Risk Analyst

15 hours ago

Port Elizabeth, Eastern Cape, South Africa Bryte Insurance Company Limited Full time

Who we are.

Bryte Insurance Company Limited is the premier, proactive commercial risk specialist in Southern Africa. Applying our unparalleled sector insights, proven expertise, and foresight, we partner with customers and brokers to protect their businesses and improve their risk profile across the continent. Bryte Insurance Company Limited approaches customer risk with purpose, proactively working with brokers and customers to enable better risk decisions.

This role is responsible for surveying risks across the Commercial Property portfolios. It provides risk surveying and risk improvement services for business partners. The candidate should have the ability to work independently most of the time. The provision of comprehensive risk insight is often for commercial and retail market underwriters and is primarily based at a branch but works from home.

Equipment

  • Laptop
  • Own Mobile Telephone
  • Hard Hat
  • High Visibility vest
  • Safety glasses
  • Safety boots or shoes
  • Own motor vehicle
  • Subsidised professional membership / association fees

Key Tasks & Accountabilities

  • Carries out risk assessments and provides survey reports within agreed timeframes.
  • Provides Risk Improvement Actions assessing loss potentials in accordance with agreed definitions.
  • Provides recommendations on acceptability of risks.
  • Carries out Desk Top Reviews.
  • Supports external and internal customers by identifying, assessing, and reducing the risks they face.
  • Contributes to Risk Engineering body of knowledge.
  • Participates in basic level training for customers.
  • Participates in professional / industry groups.

Competency Details

Consulting

  • Knowledge of techniques, roles, and responsibilities in providing technical guidance to clients, both internal and external; ability to apply this knowledge appropriately to diverse situations.
  • Presents a professional image, especially when dealing with customers.

Negotiating

  • Knowledge of successful negotiation concepts and techniques; ability to negotiate successfully across the organization and with external vendors and clients in a constructive and collaborative manner.
  • Explains the basic concepts of negotiating.
  • Describes qualities of effective and ineffective negotiations.
  • Utilizes techniques for establishing rapport and building trust.
  • Accesses organizational policies and practices for negotiating.
  • Demonstrates a willingness to examine own position.
  • Works to achieve win-win in negotiations, rather than taking a win-lose approach.

Property risks

  • Knowledge of practices, tools and techniques for assessing loss exposures and recommending solutions for property risks.
  • Can define the basic construction types.
  • Can identify the need for and presence of automatic sprinkler systems.
  • Can define the role of the risk surveyor in the underwriting process.
  • Can define terms related to property evaluation.
  • Can recommend controls for hazards associated with common ignition sources.
  • Can prepare simple property diagrams to provide underwriters with an overall view of risk exposures.
  • Can evaluate space separations and fire barrier walls for Probably Maximum Loss (PML) and Estimate Maximum Loss (EML).

Risk Assessments

  • Knows how to complete a Risk Assessment.
  • Knows how to identify actual and potential hazards or loss exposures.
  • Can explain the purpose of causal loss analysis.
  • Understands the value of company-specific standards and guidelines.
  • Can identify the insurance coverage that is applicable to the Risk Engineering service.

Risk Improvement Actions

  • Knowledge of how to develop risk control plans and management programs to control losses at corporate and local levels.
  • Can identify the basic program elements for prevention.
  • Understands the importance of a customer's safety program.
  • Understands the importance of effective communication with the insured.
  • Understands the role of the risk surveyor in the relationship with the insured.
  • Knows how to recommend physical and management controls technically appropriate to loss potential.
  • Knowledge of loss control/Risk Engineering.
  • Knowledge of the basic spectrum of activities, practices, tools, and considerations for managing and delivering loss control services.
  • Understands basic engineering and safety concepts and terminology.
  • Can identify basic safety factors given simple examples.
  • Can describe the purpose, content, and usage of risk engineering reports.
  • Type of customer contact: Facing external individual customers.

Relationships

Internal Stakeholders

  • Underwriting
  • Sales and Distribution
  • Risk Engineering manager and mentor.
  • Risk Engineers and Risk Analysts.

External Stakeholders

  • Customers
  • Brokers
  • Participation in professional / industry groups.

Qualifications & Experience

  • Relevant industry/insurance experience or certification in Hazard Identification and Risk Assessment.
  • Relevant experience in the assessment of risks and reporting (at least 2 years).
  • Strong communications and interpersonal skills.
  • Report writing skills critical.
  • Demonstrated ability to work in a team environment with minimum supervision.
  • Ability to work independently.
  • Very good computer skills.
  • Short-term insurance background an advantage.

Mobility

  • Must have own vehicle with valid drivers' license.
  • Will be required to travel.

Language

  • Very good English communication skills required.
  • Spoken: Lead risk assessment meetings and conduct negotiations.
  • Written: Compose reports with minimal grammatical errors.
  • Demonstrate language expertise relative to the applicable customer base.

Compliance

  • Follow compliance guidelines as required by guiding principles, policies, and procedures.

Closing date: 26 March 2025

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