Permanent Commercial Underwriter | Mirror Images Vacancies
Job Description
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Mirror Images Vacancies – COMMERCIAL UNDERWRITER
Location: Johannesburg, Gauteng
Company: Mirror Images
Job Type: Permanent
Job Sector: Insurance
Job Title: Commercial Underwriter
Company: Mirror Images
Mirror Images is seeking an experienced Commercial Underwriter to ensure the accurate and efficient capturing, processing, and completion of client policies.
Qualifications & Requirements:
- Academic: Matric, FAIS Compliant (Full Short-Term Insurance Qualification at NQF Level 4 or higher)
- Certifications: Successfully Completed RE 5
- Experience: Minimum five years in Short-Term Insurance
Key Skills & Competencies:
- Ability to function independently and under pressure
- Assertiveness
- Continuous Learning
- Commitment
- Customer-Driven
- Excellent Communication Skills
- Flexible and Adaptable to Change
- Goal-Oriented
- High Attention to Detail
- Honesty, Integrity, and Ethical Behavior
- Results-Oriented
- Self-Starter / Proactive / Ability to Use Own Initiative
- Team Player
Key Performance Areas:
- Underwriting
- Manage Own Area of Control
Key Clients:
Directors, Management, Internal Staff, External Service Providers, Clients
Performance & Quality Standards:
Underwriting (New Business):
- Capture and collate client and risk details from Sales.
- Binder Insurers: Quote and underwrite in line with guidelines and mandates.
- Other Insurers: Approach market for quotes.
- Provide Sales with quotes and product comparisons.
- Ensure all FAIS documents are completed and signed.
- Arrange cover upon client/Sales confirmation.
- Process policy documents and raise debits where applicable.
- Email new business pack to AE/Client.
Renewals:
- Review renewal listing, claims experience, and loss ratio 12 weeks prior.
- Verify all FAIS documents; request outstanding items from AE if needed.
- Review record of advice and policy details for correctness.
- Submit renewal comparison and schedule to insurer for sign-off.
- Sales to negotiate terms where needed; no amendments without insurer approval.
- Binder Insurers: Renew in line with guidelines and mandates.
- Assist AE with market exercises as required.
- Attach ROA and client meeting minutes to policy.
- Provide insurer with final renewal schedule.
- Process policy documents and ensure correct financial period debits.
- Send completed renewal to client (cc AE).
Confirmations:
- Process cover confirmations immediately (cc AE, client, insurer).
- Diarise if outstanding information is pending.
- Process amendments directly; diarise for follow-up.
Amendments:
- Acknowledge receipt and notify AE.
- Binder Insurers: Process per guidelines.
- Other Insurers: Obtain terms before processing.
- Email updated schedule to client (cc AE).
Cancellations:
- Notify AE immediately.
- AE to complete retention form and provide reasons if client not retained.
- Forward to Team Lead for action.
- Prepare refund requisition if needed; submit to finance.
Multi-Claimants / Portfolio Management:
- Review policies for corrective action; send recommendations to insurers.
- Process corrective endorsements or cancellations per insurer’s advice or renewal rule set.
Manage Own Area of Control:
- Annual Leave: Clear pending tasks before leave.
- Punctuality and adherence to working hours.
- Meet deadlines and turnaround times.
- Maintain accountability, work quality, and development.
- Keep electronic filing system updated.
- Track new matters, deadlines, and SLAs.
- Respond promptly to emails and calls.
- Action and close diary items on time.
- Follow Standard Operating Procedures (SOPs).
- Exhibit core values: Professionalism, Integrity, Perseverance, Positive Attitude.
- Maintain professional behavior and work ethic.
- Perform ad-hoc duties as assigned.
- Support team backup arrangements.
Join Mirror Images as a Commercial Underwriter and contribute to our commitment to excellence in insurance solutions!
APPLY NOW
How to Apply
To apply for this position, click the “Apply Now” button or follow the specific instructions provided in the job description. Ensure that your CV and supporting documents are up to date and relevant to the position.
Please note: This job posting may be closed at any time by the employer, either due to internal recruitment policies, legal requirements, or once a suitable candidate has been found. We encourage you to apply as early as possible.
Only shortlisted candidates will be contacted.
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