Senior Underwriter

Job Purpose


The Senior Underwriter ensures the company maintains a balanced, profitable, and compliant general insurance portfolio while providing technical leadership and mentoring to the underwriting team.


Key Responsibilities




• Review, evaluate, and approve complex and high-value general insurance proposals (e.g., engineering, fire, liability, marine, motor, and property).


• Analyze risk exposures and determine appropriate coverage terms, premiums, and policy conditions.


• Make informed underwriting decisions within delegated authority limits and recommend referrals to management for exceptional cases.


• Ensure underwriting decisions align with company profitability targets and reinsurance arrangements


• Monitor the performance of the general insurance portfolio to maintain healthy loss ratios and business growth


• Supervise and mentor junior underwriters and underwriting assistants, ensuring technical competence and consistent application of underwriting standards


• Build and maintain strong working relationships with brokers, agents, and corporate clients.


• Ensure full compliance with underwriting policies, IRA regulations, and internal controls.


• Prepare and submit periodic underwriting and performance reports to management.


• Support audit processes and implement corrective actions for identified gaps



Qualifications and Experience




• Education: Bachelor’s degree in insurance, Business, Commerce, or a related field.


• Professional Certification: Advanced Diploma in Insurance (AIIK) or ACII (UK) is required.


• Experience: Minimum of 5–7 years in underwriting general insurance, with at least 3 years in a senior or supervisory capacity.



Skills and Competencies




• Strong product and market knowledge, reinsurance practices alongside a solid understanding of regulatory compliance standards.


• Advanced risk assessment, analytical, communication, strong leadership and team management skills


• High attention to detail, sound decision-making capabilities, and excellent relationship management and negotiation skills.