Initial Risk Underwriter

We're looking for an Initial Risk Underwriter to join our Home Finance Operations team. This is a great opportunity to play a key role in assessing customer applications, ensuring appropriate risk management, and delivering an exceptional customer experience. If you enjoy balancing analytical thinking with clear communication and want to build your expertise within a supportive, collaborative environment, we’d love to hear from you.

What you'll be doing:

• Reviewing customer applications and assessing risk factors to determine what further information is required
• Requesting and evaluating documentation to support informed underwriting decisions
• Communicating with customers, advisers and third‑party providers in a clear, professional and timely manner
• Ensuring customer requirements are met and service levels are consistently achieved or exceeded
• Identifying and escalating complaints promptly to ensure appropriate resolution
• Applying legislative, regulatory and internal policy requirements to all decision‑making
• Ensuring information provided to customers is clear, tailored and supports good outcomes
• Collaborating with colleagues across teams to contribute to a smooth and efficient application journey

Who we're looking for:

• Experience managing your own workload and prioritising tasks effectively
• Confident written and verbal communication skills across multiple channels
• Ability to assess information holistically and make balanced, informed decisions
• Experience working in a fast‑paced or dynamic team environment
• Comfortable engaging with customers and stakeholders professionally
• An understanding of risk factors within equity release (desirable)
• Awareness of relevant legislation and regulatory requirements (desirable)
• Working knowledge of relevant systems or software (desirable)

Whatever your role, we reward performance and behaviour with a package that looks after all the things that are important to you. Here are some of the benefits we offer:

• The opportunity to participate in our annual, performance -related bonus plan and valuable share schemes
• Generous pension contribution
• Life assurance
• Healthcare Plan (permanent employees only)
• At least 25 days holiday, plus public holidays, 26 days after 2 years’ service. There’s also the option to buy and sell holiday
• Competitive family leave
• Participate in our electric car scheme, which offers employees the option to hire a brand-new electric car through tax efficient salary sacrifice (permanent employees only)
• There are the many discounts we offer – both for our own products and at a range of high street stores and online
• We’re creating net‑zero carbon workplaces by 2030 by investing in our sustainable, modern offices across the UK, all designed to bring people together and elevate the in‑person experience

Additional Information

At L&G, we believe it's possible to generate positive returns today while helping to build a better future for all. 

If you join us, you’ll be part of a welcoming, inclusive culture, with opportunities to collaborate with people of diverse backgrounds, views, and experiences. Guided by leaders with integrity who care about your future and wellbeing. Empowered through initiatives which support people to develop their careers and excel.

We care passionately about outcomes rather than attendance and are therefore open to discussing all kinds of flexible working options including part-time, term-time and job shares. Although some roles have limited flexibility due to customer demand, we accommodate requests when we can. 

It doesn’t matter if you don’t meet every single criterion in this advert. Instead, think about what you excel at and what else you can bring in terms of strengths, potential and connection to our purpose.