The posting
Job Description
We are looking for a highly experienced and proactive Senior Underwriter to lead complex risk assessment and underwriting activities, provide technical guidance and support to underwriting teams, and contribute to the achievement of departmental objectives while maintaining sound portfolio management and service standards.
About Guardian General Insurance Limited
Guardian General Insurance Limited is a leading property and casualty insurance company dedicated to providing comprehensive coverage and exceptional service to our clients. With a commitment to integrity and innovation, we strive to protect what matters most to our customers and communities.
JOB OVERVIEW:
The Senior Underwriter - Client Relations /Business Development develops, sustains, and manages positive Relationships with the Clients and Producers, to secure new business, retention of existing business, enhances existing portfolios and customer experience. He/she is also responsible for underwriting all classes of business and signing slips within their authority limits whilst at the broker office.
JOB RESPONSIBILITIES:
1. Risk Assessment
• Conduct risk assessment/appraisal of both complex and non-complex new business and renewal risks which includes accepting or declining the risk, determining most appropriate rates, terms and conditions.
• Apply due diligence checks and background research on clients and their risk to be covered
• Liaise with the overseas partners to place Facultative Insurance and Special Acceptance placement for risk outside GGIL’s reinsurance treaties
• Prepare / Provide Quotations/New Business/Renewal Reviews/Renewals/Amendments within GGIL’s underwriting guidelines, standard operating procedures, approved underwriting limits of authority and reinsurance treaties
• Reviewing of policies and ensuring all notices and renewal listings are sent out in accordance with guidelines prior to renewal date
• Review and discuss Renewals with all Stakeholders to achieve retention target
• Follow up with clients or producers on renewals
• Conduct portfolio analysis and analysis on assigned accounts to monitor performance.
2. Receivables Management
• Act as liaison between the company and the clients and/or producers for collection of premiums.
3. Relationship Management
• Provide general guidance to producers and/or clients on all underwriting matters.
• Act as liaison between the company and the producer and/or clients to facilitate the easy delivery of policies and other correspondence and collection of premiums.
• Accompany underwriters or up-line to producers and/or clients for meetings.
• Provide general guidance to producers and/or clients on basic claims procedures and assist with the completion of claim reports when necessary.
• Communicate changes to business practices, procedures, and policies when required.
• Advise management of any associated problems as and when they occur when liaising with Producers and or clients and recommend solutions.
• Keep abreast of market changes to make more informed recommendations on clients’ needs or changes to business operations.
• Collect and deliver documents to producers and/or customers.
• Sales management to build relationships with producers and/or clients and internal staff, daily.
4. Loss Control
• Conduct loss control surveys in absence of Loss Control Officer.
5. Perform any other job-related duties as assigned by the Team Leader/Manager
EDUCATION & EXPERIENCE:
• Associate Degree or equivalent experience
• 5 O’ levels including Maths and English
• 2 A levels/CAPE
• Mandatory State licensing or CII Insurance Certificate.
• ACII Diploma, BSC in Risk and Insurance or IIA Insurance Designations such as ARM, AINS or any other acceptable qualification
• A minimum of 8 years underwriting experience in Property (personal and commercial) & Casualty Insurance with at least 2 years in producer/client relations.
ADDITIONAL REQUIREMENT:
As a regulated entity with obligations under the Know Your Employee guidelines, a Certificate of Character is required.
PERSON SPECIFICATION:
Senior Underwriter - Client Relations /Business Development must possess a keen sense of customer service and good business acumen. He/ she must possess a positive, friendly and confident attitude, have the ability to operate and contribute positively in a team-based environment and take initiative; as evidenced by the ability to self-manage, organize and prioritize work. He/ She must possess excellent written and oral communication skills, demonstrate good negotiating skills and have the ability to effectively manage multiple priorities in a fast-paced environment.
