Demonstrates subject matter expertise in establishing the underwriting strategies and guidelines in the organisation. Monitors the performance of the underwriting function and teams, regularly assesses their efficiency and effectiveness, and make the right decisions that ensure profitability for the organisation and the client.

Applies full knowledge and professional experience to oversee the underwriting process for multi-faceted risk cases, in accordance with the overall business strategies and set guidelines. Manages the underwriting team and monitors the maintenance and growth of a balanced underwriting portfolio across multiple teams.

Uses deep knowledge of the underwriting process and standards to underwrite complex risks cases and administer the underwriting processes efficiently across the underwriting teams. Demonstrates deep understanding of the data and methods used to monitor the underwriting performance for relevant class of business.

Applies specialised knowledge of the underwriting process and standards in the development of policy terms for non-complex cases. Demonstrates an awareness of the data that indicates how an underwriting portfolio is performing, with an understanding of how this will impact cost efficiencies and profitability within the team.

Demonstrates basic understanding of the organisational underwriting policies and procedures risk appetite guide and applies this understanding in the processing of a new application, renewal, cancellation and/or an alteration to an existing risk. Demonstrates basic knowledge of the underwriting portfolio performance within own function area.