Dialeng Debora Mamabolo
Senior Commercial Underwriter
Roodepoort, Johannesburg,
Summary
Experienced Senior Underwriter with 20 years in commercial, personal, agricultural, and corporate insurance. Skilled in managing complex portfolios, ensuring compliance with underwriting guidelines, and delivering outstanding service to brokers and clients. Expertise in risk assessment, claims handling, and negotiating coverage solutions. Currently advancing qualifications in short-term insurance and regulatory compliance.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Senior Underwriter (Business & Personal Insurance)
Bryte Insurance Company
02.2024 - Current
- Manage a portfolio of brokers in Commercial, Personal Lines, Agricultural/Farming, and Corporate Insurance (medium to large accounts).
- Apply technical underwriting expertise while delivering excellent customer service and relationship management.
- Issue new policies, quotes, renewals, and endorsements in line with underwriting guidelines.
- Negotiate renewal terms and prepare renewal documentation, ensuring alignment with client needs.
- Conduct timely renewal reviews and calculate loss ratios, adjusting rates where necessary.
- Assess risks to ensure compliance with company guidelines.
- Build new broker relationships, provide tailored quotes, and close new business deals.
- Retain lapsed policies and ensure monthly renewals are sent to brokers.
- Oversee organisation of policy documentation, ensuring accuracy and compliance with regulations., including deletions, confirmations, and reductions in sums insured.
- Process endorsements, renewals, quotes, new business, and cancellations.
- Service brokers via email, telephone, and in-person meetings.
- Provide brokers with quotes, rates, and updates on portfolio changes.
- Initiate claims process with the Claims Department across all product lines, ensuring timely submissions. with the Claims Department across all product lines.
- Strengthened broker satisfaction and retention through proactive engagement and prompt resolution of queries.
- Resolve broker queries promptly and in accordance with company standards.
- Enhance business direction by prioritizing broker queries and implementing feedback-driven improvements.
- Identify issues, analyze information, and implement solutions to improve operations.
- Deliver exceptional customer service, handling challenging situations with professionalism.
- Prepare written communications, reports, and documentation with accuracy.
- Ensure all documents are processed accurately, checked, and authorized before distribution.
- Maintain accuracy of cover details and financial records.
- Requested business risk surveys, communicated recommendations, and adjusted sums insured.
- Incorporate additional vehicles into existing cover, ensuring brokers receive timely confirmations. to cover and issue confirmations to brokers.
- Demonstrate respect, friendliness, and collaboration in all interactions.
Business & Personal Broker Consultant
Discovery - DFC Business Insure (Brokerage for Discovery)
09.2017 - 01.2024
- Service business insurance clients (medium to large accounts) and over 30 financial advisors daily.
- Provide underwriting expertise in Commercial and Personal Lines Insurance.
- Conduct risk assessments, surveys, and valuations, advising clients on coverage adjustments.
- Perform renewal reviews, calculate loss ratios, and negotiate terms with underwriters.
- Manage client communication through email, telephone, and in-person meetings to ensure clarity and satisfaction.
- Maintain strong client relationships through excellent service, problem-solving, and communication.
- Resolve queries and improve operations, enhancing customer satisfaction and loyalty.
- Handle claims initiation and ensure accurate documentation and financial records.
- Issue new policies, quotes, renewals, endorsements, and cancellations.
- Retain lapsed policies while securing new business opportunities to expand client portfolio.
Personal Lines Insurance Broker & Office Manager
Discovery - DFC Insure (Brokerage for Discovery)
09.2018 - 11.2019
- Managed a portfolio of personal lines policies while supervising ~20 sales consultants.
- Specialised in Personal Lines underwriting, with knowledge of both Commercial and Personal Insurance.
- Secured new business by providing tailored quotes and closing deals.
- Serviced medium to large accounts through email, telephone, and in-person meetings, ensuring client needs were met.
- Conducted annual renewal reviews, calculated loss ratios, and negotiated competitive rates with underwriters to enhance client retention.
- Handled processing of endorsements, renewals, quotes, new business, and cancellations to maintain accurate policy records.
- Retained lapsed policies and ensured monthly renewals were sent to clients.
- Requested house contents valuations, advised clients on survey outcomes, and adjusted sums insured.
- Prepared renewal summaries and added vehicles to cover, issuing confirmations to clients.
- Assisted clients with claims and ensured accuracy of cover details and financial records.
- Requested quotes from underwriting and kept clients updated on portfolio changes.
