Senior Underwriter

Old Mutual Limited; Johannesburg; On-site; ZAR 300 000 - 400 000; Full time

Job description

Showing 15 Senior Underwriter jobs in Johannesburg

COMMERCIAL UNDERWRITER

Johannesburg, Gauteng HR Genie

Posted 4 days ago

Job Description

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.
• 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.
• 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

PERSONAL LINES UNDERWRITER

Johannesburg, Gauteng Mirror Images

Posted 4 days ago

Job Description

Qualifications and Compliance requirements: Minimum three to five years relevant work experience in Short Term Insurance

Personal attributes:

• Ability to function independently and under pressure;
• Assertiveness;
• Continuous Learning;
• Commitment;
• Customer Driven;
• Excellent Communication skills;
• Flexible and Adaptable to change;
• Goal oriented;
• High attention to detail;
• Honesty, Integrity and Ethical Behaviour;
• Results oriented;
• Self-Starter / Proactive / Ability to use own initiative;
• Team player.

Securing New Business

• Capture and collate client and risk details received from Sales;
• Binder Insurers: Quote and underwrite in line with Insurer Underwriting Guide and mandates;
• Other Insures: Approach market for quotes;
• Provide Sales with quotes from Insurers;
• Ensure all FAIS documents are completed by Client and Sales;
• On confirmations from client / sales arrange cover with Insurer;
• Process policy documents raise debits where applicable;
• New business pack to be emailed to AE / Client. Where applicable: New Business packs to be printed and bound for delivery to client by AE;

Renewals:

Renewal listing, claims experience and ratio will be provided 6 weeks prior to renewal (renewals are created automatically in accordance with renewal rule set)

• Check to see if all relevant FAIS documents are on file;
• Review the latest record of advice on the policy;
• Review correctness of cover and insured details on policy ;
• Send the renewal comparison and schedule to the insurer for review and sign off (Personal Only);
• Obtain / Negotiate terms with insurers (Domestic Insurer collect);
• Assist AE with market exercise where necessary complete comparison;
• Confirm renewal discussion with client to AE or vice-versa Underwriter to be reduced to in writing;
• Lay off cover with Insurer (Personal);
• Update summary with renewal information;
• Process policy documents raise debits where applicable ensuring debit is raised in correct financial period;
• Send renewal to client (copying in AE) or Complete pack to AE for delivery both Domestic and Personal;

Domestic:

Domestic Renewals to be prepped by the renewal team from prepping to sending to client ensuring all relevant documents are attached. Where applicable, to discuss with relevant Underwriter / AE;

Confirmations

• Cover confirmation to be processed immediately py to AE, client and Insurer (Insurer: Personal only);
• Diarise if there is outstanding information;
• Process amendment directly if all information available;

Amendments

• Acknowledge receipt of amendment request advise AE;
• Binder Insurers: Process amendment in line with Insurer Underwriting Guide and mandates;
• Other Insurers: Obtain terms and process amendment;
• Send copy to Insurers this is applicable to Personal only;
• Email updated schedule to client, copying the AE;

Cancellations

Advise AE immediately;

• Send to Team Leads / Underwriting Managers for cancellation to be actioned;
• Prep refund requisition to be sent to Underwriting Managers to be authorised and sent to finance;

Multi-Claimants / Portfolio Management

• Process corrective endorsement / cancellation on Insurers advices; li>

Or

• Process corrective endorsement / cancellation as part of the renewal (rule set) raised;

MANAGE OWN AREA OF CONTROL

At all times:

• Annual leave: Ensure all outstanding mails/tasks have been attended to prior to going on leave.
• Be punctual, keeping to prescribed hours / timekeeping;
• Deadlines: Ensure all turnaround times and target dates are adhered to;
• Display personal accountability for own actions, quality of work and personal development;
• Effectively and efficiently maintain filing system;
• Ensure that accurate record is kept of all new matters received in the department; Ensure that all deadlines are met, and that SLAs are adhered to;
• Ensure required response times to emails and telephonic messages are adhered to;
• Ensure that all relevant Procedure Manuals (Standard Operating Procedures) are adhered to;
• Exhibit Com(any Core Values at all times (Professionalism, Integrity, Perseverance, Positive Attitude);
• Maintaining professional behaviour and work ethic;
• Perform adhoc duties as allocated from time to time;
• Team player and adhere to the backup arrangement as required by department to ensure cohesion.

This role is for the following other positions:

Commercial Lines Underwriter

The Role: Commercial Lines Underwriter

You will underwrite, issue, and service commercial lines policies end-to-end owning quotes, new business, renewals, amendments, and queries while safeguarding quality, compliance, and client retention. You'll work closely with brokers, clients, and internal stakeholders to deliver against service level agreements and uphold company standards.

