Multi-line Underwriter

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Job Description

With more than 130 years of local expertise, we work closely with our broker partners to deliver insurance cover tailored to your needs. Recognised for our expertise in delivering positive customer outcomes, our specialised insurance products cater to even the most complex risks. Our products range from Commercial Property, Contract Works, Professional lines such as Professional Indemnity, Medical Malpractice, and Directors & Officers, as well as General Liability, Motor Vehicle, and Marine Cargo & Hull, including Pleasurecraft policies.

The Multi-line Underwriter is responsible for underwriting new and renewal business, managing an assigned multi-line insurance portfolio, maintaining broker and customer relationships, and supporting portfolio growth within delegated authority and QBE requirements. This role reports to the Underwriting Manager.

Outcomes

Organisational Stakeholders
1. Portfolio Performance and Growth Ensured.
Effective management of an assigned book of business across a broad range of insurance products delivered. Timely and commercially appropriate progression of new business, renewals and quoting activities achieved. Regular monitoring of portfolio performance completed and relevant trends or issues identified. Identification and progression of opportunities to support portfolio growth and business outcomes completed. Consistent ownership and accountability for the assigned portfolio demonstrated.
2. Underwriting Quality and Risk Control Strengthened
Appropriate assessment and underwriting of new business and renewal opportunities within delegated authority completed. Underwriting decisions aligned with sound judgement, relevant risk information and established underwriting principles. Appropriate terms, conditions and requirements applied in accordance with QBE standards. Risks outside delegated authority identified and referred through appropriate channels. Accurate understanding of insurance products and key benefits demonstrated and clear communication delivered.
3. Broker, Customer and Stakeholder Relationships Enhanced
Strong and trusted relationships with brokers, customers and key stakeholders developed and maintained. Clear and professional communication of underwriting decisions, terms and relevant product information delivered. Timely and commercially appropriate responses to broker and customer enquiries provided. Relationship management leveraged to support customer retention, portfolio development and positive business outcomes. Professional representation of QBE maintained in external interactions.
4. Business Development Outcomes Delivered
Proactive identification and progression of suitable new business opportunities completed. Effective utilisation of broker and market relationships to support portfolio development achieved. Business opportunities assessed in line with underwriting requirements and portfolio objectives. Relevant market information and customer needs identified and shared appropriately. Commercial opportunities balanced with underwriting judgement and risk considerations.
5. Governance, Compliance and System Integrity Maintained
Compliance with delegated authority, internal requirements and applicable regulatory obligations maintained across underwriting activities. Accurate, complete and appropriately maintained underwriting records, quotations, approvals and supporting documentation delivered. Identification and escalation of compliance matters, exceptions and underwriting risks completed as required. Effective learning and application of QBE systems and processes achieved. Confident use of Microsoft Office applications applied to meet day-to-day work requirements. Appropriate utilisation of Microsoft Copilot and other approved digital tools applied to support productivity and work activities. Adoption of new systems, processes and technology completed.
6. Teamwork and Collaboration Ensured
Positive and effective working relationships maintained across the organisation. Open and constructive sharing of information, knowledge and expertise completed. Support to colleagues in achieving individual, team and organisational objectives provided. Cooperation, flexibility and contribution beyond individual responsibilities applied to support team priorities where appropriate. Professional and respectful communication maintained to enable effective working relationships. Active support for a collaborative and inclusive working environment delivered.
7. QBE Fiji's Values and Standards Upheld
Professional representation of QBE maintained in dealings with customers, brokers, colleagues and stakeholders. Consistent demonstration of organisational values and expected standards of conduct achieved. Ethical, responsible and customer-focused business practices reflected in decisions and actions. Consistent behaviour supporting QBE's reputation and standing as a trusted insurance and risk partner maintained. Positive promotion of QBE's image and reputation delivered through professional conduct and stakeholder interactions.

Responsibilities - Critical Competencies

Competence	Description
Business
Risk Management	Analyse and manage risk.
Systems and Procedures	Develop and/or apply procedures to assist the organisation achieve its goals.
Information Analysis	Make informed decisions by collecting and interpreting data and information
Communication	Exchange information through verbal communication
Customer
Commercial Focus	Optimize the commercial viability of the organisation.
Relationship Building	Build beneficial relationships with suppliers and stakeholders.
Organisational Values	Display the organisation's image and value standards.
People
Problem Solving	Develop practical solutions to a situation.
Self-Management	Manage your priorities and objectives efficiently and effectively
Professional
Technical Strength	Demonstrate knowledge of a specialist discipline.
Compliance	Comply with relevant laws and the policies and procedures of the organisation.

Qualifications

Qualification	Discipline	Notes
Preferred
Other		Tertiary qualification in Insurance, Business, Finance, Economics, Risk Management or a related discipline.

Work Knowledge and Experience

1. 3-5 years demonstrated experience in insurance underwriting, with experience across multiple insurance lines preferred.
2. Demonstrated experience in insurance underwriting, including new business, renewals and quotations.
3. Sound knowledge of underwriting principles, insurance products and risk assessment.
4. Experience managing broker, customer and stakeholder relationships.
5. Demonstrated commercial judgement, negotiation and decision-making capability.
6. Experience working effectively within a structured corporate environment.
7. Proficiency in Microsoft Office applications; familiarity with Microsoft Copilot and other digital productivity tools is desirable.

Requirements

Language Proficiency
Excellent command of English
Regulatory Compliance Requirements
Adherence to applicable insurance regulatory obligations and QBE internal governance requirements

Interactions

Interaction	Comments
Internal
Underwriting Manager
External
Insurance brokers
Customers

Attributes

Attribute	Definition
Behavioural Styles
Accountable	Assumes full responsibility for own actions and identifies with the success or failure of own part of the overall work/goal.
Detail oriented	Attends to the small elements of a task/activity, ensuring completeness and accuracy.
Integrity	Adherence to moral and ethical principles; soundness of moral character; honesty.
Interpersonal Styles
Objective	Impartial and honest in dealings with others, eliminating own feelings and view to reach a balanced judgement.
Self-sufficient and assured	Readily copes with situations without recourse/need of others, showing confidence and belief in oneself and one's own abilities.
Team Oriented	Enjoys being with others as part of a group or team.
Thinking Styles
Analytic	Able to separate things into their constituent elements in order to study or examine them, draw conclusions, or solve problems.
Disciplined/Systematic	Is controlled in conduct, shows an orderly pattern of behaviour, following a methodical and thorough approach.
Well organised	Controls tasks in a well thought out and critical manner.

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