Insurance Underwriter

About the role

Zonline Business Solutions is seeking a full‑time Insurance Underwriter to join its Lusaka office. The role involves assessing insurance applications, evaluating risk profiles, and determining appropriate coverage terms, conditions, and pricing in line with company guidelines and regulatory standards.

Key responsibilities

• Review commercial and personal insurance applications and analyse financial and non‑financial data.
• Assess risk factors, determine coverage limits, pricing, and policy terms.
• Prepare clear underwriting reports and recommendations for internal teams, brokers, and clients.
• Communicate with brokers and clients to clarify information, request documentation, and explain underwriting decisions.
• Monitor portfolio performance, support policy renewals, and contribute to process‑improvement initiatives.
• Ensure all underwriting activities are accurately documented and completed within service timelines.

Required profile

• Strong analytical ability to interpret quantitative and qualitative data.
• Foundational knowledge of insurance principles, products, and regulatory considerations.
• Experience or exposure to underwriting, risk assessment, and rating methods.
• Understanding of financial statements, cash flows, and key ratios.
• Effective written and verbal communication skills.
• Bachelor’s degree in Insurance, Finance, Business, Economics or related field; relevant certifications are a plus.
• High attention to detail, strong organisational skills and ability to manage multiple cases.
• Commitment to ethical standards, confidentiality and regulatory compliance.

Required skills

• Microsoft Excel
• Microsoft Office suite