Key Responsibilities

• Receive, interpret, and finalise instructions from clients, brokers, and stakeholders per SLA
• Issue policies in line with the new business workflow
• Process quotes, new business, amendments, and client queries
• Action renewals, cancellations, endorsements, and corrective actions
• Adhere to internal/external processes, guidelines, mandates, and SLAs
• Drive client retention through responsive, solutions-focused service

Requirements

• 3-5 years' commercial lines underwriting experience
• RE5, Class of Business Commercial Lines, and full NQF4 with relevant FAIS credits
• Preferred system experience: TIAL
• Strong knowledge of short-term insurance legislation, regulations, and compliance
• Clear verbal and written communication skills
• Proactive, organised, and calm under pressure
• Able to work independently and as part of a team
• Relationship builder who aligns with the company's ethos and values

What's In It for You

• Market-related compensation
• Great family culture
• Contribution toward Medical Insurance Scheme or Retirement Annuity

Commercial Underwriter – Insurance Industry

Johannesburg, Gauteng Professional Career Services

Posted 25 days ago

Job Description

Our client is a leading short-term insurance provider, specialising in commercial and motor insurance solutions.

A well-established and growing short-term insurance company is seeking an experienced Commercial Underwriter to join their professional underwriting team.

The successful candidate will provide comprehensive technical underwriting support across commercial lines, assist senior management with loss ratio and claims analysis, and maintain exceptional service standards with brokers and clients.

This role requires a confident, detail-oriented individual with strong analytical ability, excellent communication skills, and a deep understanding of commercial underwriting processes.

Qualifications

Skills

• Minimum 5 years experience in Commercial Underwriting (short-term insurance).
• Sound understanding of Motor and Non-Motor commercial risks.
• Proven technical underwriting experience within an insurance company or underwriting management agency (UMA) preferred.
• Strong computer literacy particularly TIAL and Microsoft Office (Word, Excel, Outlook).
• Excellent communication and interpersonal skills.
• Strong organisational and time-management abilities.
• High level of accuracy and attention to detail.
• RE5 Qualification (Advantageous)
• Class of Business: Commercial Lines (Advantageous)
• Exposure to risk surveys and underwriting audits (Advantageous)

Junior Commercial Underwriter

Posted 25 days ago

Job Description

Our client is a leading insurance provider with a strong footprint in commercial short-term insurance.

A reputable and fast-growing short-term insurance company is seeking a motivated Junior Commercial Underwriter to join its professional underwriting team.

This position is ideal for an individual who has a minimum of two years commercial underwriting experience, a solid foundation in short-term insurance, and a desire to develop technical underwriting expertise within a supportive, structured environment.

Qualifications

Skills

• Minimum 2 years experience in Commercial Underwriting within short-term insurance.
• Working knowledge of Motor and Non-Motor commercial lines.
• Experience on TIAL or similar underwriting system.
• Excellent verbal and written communication skills.
• Strong administrative and organisational abilities.
• High attention to detail and accuracy.
• Ability to work under pressure and manage deadlines.
• Class of Business: Commercial Lines (Advantageous)
• Exposure to risk surveys and underwriting audits.

Commercial Underwriter

Roodepoort, Gauteng CFS Recruitment

Posted 12 days ago

Job Description

We are seeking a talented Commercial Underwriter to join our dynamic team in Roodepoort.

Duties and Responsibilities:

• Assess and evaluate risks for commercial insurance applications.
• Generate accurate and competitive quotes for new business.
• Handle policy endorsements and modifications.
• Ensure compliance with underwriting guidelines and regulatory requirements.
• Collaborate with brokers and clients to provide underwriting support.

Handling New Business and Renewals

• Receive, interpret, and finalise instructions for new business, renewals, amendments, and queries per SLA.
• Issue policies in line with the new business workflow.
• Process quotes and new business and handle client queries.

Health Insurance Underwriter

Sandton, Gauteng R80000 - R250000 Y Discovery Ltd.

Posted today

Job Description

Business Unit: Vitality Life

About Discovery

Discovery's core purpose is ...

Key Purpose of the role

Reviews and evaluates policy applications to determine risk acceptability and coverage ...

Areas of responsibility may include but not limited to

• Assessment of risk for covers above the free cover limit, through assessment of a Declaration of Health or standard medicals or additional requirements.
• Liaising with members and brokers to obtain required information
• Providing reasons for underwriting decisions to members and their doctors
• Liaising with reinsurer for cases above the relevant treaty limits.

Personal Attributes and Skills

• Continuous Learning and Self Development
• Attention to Detail
• Self- motivation
• Integrity
• Accountability
• Teamwork
• High level understanding of the underwriting process and the world of insurance
• Self-awareness and able to ask for help
• Be able to identify problems and reach solutions
• Able to liaise with staff internally and externally
• Appropriate knowledge of medical risks and the impact on the various benefits

Education and Experience

• Grade 12/Industry Related Qualification/Business Related Degree or Diploma
• Competent in allocation of underwriting medicals

EMPLOYMENT EQUITY

The Company's approved Employment Equity Plan and Targets will be considered as part of the recruitment process. As an Equal Opportunities employer, we actively encourage and welcome people with various disabilities to apply.

