The opportunity
We are seeking an experienced underwriter in HNW to manage the complete underwriting process, ensuring compliance with medical, financial, and regulatory standards. The role involves risk evaluation, maintaining underwriting consistency, and mentoring junior underwriters. The candidate will make competitive offers while upholding company policies and maintaining positive relations with partners. Senior Life Underwriters looking for a progression into the HNW space will be considered.
Responsibilities
- Manage all aspects of underwriting process (medical, financial, compliance and regulatory assessment) within your delegated authority and service level agreements.
- Select and classify risks according to company philosophy, standards and risk framework.
- Maintain underwriting consistency in line with internal underwriting guidelines.
- Contribute to the continuing training and development of more junior underwriters.
- Ability to adapt to changing underwriting philosophy and apply new approaches.
- Strong independent problem solving ability including research and presentation of potential solutions.
- Communicate and collaborate with the field and head office colleagues to provide the highest quality and service levels to customers.
- Maintain positive and effective relationships with internal and external partners.
- Consistently make competitive offers without compromising overall underwriting policies or mortality experience.
What motivates you?
- You obsess about customers, listen, engage and act for their benefit.
- You think big, with curiosity to discover ways to use your agile approach and enable business outcomes.
- You thrive in teams and enjoy getting things done together.
- You take ownership and build solutions, focusing on what matters.
- You do what is right, work with integrity and speak up.
- You share your humanity, helping us build a diverse and inclusive work environment for everyone.
What we are looking for
- Minimum 8 to 10 years underwriting experience
- Senior Life Underwriters looking for a progression into the HNW space will be considered.
- AALU or FALU designation preferred. ACS designation is helpful.
- Expert knowledge of underwriting function; sound understanding of various business operations.
- Awareness of current affairs and issues both corporate and external.
- Excellent organizational, communication and interpersonal skills.
- Excellent analytical skills; ability to define, research and resolve problems.
- Ability to create and maintain strong customer relationships.
- Ability to prioritize and work effectively under deadlines, balancing published service times with an appropriate customer focus.
- Ability to comprehend, retain and apply current technical information to daily work issues.
- Solid knowledge of insurance contract law and state legislative requirements.
- Expert knowledge of reinsurance marketplace (including underwriting strengths and weaknesses) to work proactively with the field where reinsurance is an opportunity.
- Thorough understanding of automatic reinsurance agreements.
- Expert knowledge of medical science, technology and terminology and their impact on mortality.
- Expert knowledge of financial and other non-medical underwriting factors.
What can we offer you?
- A competitive salary and benefits packages.
- A growth trajectory that extends upward and outward, encouraging you to follow your passions and learn new skills.
- A focus on growing your career path with us.
- Flexible work policies and strong work-life balance.
- Professional development and leadership opportunities.
Our commitment to you
- Values-first culture
We lead with our Values every day and bring them to life together. - Boundless opportunity
We create opportunities to learn and grow at every stage of your career. - Continuous innovation
We invite you to help redefine the future of financial services. - Delivering the promise of Diversity, Equity and Inclusion
We foster an inclusive workplace where everyone thrives. - Championing Corporate Citizenship
We build a business that benefits all stakeholders and has a positive social and environmental impact.
