Description of Duties and Responsibilities of an Underwriting Consultant or Senior Underwriting Consultant:

• Demonstrate a mastery of the Company’s product portfolio, implementation and enrollment processes, and marketplace influences.
• Deliver dependable, accurate and timely service while maintaining relationships with internal and external partners.
• Review and apply holistic underwriting approach when reviewing exams, laboratory results, medical tests, and attending physician statements/electronic health records using published underwriting and reinsurance manual guidelines.
• Develop and conduct underwriting presentations for Senior Management, Claims Examiners, Field, Home Office and brokerage distributors and other parties. Answer questions, provide support, and offer resources as necessary.
• Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met.
• Participate in development and/or delivery of Underwriting and product training material.
• Participate in and review internal audit and identify opportunities for improvement to underwriting quality gaps.
• Act as a technical resource for the Underwriters and provide developmental feedback on case level decisions within the context of a mentoring relationship.
• Analyze competitive market intelligence to identify trends. Provide guidance regarding the business unit’s performance, financial results, profitability, competition and market trends.
• Engage in advanced phone and email contact with Reinsurers regarding resolution of questions on potential cases.
• Underwrite cases in an efficient, sound, objective, and consistent manner with consideration for the Company’s philosophies, profitability, mortality expectations, and marketplace needs.
• Provide ongoing support to internal and external customers. Engage in communication with field associates, internal staff, and vendors in support of Company mortality, profitability, and sales objectives.
• Manage case inventory within time standards established by department management.
• Monitor case queue of supervised Underwriter Trainees.
• Special projects as needed or assigned.

• Minimum of 6 years of related experience is required.
• Excellent verbal and written communication skills while working with different levels of both internal and external stakeholders.
• Demonstrated ability to handle sensitive and difficult customer service situations is required.
• Training experience in an underwriting environment is required.
• Knowledge of company and industry products and procedures preferred.
• Chartered Life Underwriter (CLU) and industry involvement through participation (board member, program committee, or past president) in a local, regional, or national underwriting association is preferred.
• Intermediate proficiency with Microsoft Word and Excel required.
• Fellow Life Management Institute (FLMI) and Fellow, Academy of Life Underwriting (FALU) are both preferred.
• Ability to work on a team and independently.
• Ability to adhere to timelines and schedules without sacrificing quality.
• Ability to pay attention to detail and perform work reliably, accurately, and thoroughly.
• Ability to work outside of normal business hours to meet project deadlines.
• Ability to adapt to change and work under pressure.
• Ability to pay close attention to detail.
• Ability to travel up to 9% of the time.