- Managed policy documentation, including deletions, confirmations, and reductions in sums insured.
- Resolved client problems and improved satisfaction by delivering excellent customer service.
- Reason for Leaving: Needs a new challenge and career growth
Personal Lines Broker Consultant
Pogir Short Term Insurance Brokers (Brokerage)
01.2015 - 08.2017
- Specialized in Personal Lines underwriting, with knowledge of both Commercial and Personal Insurance.
- Serviced direct clients (medium to large accounts) through email, telephone, and in-person meetings, enhancing client relationships.
- Conducted annual renewal reviews, calculated loss ratios, and negotiated rates with underwriters.
- Delivered excellent customer service by resolving client problems, leading to increased satisfaction and client retention.
- Secured new business by providing tailored quotes and closing deals, contributing to revenue growth.
- Processed endorsements, renewals, quotes, new business, and cancellations.
- Requested renewal terms from insurers and ensured monthly renewals were sent to clients.
- Requested quotes from insurers and kept clients updated on portfolio changes.
- Analyzed policies during renewals, considering loss ratios to adjust premiums appropriately.
- Requested house contents valuations, advised clients on survey outcomes, and adjusted sums insured.
- Prepared renewal summaries and added vehicles to cover, issuing confirmations to clients.
- Managed policy documentation, including deletions, confirmations, and reductions in sums insured.
- Liaised with suppliers (different insurers) to ensure accurate and competitive terms.
- Ensured accuracy of cover details and financial records in line with company guidelines.
- Retained lapsed policies and prepared renewal/new business packs for clients.
- Maintained energy and enthusiasm in a fast-paced environment.
- Participated in team-building activities to enhance collaboration and working relationships.
- Reason for Leaving: Wanted to do Commercial Lines Underwriting
Commercial Insurance Underwriter
Risk Benefit Solutions/Katz Breskal
08.2012 - 12.2014
- Specialized in Commercial and Personal Lines underwriting.
- Serviced direct clients (medium to large accounts) with tailored insurance solutions.
- Liaised with multiple insurers to secure competitive terms, enhancing client offerings.
- Conducted annual renewal reviews, calculated loss ratios, and negotiated rates with insurers to optimise client coverage.
- Secured new business by providing tailored quotes and closing deals.
- Managed a portfolio of clients, ensuring accuracy of cover details and financial records.
- Raised premiums appropriately and assessed risks in line with company guidelines.
- Issued new business, endorsements, renewals, and cancellations on the system.
- Identified portfolio risks through underwriting investigations and fraud exposure assessments, safeguarding company assets.
- Evaluated debt ratios, loan-to-value ratios, credit scores, and property valuations in underwriting decisions.
- Met with customers, agents, and brokers to negotiate coverage, pricing, and service delivery.
- Requested quotes from insurers and kept clients updated on portfolio changes.
- Managed policy documentation, including deletions, confirmations, and reductions in sums insured.
- Assisted Account Executives with renewal/new business packs and spreadsheets.
- Coordinated with internal stakeholders to support marketing strategies and business growth.
- Monitored underwriting team performance and provided mentoring to achieve production goals.
- Delivered services to client locations within agreed timeframes.
- Conducted research, gathered information, and presented findings to stakeholders.
- Maintained professionalism, energy, and enthusiasm in a fast-paced environment.
- Worked within regulatory guidelines to promote safe and compliant operations.
- Participated in continuous improvement initiatives, problem-solving, and teamwork.
- Consistently resolved problems, improved operations, and provided exceptional service.
- Reason for Leaving: Better Offer
- Reason for Leaving: Better Offer
Commercial Underwriter
Etana Insurance Company
11.2010 - 03.2012
- Assesses risk to ensure acceptability thereof in terms of the company's guidelines and requirements.
- Reviewed renewals monthly and calculated loss ratios to inform adjustments, renewals, or declines of risks.
- Issued new business, amended, renewed, and canceled policies on the system.
- Ensure accuracy of cover details and financial records.
- Place Reinsurance when overexposed.
- Requested surveys and provided risk recommendations to brokers to support informed decision-making.
- Assessed company's exposure against reinsurance capacity, processed relevant documents, and advised senior manager on risk management.
- Meet with customers, agents and brokers to negotiate coverage, price and service delivery.
- Worked with customers to understand their needs and provide excellent service.
- Offer excellent customer service to clients.
- Deals with queries from brokers, Claims Department, Credit Control and other until resolution.
- Raises premiums accordingly on the system.
