Underwriter – Personal Lines Insurance

About the role

FNB Short Term Insurance is seeking an experienced Underwriter to join its Randburg team. The role focuses on assessing and approving personal insurance applications while balancing risk and business growth.

Key responsibilities

• Evaluate, analyse, and approve personal lines insurance applications in line with underwriting guidelines.
• Obtain required information telephonically and refer complex cases to senior underwriters.
• Manage underwriting processes for new and existing business, ensuring efficiency and quality.
• Develop and maintain underwriting frameworks, policies, and procedures.
• Provide guidance and training to brokers, agents, and internal teams on underwriting criteria.
• Leverage technology and data analytics to improve risk assessment accuracy and processing speed.
• Monitor portfolio performance, identify emerging risk trends, and adjust strategies accordingly.

Required profile

• Bachelor’s degree in Insurance, Risk Management, Finance or related field.
• Relevant professional insurance qualifications and a valid RE5 qualification.
• Minimum 5 years underwriting experience in personal lines insurance.
• FAIS compliance and strong analytical, decision‑making and communication skills.
• Customer‑centric approach with ability to balance risk and profitability.

Required skills

• Strong analytical and problem‑solving abilities.
• Excellent communication and negotiation skills.
• Proficiency in stakeholder engagement and relationship building.