What Jobs are available for Commercial in South Africa?

Our client is looking for a commercial underwriter that will be able to do the following:

Risk Assessment and Analysis:

• Analyse and interpret data related to commercial risks, including property, liability, motor, engineering, and other short-term insurance lines.
• Review applications, inspection reports, and financial statements to determine the degree of risk for potential clients.
• Assess external factors affecting risk, such as economic trends, regulatory changes, and claims history.

Underwriting Decisions:

• Make informed decisions about whether to accept or decline insurance applications.
• Determine appropriate terms, coverage limits, premiums, and conditions for policies.
• Negotiate terms and conditions with brokers and clients within delegated authority.

Portfolio Management:

• Manage an assigned book of business, monitoring performance and profitability.
• Regularly review the portfolio for adverse trends and take corrective action where necessary.
• Renew existing policies and adjust terms based on updated risk evaluations.

Broker and Client Relationship Management:

• Develop and maintain strong relationships with insurance brokers, agents, and direct clients.
• Provide expert advice and guidance on insurance solutions, policy wording, and claims processes.
• Deliver responsive, professional service to ensure high levels of broker and client satisfaction.
• Conduct client and broker visits as required to deepen understanding of risks and business operations.

Compliance and Documentation:

• Ensure all underwriting activities comply with company policies, regulatory requirements, and best practices.
• Accurately document decisions, correspondence, and policy details in the underwriting system.
• Participate in internal and external audits as required.

Product Development and Innovation:

• Contribute to the development and refinement of insurance products by providing underwriting insights and suggestions.
• Keep abreast of emerging risks, technologies, and trends in the commercial insurance market.
• Participate in product launches and training sessions for brokers and clients.

Claims Collaboration:

• Work closely with the claims department to understand loss trends and improve underwriting guidelines.
• Assist in complex claim investigations where underwriting input is required.

Formal education:

• Matric
• Commercial Lines Class of Business
• Regulatory Exam Level 1
• NQF 5 in Short-Term Insurance
• A minimum of five years of relevant commercial underwriting experience

• Assess and evaluate risks for commercial insurance applications
• Generate accurate and competitive quotes for new business
• Handle policy endorsements and modifications
• Ensure compliance with underwriting guidelines and regulatory requirements
• Collaborate with brokers and clients to provide underwriting support

Job Title: Commercial Underwriter Reporting to: Head of UnderwritingSeniority Level: Mid Career (2 - 4 years experience)Type: PermanentDuties and Responsibilities:

• Assessing and analyzing risk in commercial insurance applications
• Preparing quotes and negotiating terms with brokers
• Ensuring adherence to underwriting guidelines and regulatory requirements
• Collaborating with internal teams such as claims and finance
• Providing assistance and guidance to junior underwriters

Commercial Underwriter
Join a trusted insurance brokerage and binder holder on the KZN South Coast.
Margate, KwaZulu-Natal | R14 000 R17 000 + medical aid + pension + annual bonus | 08:00 17:00

About Our Client
Our client is a well-established insurance brokerage and binder holder with a reputation for professionalism, integrity, and exceptional client service. Based in the KZN South Coast, they provide tailored insurance solutions to businesses and individuals while maintaining strong partnerships with leading insurers. The company offers a supportive environment where commitment and accuracy are recognised and rewarded.

The Role: Commercial Underwriter
The Commercial Underwriter will play a key role in assessing, evaluating, and administering commercial insurance policies. You'll be responsible for ensuring that underwriting processes are accurate, compliant, and efficient, while delivering a high standard of client service. Although training is available, the ideal candidate will already hold the relevant industry qualifications and regulatory requirements.

Key Responsibilities

• Minimum 2 years of experience in commercial underwriting within a brokerage or binder environment (training can be provided if needed)

• Assess, evaluate, and underwrite commercial insurance risks within binder mandates.

