Overview Demonstrate consistent professional and constructive communication at all times to help support a positive and collaborative working environment Ensure contract certainty is achieved on all accounts at time of inception Support the Manager and colleagues wherever necessary to meet division/group goals and income budgets. Following the underwriting and pricing knowledge and mentorship from the Senior member of the team to ensure that the company's underwriting performance commitments are met Align with the laws and regulations that apply to the insurance market, including all key regulatory, conduct, and risk management requirements and responsibilities. Utilise available actuarial information, other statistics and underwriting experience when considering acceptance, terms and premiums. Utilise available information and profiling of risks when considering acceptance, terms and premiums. Make effective decisions when dealing with presented cases, being able to justify underwriting decisions, keeping detailed and accurate records of policies and decisions made Provide excellent customer service to build positive relationships with brokers and other customers To serve as the designated Underwriter for approved Brokers, providing a custom service when needed. Undertake any required training to ensure the role can continue to be effectively carried out. Knowledge Good market and competitor knowledge. Insurance experience required, preferably experience in motor insurance. Good understanding of TCF principles. General Understanding of FCA GI Regulation Skills Underwriting experience and knowledge. Excellent communication and negotiation skills both over the telephone and in writing. Strong problem-solving skills and attention to detail. Computer literate and detailed understanding of the Trading Platform. The ability to think creatively and make commercial underwriting decisions. Able to work under pressure and in a fast-paced environment. Strong interpersonal and relationship building skills. Qualifications GCSE Maths and English (or equivalent). Certificate in Insurance (desirable). What do we offer in return? A career that you define. At Howden, we value diversity – there is no one Howden type. Instead, we’re looking for individuals who share the same values as us: Our successes have all come from someone brave enough to try something new We support each other in the small everyday moments and the bigger challenges We are determined to make a positive difference at work and beyond Reasonable adjustments We're committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs. Besides the usual adjustments such as software, IT, and office setups, we can also accommodate other changes such as flexible hours or hybrid working. If you're excited by this role but have some doubts about whether it’s the right fit for you, send us your application – if your profile fits the role’s criteria, we will be in touch to assist in helping to get you set up with any reasonable adjustments you may require. Not all positions can accommodate changes to working hours or locations. Reach out to your Recruitment Partner if you want to know more.