Broker – Insurance Sales Corporate And SME

Under the supervision of the , the following are among the key responsibilities:

Identify, pursue and convert new business opportunities within the corporate and SME segments through client visits, referrals, campaigns, branch networks and relationship-management channels.

Conduct client needs and risk assessments and recommend appropriate insurance solutions.

· Prepare and present quotations, insurance programmes, proposals, presentations and tender submissions.

· Achieve agreed premium income, commission revenue, customer acquisition, retention, cross-selling and profitability targets.

· Build and maintain strong relationships with clients, insurers, underwriters and internal stakeholders.

· Coordinate policy placement, renewals, endorsements, cancellations and related documentation, ensuring renewals are initiated before expiry.

· Negotiate competitive pricing, coverage and service terms with insurers and underwriters.

· Guide clients on claims notification requirements and liaise with relevant stakeholders to support timely claims processing and escalation.

· Support premium collection, debt management and credit-control processes by following up outstanding premiums.

· Maintain accurate client, policy, claims and sales records and prepare regular portfolio-performance reports.

· Ensure all activities comply with applicable insurance regulations, internal policies, KYC, AML, data-protection and documentation requirements.

· Uphold the highest standards of ethics, integrity and professional conduct, including declaring conflicts of interest, safeguarding confidential information and reporting suspected misconduct through approved channels.

· Perform any other responsibilities or tasks assigned by management.

INTERNAL/EXTERNAL CONTACTS

· Corporate, SME and institutional clients.

· Insurers, underwriters, loss adjusters, assessors, service providers, regulators and industry stakeholders.

· Zanaco Insurance Brokers leadership, sales, claims, operations, policy administration, finance, credit control, compliance and risk teams.

· Zanaco Bank branches and relationship teams.

QUALIFICATIONS AND EXPERIENCE

· Grade 12 Certificate with at least five credits, including Mathematics and English.

· Degree in Insurance, Business Administration, Banking and Finance, Marketing, Risk Management or a related field.

· A Certificate in Insurance and membership of a recognised insurance professional body will be added advantages.

· At least five years’ experience in corporate or SME insurance sales, insurance broking, business development, account management, underwriting or client servicing within the insurance or financial-services sector.

· Sound knowledge of general insurance products, business-lines insurance, corporate and SME insurance, policy placement, renewals, endorsements and claims procedures.

· Demonstrated ability to assess business risks, structure insurance solutions, negotiate with insurers and prepare proposals, quotations and reports.

· Good understanding of premium collection, debt management and credit-control processes.

· Proficiency in Microsoft Word, Excel, PowerPoint, Outlook and relevant business systems.

JOB CORE COMPETENCIES

· Business development and sales orientation.

· Client relationship management and customer-service orientation.

· Insurance product knowledge.

· Negotiation and influencing.

· Risk assessment and analytical thinking.

· Attention to detail and accuracy.

· Planning, organisation and problem-solving.

· Effective verbal and written communication.

· Compliance and controls orientation.

· Results orientation, teamwork and collaboration.

· Professionalism, integrity, resilience, adaptability and confidentiality.