Personal Line Underwriter

Fouche & Co Recruitment; Hillcrest; On-site; ZAR 200 000 - 300 000; Full time

Job summary

A leading recruitment agency is seeking a Personal Underwriter in Hillcrest, KwaZulu-Natal. The role involves assessing personal insurance applications, analyzing risks, and determining suitable policy terms while ensuring strong client and broker relationships. The ideal candidate will have experience in underwriting, excellent analytical skills, and relevant insurance certifications. The position offers competitive remuneration ranging from R25,000 to R30,000, depending on experience.

Qualifications

• 25 years experience in personal underwriting, preferably in short-term insurance.
• Knowledge of personal insurance products and underwriting principles.
• Strong decision-making and interpersonal skills.

Responsibilities

• Evaluate personal insurance applications and assess associated risks.
• Determine policy coverage, terms, and premiums.
• Build and maintain strong relationships with clients and brokers.

Skills

Strong analytical skills

Customer service skills

Communication skills

Attention to detail

Education

Matric (Grade 12) or equivalent

Relevant insurance certifications (e.g., NQF Level 4 / 5, RE5)

Job description

The Personal Underwriter will assess personal insurance applications, analyze risks, and determine suitable policy terms and coverage. This role combines analytical expertise with client engagement, ensuring accurate risk assessments while maintaining strong relationships with brokers and clients.

Key Responsibilities

• Evaluate personal insurance applications and assess associated risks.
• Determine policy coverage, terms, and premiums.
• Issue and manage policies and endorsements according to company guidelines.
• Build and maintain strong relationships with clients and brokers.
• Manage a client portfolio, providing expert advice and support.
• Ensure compliance with regulatory standards and internal policies.
• Collaborate with the claims department on underwriting matters.
• Conduct market research to stay informed on industry trends and emerging risks.
• Maintain accurate documentation of underwriting decisions.
• Respond promptly to client inquiries to ensure service excellence and retention.

Key Attributes

• Strong attention to detail and accuracy.
• Proactive and solutions-oriented mindset.
• Excellent customer service skills.
• Effective communication and negotiation skills.
• Collaborative team player.

Requirements

• Matric (Grade 12) or equivalent.
• 25 years experience in personal underwriting, preferably in short-term insurance.
• Relevant insurance certifications (e.g., NQF Level 4 / 5, RE5) advantageous.
• Strong analytical, decision-making, and interpersonal skills.
• Knowledge of personal insurance products and underwriting principles.
• Experience in claims and commercial underwriting advantageous.
• Good telephonic etiquette and strong administrative skills.
• Driver's License & own transport.

Remuneration

R25 000 R30 000, depending on experience

• Only shortlisted candidates will be contacted