Underwriter Ii: Personal Lines

HR Options; South Africa; On-site; ZAR 180,000 - 300,000; Full time

Job summary

HR Options in South Africa seeks a Personal Underwriter to join its established financial services team. The role centers on underwriting personal lines, issuing new business, renewals and endorsements, and delivering quality client service.

Key requirements include Matric, an NQF5 in Short-Term Insurance, an industry Regulatory Exam qualification, and DOFA confirmation from the FSB; Cardinal 360 system experience is advantageous.

Qualifications

• Matric and NQF5 in Short-Term Insurance required.
• Regulatory Exam qualification is required.
• DOFA confirmation from FSB required.
• Cardinal 360 system experience is advantageous.

Responsibilities

• Issuing new policies, renewals and endorsements on the Cardinal 360 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 documentation is processed accurately & correct.
• Ensure queries are resolved as per company standards.
• Negotiating renewal terms and preparing the renewal documentation.
• Ensure renewal reviews are completed timeously.
• Saving all work electronically.

Skills

Matric

NQF5 Short-Term Insurance

Regulatory Exam qualification

DOFA confirmation from FSB

Cardinal 360 system experience

Education

Matric

NQF5 Short-Term Insurance

Regulatory Exam qualification

DOFA confirmation from FSB

Tools

Cardinal 360 system

Job description

A well established company in the financial services sector is looking for a Personal Underwriter to join their team.

Your:

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

will enable you to fullfill the following 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 documentation is checked and authorised if appropriate prior to dispatch;
  • Ensure queries are resolved as per company standards;
  • Negotiating renewal terms and preparing the 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.
• Align own behaviour with the organisation's culture and values;
• Share and transfer product, process, and systems knowledge to colleagues;
• Collaborate and work with the Underwriting team to ensure required service levels are delivered.
• Continuous improvement to ensure effective service:
  • Ensure adherence to organisational policies, practices, and procedures;
  • Identify and recommend areas / ways to improve processes.

This role is ideal for a professional who is passionate about delivering exceptional client service while maintaining sound underwriting practices across a personal lines portfolio. The successful candidate will be responsible for underwriting new business, renewals, endorsements, quotations, and related administrative functions.