Lenders Insurance Advisory - Senior Associate
4 days ago
Manchester
Introduction At Gallagher, we help clients face risk with confidence because we believe that when businesses are protected, they’re free to grow, lead, and innovate. You’ll be backed by our digital ecosystem: a client-centric suite of consulting tools making it easier for you to meet your clients where they want to be met. Advanced data and analytics providing a comprehensive overview of the risk landscape is at your fingertips. Here, you’re not just improving clients' risk profiles, you’re building trust. You’ll find a culture grounded in teamwork, guided by integrity, and fueled by a shared commitment to do the right thing. We value curiosity, celebrate new ideas, and empower you to take ownership of your career while making a meaningful impact for the businesses we serve. If you’re ready to bring your unique perspective to a place where your work truly matters; think of Gallagher. Overview The Gallagher Lenders Insurance Advisory team work closely with a wide variety of banks and financial institutions, offering insurance consultancy services to ensure that clients’ needs are met, when financing large scale acquisitions and projects. The Insurance Advice and Audit Analyst/Specialist will be responsible for providing expert insurance advice, conducting thorough audits, and reviewing facility agreements for commercial real estate lenders. This role requires a deep understanding of insurance policies, risk assessment, compliance regulations, and facility agreement requirements within the commercial real estate industry. The analyst/specialist will work closely with lenders to ensure appropriate insurance coverage, mitigate risks, maintain compliance, and provide ongoing technical insurance advice. They will also review and provide feedback on facility agreement content, formulate requirements lists, liaise with brokers, review policies, identify shortfalls, negotiate endorsements, and provide compliance documentation. This role would be ideal for someone who has due diligence experience or someone who has construction or property insurance experience looking to go into a more consultative position. How you'll make an impact • Provide expert insurance advice to commercial real estate lenders regarding insurance policies, coverage options, and risk management strategies., • Conduct comprehensive audits of insurance policies to ensure compliance with lender requirements and industry regulations., • Collaborate with lenders to assess insurance needs for commercial real estate projects, considering factors such as property type, location, and potential risks., • Review and analyse insurance documentation, including policies, endorsements, and certificates of insurance, to identify any gaps or deficiencies., • Advise lenders on appropriate insurance coverage limits, deductibles, and endorsements based on project-specific requirements and risk assessments., • Stay updated on industry trends, regulatory changes, and emerging risks in the commercial real estate insurance sector., • Develop and maintain strong relationships with lenders, insurance brokers and other lender employed teams such as legal and risk management., • Experience in insurance within the commercial real estate area., • In-depth knowledge of insurance policies, coverage options, and risk management strategies specific to commercial real estate lending., • Understanding of industry regulations, compliance requirements, and best practices., • Excellent analytical skills with the ability to assess complex insurance documentation and identify potential risks or gaps in coverage., • Exceptional communication and interpersonal skills to effectively collaborate with lenders, insurance providers, and internal stakeholders., • Detail-oriented with strong organizational skills to manage multiple audits and projects simultaneously., • Proficient in using insurance software and tools for policy analysis and risk assessment. On top of a competitive salary, great teams and exciting career opportunities, we also offer a wide range of benefits. Below are the minimum core benefits you’ll get, depending on your job level these benefits may improve: • Minimum of 25 days holiday, plus bank holidays, and the option to ‘buy’ extra days, • Defined contribution pension scheme, which Gallagher will also contribute to, • Life insurance, which will pay 4x your basic annual salary, which you can top-up to 10x, • Income protection, we’ll cover up to 50% of your annual income, with options to top up, • Three fully paid volunteering days per year, • Employee Stock Purchase plan, offering company shares at a discount, • Share incentive plan, HMRC approved, tax effective, stock purchase plan, • Critical illness cover, • Discounted gym membership, with over 3,000 gyms nationally, • Season ticket loan, • Access to a discounted voucher portal to save money on your weekly shop or next big purchase, • Emergency back-up family care Inclusion and diversity (I&D) is a core part of our business, and it’s embedded into the fabric of our organisation. For more than 95 years, Gallagher has led with a commitment to sustainability and to support the communities where we live and work. Gallagher embraces our employees’ diverse identities, experiences and talents, allowing us to better serve our clients and communities. We see inclusion as a conscious commitment and diversity as a vital strength. By embracing diversity in all its forms, we live out The Gallagher Way to its fullest. Gallagher is Disability Confident Committed. We have pledged to make sure our recruitment process is inclusive and accessible, in addition to supporting our existing employees with any long-term health conditions or disabilities. We understand that applicants may have disabilities, if you do, you may find some parts of the recruitment process more challenging than others. Don’t worry, we’re here to help, however, we can only do this if you let us know. Should you require reasonable adjustments to your application, please get in touch with ___ . If you’d prefer to speak on the phone, please request a call back, leaving details, so we get in touch. Our employing entity, Arthur J. Gallagher Services (UK) Limited, is proud to be accredited as a Living Wage employer with the Living Wage Foundation. We are committed to diversity and opportunity for all and are opposed to any form of less favourable treatment on the grounds of gender or gender identity, marital status, civil partnership status, parental status, race, ethnicity, colour, nationality, disability, sexual orientation, religion/ belief, age and those with caring responsibilities. Gallagher believes that all persons are entitled to equal employment opportunity and prohibits any form of discrimination by its managers, employees, vendors or customers based on race, color, religion, creed, gender (including pregnancy status), sexual orientation, gender identity (which includes transgender and other gender non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or military status, citizenship status, or any other characteristic protected (herein referred to as “protected characteristics”) by applicable federal, state, or local laws. Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. In addition, Gallagher will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.
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