Underwriter Medical OMIU

Lets Write Africa's Story Together!Old Mutual is a firm believer in the African opportunity and our diverse talent reflects this.Job DescriptionTo assess, evaluate, and make sound underwriting decisions on medical insurance risks in accordance with established underwriting guidelines, risk appetite, and regulatory frameworks.Check and sign underwriting documents - Ensure the accuracy, completeness, and compliance of all underwriting documents before approval and finalization, supporting sound risk assessment and policy issuance practices in line with medical insurance guidelines.Client relationship management – Build and maintain strong relationships with key stakeholders including clients, intermediaries and healthcare service providersCompliance with regulatory requirements and departmental set guidelinesCredit control – Ensure effective credit control practices, working with accounts to minimize unpaid premiumsEndorsing and invoicing client accounts - Ensure timely and accurate processing of policy endorsements and invoicing activities for client accounts, maintaining billing integrity, customer satisfaction, and compliance with insurance regulationsEnsure completeness of insurance documentation - Maintain accuracy, compliance, and operational efficiency by ensuring all required insurance documents are complete, current, and properly filed according to regulatory and organizational standards.Ensuring formal underwriting guidelines including rate, policy wording and reinsurance terms are complied withFollow up renewal notices to ensure retention - Monitor, manage, and execute a structured renewal communication to ensure timely follow-up on upcoming scheme expirations. Coordinate with cross-functional teams to resolve renewal obstacles, reinforce product value, and close renewal commitments.Intermediary and client visits - Build and maintain strong relationships with intermediaries (brokers, agents) and corporate or individual clients through regular face-to-face engagements, enhancing customer satisfaction, driving business retention, and identifying growth opportunities within the medical insurance portfolio.Maintain and account for accountable documents in EDMS - Manage, track, and maintain accountable documents such as policy contracts, underwriting approvals, claim decisions, premium invoices, and client correspondence within the EDMS platform. Ensure all critical documents are properly categorized.Prepare invoices for premium payment.Prepare premium computations and booking for pre-rated products - Accurately calculate, validate, and record premiums for standardized (pre-rated) insurance products to ensure correct billing, policy setup, and revenue recognition in compliance with organizational policies and regulatory standards.Respond to customer/intermediary queries and complaints - Deliver prompt, accurate, and empathetic responses to customer and intermediary queries and complaints, ensuring high service standards, policyholder satisfaction as per the set service level agreements.Support the claims staff on a day to day basis to ensure a seamless service to clientsTo liaise with intermediaries and maintain positive business partnershipsANTI-MONEY LAUNDERING (AML) EXPECTATIONThe incumbent will be responsible for ensuring adherence to, implementation of, and adoption of Compliance, Anti-Money Laundering (AML), and Sanctions-related policies, procedures, and process requirements within Old Mutual and its subsidiaries. This includes execution of customer due diligence processes, ensuring compliance with Know-Your-Customer (KYC) standards, conducting ongoing and enhanced due diligence, and maintaining data quality. Additionally, the role involves identifying and monitoring potential AML, Sanctions, or Compliance breaches and unusual activities, and escalating these concerns to the Risk and Compliance Office for further action.Skills And Competencies.Good communication skills-Computer literateGood assessment and analytical skillsAbility to interact with colleagues and business partnersKnowledge of insurance marketApplication of re-insuranceQualifications: Minimum education: University degree & Qualification in InsuranceReviews risk submissions from clients, agents, and referrals, and underwrites insurance requests within guidelines of the underwriting manual and authority limits. Applies underwriting and risk-selection techniques to determine acceptability of new and renewal insurance risks.ResponsibilitiesUnderwriting Insurance CasesReview new business and renewal proposals to ensure acceptability and completeness of underwriting and rating information, providing price quotations for underwriters and referring unusual or complex cases to senior colleagues.Underwriting AutomationCarry out allocated research and analysis to support the development, validation, and improvement of automated underwriting processes and systems.Organizational Risk ManagementGather, monitor, and analyze risk data and recommend further investigation. Involves using established risk management models, systems, and protocols and working under direction.Regulatory and Compliance ManagementCarry out a wide range of compliance monitoring activities and give basic advice on compliance and regulatory requirements.External CommunicationsUse the external communications system to access and supply specific information.RecommendationsProvide information and clarification on existing procedures, processes, and precedents.Document PreparationPrepare moderately complex documents using a variety of applications for technology devices, such as standard office software. Also responsible for gathering and summarizing data for reports.Operational ComplianceDevelop knowledge and understanding of the organization's policies and procedures and of relevant regulatory codes and codes of conduct to ensure own work adheres to those standards. Obtain authorization from a supervisor or manager for any exceptions from mandatory procedure.Personal Capability BuildingDevelop own capabilities by participating in assessment and development planning activities as well as formal and informal training and coaching. Develop and maintain an understanding of relevant technology, external regulation, and industry best practices through ongoing education, attending conferences, and reading specialist media.SkillsAccountability, Accountability, Action Planning, Automated Underwriting, Billing, Business, Business Growth, Client Relations, Client Relationship Management, Client Visits, Coaching, Codes of Conduct, Communication, Compliance Monitoring, Computer Literacy, Corporate Ethics, Customer Accounts, Customer Communications, Customer Due Diligence (CDD), Customer Follow-Ups, Cybersecurity, Data Compilation, Data Controls, Data Quality, Data Query {+ 45 more}CompetenciesAction OrientedCollaboratesCommunicates EffectivelyEnsures AccountabilityInstills TrustManages ComplexityOptimizes Work ProcessesPlans and AlignsEducationBachelors Degree (B): Actuarial Science (Required), Bachelors Degree (B): Business Administration (Required), Bachelors Degree (B): Insurance (Required)Closing Date16 November 2025 , 23:59The Old Mutual Story!