- Process credits/refunds for: Cancellation of policy & Deletion of cover, Reduction in sum insured.
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork.
- Resolved problems, improved operations and provided exceptional service.
- Exceeded goals through effective task prioritization and great work ethic.
- Maintained energy and enthusiasm in fast-paced environment.
- Worked within applicable standards, policies and regulatory guidelines to promote a safe working environment.
- Worked on Commercial and Personal lines Policies.
- Left position as a result of an unsatisfactory working environment that hindered productivity.
- Resolved problems, improved operations and provided exceptional service.
- Reason for Leaving: Unhappy working environment
Commercial Underwriter
ABSA Insurance Company
01.2006 - 10.2010
- Issued new business, amendments, renewals, and cancellations; adjusted premiums and ensured accuracy of cover details and financial records.
- Assessed risks to ensure compliance with company guidelines and requirements.
- Obtained all required information for underwriting decisions.
- Evaluated debt ratios, loan-to-value ratios, credit scores, and property valuations in underwriting decisions.
- Conducted annual renewal reviews, calculated loss ratios, and initiated actions on renewals, adjustments, or declines based on findings.
- Requested surveys and communicated risk recommendations to brokers.
- Checked company exposure against reinsurance capacity; processed relevant documents and advised senior managers.
- Arranged reinsurance when exposure exceeded company capacity.
- Worked on Commercial and Personal Lines policies.
- Processed credits/refunds for cancellations, deletions of cover, and reductions in sums insured.
- Resolved queries from brokers, claims, credit control, and other departments.
- Provided excellent customer service by meeting with clients, agents, and brokers to negotiate coverage, pricing, and service delivery.
- Worked closely with customers to understand needs and provide tailored service.
- Exceeded performance goals through effective task prioritization and strong work ethic.
- Handled challenging situations with professionalism, offering friendly and efficient service.
- Maintained energy and enthusiasm in a fast-paced environment.
- Adhered to company standards, policies, and regulatory guidelines to promote a safe working environment.
- Participated in continuous improvement initiatives, generating suggestions and engaging in problem-solving to support teamwork.
- Reason for Leaving: Needed to get out of my comfort zone. Career growth
- Reason for Leaving: Needed to get out of my comfort zone. Career growth
Commercial Underwriter
Garagesure Consultants & Acceptances Pty Ltd
04.2003 - 11.2005
- Assessed risks to ensure compliance with company guidelines, enhancing underwriting decisions.
- Conducted annual renewal reviews, calculated loss ratios, and took appropriate action (renewals, adjustments, or declines).
- Underwrote Multimark III policy wording; processed quotes, new business, cancellations, endorsements, and renewals.
- Issued new business, amendments, renewals, and cancellations on the system; adjusted premiums and ensured accuracy of cover details and financial records.
- Obtained required information and requested surveys; communicated risk recommendations to brokers.
- Monitored company exposure against reinsurance capacity, processing documents and advising senior managers on risk management strategies.
- Resolved queries from brokers, claims, credit control, and other departments; escalated to team leaders or underwriting managers.
- Processed credits/refunds for cancellations, deletions of cover, and reductions in sums insured.
- Delivered excellent customer service by promptly addressing inquiries and concerns, fostering strong broker relationships.
- Assisted clients with surveys, claims, and portfolio updates.
- Issued policies and forwarded them to branches for delivery.
- Completed paperwork accurately, identifying and resolving discrepancies.
- Handled high call volumes daily, maintaining professionalism and efficiency.
- Prepared written communications, reports, and documents using Microsoft Word and other tools.
- Participated in continuous improvement initiatives, generating suggestions and engaging in problem-solving activities.
- Applied new skills to improve efficiency and productivity.
- Coordinated and planned tasks effectively to achieve results within deadlines.
- Maintained energy and enthusiasm in a fast-paced environment.
- Worked within company standards, policies, and regulatory guidelines to promote compliance and safety.
- Distributed policy documents to brokers and sent commission statements.
- Reason for Leaving: Career growth
Junior IT Technician
Compass Insurance
03.2003 - 03.2003
- Assisted employees with PC issues and installed new software/systems while maintaining office PCs, networks, and mobile devices.
- Monitored systems and swiftly troubleshot errors to ensure minimal downtime.
- Performed troubleshooting and repaired peripheral devices such as printers, scanners and PCs.
- Imaged and prepared new computers for integration into company networks and systems.
- Recovered critical information from data backups, restoring functionality and safeguarding data integrity.
- Refurbished PC systems and peripherals such as monitors, networking equipment, printers and more.
