external stakeholders to discuss and negotiate requirements.

Skills

Underwriting decisions

Risk assessment

Stakeholder management

Technical judgement

Communication

Mentoring

Education

ACII or equivalent

Degree (preferably insurance)

Job description

NHBC is recruiting a Senior Underwriter to assess complex, high-value risks and guide underwriting decisions. You will influence standards, work across referred cases, major projects and bonds, and support risk management across NHBC.

You will mentor colleagues, help shape guidelines and build strong stakeholder relationships while operating with robust technical judgement in a hybrid model with 2 days in the office.