61 Senior Underwriting jobs in South Africa

Position: Underwriting Consultant

Salary: Market related

Location: Sandton, Johannesburg

Job type: Permanent

Industry: Financial Services / Insurance

Reference Number: MJ.UC.BR.15082025

COMPANY DESCRIPTION:

Our client is a dynamic and vibrant player in South Africa’s financial services industry with their head office based in Sandton. They are looking for an experienced Underwriting Consultant to join their team as soon as possible.

JOB DESCRIPTION:

As a member of their team, the primary focus of your role will include driving the formulation and implementation of the risk model and claims philosophy, analysis of claims and other data to recommend and implement changes to the risk model, sanctioning new risk strategies, managing relationships and policies with the reinsurers, creating training material and educate risk consultants on industry trends, standards and risk management skills, assisting with the definition of operational processes related to risk management. Your role may change over time, depending on your performance, your needs and the business’ needs.

MAIN DUTIES & RESPONSIBILITIES:

• Receive underwriting requirements from clinical
• Synopsis the requirements received and use internal and external guides to make the final decision regarding cover
• Underwriting of new business policies, group risk policies and servicing cases
• Communicate with Financial advisors and distribution specialist regarding decision making for underwriting
• Handle queries regarding premiums
• Assess risk on life cover, serious illness cover, Disability cover etc.
• Adhering to Risk Management (underwriting) rules, rating, and insurance laws and regulations
• Make decisions regarding the acceptance, price and policy terms and condition that are consistent with business Risk Management and ensuring a profitable loss rate.
• Manage and resolve queries received from various stakeholders including doing the necessary follow up work.
• Develop and maintain effective working relationships with internal and external customers. Communicates openly and within a timeframe

EDUCATIONAL REQUIREMENTS:

• Grade 12 (Essential)
• Relevant tertiary qualification; a medical diploma/degree beneficial

EXPERIENCE AND SKILLS REQUIRED:

• Minimum 2-3 years’ experience as a Life Insurance Medical Underwriter
• Experience in Individual life insurance product i.e. Life Cover, Permanent Disability Cover, Temp Income Cover and Critical Illness
• Sound Business and Operational knowledge of Insurance Industry administrative processes
• Good knowledge of the business administration platforms
• Familiar with Compliance Processes and Procedures in the Insurance Industry
• Experience in underwriting temporary (income protector) and permanent disability, critical illness as well with signing authority (Essential)
• Decline excessive risks or impose additional conditions or increase premiums for high risk.
• MS Office and PC literate
• Accurate Typing Skills
• Excellent verbal and written communication skills
• Quality driven
• Ability to pay attention to detail as accuracy is important
• Using effective interpersonal skills to resolve conflict situations
• Ability to work effectively with others and contribute to team task accomplishment
• Ability to multi-task and manage multiple priorities
• Have the ability to operate effectively under pressure
• Task and deadline orientated
• Analytical mind and above average problem solving techniques
• Strong sense of ownership
• Pro-active and innovative
• Relationship Management

TO APPLY FOR THE POSITION, PLEASE FOLLOW THE LINK BELOW:

POPIA

By Submitting your CV, you confirm that:

1. We may retain your personal information in our database for future matching.
2. We may contact you when suitable opportunities arise.
3. The information you have provided to us is true, correct and up to date.

We endeavour to reply to each and every application, however, should you not hear back from us within 14 days please consider your application unsuccessful.

We’re looking for an Underwriting Administrator to join our dynamic Credit Life Underwriting department, where every decision counts and every client matters.

Salary: R25 000 per month.

Role Purpose:

To manage and administer the underwriting process for life insurance applications by assessing risk, conducting tele-underwriting, and ensuring all decisions and records are handled accurately and efficiently.

The Underwriting Administrator ensures compliance with underwriting standards, delivers service excellence to clients and colleagues, and contributes to a smooth and professional onboarding experience for new policyholders—supporting commitment to Treating Customers Fairly (TCF) and operational excellence.

