Job Description

Role Purpose:
To underwrite and manage a portfolio of sectional title and community scheme insurance policies by evaluating risk, setting appropriate terms, and delivering a high standard of client service. This includes new business, renewals, and endorsements across residential and mixed-use property schemes.
Key Responsibilities:

• Assess and underwrite new applications for sectional title schemes, ensuring accurate risk profiling and compliance with underwriting guidelines.
• Renew and maintain existing policies, ensuring correct valuations, coverage, and client details are captured.
• Price risks appropriately based on exposure, claims history, location, and construction type.
• Liaise with brokers, managing agents, trustees, and internal stakeholders to clarify cover, provide advice, or negotiate terms.
• Evaluate building inspection reports, surveyor inputs, and claims data to improve risk selection.
• Handle mid-term changes, including amendments to cover, endorsements, and policy cancellations.
• Ensure all policy documents, schedules, and underwriting notes are correctly issued and stored.
• Stay updated on legislation affecting sectional title schemes (e.g., Sectional Titles Act, CSOS requirements).
• Provide support during claims disputes or queries relating to cover interpretation.
• Collaborate with the claims, finance, and legal departments to resolve complex client issues.

• Matric / Grade 12 (essential)
• FAIS-compliant qualification in Short-Term Insurance (e.g., NQF Level 4 or higher)
• RE5 certification.

• 3-5 years of underwriting experience in short-term insurance
• 2+ years specifically in sectional title/community scheme underwriting
• Experience with insurance systems and underwriting software

• Strong knowledge of insurance products for buildings and community schemes
• Understanding of South African property legislation relevant to sectional title schemes
• Attention to detail and analytical thinking
• Strong written and verbal communication skills
• Client-focused with good negotiation and problem-solving skills
• Ability to work independently and as part of a team