Operation Officer

Job Summary

This role specialises in broker‑side pre‑underwriting for insurance brokerage business. You will conduct preliminary risk assessment on client insurance applications, review full application document packs, identify underwriting risks, liaise with sales advisors and insurance‑company underwriting teams, and ensure all cases meet submission and compliance standards set by the Insurance Authority and respective insurers.

Key Responsibilities

1. Perform broker‑side pre‑underwriting review for life & general‑insurance applications: assess health declarations, medical reports, financial information and all supporting documents to spot risk factors.
2. Evaluate application completeness and consistency; raise queries to sales teams to obtain missing or clarifying information before case submission to insurers.
3. Prepare underwriting notes / risk summaries and submit complete cases to insurance‑company underwriters.
4. Liaise directly with insurers’ underwriting departments: follow‑up on enquiries, additional‑medical requirements, deferrals, rated‑up premiums, exclusions and counter‑offers.
5. Relay insurer underwriting decisions back to internal sales teams; guide sales on follow‑up actions for non‑standard cases.
6. Maintain accurate case records, track end‑to‑end underwriting status, and update case‑progress logs for Insurance Authority compliance and audit purposes.
7. Compile regular operation reports: monitor pending underwriting cases, turnaround‑time statistics and case‑outcome breakdowns.
8. Assist Operation Manager to review and optimise internal pre‑underwriting workflows, document checklists and SOPs.
9. Handle ad‑hoc operational assignments related to policy amendments, renewal processing and compliance checks.

Requirements

1. Diploma / Higher‑Diploma or above; background in insurance, finance or risk management preferred.
2. Solid understanding of Hong‑Kong insurance‑application workflows; practical pre‑underwriting or insurance‑underwriting experience is a strong advantage.
3. Meticulous risk‑assessment mindset, able to interpret health‑declarations and medical documents and identify potential underwriting red flags.
4. Good command of written & spoken English, Cantonese; functional Putonghua for internal‑and‑external communication.
5. Proficient in MS Office (Excel, Word); familiarity with insurance‑system platforms is a plus.
6. Clear communication skills: coordinate effectively with sales teams and external‑insurer counterparts.
7. Awareness of Insurance Authority regulatory requirements; strictly maintain client‑data confidentiality.