The role requires a minimum of2 years’ experience in life insurance underwriting, withmedical underwritingbeing strongly preferred. This means the candidate should have worked specifically withindividual life insurance policies(not group or corporate benefits) and have been involved in assessing personal medical information—such as health history or medical exams—to make informed decisions about whether to approve or decline policies, and at what premium.

We are therefore seeking someone withindividual life insurance underwriting experience, who is confident in making final underwriting decisions.

Requirements:

Education:

• Matric (Grade 12) required
• Tertiary qualification in a medical field is advantageous

Experience:

• Minimum 2 years in life insurance underwriting (medical underwriting preferred)
• Familiarity with tele-underwriting and use of SwissRe underwriting manual

Skills:

• Intermediate MS Office (Excel, Word, Outlook)
• Strong attention to detail and accuracy
• Excellent communication, time management, and organizational skills
• Ability to manage workloads under pressure and meet daily targets

Attributes:

• Client-focused with a service excellence mindset
• Proactive, self-motivated, and solutions-oriented
• Team player with a strong sense of accountability
• Commitment to Treating Customers Fairly (TCF) principles

Duties & Responsibilities:

• To adhere to the standard underwriting process and guidelines.
• To extract the days underwriting cases and to accurately process all underwriting cases within the SLA agreement of 24 to 48 hours.
• To contact the identified potential clients and to do the tele-underwriting and to make the appropriate underwriting decisions by using the SwissRe underwriting manual within the stipulated turnaround time.
• To be professional and to provide a high level of service excellence when interacting telephonically with clients relating to their application and with the sales agents and other colleagues.
• To update the underwriting source file with the decision made and to inform the relevant sales agent accordingly.
• To ensure that all the daily underwriting admin work is correctly carried out by double checking that the workflow records have been updated, decision recorded, and the form saved to the client folder.
• To send the declined communication to clients whose applications were unsuccessful.
• To resolve 20 underwriting cases per day.
• To resolve undelivered communications relating to a client’s policy by contacting the client and updating the contact details when the underwriting cases are insufficient to meet your daily target.
• Upload underwriting decision and underwriting form to the client record on the system.
• To ensure that you respond to and resolve underwriting requests with the maximum TAT of 48 hours.
• To notify your manager of any priority issues, queries for escalation or complaints received.
• To be creative and use your initiative in resolving outstanding cases so that the underwriting decision can be finalised.
• Think of working smarter and of ways to improve the process and to add value to the client’s new business policy on boarding experience.
• You are responsible to ensure that you fully understand the relevant insurance products, the administration processes, and the systems so that you can operate efficiently and are competent in your job as an underwriter.
• To daily maintain your workflow Inbox tasks and any stat records for workflow management.
• To identify any additional training needs to be provided to the sales agents relating to the Asset Life credit protection product and to identify any improvement in the underwriting business process.

Competencies:

• Minimum 2 years in life insurance underwriting (medical underwriting preferred)
• This means experience working with life insurance policies that are sold to individuals (not part of a group or company benefit) and handled the process where the insurance company reviews a person’s health information—like medical exams or history—before deciding whether to approve the policy and at what cost.

Technical Proficiency:

• Strong knowledge of life insurance underwriting and policy administration
• Skilled in using systems (e.g., OWLS) and MS Office tools

Accuracy & Decision-Making:

• High attention to detail
• Sound judgment in assessing risk and resolving cases
• Excellent time management under strict deadlines

Communication & Client Service:

• Clear and professional verbal/written communication
• Customer-focused with a commitment to service excellence and TCF principles
• Effective collaboration with team members and sales agents

Behavioral Strengths:

• Proactive and self-motivated
• Resilient under pressure
• Accountable and eager to improve processes and outcomes

Underwriting Assistant

Job Location: Remote to start, potential for hybrid (Foreshore) three days in-office, two days remote

Working Hours: 9:00 AM 6:30 PM SA Time

Reporting to: Risk Manager

Salary: R18,000 - R30,000 per month (dependent on experience)

About the Role

We are seeking a highly organized and detail-oriented Underwriting Assistant to join our dynamic team. This role is critical in supporting the underwriting team by managing loan applications, conducting initial due diligence, and ensuring compliance with regulatory standards. The ideal candidate will have strong multitasking abilities, excellent communication skills, and thrive in a fast-paced environment.

