Commercial Underwriter

**Roles and Responsibilities** **Portfolio Management** * Manage and maintain a portfolio of commercial insurance clients. * Process and negotiate annual policy renewals to ensure retention and adequate coverage. * Monitor and follow up on unpaid premiums, liaising with clients, insurers, and internal stakeholders to resolve outstanding accounts. * Process policy amendments, endorsements, additions, deletions, and cancellations accurately and within agreed service levels. * Conduct market approaches and obtain competitive quotations from insurers to ensure clients receive the most suitable cover and pricing. **Underwriting and Technical Duties** * Analyse and assess insurance risks to ensure appropriate cover is provided. * Review policy wordings, endorsements, and insurer terms and conditions. * Prepare and present quotations, comparisons, and recommendations to clients and brokers. * Ensure policies are issued correctly and comply with insurer underwriting guidelines. * Identify gaps in cover and recommend appropriate risk management and insurance solutions. **Client Service** * Build and maintain strong relationships with clients, insurers, and business partners. * Provide professional advice and support regarding commercial insurance products and coverage. * Respond to client queries and requests within agreed turnaround times. * Deliver exceptional service to improve client retention and satisfaction. **Insurer and Market Relationships** * Maintain strong working relationships with multiple insurers and underwriting managers. * Negotiate terms, premiums, and coverage enhancements on behalf of clients. * Stay informed of insurer product changes, underwriting appetite, and market developments. **Compliance and Administration** * Ensure all underwriting activities comply with FAIS, FICA, POPIA, and other applicable regulatory requirements. * Maintain accurate client records and documentation on internal systems. * Assist with audits, compliance reviews, and reporting requirements. * Ensure all policy documentation is issued and filed accurately and timeously. **Business Development Support** * Identify opportunities to cross\-sell and upsell insurance products within the existing client base. * Support new business initiatives by assisting with quotations and market submissions. * Contribute to portfolio growth and retention objectives. **Any other reasonable duties and responsibilities in line with your capabilities and at the request of your Superior** **JOB REQUIREMENTS** **Qualifications** * Class of business * RE5 * Candidate must have a min of 5 years experience as an underwriter in a broking environment * Insurance related qualification **Knowledge and Experience** * Sound knowledge of commercial insurance products. * Knowledge of products and underwriting requirements across multiple insurers will be advantageous. * Strong understanding of policy wordings, risk assessment, and underwriting principles. * Excellent communication,...