Personal Lines Underwriter

SUMMARY:
Job Specification: Personal Lines Underwriter (Short-Term Insurance)
Client: A Hominum Solutions partner (confidential)
Location: Johannesburg North
Start: ASAP
About the Role
Our client seeks a detail-driven Personal Lines Underwriter to underwrite and manage a portfolio of short-term insurance risks. You’ll assess risk, price appropriately, and deliver a great broker/client experience while meeting regulatory and service standards.
Key Responsibilities

• Underwrite new business, renewals, and endorsements within mandate.
• Analyse risk information, determine terms, apply loadings/exclusions, and set premiums.
• Prepare competitive quotes; negotiate with brokers/clients to close and retain business.
• Manage a personal portfolio to profitability targets (loss ratio, lapse/cancel rate).
• Conduct policy wording checks; ensure accurate documentation and timely issuance/binding.
• Perform renewals, re-rates, and cross-sell/upsell where appropriate.
• Uphold regulatory and internal compliance (FAIS/FSCA, TCF, POPIA, Binder/SLAs).
• Maintain meticulous records in policy admin/CRM systems and produce MI reports as needed.
• Collaborate closely with claims, finance, and broker support to resolve queries.
• Contribute underwriting insights to product and pricing improvements.

• Experience: 3–5+ years’ personal lines underwriting in short-term insurance (insurer or UMA/broker with binder).
• Product Exposure: Motor, household/building, all-risks; valued items and high-net-worth exposure an advantage.
• Technical: Confident with policy admin systems and MS Office; comfortable working from rating guides and underwriting mandates.
• Qualifications:
• Matric/Grade 12 (required)
• FAIS Fit & Proper compliance for PL underwriting preferred (e.g., NQF4 Short-Term Insurance qualification/credits, RE5, and Class of Business – Personal Lines).
• Regulatory: Sound understanding of TCF, POPIA, and Binder/Delegated Authority governance.
• Competencies: Analytical judgement, attention to detail, commercial mindset, negotiation & stakeholder management, written/oral communication, time management, teamwork, integrity.

• Portfolio loss ratio and retention within target.
• Quote-to-bind and turnaround time SLAs met.
• Accurate documentation and zero-defect audits/compliance checks.
• Positive broker/client feedback and reduced endorsements/rework.

• Competitive market-related package (to be aligned with experience and qualifications).
• Opportunity to shape a quality, profitable book with a supportive leadership team.
• Career growth through training and exposure to complex risks.

1. Required monthly salary (gross)
2. Notice period

POSITION INFO:
Job Specification: Personal Lines Underwriter (Short-Term Insurance)
Client: A Hominum Solutions partner (confidential)
Location: Johannesburg North
Start: ASAP
About the Role
Our client seeks a detail-driven Personal Lines Underwriter to underwrite and manage a portfolio of short-term insurance risks. You’ll assess risk, price appropriately, and deliver a great broker/client experience while meeting regulatory and service standards.
Key Responsibilities

• Underwrite new business, renewals, and endorsements within mandate.
• Analyse risk information, determine terms, apply loadings/exclusions, and set premiums.
• Prepare competitive quotes; negotiate with brokers/clients to close and retain business.
• Manage a personal portfolio to profitability targets (loss ratio, lapse/cancel rate).
• Conduct policy wording checks; ensure accurate documentation and timely issuance/binding.
• Perform renewals, re-rates, and cross-sell/upsell where appropriate.
• Uphold regulatory and internal compliance (FAIS/FSCA, TCF, POPIA, Binder/SLAs).
• Maintain meticulous records in policy admin/CRM systems and produce MI reports as needed.
• Collaborate closely with claims, finance, and broker support to resolve queries.
• Contribute underwriting insights to product and pricing improvements.

• Experience: 3–5+ years’ personal lines underwriting in short-term insurance (insurer or UMA/broker with binder).
• Product Exposure: Motor, household/building, all-risks; valued items and high-net-worth exposure an advantage.
• Technical: Confident with policy admin systems and MS Office; comfortable working from rating guides and underwriting mandates.
• Qualifications:
• Matric/Grade 12 (required)
• FAIS Fit & Proper compliance for PL underwriting preferred (e.g., NQF4 Short-Term Insurance qualification/credits, RE5, and Class of Business – Personal Lines).
• Regulatory: Sound understanding of TCF, POPIA, and Binder/Delegated Authority governance.
• Competencies: Analytical judgement, attention to detail, commercial mindset, negotiation & stakeholder management, written/oral communication, time management, teamwork, integrity.

• Portfolio loss ratio and retention within target.
• Quote-to-bind and turnaround time SLAs met.
• Accurate documentation and zero-defect audits/compliance checks.
• Positive broker/client feedback and reduced endorsements/rework.

• Competitive market-related package (to be aligned with experience and qualifications).
• Opportunity to shape a quality, profitable book with a supportive leadership team.
• Career growth through training and exposure to complex risks.

1. Required monthly salary (gross)
2. Notice period