Job Opportunities at RBS

Role Purpose

• The Personal Lines Underwriter provides effective and efficient underwriting services to support business strategy, retain existing clients, and secure new business. This role ensures compliance with company standards, regulatory frameworks, and quality assurance processes while delivering a positive client experience.

What You’ll Be Responsible For

Financial & Business Performance

• You will help meet new business and binder fee targets, retain existing clients, and contribute to minimising general expenses. Your decisions and actions will directly support the company’s financial objectives and growth strategy.

Client & Stakeholder Engagement

• Clear, timely, and professional communication with clients, account executives, and insurers is essential. 
• You will build and maintain strong relationships, keep clients informed, and ensure client satisfaction targets are consistently met.

Underwriting & Business Processes

• You will manage the end-to-end underwriting process for new business, renewals, endorsements, re-broke policies, cancellations, and refunds. 
• This includes conducting risk assessments, analysing client portfolios, obtaining and assessing insurer quotes, rating policies, arranging valuations and reinsurance, issuing premiums, and maintaining accurate electronic and hard-copy records.
• You will also handle cancellations and refunds in line with company processes, ensure upselling opportunities are maximised, and escalate or report suspected fraud or misrepresentation.

Learning, Growth & Collaboration

• You will live the RBS values in your daily work, contribute to team knowledge sharing, and pursue continuous self-development. 
• Achieving your own development objectives while maintaining productivity and quality assurance targets is key to success in this role.

Job Requirements
What you’ll need

Minimum Qualifications & Skills

• Matric or equivalent
• FAIS compliant
• Computer literate
• Excellent communication and customer service skills

Minimum Experience

• 2 years in a client services environment
• 3 years as a Personal Lines Underwriter

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Role Purpose

• The Commercial Lines Underwriter provides effective and efficient underwriting services for commercial clients, supporting the business strategy by retaining existing clients and securing new business. This role ensures compliance with company standards, regulatory frameworks, and quality assurance processes, while delivering a high-quality client experience.

What you'll be responsible for

Financial & Business Performance

• You will actively minimize cancellations and contribute to meeting client retention targets. Your work will support the company’s financial goals by applying sound underwriting decisions and managing risks effectively.

Client & Stakeholder Engagement

• Professional, accurate, and timely communication with clients, account executives, and insurers is central to this role.
• You will build strong, mutually beneficial relationships and ensure client satisfaction targets are consistently achieved.

Underwriting & Business Processes

• You will manage the end-to-end underwriting process for new business, renewals, endorsements, and re-broke policies, as well as handle cancellations.
• This includes addressing general enquiries, assessing cover and product requirements, rating policies, and maintaining accurate records.
• You will adhere to company quality standards, regulatory frameworks, and internal mandates, while contributing to team projects and maintaining productivity targets.

Learning, Growth & Collaboration

• Living the RBS values, pursuing continuous self-development, and achieving personal development objectives are expected.
• You will also share knowledge with the team and ensure that productivity and quality assurance standards are consistently met.

Job Requirements
What you'll need

Minimum Qualifications & Skills

• RE5
• FAIS compliant (credits and/or full qualification)
• Excellent communication and customer service skills
• Strong attention to detail

Minimum Experience

• Minimum 3 years as a Commercial Lines Underwriter (medium to large commercial accounts)
• Minimum 3 years’ experience at a short-term insurance brokerage