Job Description:
We are seeking a highly skilled and detail-oriented Internal / Key Accounts Broker to manage a portfolio of existing clients through proactive underwriting and administrative support. The ideal candidate will have a minimum of 2 years' experience in underwriting, preferably within a brokerage environment, and be proficient in handling both personal and commercial lines insurance. This role is office-based/inbound and does not involve external client visits.

Minimum Qualifications and Requirements:
• Matriculation certificate.
• RE5 certification - essential .
• An NQF level 4 qualification.
• A minimum of 2 years' experience in underwriting.
• Proficiency in handling both personal and commercial lines.

Key Responsibilities:
Client Portfolio Management:
• Manage an assigned portfolio of approximately 300 clients, ensuring high levels of service delivery and customer satisfaction.
• Maintain proactive communication with clients to understand their insurance needs and provide appropriate solutions.

Premium & Payment Management:
• Monitor and manage unpaid premiums, ensuring timely follow-ups and resolution.
• Liaise with clients and insurers to resolve outstanding payment issues.

Policy Renewals & Retentions:
• Proactively manage policy renewal processes, ensuring policies are reviewed, updated and renewed in a timely manner.
• Prepare and present renewal terms and alternatives, conducting risk assessments and portfolio reviews.
• Implement effective client retention strategies, reducing lapse rates and maintaining portfolio value.

Policy Endorsements & Amendments:
• Process policy endorsements efficiently and accurately, including changes in cover, asset details or client information.
• Maintain precise records and ensure compliance with underwriting guidelines.

Underwriting & Quoting:
• Conduct general underwriting duties, including risk assessments and rating.
• Provide competitive quotes for new business opportunities within the existing portfolio.
• Source and compare quotes from multiple insurance providers (re-broking) when necessary to ensure optimal cover and pricing.

Client Engagement:
• Conduct a minimum of 25 client meetings per day via Zoom or telephonic consultation to discuss policy details, renewals, endorsements, and cover adjustments.
• Provide clear and professional advice on cover options, excess structures, policy terms and risk exposures.

Additional Duties:
• Manage policy cancellations, including conducting exit interviews and offering retention solutions where possible.
• Coordinate tracking device installations for vehicle insurance requirements.
• Arrange valuation services when required to ensure adequate sums insured.
• Process refunds promptly and accurately, in line with company and insurer guidelines.
• Maintain compliance with all legislative and regulatory requirements.

Our insurance partners are:
• Discovery Insure
• PPS STI
• CIB
• Momentum
• Old Mutual
• New National
• Auto & General
• Santam
• Echelon
• King Price
• Rodel (Hollard and Bryte)

Important:
It is not necessary to have product experience with our relevant insurance partners, as product specific training will be provided.