- Providing Internet Services Provider to clients.
- Completed a temporary assignment to fulfill project requirements.
Junior IT Technician
ICONET Pty Ltd
12.2002 - 02.2003
- Assisted help desk customers by troubleshooting computer-related issues such as virus removal, password resets, email setup and software installs.
- Resolved personal computer issues for employees, improving their productivity and efficiency.
- Maintained and repaired technological equipment and peripherals, ensuring optimal performance and reliability.
- Installation of new software/systems.
- Provided tailored internet service solutions to enhance connectivity for various clients.
- Performed complex mechanical alignments and equipment calibration to meet quality standards.
- Assessed maintenance needs and delegated repairs to skilled technicians.
- Reason for Leaving: Volunteered. Needed a salaried position.
Education
Higher Certificate - Short Term Insurance Certificate NQL 5
License To Skill
Cape Town05-2026
AI Programs - AI Programs Certificates
Coursiv
Online Program01-2026
Bachelors of Arts - Government, Administration and Development
University of South Africa
Johannesburg, GP05-2026
Certificate of Higher Education - Short Term Insurance Certificate NQF 4 (150 credits)
Licence to Skill
01-2021
Certificate - Advanced Project Management
University of Stellenbosch
01-2018
Programme - Short Term Insurance (NQF L5)
Unisa - Centre for Business Management
01-2013
RE5 - Regulatory Certificate
Moonstone
01-2012
FAIS Program - FAIS Program Certificate
Inhle Business Solutions
01-2009
Certificate - Project Management
Johnic Communication Learning
01-2005
IISA COP - Certificate of Proficiency in Short Term Insurance
MNS Management Network Services
01-2004
Diploma - Software Specialist
Boston College
01-2002
Matric - Matric Certificate
Mafolofolo Secondary School
01-2000
Skills
- Commercial/Personal Lines/Agriculture/Farming/Corporate Insurance Underwriting
- Technical Insurance Knowledge (Agri/Farming, Corporate, Business)
- Risk Assessment & Loss Ratio Management
- Claims Handling & Endorsements
- Policy Renewals & Credit Control
- Portfolio Growth & Client Retention
- Broker & Client Relationship Management
- Strong Communication & Negotiation Skills
- Policy underwriting
- Risk assessment
- Customer service
- Project management
Languages
English
Zulu
Sepedi
Custom Section
Debora
Availability
One Month
Personal Information
- ID Number: 8308300713087
- Ethnicity: African
Certification
- Completed AI Certification Programs
Interests
- Going to gym to stay fit
- Travelling
- Reading books
Timeline
Senior Underwriter (Business & Personal Insurance)
Bryte Insurance Company
02.2024 - Current
Personal Lines Insurance Broker & Office Manager
Discovery - DFC Insure (Brokerage for Discovery)
09.2018 - 11.2019
Business & Personal Broker Consultant
Discovery - DFC Business Insure (Brokerage for Discovery)
09.2017 - 01.2024
Personal Lines Broker Consultant
Pogir Short Term Insurance Brokers (Brokerage)
01.2015 - 08.2017
Commercial Insurance Underwriter
Risk Benefit Solutions/Katz Breskal
08.2012 - 12.2014
Commercial Underwriter
Etana Insurance Company
11.2010 - 03.2012
Commercial Underwriter
ABSA Insurance Company
01.2006 - 10.2010
Commercial Underwriter
Garagesure Consultants & Acceptances Pty Ltd
04.2003 - 11.2005
Junior IT Technician
Compass Insurance
03.2003 - 03.2003
Junior IT Technician
ICONET Pty Ltd
12.2002 - 02.2003
Higher Certificate - Short Term Insurance Certificate NQL 5
License To Skill
AI Programs - AI Programs Certificates
Coursiv
Bachelors of Arts - Government, Administration and Development
University of South Africa
Certificate of Higher Education - Short Term Insurance Certificate NQF 4 (150 credits)
Licence to Skill
Certificate - Advanced Project Management
University of Stellenbosch
Programme - Short Term Insurance (NQF L5)
Unisa - Centre for Business Management
RE5 - Regulatory Certificate
Moonstone
FAIS Program - FAIS Program Certificate
Inhle Business Solutions
Certificate - Project Management
Johnic Communication Learning
IISA COP - Certificate of Proficiency in Short Term Insurance
MNS Management Network Services
Diploma - Software Specialist
Boston College
Matric - Matric Certificate
Mafolofolo Secondary School