Key Responsibilities

• Manage the collation of funding applications and compile supporting documentation for underwriting review.
• Conduct initial due diligence on complex financial matters and prospective borrowers.
• Compile schedules of assets and maintain accurate records.
• Communicate professionally with solicitors and borrowers via email and telephone to ensure all required documentation is received.
• Ensure compliance with regulatory policies, including AML and data protection, in line with FCA regulations.
• Provide regular updates to senior team members regarding application statuses across multiple cases.
• Keep borrowers and solicitors informed on the progress of their applications.
• Prepare and collate executed loan documentation.

Key Skills & Experience

• Excellent written and verbal communication skills, with the ability to engage professionally with solicitors and senior management.
• High emotional intelligence and the ability to communicate appropriately with potentially vulnerable clients.
• Strong organizational skills and the ability to manage a large number of cases effectively.
• Ability to work under pressure and handle variable workloads in a fast-paced environment.
• Analytical mindset with a willingness to develop expertise in probate and family law funding, with the potential to train in loan underwriting.
• Self-starter with a proactive attitude who thrives in a busy and evolving business setting.

Preferred Qualifications & Experience

• Minimum of two years experience in financial services, complex lending, or the legal sector.
• Exposure to litigation or knowledge of UK FCA regulations is beneficial but not required.
• Background in law is helpful, though not essential strong case management skills are key.
• Ability to adapt to change and pivot effectively in a dynamic environment.

If you are ready to take on a challenging and rewarding role with opportunities for professional growth, we encourage you to apply.

Our client in the short term insurance sector is looking for an Underwriting Administrator to join their team.This role is ideal for a detail-oriented and proactive individual with strong administrative skills, good systems knowledge, and a willingness to learn and grow within the industry.

The client is open to training the right person, making this a fantastic opportunity for a junior or mid-level candidate with administrative experience and some exposure to short-term insurance , supported by relevant qualifications. Preference will be given to applicants who already have industry experience .

Responsibilities:

• Provide administrative support to the underwriting team.
• Assist in the preparation and processing of policy documentation, renewals, and endorsements.
• Capture and update client and policy information accurately on internal systems.
• Liaise with brokers, clients, and insurers to obtain required documentation or follow up on outstanding information.
• Ensure compliance with underwriting guidelines and internal procedures.
• Maintain accurate records and manage electronic filing systems.
• Support in handling queries and ensuring timely communication between internal departments.

Requirements:

• Matric (Grade 12) is essential.
• A relevant short-term insurance qualification (e.g., RE 5, FAIS credits, NQF Level 4 in Short-Term Insurance) is highly advantageous .
• Previous administrative experience in a professional environment.
• Exposure to or experience in the short-term insurance industry is preferred.
• Proficient in MS Office and comfortable working on internal insurance systems.
• Strong attention to detail and organisational skills.
• Excellent communication skills, both written and verbal.
• A proactive and willing attitude with a strong desire to learn and grow.

This would suit an individual that is:

• Self-motivated and eager to develop within the short-term insurance space.
• Able to handle pressure and meet deadlines with accuracy.
• Adaptable and tech-savvy, with a process-driven approach.
• Team player who takes initiative and ownership of tasks.

Suitable applications to be emailed to

Note: Only shortlisted candidates will be contacted.

Our client, a dynamic and vibrant player in South Africa’s financial services, is seeking a Underwriting Consultant join their team.

