First National Bank (FNB) is one of the “big four” banks in South Africa and a division of the financial services conglomerate, FirstRand. It provides a full range of banking and financial services to individuals, businesses, and corporations. An acclaimed mobile banking app and online banking platforms that offer secure and convenient access to financial services, including Secure Chat for customer support.

Job Purpose:

• As a liaison Underwriter, you will serve as an important interface between the underwriting team and Financial Advisors, ensuring that underwriting decisions are technically sound and commercially aligned. You’ll assess complex life insurance applications and deliver clear empathetic communication to advisors navigating client needs.
• This role demands a blend of medical underwriting acumen, market awareness and relationship management. This isn’t just underwriting; it’s about translating risk into opportunity.

Are you someone who can:

• Underwrite life, disability, and critical illness within authority limits.
• Deliver nuanced client specific underwriting decisions that reflect both risk appetite and commercial viability.
• Educate and empower financial advisors and brokers with underwriting insights that help them position products more effectively
• Capture market sentiment and advisor feedback to inform underwriting practices and guidelines
• Craft compelling underwriting rationales that support sales conversations and build trust
• Ensure decisions align with regulatory standards and company policies
• Work closely with R&D team and other departments to optimize underwriting processes
• Champion speed and fairness in all case decisions

You will be an ideal candidate if you have:

• Grade 12 (NQF Level 4),
• Relevant Degree will be advantageous

Experience: 

• Minimal of 10 years life insurance underwriting experience
• A higher / advanced level of product knowledge regarding Lump Sum Disability, Critical Illness, Income Protection, Business Cover, Group Risk, and the assessment and underwriting thereof.
• Assessment of medical, financial, avocation & occupational UW risks
• Business acumen and client centric thinking
• Adaptability and resilience in a fast-paced market
• Innovation and forward-thinking underwriting approach