• Prepare, review, and issue quotations, renewals, and endorsements

• Liaise with clients, brokers, and insurers to ensure accurate and timely policy administration

• Ensure compliance with underwriting guidelines, internal policies, and regulatory requirements

• Maintain accurate and up-to-date records across systems and files

• Assist with binder reporting and contribute to adherence to service-level agreements

• Deliver professional, timely, and client-focused service at all times

About You

• Matric (NQF Level 4) with a recognised industry qualification or higher

• Regulatory Exam 5 (RE5)

• Class of Business certification

• Continuous Professional Development (CPD) minimum 18 points per year

• Experience in commercial underwriting within a brokerage or binder environment (preferred, but not essential if willing to train)

• Strong attention to detail, accuracy, and organisational skills

• Excellent communication and interpersonal abilities

• Self-motivated, with the ability to work independently and as part of a team

• Committed, hardworking, and eager to grow within the insurance sector

We're on the lookout for a talented
Commercial Attorney (Associate)
with extensive experience in
commercial contracting
. A strong candidate that brings wide legal expertise in
negotiating, drafting, and reviewing complex commercial contracts,
especially within the
supply chain and procurement space
.

If you meet the above criteria and are ready for your next challenge, we'd love to hear from you

LOCATION:
Observatory,
Cape Town

TITLE: Commercial Attorney (Supply chain and Procurement)

LEVEL:
Associate

JOB TYPE:
Full Time (Hybrid)

Minimum Requirements:

• LLB or equivalent legal degree and admission as an attorney
• At least 5 years' experience in a commercial legal environment with commercial contracting expertise
• Proven track record in drafting and negotiating various commercial contracts (particularly in procurement)
• Based in Cape Town
• Industry knowledge in mining is a strong advantage
• A mature team-player who is able to build and maintain positive working relationships.

Key Responsibilities:

• Draft, review, and negotiate a wide range of commercial contracts, with a focus on
  procurement contracts
• Ensure contracts comply with legal standards, company/client policies, playbooks and/or industry standards
• Identify and assess legal risks associated with commercial contracts and provide strategic recommendations on risk mitigation
• Ability to analyse complex legal issues
• Lead contract negotiations with third parties, delivering optimal outcomes for clients
• Collaborate effectively with internal teams and external stakeholders
• Strong problem-solving skills and the ability to think strategically in addressing legal and business challenges
• Work seamlessly within a collaborative legal team and handle multiple priorities in a fast-paced environment
• Excellent negotiation, communication, and interpersonal skills
• Ability to adapt to a dynamic environment, handling multiple priorities efficiently.

What We're Looking For:

• A commercial thinker with excellent negotiation and communication skills
• Someone who thrives in complex, high-stakes environments
• A team player with a proactive and professional attitude

Please note that only shortlisted candidates will be contacted. If you do not hear from us within 5 days, please accept that your application was unsuccessful.

Please note that Morae Global Corporation does not engage the services of recruitment agencies, as we are supported by a highly skilled internal global talent team.

The Garrun Group is one of the largest, independent short-term insurance brokers in South Africa. Our purpose is to create comfort, clarity and order in an often complex and uncertain world. We fulfil this purpose by providing simplified yet comprehensive insurance solutions to business owners and individuals, allowing them to continue to operate, while we serve and protect their livelihoods. As we continue to expand, we are seeking a dynamic and motivated Commercial Underwriter to join our team.

Role description

Embarking on a career as a Commercial Underwriter means embracing a role centered on precision and thoughtful risk assessment. As a Commercial Underwriter, you will evaluate potential risks and determine appropriate policy terms, balancing opportunity, and caution. Your responsibilities will include issuing policies, processing renewals, handling endorsements, and responding promptly to client and insurer queries. You will ensure systems are kept up to date and ensure all underwriting processes comply with industry regulations. At the heart of your role is delivering excellent service that empowers clients and strengthens stakeholder relationships. Beyond the day-to-day, you are growing your knowledge, keeping up with industry best practices, and actively managing your own development through regular reviews and Continuing Professional Development (CPD).

