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, allrisk, 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 uptodate 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 riskmitigation 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 highrisk 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 ShortTerm Insurance) is advantageous.
• Minimum 3-5 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 decisionmaking skills.
• High attention to detail and accuracy.
• Excellent communication and relationshipbuilding abilities.
• Ability to work under pressure and manage multiple priorities.
• Customercentric mindset with a commitment to service excellence.
• Integrity, professionalism, and sound judgement.