Applies subject matter expertise of data consolidation and analysis to detect and evaluate potential risks, link the underwriting risks to the critical business drivers, and assesses their potential impact, to determine the appropriate underwriting strategy and ensure that it addresses any unexpected contingencies across the organisation.

Uses full knowledge to determine the underwriting information requirements, based on the organisation's underwriting strategy. Demonstrates full professional knowledge in evaluating risk exposure and determining the acceptance criteria and classifications for potential risks across a range of complex or unfamiliar situations, and advises the departments on accurate risk evaluation and insurance pricing.

Applies deep technical expertise to advise and provide recommendations on the acceptance or continuance of risk, based on the information available. Uses deep knowledge of the underwriting process and tools to make decisions on complex or unfamiliar situations that involve risk evaluation and pricing insurance.

Applies specialised knowledge of the underwriting criteria and related organization's policies to identify and assess potential risks, and determine the need for any additional information and material facts that support the decision of acceptance. Calculate the insurance price based on the evaluation of the associated risks.

Demonstrates basic understanding of the organisation's underwriting criteria and the basic approaches to the identification of risk factors. Learns the steps and requirements for gathering material facts and applies basic knowledge and understanding of the data risk review, analysis and evaluation process to the assigned cases in own function area.