Nationwide is seeking an experienced people leader to step into a critical Life Underwriting leadership role supporting traditional & fluidless underwriting processes. This is an opportunity to lead a team of underwriting professionals responsible for delivering strong service, sound risk assessment, and a consistent partner experience across the business.

The ideal external candidate will bring a blend of deep life underwriting knowledge, proven people leadership, and the ability to lead through change. We are looking for a leader who can develop talent, elevate performance, create accountability, and foster collaboration across a geographically dispersed team.

This role is especially well suited for candidates who have led underwriting teams in complex environments and who can balance day-to-day operational leadership with longer-term team development. Experience leading varied levels of underwriting talent, from early-career analysts to more tenured specialists and consultants, will be important in this position.

This role is eligible for fully remote work.

Job Description Summary
Our underwriters work hard to provide the exceptional customer experience for which Nationwide is known. Actively engaging with our firms and financial professionals to get to know their clients and their needs builds our understanding of the market, what is needed to win business and put our best offer out first.

If you thrive working autonomously, making decisions on a variety of impactful issues and continuing to learn and adapt to grow, we want to know more about you!

As a Manager, you'll lead the day-to-day operations for the Life Underwriting team within Nationwide Financials' Life New Business organization. The team is responsible for mortality risk assessment and protecting Nationwide against sooner than expected mortality expenses as well as morbidity risk management for long term care insurance. You'll lead the team responsible to approve, modify, or decline applications through an underwriting assessment including evaluation of medical history, occupational hazards, financial background, insurable interest and other relevant information. The business mix consists mostly of universal life, term, long term care and variable universal life. The team handles the largest, highly sophisticated cases.

Job Description

Key Responsibilities:

• Leads and provides oversight to team roles and responsibilities while creating a highly engaged culture. Forward facing; handles performance of customer satisfaction, interaction quality and relationships. Focuses on maintaining relationships both internally and externally. Establishes practices for quality, production standards, relationship management, delivering on customer requests and schedule to adhere to compliance guidelines.
• Participates in, sponsors or owns major projects, leads the activities and staff providing guidance to supporting departments on team - assists in identifying and establishing relationship management guidelines and operational improvements that advance delivery of services to customers aligned with industry and regulatory requirements. Projects often include industry wide committees and involvement of key internal and external partners.
• Hires qualified and highly engaged underwriters. Drives a culture of coaching and feedback for personal and professional guidance. Develops talent in the organization for succession planning and handles all performance management tasks and related functions for team. Ensures associates are current and knowledgeable of the industry, competition and regulatory environment. Promotes industry training and involvement in related organizations.
• Owns the service relationships requiring a high level of technical expertise, and high touch, highly satisfied relationships are crucial for client and asset retention. Helps build and strengthen relationships through presentations, intermediaries and/or direct contact. Partners closely with Sales to ensure overall satisfaction with Nationwide. Develops staff to find ways to deepen Nationwide relationships and build additional sales opportunities for our Sales partners.
• Supervises activities to ensure clients are served timely and meets/exceeds quality standards. Responds to and resolves service issues and calls from Sales, firms, producers, and customers. Works with internal/external partners to ensure resolution. Works with various back office and internal departments to advocate for their relationships.
• Handles the implementation of all enacted state and federal regulations for products and procedures; ensuring Operations is prepared and informed of audits/regulatory/legislative changes in a timely manner. Partners with appropriate teams or individuals for the coordination of responses to regulatory matters.
• Uses outside-in approach and services as the "voice of the customer" in driving improvement opportunities. Leads the staff that takes audit recommendations and calibration sessions through the continuous improvement model. Identifies key opportunities for processes and procedures to be improved and aligned to ensure consistency and adherence to regulatory requirements including improvements outside of their own teams. Identifies key process and/or technology needs.
• Manages expenses to the established budget and finds opportunities and implements solutions to streamline process and reduce operating expenses. Participates in annual budget process to ensure adequate staffing and funding for providing outstanding levels of service. Makes decisions that support those budget goals through proper staffing, requirements management, utilization of third-party services and contractors, fosters the accelerated underwriting process, and holds associates accountable to production and quality standards.
• Receives customer concerns from field and sales partners to renegotiate the underwriting decision and is responsible for mentoring and developing the Underwriter.
• Handling up to $10,000,000 for life, up to $1,000,000 sign off for morbidity underwriting, and sign off authority for exceptions on Intelligent Underwriting.

May perform other responsibilities as assigned.

Reporting Relationships: Reports to Director Life Underwriting. Manages 10 to 12 Underwriters.

Typical Skills and Experiences:

Education: Bachelor's degree or equivalent work experience preferred.

License/Certification/Designation: EKG Certification preferred. FLMI and FALU certifications preferred. Participation in, or attainment of, professional/technical studies or designation such as the Chartered Life Underwriter (CLU) and Fellow of Life Management Institute (FLMI). Obtainment of AALU designation.

Experience: Ten years of life underwriting experience. Five years of leadership experience in a formal or informal capacity.

Knowledge, Abilities and Skills: Validated technical underwriting ability to receive, evaluate and underwrite on a medical or non-medical basis. Extensive knowledge of life underwriting principles and practices, including basic contract law. In-depth knowledge of anatomy, physiology, pathology, medical and non-medical risks related to life insurance. Interpretation of attending physicians' reports, medical examinations and medical test results. In-depth understanding of financial underwriting, as it pertains to life insurance. Knowledge of processing and information systems which support underwriting and new business submission. Knowledge of underwriting design and project management. Knowledge of handling and interpreting underwriting results.

Effective team leadership and management skills. Strong communication skills and ability to present externally. Relationship building skills. Ability to deal with ambiguity in a flexible and responsive manner. Maintains comfort with uncertainty, risk, and challenge. Ability to make difficult decisions and suggest alternative solutions. Consistently draws upon appropriate perspectives and resources. Ability to negotiate skillfully in difficult situations, with both internal and external groups. Possesses a proactive orientation, characterized by clear vision. Anticipates likely developments and implications and informs, motivates and can document breakthrough strategies, as they relate to underwriting issues.

Other criteria, including leadership skills, competencies and experiences may take precedence.

Staffing exceptions to the above must be approved by the hiring manager's leader and HR Business Partner.

Values: Regularly and consistently demonstrates the Nationwide Values.

Job Conditions:

Overtime Eligibility: Exempt (not eligible)

Working Conditions: Normal office environment. Some travel required.

We currently anticipate accepting applications until 08/21/2026. However, we encourage early submissions, as the posting may close sooner if a strong candidate slate is identified before the deadline.

Benefits

We have an array of benefits to fit your needs, including: medical/dental/vision, life insurance, short and long term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company-paid pension plan, business casual attire, and more. To learn more about the benefits we offer, click here.

This position could be filled within any of the lower 48 U.S. states.