SME - Insurance Underwriter

Job Description

Role Purpose

The Underwriter will be responsible for evaluating risks, analyzing insurance proposals, and ensuring accurate underwriting decisions to support corporate insurance business across commercial lines.

Key Responsibilities

Underwriting Risk Assessment

• Evaluate insurance proposals and assess risk exposure.
• Analyze client profiles, financials, and coverage requirements.
• Review policy terms, conditions, and pricing structures.

Insurer Coordination

• Liaise with insurers for quotations, negotiations, and approvals.
• Ensure timely turnaround for underwriting decisions.
• Maintain strong relationships with insurance partners.

Technical Support

• Provide underwriting guidance to sales teams.
• Assist in policy structuring and coverage optimization.
• Support complex and large corporate risk cases.

Process Management

• Ensure smooth policy issuance and documentation.
• Maintain underwriting records and compliance standards.
• Monitor turnaround time and process efficiency.

Required Skills Qualifications

• Graduate (Insurance certification preferred).
• 3-6 years experience in General Insurance underwriting.
• Strong knowledge of commercial insurance products such as:

• Fire, Marine, Property, Liability, Engineering, Fleet, GPA, GMC.
• Excellent analytical, negotiation, and communication skills.

Key Competencies

• Risk Analysis
• Technical Underwriting Knowledge
• Attention to Detail
• Relationship Management
• Decision-Making Ability

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