Location: Johannesburg - Sandton

Job type: On-site

Duties and Responsibilities

• Receive underwriting requirements from clinical
• Synopsis the requirements received and use internal and external guides to make the final decision regarding cover
• Underwriting of new business policies, group risk policies and servicing cases
• Communicate with Financial advisors and distribution specialist regarding decision making for underwriting
• Handle queries regarding premiums
• Assess risk on life cover, serious illness cover, Disability cover
• Adhering to Risk Management (underwriting) rules, rating, and insurance laws and regulations
• Make decisions regarding the acceptance, price and policy terms and condition that are consistent with business Risk Management and ensuring a profitable loss ratio.
• Manage and resolve queries received from various stakeholders including doing the necessary follow up
• Develop and maintain effective working relationships with internal and external customers.

Minimum Requirements

• Minimum 2-3 years’ experience as a life insurance medical underwriter
• Experience in Individual life insurance product i.e. Life cover, Permanent Disability cover, Temp Income Cover and Critical Illness
• Sound Business and Operational knowledge of Insurance Industry administrative processes
• Good knowledge of the business administration platforms
• Familiar with Compliance Processes and Procedures in the Insurance Industry
• Experience in underwriting temporary (income protector) and permanent disability, critical illness as well with signing authority (Essential)
• Decline excessive risks or impose additional conditions or increase premiums for high risk
• MS Office and PC literate
• Accurate Typing Skills

Skills Required

• Excellent verbal and written communication skills
• Ability to pay attention to detail as accuracy is important
• Interpersonal skills
• Able to multi-task and manage multiple priorities
• Ability to operate effectively under pressure
• Task and deadline orientated
• Analytical mind and above average problem solving techniques

Should you wish to be considered for this opportunity, please apply directly to the advertisement. Should you not hear back from us within 2 weeks of application, kindly consider your application as unsuccessful

Underwriter

Join a Dynamic Legal and Financial Services Team Remote Start, Hybrid Foreshore Option

Financial services & legal sector | R25,000R35,000/month | July/August Start

About Our Client

Our client is an innovative and rapidly growing company providing specialist financial products to clients navigating complex legal and probate matters. With a strong commitment to ethical funding and client care, the team prides itself on balancing commercial goals with genuine impact. The company fosters a collaborative, fast-paced environment where initiative, integrity, and adaptability are highly valued.

The Role: Underwriter

We are looking for a diligent and detail-oriented Underwriter to support a high-performing underwriting team. This pivotal role involves managing and coordinating funding applications, performing initial due diligence, and ensuring adherence to FCA-aligned compliance standards. Reporting to the Risk Director, the successful candidate will play a key role in helping borrowers access funding with clarity and care.

Key Responsibilities

• Manage the collation of funding applications and supporting documents for underwriting.

• Conduct initial due diligence on complex financial scenarios and client backgrounds.

• Compile schedules of assets and maintain up-to-date records.

• Liaise with solicitors and borrowers via email and phone to gather required documentation.

• Ensure compliance with FCA regulatory policies, including AML and data protection.

• Provide ongoing updates to senior stakeholders on multiple active loan cases.

• Keep external parties informed on the progress of their applications.

• Assist with the preparation and collation of executed loan documentation.

About You

• Minimum 2 years' experience in financial services, complex lending, or the legal sector.

• Strong case management and organizational skills with a proactive approach.

• Excellent written and verbal communication; confident engaging with senior stakeholders and legal professionals.

• High emotional intelligence and tact when dealing with vulnerable clients.

• Able to manage multiple cases under pressure in a dynamic environment.

• Analytical mindset with an interest in developing underwriting skills.

• Background in law or exposure to litigation/FCA regulation is a plus, not a must.

• Comfortable with change and capable of pivoting quickly in a fast-evolving setting.

Location & Working Hours

• Remote to start, with potential hybrid setup: 3 days in-office (Foreshore), 2 days remote

• Working hours: 9:00 AM 6:30 PM SAST

If you're ready to contribute to a purpose-led team and grow your career in underwriting and legal finance, apply now.

Our client in the Financial Services Industry is looking for a Underwriting Executive. Your:

Formal Education:

• Completion of the NQF Level 5 qualification.
• Successful completion of the RE 5 Examination Level 1.

