Underwriter

Fnbnamibia; Randburg; On-site; ZAR 420,000 - 600,000; Full time

Job summary

FNB Short Term Insurance in Randburg seeks an experienced Personal Lines Underwriter to assess and approve applications for personal lines products (building, contents, motor, portables, and liability). You will balance risk with growth, ensure underwriting guidelines compliance, and deliver exceptional service to clients, brokers, and claims teams.

The role emphasizes training brokers, improving workflows, and using data to support faster, more accurate risk decisions in a dynamic insurance

Qualifications

• Minimum 5 years of underwriting experience in personal lines.
• RE5 qualification and FAIS compliance are required.
• Bachelor’s degree in insurance, risk management, or related field.

Responsibilities

• Evaluate, analyse, and approve personal lines insurance applications.
• Ensure underwriting guidelines compliance and risk assessment.
• Collaborate with brokers, sales, servicing, retentions, and claims.

Skills

Underwriting

Analytical skills

Client communication

Regulatory compliance

Education

Bachelor's degree in insurance or related field

RE5 qualification

FAIS compliant

Job description

## UnderwriterApply: Randburg: Full time: Posted Today: End Date: October 21, 2026 (7 days left to apply): R54397# **Job Description**To provide an effective and efficient service to clients by obtaining the correct medical and setting of underwriting requirements telephonically, that need to be referred to a Senior Underwriter for sign-off. Facilitation of such requirements related to new and existing business. **Hello**, future, Personal Lines Insurance Underwriter**,** Welcome to FNB, we design for the shapeshifters and deliver products and services that make us incredibly proud of the people that make it happen. As part of our team in **FNB Short Term Insurance**, you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious. Now’s the time to imagine your potential in a team where experts come together and ignite effective change. The Personal Lines Insurance Underwriter is responsible for evaluating, analysing, and approving insurance applications for personal insurance products such as building, contents, motor, portables and personal liability. This is not limited to new business only this role requires balancing risk assessment with business growth objectives, ensuring compliance with underwriting guidelines, and delivering exceptional service to clients, brokers, sales, servicing, retentions, and claims. **Underwriting Operational Enablement** * Develop and maintain underwriting frameworks, policies, and procedures that support consistent decision-making.* Provide guidance and training to brokers, agents, and internal teams to ensure clarity on underwriting criteria.* Leverage technology platforms and data analytics to streamline underwriting processes and enable faster, more accurate risk assessments.* Collaborate with product development teams to align underwriting practices with evolving market needs and customer expectations.**Underwriting Operational Efficiencies** * Continuously review and refine underwriting workflows to reduce turnaround times without compromising quality.* Implement automation tools and digital solutions to minimize manual tasks and improve productivity.* Monitor performance metrics (e.g., quote-to-sale ratios, loss ratios, service levels) to identify bottlenecks and optimize resource allocation.* Foster a culture of continuous improvement by encouraging feedback and adopting best practices across the underwriting team.**Risk Mitigation** * Assess applications thoroughly to identify potential risks and ensure adherence to company risk appetite and regulatory requirements.* Apply sound judgment in balancing risk exposure with profitability goals.* Monitor portfolio performance to detect emerging risk trends and adjust underwriting strategies accordingly.* Collaborate with claims and actuarial teams to ensure underwriting decisions are informed by historical loss data and predictive modelling.**Additional Responsibilities*** Relationship Management: Build strong relationships with , brokers ,sales, servicing, retentions, and claims and providing clear communication and support to foster trust and loyalty.* Regulatory Compliance: Ensure all underwriting practices comply with local insurance regulations, industry standards, and company policies.* Market Awareness: Stay informed about industry developments, competitor offerings, and regulatory changes to adapt underwriting strategies proactively.* Financial Performance Contribution: Support the achievement of profitability targets by maintaining a balanced portfolio of risks.* Decision-Making & Escalation: Exercise authority within delegated limits and escalate complex or high-value cases to senior underwriters or management when necessary.**Qualifications** * Bachelor’s degree in insurance, Risk Management, Finance, or related field.* Relevant Professional insurance qualifications.* Minimum 5 years of underwriting experience in personal lines insurance.* Commercial experience is advantageous.* RE5 qualification.* FAIS compliant.**Key Competencies** * Strong analytical and decision-making skills.* Commercial and profitability focus.* Excellent communication and negotiation skills.* Customer-centric mindset.* Ability to balance risk and retention objectives.* Strong stakeholder engagement skills.* Attention to detail.* Problem-solving ability.* Ability to work independently and manage multiple priorities.* Professional judgement and underwriting discipline. **Apply now if you are interested in taking the next step. We look forward to engaging with you!**