Underwriter (3 of 3) |

Insurance Underwriter

Employment TypeFull-TimeSeniority LevelSenior Individual ContributorLocationRemote ( Open to South Africans)Working hours9am -6pm CSTCompensation:$2500- $3500 Per Month depending on experience.. ($4000 for exceptional candidate with over 10 years experience)About the Role

A growing insurance organization specializing in high-value personal property coverage is seeking an experienced Underwriter to join its underwriting team. This role is ideal for a seasoned underwriting professional who thrives in a fast-paced environment, exercises strong judgment, and can independently manage complex underwriting decisions with minimal oversight.

The successful candidate will take ownership of a full underwriting workload, evaluating referred applications, appraisals, photographs, and customer risk profiles to ensure accurate coverage decisions and appropriate insured values. This role requires a strong balance of analytical thinking, risk assessment, customer communication, and documentation accuracy.

This is an excellent opportunity for someone who enjoys working within a modern, technology-driven insurance environment while contributing to underwriting quality, operational improvements, and customer experience.

Key Responsibilities
* Review referred quotes and insurance applications to evaluate risk exposure and make sound underwriting decisions
* Document underwriting rationale and decision-making processes clearly and thoroughly for auditability and future reference
* Review appraisal reports, photographs, and supporting documentation submitted for new and existing policies
* Assess documentation authenticity, completeness, and overall acceptability
* Determine appropriate insured values by evaluating appraisals, requested coverage limits, and internal pricing tools
* Initiate pricing verification or price checks when discrepancies or concerns are identified
* Conduct comprehensive risk reviews, including:Decline history checksCancellation history reviewsLoss history evaluationsAssessment of primary and additional insured parties
* Decline history checks
* Cancellation history reviews
* Loss history evaluations
* Assessment of primary and additional insured parties
* Identify underwriting red flags across:Applicant profilesInsured itemsSupporting documentation
* Applicant profiles
* Insured items
* Supporting documentation
* Execute underwriting decisions, including:Issuing policiesRequesting additional informationAdjusting coverage limitsRecommending cancellationsEscalating files when necessary
* Issuing policies
* Requesting additional information
* Adjusting coverage limits
* Recommending cancellations
* Escalating files when necessary
* Escalate complex, high-risk, or out-of-authority cases to management with detailed recommendations and supporting context
* Communicate directly with customers through phone, email, and chat to:Resolve documentation issuesAnswer policy and coverage questionsAddress eligibility inquiriesAssist with billing-related concerns
* Resolve documentation issues
* Answer policy and coverage questions
* Address eligibility inquiries
* Assist with billing-related concerns
* Partner closely with underwriting assistants responsible for file pre-processing by reviewing work quality and providing constructive feedback
* Participate in team discussions related to:Risk appetiteProduct developmentUnderwriting operationsProcess improvement initiatives
* Risk appetite
* Product development
* Underwriting operations
* Process improvement initiatives
* Adapt quickly to proprietary underwriting systems and internal tools

Required Qualifications
* 8+ years of underwriting experience within personal lines property insurance
* Proven ability to independently make underwriting decisions, including:Issue decisionsDecline decisionsCancellation decisions
* Issue decisions
* Decline decisions
* Cancellation decisions
* Strong experience identifying risk indicators across complete applicant profiles
* Direct customer communication experience via phone, email, and chat
* Excellent written communication and documentation skills
* Ability to clearly articulate underwriting rationale and recommendations
* Comfortable working within proprietary technology platforms and learning new systems quickly
* Strong analytical thinking and decision-making skills
* Ability to perform effectively in fast-paced, high-volume underwriting environments
* Bachelor’s degree or equivalent professional underwriting experience

Preferred Qualifications
* Experience underwriting:Jewelry insuranceWatchesFine artHigh-value personal property or valuables
* Jewelry insurance
* Watches
* Fine art
* High-value personal property or valuables
* Familiarity with appraisal evaluation and validation processes
* Ability to recognize credentialed appraisers and identify common appraisal inconsistencies or pitfalls
* Previous experience working within InsurTech or digitally-native insurance environments
* Property & Casu