Tamuka Chikorova

Senior Insurance Technical Broker
KWD6000 / month
February 3, 1984

About Candidate

I hold a bachelor of Commerce Honours degree in Risk Management & Insurance, and my extensive qualifications include a Programme in Financial Management and a Programme in Advanced Risk Management. I am also proud to be an Associate of the Insurance Institute of South Africa (AIISA) and a member of the Risk Management Institute of South Africa.

My professional journey has equipped me with strong underwriting and advisory skills. I am adept at establishing operational excellence and have consistently engaged and empowered stakeholders to drive growth, benefitting both clients and employers.

In addition to my analytical awareness and meticulous approach, I bring dynamic, resourceful and energetic spirit to my work.

My expertise spans Construction? Engineering insurance ,Construction bonds and guarantees, Trade Credit Insurance as well as in-depth knowledge of Commercial Insurance. I am proud of my impeccable work ethic and strong interpersonal skills, enabling effective collaboration with individuals from diverse cultures and backgrounds.


I am passionate about my chosen profession and am actively seeking a role that involves integrative thinking, complex problem-solving, and the opportunity to contribute meaningfully to the organisation I represent.

References and qualifications are available upon request.


I appreciate your time and consideration and eagerly await the possibility of discussing how my skills and experience align with the interested organizations



B COM (Hons) Risk management & Insurance 2007
National University of Science and Technology

Honors Degree specializing in Risk Management & Insurance

Advanced Programme in Risk Management 2014
University of South Africa

Prost graduate programme in Risk Management

Programme in Financial Management 2011
University Of South Africa

Post graduate programme specialising in financial management

Work & Experience

Senior Technical Broker | Insurance Underwriter Engineering Insurance & Related classes, Surety Bonds & Guarantees 1 november 2007 - Currently employed here
GM Financial Services

Responsibilities: • Assess and negotiate quotes from carriers based on exposure, risk and financing for Engineering Insurance, Construction Bonds & Guarantees and Credit Insurance clients. • Ensure the provision of superior customer service standards across all stakeholder engagements. • Actively source clients, build lasting relationships with clients and offer them products that best cover the risks faced by their business. • Effectively assist in the development, documentation and execution of sales plans with emphasis on increasing marketing and sales activities. Engineering Related Insurances: • Conduct Risk Surveys on complex engineering projects. • Provide Specialty broking and advise to clients on various types of engineering insurance covers. • Appointed as Technical Expert to provide support on Contract Works complex claims. • Evaluate potential risks, negotiate pricing with insurers and analyse of loss control. • Evaluate new and existing policies in line with the company’s and insurers underwriting standards. • Analyse the engineering risks and determine whether to accept or reject the insurance proposal. • Provide advanced underwriting support whilst ensuring underwriting integrity to business partners. Construction Guarantees & Credit Insurance: • Analyse businesses of varying sizes to determine credit worthiness and amount of surety support or trade credit insurance limit. • Provide technical advice to surety clients on the implications of various surety bonds and guarantees wordings. • Perform due diligence to determine the creditworthiness of customers. • Review Surety bonds and Guarantees facilities in relation to clients financial and technical performance. • Advise clients on the various forms of collateral to be used for guarantees. • Market guarantees and trade credit insurance to clients. • Work with the Executive to develop a risk management plan for the organisation. • Perform risk identification, assessment, reporting and monitoring operations. • Review and recommend improvements to risk management procedures. Notable Achievements: • Part of team that introduced fuel guarantees and trade credit insurance to the organisation which increased company commission revenue by 40%. • Successfully utilised extensive knowledge of surety guarantees to restructure turned down applications on bonds and guarantees, while maintaining compliance with all underwriting and governance requirements.

Financial Lines & Casualty Classes Underwriter 1 July 2005 - 30 October 2007

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