Requirements of the role:

• 5 + Years in a commercial underwriter role
• Experience in working with various insurers and commercial products
• Experience within a short-term insurance brokerage preferred
• Analytical Skills and Commercial Underwriting expertise
• Experience across general commercial policies such as SME, Property, Multimark Policies and the like
• Strong attention to detail and problem-solving abilities
• Excellent communication and interpersonal skills
• Ability to work well in a team and independently

Qualifications

• Meets all Fit & Proper requirements as per the FSCA (i.e. no longer under supervision)
• RE5, Class of Business, Insurance related qualification

Why Join Us?

• Opportunity to work with a dynamic and professional team.
• Professional growth and development opportunities.
• Company culture characterized by care and growth
• Supportive environment that is values-driven
• Discretionary leave (up to 5 additional days) so that you can take the time to reset
• Market-related salary with benefits

If you are interested in this role, please apply via LinkedIn and include your CV in the application.

Shortlisted candidates will be contacted, and an interview will be arranged. If you do not receive any feedback within 10 working days, please deem your application to be unsuccessful.

Role Purpose:

To provide management accounting and commercial support and insight regarding regional agricultural operations and to manage the commercial aspects of contract growers in the region.

Required Qualifications:

• B.Com, CIMA or CA(SA)

Required Experience:

• 5 - 7 years management accounting experience (articled or otherwise),
• People management and some exposure to processing or manufacturing environments

Key responsibilities:

Annual Budgeting and Quarterly/ Monthly Forecasting

• Coordinate the annual budgeting and quarterly forecasting processes for the regional agricultural operations in accordance with the national time scheduling and guidelines.
• Consolidate regional Agriculture budgets and forecasts.
• Ensure completion and reasonableness of departmental budgets and forecasts.
• Ensure completion of regional Agriculture capex budgets, including collation of information and liaison with operations.
• Report key performance indicators on a daily/weekly/monthly basis.
• Report financial performance of the regional agriculture function on a monthly basis in the agreed format that will include commentary on key performance areas.
• Calculate returns on investment for proposed budgeted capital projects in order to assist management with the prioritisation of capex, and ensuring that capital budgets are aligned with Group allocations of funds.
• Report the budgets and forecasts according to the formats supplied by National Office.
• Interpret the final outcome of the budgets and forecasts ensuring that they reflect the strategic objectives of the business and initiating changes where necessary.

Production Costing and Margin Improvement

• Maintain a close working relationship with the National Management Accounting team to ensure that the standard cost of various products are accurately maintained on the MACS system by the national team.
• Continuously analyse and audit the standard costs of products to ensure that they are accurately maintained and that they reflect the cost of the production processes.
• Continuously benchmark the standard cost of feed.
• Analyse variance reports of actual cost vs. standard cost on a monthly basis and highlight variances to management.
• Maintain a close working relationship with the regional sales team highlighting cost changes in order for them to proactively take corrective action to optimise margins.
• Track product and customer profit margins by using standard monthly.

Cost Control

• Analyse costs against budget/forecast and investigate variances on a monthly basis.
• Continuously consider cost saving opportunities or areas where waste/inefficiencies can be eliminated and influence corrective action by line management.
• Review and authorise contract grower payments.
• Set egg prices for the farm shop.
• Set and document egg and depleted breeder prices.

Capex Management

• Identify capex opportunities to unlock profit of the operations within the context of Group capex requirements and strategy.
• Prepare and follow up on capex motivations.
• Prepare post capex reviews.
• Review capex applications and ensure ROI requirements are met.
• Comply with capex applications and procure to payment processes (payments must comply with approved bills of work).
• Evaluate capex vs. maintenance decisions by applying company guidelines and accounting practices.

Stock Control

• Investigate raw material and finished goods stock variances and take corrective action.
• Assess the stock control procedures on a continuous basis ensuring proper internal controls.

Information and Data Management

• Ensure team members accurately and regularly capture data into the information system to enable access to reliable data and reporting for trend analysis and decision making.
• Share relevant data with management teams to enable reliable business decision making.

Monthly and Annual Reporting/ Review

• Analyse cost centre cost variance reports.
• Assist Agriculture managers to optimise efficiencies.
• Review daily, weekly and monthly KPI reports ensuring accurate and timeous information.
• Measure, analyse and explain KPI fluctuations and variances.
• Report on strategic commercial scenarios.
• Prepare stock movements summaries.
• Review cycle costing and feedback to the Agriculture team.
• Review preliminary GL reports to ensure accurate cost allocation.