UNDERWRITER: PERSONAL LINES

Bryanston, Gauteng HR Genie

Posted 10 days ago

Job Description

An established insurance company is seeking to hire a highly skilled and experienced Underwriter for Personal Lines to join their team.

Formal Education:

• Matric
• NQF 5 in Short-Term Insurance
• Regulatory Exam Level 1
• A minimum of four (4) years Personal Underwriting experience
• Personal Lines Class of Business
• DOFA confirmation from FSB
• Cardinal 360 system experience will be an advantage

Duties

• Effectively maintaining underwriting standards and providing quality client service:
• Issuing new policies, renewals, and endorsements on the C360 System;
• Prepare new business quotes;
• Underwrite in accordance with standards, policies and procedures;
• Support the sales team in acquiring and retaining profitable business;
• Attend to administration and written communication;
• Ensure that all documentation is processed accurately & correct;
• Ensure queries are resolved per company standards;
• Negotiating renewal terms and preparing renewal documentation;
• Ensure renewal reviews are completed timeously;
• Ensure retentions are calculated;
• Request and monitor survey and survey requirements as per laid down procedures;
• Correct unprofitable policies;
• Ensure policies are not overexposed;
• Checking policies before sending to clients;
• Telephone contact with clients when they phone in with queries or amendments/ additional covers;
• Saving all work electronically.

Service delivery to ensure customer satisfaction

• Maintain service, quality, and desired outputs within a specific functional process by ensuring compliance with tactical policies, procedures, and standards;
• Resolve escalated customer queries and complaints and provide feedback to customers on matters resolved;
• Develop work routines in line with operational plans / schedules in order to manage the achievement of service delivery goals;
• Share knowledge on, and participate in the creation of new standards, control systems, and procedures to maintain service delivery.

Continuously improve to ensure effective service

• Ensure adherence to organisational policies, practices, and procedures;
• Identify and recommend areas / ways to improve processes.

Underwriter: SME Casualty

Posted today

Job Description

What will you do?

Santam Casualty has an exciting opportunity for an Underwriter: SME Casualty based in Illovo.

Key Responsibilities:

• Underwrite SME Casualty products (General Liability, Professional Indemnity, D&O) within your delegated authority and defined parameters.
• Apply sound judgment and commercial insight to assess, select, and price risks responsibly to ensure portfolio profitability and sustainable growth.
• Re‑underwrite renewals with a focus on quality, retention, and the evolving risk profile of clients.
• Ensure all underwriting decisions comply with mandates, guidelines, and SOPs.
• Maintain accuracy and attention to detail when capturing data, processing quotations, or issuing documentation on the online portal.

Qualifications and Experience

• Minimum of 5 years experience
• NQF 5 in short-term insurance or any other relevant qualification (or working towards completing this qualification )
• Matric (Grade 12)
• RE 5
• FAIS & CPD Compliant
• Proficient in MS Office Suite (Word, Excel, PowerPoint, Outlook).
• Strong understanding of SME markets, risk assessment, pricing, and claims trends.
• Demonstrated ability to underwrite accurately within delegated authority via digital systems or portals.
• Excellent communication, negotiation, and relationship management skills.
• A proactive, solutions‑driven mindset with strong analytical and decision‑making ability.
• Highly organized with meticulous attention to detail and a passion for delivering on promises.

Knowledge and Skills

Client service ... TBD

Cyber Risks Underwriter

What will make you successful in this role?

Key Responsibilities include:

• Risk Assessment & Underwriting: Analyse and assess new and renewal submissions for Cyber Risk insurance with a focus on exposures including ransomware, data breach, business interruption, and network security liabilities.
• Apply deep technical knowledge of cyber risk exposures and evaluate the likelihood and potential severity of cyber threats.
• Determine appropriate coverage terms, limits, and pricing strategies using proprietary underwriting models, market data, and broker insights.
• Ensure alignment with Santam's cyber risk appetite, pricing tools, and underwriting guidelines.
• Structure bespoke cyber insurance solutions where standard wordings are inadequate.

Qualificaitons & Experience

• Bachelor's degree in risk management, Law, Insurance, IT Security, Finance or related field (LLB, B.Comm or similar) pref.
• Cyber Insurance underwriting experience (minimum 2–3 years) essential.
• Broad knowledge of specialist insurance products and underwriting
• FAIS compliant with RE5 qualification.
• Admitted Attorney or experience in data protection, cyber law, or IT governance would be a strong advantage.
• Strong understanding of global and local cyber risk landscape, threats, and regulatory frameworks (e.g. POPIA, GDPR).
• Proficient in Microsoft Excel, Word, PowerPoint, and data tools.