Experience:

• A minimum of five (5) years' working experience within the Insurance industry.
• A minimum of three (3) years' experience in an underwriting management position.
• Proven experience in people management.
• Prior experience in managing underwriter performance, growth, and sustainability.
• Experience operating at a managerial level in the short-term insurance industry is a must.
• Proven track record of conducting high-level negotiations.

Verbal and written communication, in English and Afrikaans, at all levels.

will enable you to do the following:

Processes:

• High-Level Operational Oversight and Complex Risk Management.
• Provide strategic guidance to the team in line with corporate vision and organisational goals, effectively communicating their implications.
• Focus primarily on managing complex risk placement, liaising with internal and external stakeholders as required.
• Evaluate and report on the units performance to the COO, setting realistic goals and managing capacity.
• Oversee adherence to compliance standards and work towards optimising processes to ensure the quality of service.
• Engage in strategic projects and operational improvements to enhance underwriting practices.
• Uphold and maintain quality standards that promote client satisfaction and cost efficiency.

People:

• Team Management and Development.
• Foster a positive work environment that supports the professional growth and development of team members.
• Ensure high staff morale, effectively managing internal and external relationships.
• Motivate and lead underwriters, building and maintaining a cohesive team.
• Promptly address operational performance issues and escalate irresolvable problems to the COO.

Client Service Excellence:

• Provide strategic support to the sales team in acquiring and retaining profitable business.
• Ensure the prompt resolution of customer queries/complaints, maintaining open lines of communication during the process.
• Implement work routines that align with operational plans, effectively managing service delivery goals.
• Oversee the correction of unprofitable policies and ensure that policies are not overexposed.

Technology:

• Continuous Improvement and Efficiency.
• Drive changes aimed at improving operational effectiveness and efficiency.
• Deliver periodic reports on performance and potential improvements to the COO.
• Identify and recommend areas or ways to enhance processes and procedures.

Our client in the Financial Services Industry is looking for a Underwriting Executive. Your:

Formal Education:

• Completion of the NQF Level 5 qualification.
• Successful completion of the RE 5 Examination Level 1.

Experience:

• A minimum of five (5) years' working experience within the Insurance industry.
• A minimum of three (3) years' experience in an underwriting management position.
• Proven experience in people management.
• Prior experience in managing underwriter performance, growth, and sustainability.
• Experience operating at a managerial level in the short-term insurance industry is a must.
• Proven track record of conducting high-level negotiations.

Verbal and written communication, in English and Afrikaans, at all levels.

will enable you to do the following:

Processes:

• High-Level Operational Oversight and Complex Risk Management.
• Provide strategic guidance to the team in line with corporate vision and organisational goals, effectively communicating their implications.
• Focus primarily on managing complex risk placement, liaising with internal and external stakeholders as required.
• Evaluate and report on the units performance to the COO, setting realistic goals and managing capacity.
• Oversee adherence to compliance standards and work towards optimising processes to ensure the quality of service.
• Engage in strategic projects and operational improvements to enhance underwriting practices.
• Uphold and maintain quality standards that promote client satisfaction and cost efficiency.

People:

• Team Management and Development.
• Foster a positive work environment that supports the professional growth and development of team members.
• Ensure high staff morale, effectively managing internal and external relationships.
• Motivate and lead underwriters, building and maintaining a cohesive team.
• Promptly address operational performance issues and escalate irresolvable problems to the COO.

Client Service Excellence:

• Provide strategic support to the sales team in acquiring and retaining profitable business.
• Ensure the prompt resolution of customer queries/complaints, maintaining open lines of communication during the process.
• Implement work routines that align with operational plans, effectively managing service delivery goals.
• Oversee the correction of unprofitable policies and ensure that policies are not overexposed.

Technology:

• Continuous Improvement and Efficiency.
• Drive changes aimed at improving operational effectiveness and efficiency.
• Deliver periodic reports on performance and potential improvements to the COO.
• Identify and recommend areas or ways to enhance processes and procedures.