Mortgage Underwriter jobs in United States

DLG is evolving. Across every facet of our business, our teams are embracing new opportunities and putting customers at the heart of everything they do. By joining them, you’ll have the opportunity to not just be recognised for your skills but encouraged to build upon them and empowered to do your absolute best.

Pricing and Underwriting is a complicated world, where historical data, geospatial information, and mathematical models meet talented analysts. Pricing our products is a fine line between balancing our business goals and customer needs. That’s why our Pricers and Underwriters are the best of the best. They reduce risk and predict future events ensuring our business can continue to grow whilst each and every one of our consumers gets the best price.

Our mission is to be a best-in-class function. And, to be the best of the best we need exceptional people. This is where your expertise comes into play. Joining our Home P&U Team, who are responsible for setting the prices for home policies, you’ll utilise your previous experience in Underwriting a UK personal lines portfolio to make sure we are best-in-class.

As a Band 3 Underwriter, you’ll support the Home Underwriting team in delivering accurate, competitive, and well-governed underwriting outcomes. This is a great opportunity to build your analytical skills, develop your understanding of insurance products, and contribute to key business decisions.

• Support analysis of claims and pricing data to help ensure our home insurance pricing reflects true risk and cost.

• Assist in monitoring trading performance and competitiveness across customer segments to identify trends and opportunities.

• Help review and maintain product details, including question sets, cover limits, and product tiers, ensuring accuracy and consistency.

• Track market and claims trends and support the team in identifying potential risks or opportunities for action.

• Maintain underwriting documentation and support the upkeep of our underwriting footprint.

• Assist in testing underwriting changes, ensuring updates are implemented correctly and efficiently.

• Collaborate with colleagues across teams, including Claims, Trading, and Pricing, to support shared goals and improve customer outcomes.

• Participate in team discussions and knowledge sharing, contributing ideas and learning from others.

• Follow governance and control processes, ensuring compliance with internal and regulatory standards.

• Engage in learning and development, building your knowledge of underwriting principles, insurance products, and data analysis tools.

Our hybrid model offers a 'best of both worlds' approach. When you'll be in the office depends on your role and team, but colleagues spend at least 2 days a week in the office.

We’re looking for someone eager to learn and grow within the world of insurance underwriting. You don’t need previous underwriting experience, just the right mindset and core skills to thrive in a data-driven, collaborative environment.

• Strong numeracy and analytical skills — comfortable working with data, spotting trends, and drawing insights.

• Curiosity and a willingness to learn — especially around insurance products, pricing, and risk.

• A proactive approach — able to work in a fast-paced environment and contribute ideas to improve outcomes.

• Great communication and teamwork — confident engaging with colleagues across different teams and levels.

• A commercial mindset — interested in how data and decisions impact customers and business performance.

• Attention to detail and good organisational skills — able to manage tasks, documentation, and governance requirements.

• Basic understanding of Excel or other analytical tools — or a willingness to learn quickly.

We recognise we wouldn’t be where we are today without our colleagues, that's why we offer excellent benefits designed to suit your lifestyle:

• 9% employer contributed pension

• 50% off home, motor and pet insurance plus Green Flag breakdown cover

• Additional optional Health and Dental insurance

• Up to 10% AIP Bonus

• EV car scheme allows all colleagues to lease a brand new electric or plug‑in hybrid car in a tax efficient way.

• Generous holidays

• Buy as you earn share scheme

• Employee discounts and cashback

• Plus, many more

We want everyone to get the most out of their time at DLG. Which is why we’ve looked beyond the financial rewards and created an offer that takes your whole life into account. Supporting our people to work at their best – whatever that looks like – and offering real choice, flexibility, and a greater work‑life balance that means our people have time to focus on the things that matter most to them. Our benefits are about more than just the money you earn. They’re about recognising who you are and the life you live.

Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people. We’re delighted to feature as one of the UK’s Top 50 Inclusive Employers and are committed to making our business an inclusive place to work, where everyone can be themselves and succeed in their careers.

We know you’re more than a CV, and the things that make you, you, are what bring potential to our business. We recognise and embrace people that work in different ways so if you need any adjustments to our recruitment process, please speak to the recruitment team who will be happy to support you.

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