Senior Underwriting Consultant at Bright House Financial, LLC in Charlotte, NC

Key Responsibilities:

• Underwrites and accepts/rejects individual mortality and morbidity risks in accordance to Brighthouse underwriting guidelines. Case level work assignments may vary, and may include face amounts up to and exceeding $10M.
• Responsible for providing direction to underwriting staff, which could range from entry-level to senior staff levels. Co-sign for less experienced underwriters.
• Provides activity reports to Management. Takes leadership role on projects assigned by Management.
• Monitors trends and identify the needs for new or revised underwriting policies, procedures or practices.
• Responsible for assisting director with assignment and scheduling of work, monitoring time service and performance goals, and ensuring accurate, competitive classification of individual insurance risks.
• Interacts with customers to simplify the acquisition process while protecting mortality results.
• Mentors less experienced underwriting professionals and may provide second signature review.
• Makes business decisions that are financially responsible, accountable, justifiable, and defensible in accordance with departmental policies and procedures.

Essential Business Experience and Technical Skills:

• Working knowledge of insurance principles including mortality, morbidity, insurable interest and actuarial theory
• 8+ years of individual mortality insurance underwriting or equivalent experience
• Some management experience preferred
• Some morbidity underwriting experience preferred
• Undergraduate degree preferred or equivalent work experience
• AALU required, FALU preferred
• FLMI required or obtain within 12-18 months of employment
• Excellent written and oral communication skills to communicate clearly and concisely by telephone and email.
• Strong listening skills to ensure understanding of associate and customer questions and concerns. Overall, ability to effectively communicate.
• Ability to foster and develop successful professional relationships to elicit the trust and confidence of our customers and business partners
• Works with a sense of accountability and ownership; results driven
• Open to direction and Collaborative work style
• Solid knowledge of insurance products, services, operations, and business systems
• Competencies: Focuses on Customers, Use of Sound Business Judgment, Decision- making Ability, Communicates Effectively, Produces Results
• Supervisory Responsibilities: Prior experience mentoring or training junior underwriters preferred.
• Easily adaptable to changes in business processes, work priorities and work environment
• Comfortable with new technology and operating within multiple systems/work environments.
• Proficiency in Microsoft Office