Underwriting Administrator

Guardrisk

Are you a detail-oriented, client-focused professional with a passion formaking smart, informed decisions?

Do you thrive in a fast-paced, goal-driven environment where yourcontributions directly impact customer satisfaction and risk management?Then Zestlife wants

you on our team.

We're looking for an Underwriting Administrator to join our dynamic CreditLife Underwriting department, where every decision counts and everyclient matters.

Disclaimer As an applicant, please verify the legitimacy of this job advert on our company career page.

Role Purpose

To manage and administer the underwriting process for life insuranceapplications by assessing risk, conducting tele-underwriting, andensuring all decisions and records are handled accurately and efficiently.

The Underwriting Administrator ensures compliance with underwritingstandards, delivers service excellence to clients and colleagues, andcontributes to a smooth and professional onboarding experience for newpolicyholders—supporting Zestlife’s commitment to Treating CustomersFairly (TCF) and operational excellence.

Requirements

Education:

Matric (Grade 12) required
Tertiary qualification in a medical field is advantageous

Experience:

Minimum 2 years in life insurance underwriting (medical underwritingpreferred)
Familiarity with tele-underwriting and use of SwissRe underwriting manual

Skills:

Intermediate MS Office (Excel, Word, Outlook)
Strong attention to detail and accuracy
Excellent communication, time management, and organizational skills
Ability to manage workloads under pressure and meet daily targets

Attributes:

Client-focused with a service excellence mindset
Proactive, self-motivated, and solutions-oriented
Team player with a strong sense of accountability
Commitment to Treating Customers Fairly (TCF) principles

Duties & Responsibilities

To adhere to the standard underwriting process and guidelines.
To extract the days underwriting cases and to accurately process allunderwriting cases within the SLA agreement of 24 to 48 hours.
To contact the identified potential clients and to do the tele-underwritingand to make the appropriate underwriting decisions by using the SwissReunderwriting manual within the stipulated turnaround time.
To be professional and to provide a high level of service excellence wheninteracting telephonically with clients relating to their application and withthe sales agents and other colleagues.
To update the underwriting source file with the decision made and toinform the relevant sales agent accordingly.
To ensure that all the daily underwriting admin work is correctly carriedout by double checking that the workflow records have been updated,decision recorded, and the form saved to the client folder.
To send the declined communication to clients whose applications wereunsuccessful.
To resolve 20 underwriting cases per day.
To resolve undelivered communications relating to a client’s policy bycontacting the client and updating the contact details when theunderwriting cases are insufficient to meet your daily target.
Upload underwriting decision and underwriting form to the client recordon the system.
To ensure that you respond to and resolve underwriting requests with themaximum TAT of 48 hours.
To notify your manager of any priority issues, queries for escalation orcomplaints received.
To be creative and use your initiative in resolving outstanding cases sothat the underwriting decision can be finalised.
Think of working smarter and of ways to improve the process and to addvalue to the client’s new business policy on boarding experience.
You are responsible to ensure that you fully understand the relevantZestlife insurance products, the administration processes, and thesystems so that you can operate efficiently and are competent in your jobas an underwriter.
To daily maintain your workflow Inbox tasks and any stat records forworkflow management.
To identify any additional training needs to be provided to the salesagents relating to the Asset Life credit protection product and to identifyany improvement in the underwriting business process.

Competencies

Technical Proficiency

Strong knowledge of life insurance underwriting and policy administration
Skilled in using systems (e.g., OWLS) and MS Office tools

Accuracy & Decision-Making

High attention to detail
Sound judgment in assessing risk and resolving cases
Excellent time management under strict deadlines

Communication & Client Service

Clear and professional verbal/written communication
Customer-focused with a commitment to service excellence and TCFprinciples
Effective collaboration with team members and sales agents

Behavioral Strengths

Proactive and self-motivated
Resilient under pressure
Accountable and eager to improve processes and outcomes