Commercial Underwriter

2 weeks ago

Bellville, South Africa Santam Full time

Who are we?
Santam is the market leader in the general insurance industry in Southern Africa. We are a large, diversified, expanding and transforming company and whilst based in South Africa, we are rapidly moving into a number of emerging markets, both in Africa and Asia. Our success is rooted in our passion for our clients and everything we do is centred on our delivery of Insurance Good and Proper. What will you do?
This career opportunity is available at Santam Operations within Riscor for a Commercial Underwriter, who will be based in Bellville.

Job purpose
The incumbent will be responsible for commercial lines above mandate authorizations
The incumbent will also be responsible for commercial lines transactional functions which includes broker appointments, cancellations, reinstatements etc. in support of the company’s objectives regarding profit and growth
Coaching and upskilling of broker staff/system users

Detailed duties & responsibilities
- Manage allocated portfolio growth, retention, profitability and any other business relevant factors and agree growth plan
- Reporting on performance against agreed targets
- Identify and develop sales opportunities
- Ensure a consistent and detailed understanding of the sales targets, goals, performance levels, products, business rules and conditions
- Ensure a consistent detailed understanding amongst brokers of their growth targets, goals, performance levels and available products
- Establishing strategies to further grow the portfolio and contribute ideas, leadership and innovation
- Utilise technology to manage data and the performance of the portfolio under management
- Analyse data and regularly ensure that rating structures are aligned with products, underwriting criteria and risks.
- Identify and drive areas of service levels opportunities (review administration procedure in broker office)
- Engaging with underwriting and finance teams
- Serves as the primary contact for operations, systems, training, audits as well as liaison for resolving issues
- Ensure alignment of quality standards and alignment of business processes
- Ensure brokers operate within agreed mandates
- Comply with corporate governance policies, procedures and standards
- Identify and drive opportunities to improve and enhance product and service offerings
- Keep abreast of market conditions and trends and relevant industry regulations
- Ensuring credibility with brokers by maintaining detailed knowledge of current market conditions and competitors’ products
- Resolve customer and broker complaints and queries where necessary
- Drive increased utilisation of online and any other self-service platforms
- Collaborate and work with support units to deliver required service levels
- Co-ordinates and delivers new and on-going training on products, processes and systems
- Implement retention strategy
- Create a culture of service excellence both internally and externally What will make you successful in this role?

QUALIFICATIONS AND EXPERIENCE
- Completed grade 12 or equivalent certificate
- FAIS credits 150
- RE5 & rep registration would be advantageous
- Experience in sectional title market would be advantageous
- Minimum 5 years Commercial, Agri or UMA underwriting experience

SKILLS
- Ability to understand client base related requirements and to conceptualise and develop relative support
- Good understanding of value chain in order to implement cost savings and maximise profitability
- Working knowledge and good understanding of all operating and strategic processes, re-engineering and design
- Project management skills
- Change management skills
- Understands value chain principles and management concepts
- Working knowledge of financial management, accounting, information systems and marketing
- Strong business orientation with commercial and financial skills.
- Computer literate in data manipulation, i.e. Excel as well as technology in general
- Strong networking and relationship building skills
- Negotiating skills
- Decision making abilities
- Technical claims and underwriting skills
- Risk management skills

KNOWLEDGE
- Sound knowledge and experience in claims, underwriting and credit control Knowledge and Skills Profitable Underwriting Client service (complaints/queries/ investigations/advice) Coaching, training and quality management Reporting and adhoc meetings Personal Attributes Decision quality - Contributing independently Persuades - Contributing independently Action orientated - Contributing independently Business insight - Contributing independently Build a successful career with us

We’re all about building strong, lasting relationships with our employees. We know that you have hopes for your future - your career, your personal development and of achieving great things. We pride ourselves in helping our employees to realise their worth. Through its four business clusters - Sanlam Life and Savings, Sanlam Investment Group, Sanlam Emerging Markets, Santam, as well

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