Functional Strategy into Action Contribution

• Work in conjunction with the Regional Commercial Executive, Regional Agriculture Executive and the Regional Director to co-create the regional strategy, based on a 1 to 5 year view of requirements.
• Communicate operational capacity required over both the medium term and longer term plan, required asset utilisation and capex requirements for Agriculture processes accordingly.
• Work closely with the cross functional teams to ensure the delivery of an integrated supply chain benefit.
• Suggest improvements to annual functional Strategy into Action plan and participate in the compilation of the regional finance teams' contribution to the plan.
• Ensure that the agreed SIA is implemented through team targets and that these targets align cross functionally within area of responsibility.

Ancillary support

• Participate in region-specific projects that require financial input.
• Attend capex meetings to ensure financial aspects of capex projects are timeously adhered to.

Rustenburg

Published Date: 13 August 2025

Closing Date: 28 September 2025

Provide stakeholders with effective and efficient commercial lines underwriting services according to the required standards and procedures in order to retain existing clients and secure new business in support of the business strategy.

Financial:

• Take appropriate action to minimise cancellations
• Ensure retention targets are met

Client:

• Ensure that all stakeholder (e.g. clients, AE's, insurers) communication is accurate, timeous, professional and relevant
• Build and maintain mutually beneficial relationships with internal and external stakeholders
• Ensure and contribute to achieving own and company required client satisfaction targets

Business Processes:

Adhere to company quality standards, process and broader regulatory frameworks wrt the following processes (but not limited to):

• General Enquiries such as but not limited to cover, products, processes etc
• New Business, Renewals, Endorsements and Re-broke
• Cancellations
• Ensure productivity targets are met
• Adhere to company mandates
• Participate and contribute in ad hoc projects
• Keep accurate record of own activities

Learning and Growth:

• Live the RBS values
• Ensure continuous self-development
• Ensure objectives of own development plans are achieved
• Ensure productivity and quality assurance targets are met

Minimum Qualifications and Skills:

• RE5
• FAIS Compliant (credits and/or full qualification)
• Excellent communication skills
• Excellent customer services skills
• Attention to detail

Minimum Experience:

• a minimum of 3 years' experience as a Commercial Lines Underwriter (medium to large Commercial)
• a minimum of 3 years experience at a Short Term insurance brokerage

Job Title: Commercial Underwriter

Location: Sunninghill, Johannesburg

Employment Type: Full-Time, Office-Based

Start Date: Urgent – Immediate availability preferred

About the Role: We are seeking an experienced Commercial Underwriter to join our team. The ideal candidate will have a minimum of 5+ years of underwriting experience at brokerage level, with strong technical knowledge and the ability to work in a fast-paced, client-focused environment. Exposure to Engineering, Marine, and Goods in Transit (GIT) classes of business would be a strong advantage, but not essential.

Key Responsibilities

* Underwriting and servicing of commercial lines policies.

* Reviewing, analysing, and structuring insurance solutions to meet client needs.

* Ensuring compliance with FAIS, POPIA, and internal brokerage standards.

* Preparing quotations, renewals, policy schedules, and endorsements.

* Communicating effectively with insurers, clients, and colleagues to resolve queries and finalise placements.

* Maintaining accurate records and reporting using brokerage systems.

Requirements

* 5+ years commercial underwriting experience (brokerage level essential).

* Fully accredited and fit & proper as an Authorised Representative under FAIS.

* Strong proficiency in Microsoft Excel and general computer literacy.

* Exposure to the following systems will be a major advantage: Ilanga/Pursuit, Tial, MMX, & FSP HubGood written and verbal communication skills.

* Strong numeracy and analytical ability.

* Ability to work independently and as part of a team.

What We Offer

* Competitive remuneration package based on experience.

* Opportunity to work with a dynamic brokerage in a supportive and professional environment.

* Exposure to a wide variety of commercial risks and specialist lines.