Job Summary
The Risk Surveyor is responsible for ensuring the company does not write risks that
would unduly expose it to claims, and advises underwriting function and the client on
actions to be taken to mitigate risks. The role holder is also responsible for ensuring compliance with requirements set by
the regulator.
Roles and Responsibilities
- Inspecting properties, items, and operations of establishments to assess physical
condition, housekeeping, and work practices.
- Collating and assessing risk information on site; and using templates to record
assessments and collecting photographic evidence.
- Preparing detailed, comprehensive, and accurate risk survey reports as per the
company’s requirements.
Preparing risk improvement recommendations/ loss prevention reports.
- Protecting the interests of the company by conducting comprehensive and accurate
risk surveys and reports in order to provide underwriters with adequate information
to underwrite acceptable business correctly, which ultimately ensures profitability.
- Pointing out to underwriters the possible financial risk posed by offering insurance
cover for items, properties or sites inspected.
- Advising clients on-site and discussing opportunities and requirements to reduce the
level of risk, or introducing the need for risk improvement.
- Accompanying underwriters and business development staff on-site visits to help
them understand the practicalities of the site/risk.
- Liaising with other professionals, e.g. underwriters, brokers, client representatives,
inspectors of health and safety and fire officers about risk improvement measures at
insured’s sites as necessary.
- Keeping up to date with technical aspects affecting risks, e.g. trade processes,
legislation, hazardous materials
- Developing and promoting safety programs in relation to sites/property inspected.
- Acting as a technical point of referral, provides information and training, where
necessary, to support and develop the skills and knowledge of the underwriting and
claims teams.
- Identifying cases of under insurance and covers and makes appropriate
recommendations to clients, brokers and underwriters.
- Accompanying external risk surveyors, the company may appoint to survey risks as
necessary.
- Following up with the insured about implementation and monitoring of identified risk
improvement recommendations.
- Attending to any other assignments allocated by the company
Requirements
- Bachelor's Degree in Engineering or related discipline from a reputable university.
- Professional qualification(s) in insurance e.g. Enterprise Risk Management (EIA),
Environmental Impact Assessment and Audit (EIA) , Occupation Health and Safety
(OSH), ACII, FCII or equivalent
- At least three (3) years of relevant experience in a reputable insurance company.
Core Technical Competencies
- Ability to put together accurate schedules of work.
- Superior computer literacy in order to use the equipment and systems required for
the job role.
- Ability to make predictions on frequency and costs of insurance claims.
- Ability to analyze and interpret insurance risk profiles.
- High level interpersonal and cross-cultural skills, including ability to build alliances
and collaborative relationships with sensitivity to diversity.
- Must be a self-starter, highly organized, and able to work well with people at all
levels in the organization.
- High levels of integrity.
- Strategic thinking and problem-solving skills.
- Analytical and creative thinking skills.
- Good customer relationship management skills (internal and external customers).
- Good communications skills, both written and verbal.
- Self-motivated but able to work as part of a team.
- Good organizational and time-management skills.
- Positive attitude, self-motivated, self-driven and able to work with minimal
supervision.
- Good negotiation skills and persuasiveness