## Underwriter-1Applylocations: Johannesburgtime type: Full timeposted on: Posted Todaytime left to apply: End Date: June 5, 2026 (7 days left to apply)job requisition id: R42542# **Job Description**To perform assessment on complex life insurance applications based on medical, occupation, avocation, travel and financial information, ensuring adherence to underwriting guidelines.Hello Future **Underwriter III,**Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen. As part of our team in **FR Life Assurance,** you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious. Now’s the time to imagine your potential in a team where experts come together and ignite effective change.**Are you someone who can:*** Conduct tele interviews or tele-underwriting.* Manage medical, occupation, part-time activities, travel and Financial Underwriting standard and substandard cases for: Disability and Critical Illness Underwriting, Income Protection, Business Cover, Group Risk, Alterations and Queries.* Ensure placement of cases according to reinsurance treaty and internal guidelines.* Liaise with planners/Business Development Manager on special terms, queries, presales and underwriting refreshers sessions with the front liners.* Ensure resolution of underwriting enquiries and high priority cases.* Drive and ensure involvement in Chief medical Officer sessions and other Underwriting training presentations (i.e., Case Studies, Sales training).* Ensure underwriting - medical queries and tasks allocated are resolved timely and effectively by providing first time resolution on enquiries.* Ensure accurate completion of documentation as per departmental guidelines to meet client needs and effectively utilize IT systems to ensure accuracy of documentation.* Ensure adherence to organizational best practice and legislative requirements. Adhere to policies and procedures and take corrective action where necessary.* Ensure all risks to the company are mitigated, identified, and escalated where necessary.* Maintain a broad product knowledge to respond to customer queries effectively and accurately.* Stay abreast on industry regulations, trends and best practices in underwriting.* Approve and countersign cases above the acceptance limits of the underwriter.* Provide coaching and mentorship to junior staff in the team to ensure optimal performance of the team and knowledge sharing.* Actively anticipate and identify opportunities for improvements to our processes and procedures.* Proactively solve problems, and recognize risk exposures, manage and escalate these where appropriate.* Assess all applications not accepted by the online underwriting engine – initial applications, additional information and policy alterations.* Provide fair and balanced underwriting decisions using the appropriate amount of evidence necessary.**You will be an ideal candidate if you have:*** Grade 12- NQF Level 4* 5+ Years relevant medical training or previous medical underwriting at an advanced level* 5 Plus years of proven experience as an Underwriter in the life insurance industry* A proven working or higher- level knowledge of lump sum disability and critical illness, incomes protection, business cover and group risk* Knowledge of insurance products, regulations and underwriting guidelines and current practices* Experience in working with underwriting systems and tools* Be competent in interpretation of doctor’s reports, medical results and risks link to abnormalities of these* Assessment of medical, financial and occupational underwriting risk of an organization* Proven experience as an underwriter in life insurance industry**You will have access to:*** Opportunities to network and collaborate* A challenging working environment that is progressive and agile* Opportunities to innovate where initiative is taken and owned end to end**We can be a match if you have the following:*** Adaptable and curious* Have a proven successful track record.* Thrive in a collaborative environment.* Detail-oriented* Proactive and accountable* Calm under pressure* Collaborative mindset* Flexible and adaptable in a dynamic work environment**Apply now if you are interested in taking the next step. We look forward to engaging with you!**#J-18808-Ljbffr