Remote Insurance Underwriter - Personal Lines

Placements24; Benoni; Híbrido; ZAR 350.000 - 550.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Competitive salary

Fully remote work

Health and wellness benefits

Professional development

Digital collaboration tools

Descripción de la vacante

Placements24 is seeking a proactive Remote Insurance Underwriter specializing in Personal Lines to join a fully remote South Africa team. You will evaluate applications, determine premiums, and set policy terms for homeowners, auto, and travel policies.

The ideal candidate has at least 3 years in personal lines underwriting, strong analytical skills, and ability to work independently while maintaining underwriting standards.

Formación

• Minimum of 3 years of experience in underwriting personal lines insurance products.
• Solid understanding of personal insurance policies, risk factors, and pricing strategies.
• Excellent written and verbal communication suitable for remote interaction.
• Must be legally authorized to work remotely in South Africa.
• Proficiency with underwriting systems, CRM software, and virtual collaboration tools.
• Self-discipline and organization to manage workload remotely.

Responsabilidades

• Assess and underwrite new personal lines insurance applications (home, auto, etc.) based on guidelines and risk appetite.
• Determine premiums, deductibles, and policy terms and conditions.
• Analyze client information to evaluate risk.
• Utilize underwriting software and online resources for risk assessment and decision-making.
• Communicate underwriting decisions to brokers, agents, and clients digitally.
• Review and manage policy endorsements and mid-term adjustments.
• Identify and report on emerging trends and risks in personal lines insurance.
• Ensure compliance with regulatory requirements and internal underwriting policies.
• Contribute to the development of underwriting guidelines and procedures.
• Manage a portfolio of risks in a remote setting.

Conocimientos

Analytical thinking

Decision making

Remote communication

Time management

Self-discipline

Educación

Tertiary qualification or insurance certification

Herramientas

Underwriting systems

CRM software

Virtual collaboration tools

Descripción del empleo

About the Role

Our client is seeking a proactive and experienced Remote Insurance Underwriter specializing in Personal Lines to join their expanding, fully remote team. This role is crucial for evaluating and accepting insurance risks for individuals, focusing on policies such as homeowners, vehicle, and travel insurance. You will work from anywhere in South Africa, using advanced digital tools to assess applications, determine premiums, and set policy terms. The ideal candidate will possess a strong understanding of personal insurance products, excellent analytical skills, and the ability to make sound underwriting decisions independently. We are looking for a detail-oriented professional who thrives in a remote environment and is dedicated to maintaining the company's underwriting standards. This is an excellent opportunity to advance your career in underwriting with significant flexibility and growth potential.

Key Responsibilities

• Assess and underwrite new personal lines insurance applications (home, auto, etc.) based on company guidelines and risk appetite.
• Determine appropriate premiums, deductibles, and policy terms and conditions.
• Analyze client information, including property details, driving records, and claim histories, to evaluate risk.
• Utilize underwriting software and online resources to facilitate accurate risk assessment and decision-making.
• Communicate underwriting decisions and requirements clearly to brokers, agents, and potentially directly to clients via digital channels.
• Review and manage policy endorsements and mid-term adjustments.
• Identify and report on emerging trends and risks within the personal lines insurance market.
• Ensure compliance with all regulatory requirements and internal underwriting policies.
• Contribute to the development and refinement of underwriting guidelines and procedures.
• Manage a portfolio of risks efficiently in a remote setting.

Requirements

• Relevant tertiary qualification or insurance-specific certification (e.g., NQF Level 4/5) is highly desirable.
• Minimum of 3 years of experience in underwriting personal lines insurance products.
• Solid understanding of various personal insurance policies, risk factors, and pricing strategies.
• Strong analytical, decision-making, and problem-solving skills.
• Excellent written and verbal communication skills suitable for remote interaction.
• Proficiency with underwriting systems, CRM software, and virtual collaboration tools.
• Self-disciplined, organized, and able to manage workload effectively in a remote environment.
• A reliable internet connection and a suitable home office setup are mandatory.
• Commitment to continuous learning and professional development.
• Must be legally authorized to work remotely in South Africa.

Benefits

• Competitive salary and potential for performance-based incentives.
• Full remote work flexibility, allowing you to work from anywhere.
• Comprehensive health and wellness benefits.
• Support for professional development and ongoing training.
• Opportunity to work with a forward-thinking, digitally enabled insurance company.
• Collaborative online team environment.