• Prepares and approves renewals for accounts within authority limit • Reviews account information, including coverage details and claims history • Evaluates the risk profile of each account for renewal eligibility • Communicates with agents to ensure all renewal information is requested and received • Collaborates with underwriters throughout the renewal process • Maintains proper file documentation • Develops relationships with agents by providing excellent customer service • Responds to concerns or issues raised by agents regarding endorsements and renewals • Reviews and approves endorsements and reinstatements

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description An exciting opportunity is available for an experienced Commercial Underwriter to join a fast-paced, tech-driven financial services environment. This role focuses on underwriting and assessing credit risk for Small & Medium Enterprise (SME) clients. The successful candidate will work remotely while aligning with USA business hours (4pm–1am SA time). - Assess and underwrite SME credit applications in line with the company policy and risk appetite - Analyse financial statements, bank statements, cash flow, and supporting documentation - Evaluate risk and make sound credit decisions within mandate - Structure deals appropriately to balance risk and profitability - Liaise with sales and operations teams to obtain additional information where required - Ensure that all underwriting decisions are compliant with internal policies and regulatory standards - Maintain accurate records and provide clear decision rationales Qualifications - Minimum 3–5 years’ experience in commercial / SME underwriting - Strong understanding of credit risk principles - Experience analysing financial statements and cash flow - BCom degree or relevant qualification (CFA / CA(SA) candidates welcome) - Strong analytical and decision-making skills - Excellent written and verbal communication skills - Comfortable working independently in a remote environment - Able to work USA hours (16:00–01:00 SA time) consistently Requirements - Strong attention to detail - Commercial acumen - Sound judgement and risk assessment ability - Ability to work efficiently in a high-volume environment - Deadline-driven and self-managed Benefits - Fully remote working environment - Exposure to international markets - Dynamic, performance-driven team - Competitive remuneration

• Oversees day‑to‑day operations of the Underwriting & Portfolio teams, including all Account Executives and Commercial Underwriters. • Performs full managerial duties, including hiring, performance evaluations, coaching, discipline, and staff development. • Ensures prudent, efficient underwriting by reviewing credit narratives and approving transactions within delegated authority limits. • Manages department‑level reporting exceptions and establish debtor credit limits exceeding individual approval authority. • Maintains compliance with credit quality standards, including revenue targets, funding ratios, approval ratios, and portfolio performance metrics. • Manages credit origination scorecards and approval authorization levels. • Develops, documents, and maintains departmental policies and procedures; ensure periodic reviews and proper application of risk ratings. • Utilizes CID and related systems to guide and oversee all facets of the underwriting process. • Collaborates with BDOs and Revenue leaders to structure proposal letters and provide final approval for all proposals issued; support training of BDOs alongside the Revenue leadership team. • Partners with Revenue leadership to support sales alignment and funding objectives. • Works with Collections, Asset Management, and Legal to develop strategies for resolving distressed, delinquent, or troubled accounts. • Collaborates with the Data Analytics team to develop portfolio reporting, monitor origination trends, and refine credit origination metrics. • Coordinates responses to internal and external auditor requests and ensure compliance with documentation and reporting requirements. • Other duties as assigned.

• Leads the strategic direction, ownership and execution of the overall underwriting operational strategy for the casualty and casualty large accounts portfolios at enterprise level. • Oversees the development of the underwriting philosophy, policy, forms, products and programs and directs communication in corporate office and to branch office staff. • Analyzes the performance of EMC’s existing book of business on a monthly and quarterly basis, and proactively provides strategic recommendations for improvement, expansion, or discontinuance to executive management. • Ensures the achievement of continued profitability, growth, and operational efficiency for casualty lines of business and casualty large accounts business segment through development of risk appetite, assessment of risk exposures and controls, and emerging risk issues. • Collaborates with other corporate underwriting departments on the strategy and appetite for the department and company as a whole. • Directs the development and implementation of strategic and operational company objectives to help achieve company's growth and profitability goals. • Leads and manages enterprise-wide operational consistency, integrity and oversight of casualty lines of business and casualty large accounts. • Actively participates in all aspects of effective quality control assessments, including conducting new and renewal account audits, monitoring casualty large accounts analysis, and action plans. • Builds culture and develops team members while overseeing corporate casualty and large accounts underwriting teams. • Collaborates with team members to establish performance goals and monitors status, conducts performance reviews, and provides coaching. • Develops team expertise and completes succession planning, including identifying talent and implementing development plans for critical positions. • Manages budgeted resources by anticipating expenditures, accurately forecasting resource needs/costs and properly accounting for expenses to meet requirements and achieve fiscal responsibility. • Acts as a strategic partner to branch offices on casualty and casualty large accounts related matters. • Provides overall direction for underwriting authority delegation and recommends changes to casualty and casualty large accounts authority levels when warranted. • Provides guidance and direction to the team in the development of underwriting and training tools at branch and enterprise level. • Reviews escalated issues when requested by the team. • Works closely with branch partners to lead efforts to grow profitable business. • Acts as an expert from underwriting and business perspective to assist branches and agents in successfully marketing and underwriting new and existing accounts.