Senior Commercial Underwriter

3 months ago

Sandton, South Africa Guardrisk Full time

**Introduction**
- The Underwriter will be responsible for writing new business, providing renewal terms, technical advice, and liaising with brokers within the agreed mandate limits as determined by the Product Manager / Underwriting Executive.**Disclaimer**
- As an applicant, please verify the legitimacy of this job advert on our company career page.**Role Purpose**
- The Underwriter will be responsible for writing new business, providing renewal terms, technical advice, and liaising with brokers within the agreed mandate limits as determined by the Product Manager / Underwriting Executive.**Requirements**:

- Bachelor’s degree and/or equivalent NQF Level 7 qualification in commercial insurance
- FAIS compliant
- RE5 Short Term (Commercial and Personal Lines)
- At least 7 - 10 years’ experience in commercial underwriting
- At least 7 - 10 years’ experience leading a team of specialist underwriters and / or portfolio managers
- Technical knowledge on the underwriting of Non-Motor and Motor Commercial risks

**Duties & Responsibilities**
- Review and update of Company Underwriting manual /guide
- Continuous development of a risk-commensurate rating guide
- Technical underwriting of new and renewal business on Commercial Risks
- Ensuring that risks are written within the company’s risk appetite and complies within the reinsurance/underwriting treaties and internal mandates
- Facultative placements
- Basic system operating knowledge essential
- Manage
- Renewal process, (analysis of claims history, risk profile and renewal terms)
- Credit control
- Adequate underwriting action to correct underperforming clients such as increasing premiums, excess payments, deductibles and or terminate relationship
- Risk Survey process (survey requests, analysis, requirements, and implementation
- Maintain an acceptable portfolio loss ratio
- Build & Maintain policy wordings and ensure that the product remains competitive with market offering and amended regularly in line with re-insurance treaty specifications
- Develop and maintain exemplary broker service relationships
- Provide input into building and designing various aspects of the products on a designated system
- Providing brokers with advice, oversee broker queries, complaints, and problems
- Conducting product training to brokers
- Do broker visits with a view on growing the Commercial Product footprint, including the overall footprint of the
- Adhere to all aspects set out as per Commercial Standard Operating Procedures
- Conduct technical underwriting audits
- Assist with Audit process on existing policies, new business and renewals within delegated authorities, binders, and outsourced agreements
- Assist with Audit process as requested by Outsourced Authorized Auditors
- Assist with due diligence process on potential book take-overs
- Resolve escalated technical queries and referrals within prescribed SLA’s
- Assist underwriting team with referral risks/mentoring and product training
- Staff leadership, management within various divisions
- Conducting product training to brokers
- Maintain, monitor and continually improve service levels
- Build and maintain internal and external relationships with all key stakeholders
- Design & deliver product solutions to meet the client’s needs
- Refer problems to relevant department, where necessary
- Assist and with problems and/or complaints where necessary
- Feedback evolving client needs and industry trends to business
- Suggest new products and or product enhancements to address changing client needs
- Ensure competitive pricing structure while maintaining loss ratio’s
- Take adequate underwriting action to correct underperforming clients such as increasing premiums, excess payments, deductables and or terminate relationship

**Competencies**
- Business Acumen
- Collaborative
- Client/stakeholder commitment
- Good networking skills

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