Underwriting Specialist at FNB South Africa

Job Description

• To promote, develop and implement the Company's underwriting philosophy and strategy through the successful delivery of a variety of underwriting functions to maximize performance and achieve company objectives.

Job Purpose:

• As a liaison Underwriter, you will serve as an important interface between the underwriting team and Financial Advisors, ensuring that underwriting decisions are technically sound and commercially aligned.
• You’ll assess complex life insurance applications and deliver clear empathetic communication to advisors navigating client needs.
• This role demands a blend of medical underwriting acumen, market awareness and relationship management. This isn’t just underwriting; it’s about translating risk into opportunity.

Are you someone who can:

• Underwrite life, disability, and critical illness within authority limits.
• Deliver nuanced client specific underwriting decisions that reflect both risk appetite and commercial viability.
• Educate and empower financial advisors and brokers with underwriting insights that help them position products more effectively
• Capture market sentiment and advisor feedback to inform underwriting practices and guidelines
• Craft compelling underwriting rationales that support sales conversations and build trust
• Ensure decisions align with regulatory standards and company policies
• Work closely with R&D team and other departments to optimize underwriting processes
• Champion speed and fairness in all case decisions

You will be an ideal candidate if you have:

• Grade 12 (NQF Level 4),
• Relevant Degree will be advantageous

Experience: 

• Minimal of 10 years life insurance underwriting experience
• A higher / advanced level of product knowledge regarding Lump Sum Disability, Critical Illness, Income Protection, Business Cover, Group Risk, and the assessment and underwriting thereof.
• Assessment of medical, financial, avocation & occupational UW risks
• Business acumen and client centric thinking
• Adaptability and resilience in a fast-paced market
• Innovation and forward-thinking underwriting approach

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

End Date: September 20, 2025