Average Underwriting Analyst salary in the UK

We're Hiring: Mortgage Underwriters Location: Fully Remote (Including all training) Type: Full Time, permanent Reports to: Underwriting Team Manager Salary - Competitive Start Date - 11th May 2026 Are you a experienced mortgage Underwriter looking to make a real impact? We're on the lookout for motivated professionals to join our dynamic Lending Operations team at Kensington Mortgages. This is more than just a job , it's a chance to be at the heart of our underwriting function, helping us deliver responsible, specialist lending with integrity. If you're passionate about making a difference and thrive in a fast-paced, purpose-driven environment, we'd love to hear from you. Overall Purpose of Job As an Underwriter, you'll be responsible for assessing and approving Residential and Buy-to-Let mortgage applications, ensuring they align with our lending policy, FCA standards, and Treating Customers Fairly (TCF) principles. You'll be a key player in risk-based decision-making, maintaining top-tier underwriting standards and building strong relationships with brokers. About Us For over 25 years, Kensington Mortgages has been a pioneer in specialist mortgage solutions, offering hope to customers who may not fit the mould of traditional lending. We call it the Kensington Difference a commitment to understanding each customer's unique story and providing tailored solutions when others won't. As a wholly owned subsidiary of Barclays Bank UK PLC, we operate with the highest standards of service and integrity, fully authorised by the Financial Conduct Authority. Key Accountabilities Underwrite and approve mortgage applications within your mandate (250k+), ensuring quality and compliance.Escalate cases outside mandate with clear rationale.Communicate effectively with brokers, providing timely updates and clarity.Support User Acceptance Testing (UAT) phases.Champion TCF and responsible lending principles.Collaborate with the completions team to drive operational efficiency.Uphold our Code of Business Ethics and support financial crime prevention.Stay up to date with HR policies, regulations, and underwriting standards.Meet service level agreements and handle complaints professionally.Contribute to process improvements and ad hoc projects. Experience, Knowledge, Skills Minimum 3 years experience in Prime and Specialist lending with a minimum mandate of 250k+.Strong communication skills and confidence in broker engagement.Deep understanding of the mortgage intermediary market and FCA permissions.Awareness of organised fraud and risk mitigation controls.A proactive, adaptable mindset with a collaborative spirit.Solid grasp of responsible lending and regulatory frameworks.Experience underwriting residential and buy to let cases Desirable Experience, Knowledge, Skills Experience with niche Buy-to-Let lending (HMOs, light refurbishments, multi-unit properties).Knowledge of Second Charge lending.CeMAP qualification. Why Join Kensington Mortgages At Kensington Mortgages, we believe our employees are the heart of our success. We are committed to creating a supportive and flexible work environment that values personal growth, professional development and a healthy work-life balance Our inclusive culture respects and celebrates diversity in all its forms, ensuring that everyone feels welcome, valued and understood. We recognise and appreciate differences in thinking, learning styles, gender, race, identity, ethnic origins and sexual expression. We are an inclusive, neurodiversity-friendly employer committed to creating a supportive environment where all employees can thrive At Kensington Mortgages, our people are our greatest asset. We offer: A supportive and flexible work environment.Opportunities for personal growth and professional development.A culture that celebrates diversity, inclusion, and neurodiversity.A workplace where everyone feels valued, respected, and empowered. Ready to make a difference? If you're passionate about providing an exceptional service and want to join a team that values your contributions we'd love to hear from you Apply today and be part of the Kensington Mortgages family and help us to continue making a positive impact in the lives of our customers. Important Information All offers of employment are subject to background checks including DBS, credit, and Right to Work verification. **Start Date: Monday 11th May - **Please ensure availability for training and avoid long periods of annual leave during the initial onboarding phase.

We are partnered with a leading Lloyd's start-up to recruit an ambitious Underwriting Actuary looking to make a genuine impact in one of the market's most exciting ventures. This is not your typical actuarial role - it's a strategic and collaborative position designed for actuaries who are eager to be closer to the underwriting decision-making process, or who are considering a move into underwriting itself. Why This Role? Actuarial at the Core of Underwriting: This isn't just about pricing - it's about helping to shape underwriting strategy, partner with underwriters at the point of decision, and influence portfolio development in real-time.Unique Career Path: For those looking to transition into a more commercial role - or even underwriting - this is a rare chance to do so with full support from a forward-thinking business.Start-Up Agility with Lloyd's Strength: Be part of a well-backed platform with the resources of an established player and the innovation culture of a start-up.High Visibility: Work alongside top-tier underwriters and executives, influencing outcomes directly and developing a broad, strategic skillset. What You'll Do: Act as a key partner to underwriters across multiple specialty lines, supporting pricing, portfolio steering, and strategic insight.Develop and refine actuarial models that directly inform underwriting decisions.Collaborate across functions - actuarial, underwriting, data science, and executive - to identify profitable opportunities and avoid pitfalls.Contribute to the build-out of underwriting frameworks, with potential to move into a more formal underwriting role over time. For more information please apply.

Underwriting Operations Analyst / Team Manager.Salary: Up to £55,000 (depending on experience)Type: Permanent | Full-timeSector: Insurance / MGA An exciting opportunity has arisen for an experienced insurance professional to join a growing London-based MGA as an Underwriting Operations Analyst / Team Manager.This is a key role within the business, responsible for supporting the Operations Director in ensuring smooth day-to-day running, developing best practice processes, and maintaining operational excellence across underwriting, compliance, and reporting functions. Key ResponsibilitiesDevelop, document, and maintain best practice operational processes to ensure accuracy, efficiency, and compliance. Support the Operations Director in identifying and implementing process improvements. Manage and oversee reporting requirements for binding authorities, including BDX, exposure data, ELTO returns, and compliance reporting. Assist with external and internal audits, including TOBA reviews and regulatory processes. Provide leadership, training, and support to Underwriting Assistants and Operations Administrators. Maintain and version control key documentation including wordings, endorsements, and binding authorities. Collaborate with support functions such as Compliance, IT, HR, and Credit Control to deliver high operational standards. About YouPrevious underwriting experience in Property, Casualty or PI Experience within, or strong interest in, insurance operationsExperience in an MGA environment Minimum Cert CII qualification Proficiency in Excel (including macros/VBA) Experience using Salesforce Strong communication skills and a proactive, collaborative approach Why Apply?This is a great opportunity for someone looking to step into a visible, hands-on operations role where they can influence process, drive improvements, and help shape the future of a fast-developing MGA. If you're looking for a role that combines structure, responsibility, and genuine progression potential, we'd love to hear from you.