Pretoria: PERSONAL LINES UNDERWRITER

Our client with a national footprint within the financial sector seeks the duties of a highly skilled Underwriter for Personal Lines. Key Responsibilities Risk Assessment & Underwriting Evaluate new business, renewals, and endorsements for personal lines products (motor, household, building, all‑risk, etc.). Analyse risk information, claims history, and supporting documentation to determine insurability. Apply underwriting guidelines, pricing models, and rating structures accurately. Make informed decisions on risk acceptance, modification, or decline. Ensure underwriting decisions support portfolio profitability and risk appetite. Policy Administration Process quotations, amendments, cancellations, and renewals within agreed service levels. Ensure all documentation is complete, accurate, and compliant. Maintain up‑to‑date records on underwriting systems and CRM platforms. Support the resolution of policy queries and discrepancies. Broker & Client Support Provide technical underwriting support to brokers, advisers, and internal teams. Build strong relationships through responsive communication and professional guidance. Assist brokers with product understanding, underwriting requirements, and risk‑mitigation advice. Participate in broker visits, training sessions, and engagement initiatives where required. Compliance & Governance Ensure all underwriting activities comply with regulatory requirements (FAIS, TCF, POPIA, etc.). Adhere to internal underwriting guidelines, authority limits, and audit standards. Support internal and external audits by providing accurate and timely information. Portfolio & Risk Management Monitor portfolio performance, identify trends, and recommend corrective actions. Review high‑risk or complex cases and escalate where necessary. Contribute to product development, pricing reviews, and underwriting strategy improvements. Assist in managing loss ratios through proactive risk selection and mitigation. Qualifications & Experience Matric (Grade 12) required; a relevant insurance qualification (e.g., Higher Certificate in Short‑Term Insurance) is advantageous. Minimum 35 years experience in personal lines underwriting. Strong knowledge of personal lines products, underwriting principles, and rating methodologies. NQF 5 in short term insurance. RE1. Class of Business for personal insurance. Key Competencies Strong analytical and decision‑making skills. High attention to detail and accuracy. Excellent communication and relationship‑building abilities. Ability to work under pressure and manage multiple priorities. Customer‑centric mindset with a commitment to service excellence. Integrity, professionalism, and sound judgement.