HARSHI SINDHAV

Commercial Underwriter for the QLD team attending renewal & new business enquiries, assisting on mid-term policy adjustments & with broker enquiries, contribute to the team’ business growth & meeting allocated team budget, develop & maintain broker relationships, uphold Axis’ company values & reputation within the industry.

• Policy, Process and Procedures
• Underwrite new and existing policies in accordance with organizational policy and underwriting standards
• Monitor and review underwriting standards procedures and checklists
• Ensure all documentation is accurate and complies with organizational guidelines and legislative requirements
• Contribute to continuous quality improvement processes and self-learning
• Underwriting activities in compliance with business and regulatory requirements, service levels and within individual delegated authority All policies, process and procedures in compliance with business and regulatory standards.
• Provide a timely and professional level of service to customers and intermediaries.
• Learn about new products and understand commission structures for each, in order to enhance relationships with intermediaries
• Positive relationships with internal stakeholders, customers and intermediaries.
• Evaluate risk for new business in accordance with standards, to ensure profitable growth
• Identify new business opportunities and self-insurance prospects.
• Build strong knowledge of current legislation, best practice, underwriting acceptance levels, systems and organizational guidelines
• Reports prepared in a timely and accurate manner
• Maintenance of accurate and up-to-date records
• Meet new business targets
• Assist with coaching/mentoring Assistant Underwriters

• Assisting with the preparation of new business submissions
• Assisting with the preparation of Insurance recommendations for clients
• Completing pre-renewal reports and documentation
• Assisting with the renewal cycle including remarketing
• Managing client queries when the broker is absent
• Managing the claims and following up on claims with the claim handlers
• Assisting with endorsements
• Weekly Debtors Management

• Building relationships with brokers
• Management and growth of a current portfolio of clients
• Develop and deliver formal insurance programme renewals
• Assist in underwriting of new and renewal business in accordance with underwriting guidelines, relevant underwriting authority
• Assist allocated underwriters in both segments Corporate and Commercial with administration support.
• Tasks include inputting data for renewals, issuing decline letters, file maintenance, communicating with external Brokers to follow up submissions and closings, updating tracking IT systems, checking closings received from external Brokers, generating policy documents and certificates of insurance, clearing unallocated cash and any other task required to support the underwriters at renewal or midterm.
• Prepare formal documentation in a timely and accurate manner in accordance with Profit Centre and corporate standards, and in line with compliance with regulatory standards.
• Review current processes to ensure continuous improvement and or process optimization.
• Work with allocated underwriters to drive the use of underwriting platforms.
• Assist senior members of the team with data analytics and portfolio management/analysis.
• Assist in the implementation of business plans in accordance and company direction including technology and the digital delivery of products to the market.
• Work closely with Underwriters to ensure the maintenance/development of solid working relationships with brokers to create business opportunities.
• Proactively keep up to date with industry, business issues and trends.
• Maintain accurate files, registers and records to contribute to management reporting and timely service and policy issuance.
• Full participation in local and regional training (underwriting and personal skills).
• Be actively involved in the reverse migration of policy administration by working with Underwriters, Compliance and Claims in amending work instruction and developing standards to ensure quality processing and increase in process efficiency to reduce multi-touch processes.
• Comply with key regulatory and risk management responsibilities.
• Assisting the Underwriters with the management of their renewal portfolio, their new business opportunities, and their document management requirements.
• Providing a professional level of service and timely communication to our broker partners and to our internals teams across the business, ensuring a strong customer/client focus throughout.
• Processing insurance quotations, new business, endorsement and renewals, and escalating queries or concerns directly to the Underwriters.
• Assisting with credit control and general office administrative tasks.

• Review applications for insurance to evaluate degree of risk involved and determine acceptance of applications.
• Specialize in underwriting Residential Contract Works policies and doing policy extensions.
• Evaluate possibility of losses based on clients claim history & location of the property.
• Maintaining credit control for the department.
• Ensure that all underwriting guidelines are followed and that the policies are written accurately.
• Assist new staff in their development and training of new team members.
• Provide support to team leaders and team mates.
• Assist team members in becoming familiar with policy wordings and processes.
• Conduct surveys and perform research to gain information regarding policies.
• Deliver on company targets whilst remaining compliant.
• Use excellent time management and negotiation skills.

• Taking Inbound calls from customers and logging accurate data on calls
• Promoting products and services and establish relationship with Clients
• Achievements:
• Achieved highest no of sales in the team for the quarter.
• Achieved highest daily sales target on the floor on many occasions.