Johannesburg: COMMERCIAL UNDERWRITER posted by HR Option
Posted on 2025-07-31 00:00:00
| Employer | HR Option |
|---|---|
| Category | Other Insurance |
| Location | Gauteng / Johannesburg |
Job Summary
Our client is looking for a commercial underwriter that will be able to do the following:
Risk Assessment and Analysis:
- Analyse and interpret data related to commercial risks, including property, liability, motor, engineering, and other short-term insurance lines.
- Review applications, inspection reports, and financial statements to determine the degree of risk for potential clients.
- Assess external factors affecting risk, such as economic trends, regulatory changes, and claims history.
Underwriting Decisions:
- Make informed decisions about whether to accept or decline insurance applications.
- Determine appropriate terms, coverage limits, premiums, and conditions for policies.
- Negotiate terms and conditions with brokers and clients within delegated authority.
Portfolio Management:
- Manage an assigned book of business, monitoring performance and profitability.
- Regularly review the portfolio for adverse trends and take corrective action where necessary.
- Renew existing policies and adjust terms based on updated risk evaluations.
Broker and Client Relationship Management:
- Develop and maintain strong relationships with insurance brokers, agents, and direct clients.
- Provide expert advice and guidance on insurance solutions, policy wording, and claims processes.
- Deliver responsive, professional service to ensure high levels of broker and client satisfaction.
- Conduct client and broker visits as required to deepen understanding of risks and business operations.
Compliance and Documentation:
- Ensure all underwriting activities comply with company policies, regulatory requirements, and best practices.
- Accurately document decisions, correspondence, and policy details in the underwriting system.
- Participate in internal and external audits as required.
Product Development and Innovation:
- Contribute to the development and refinement of insurance products by providing underwriting insights and suggestions.
- Keep abreast of emerging risks, technologies, and trends in the commercial insurance market.
- Participate in product launches and training sessions for brokers and clients.
Claims Collaboration:
- Work closely with the claims department to understand loss trends and improve underwriting guidelines.
- Assist in complex claim investigations where underwriting input is required.
Formal education:
- Matric
- Commercial Lines Class of Business
- Regulatory Exam Level 1
- NQF 5 in Short-Term Insurance
- A minimum of five years of relevant commercial underwriting experience
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