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• Reviews insurance applications and documentation to evaluate the eligibility of each applicant in accordance with company guidelines and standards. Determines necessary medical, non-medical, regulatory, and compliance requirements. Reviews existing regulations and interprets their meaning and application. Escalates applications to Compliance when further review is necessary.
• Determines appropriate risk classification based on detailed research, collection and analysis of data, and sound judgment using underwriting criteria and philosophy. Makes sound risk selections to protect the company and satisfy customer expectations.
• Assesses the need for additional information or for referral to a Sr Underwriting Consultant for opinion or recommendation.
• Advises financial professional and customer(s) about the rationale for underwriting decisions, including adverse ones.
• Assists the financial professionals when there is a request or need for information relating to any aspect of the underwriting process.
• Supports customers, financial professionals, and internal associates with complex underwriting service issues.
• Co-signs the work of other underwriters.
• Mentors and trains less experienced underwriters.
• Participates in review of contestable claims to identify underwriting process improvements and consult on the overall outcome of the claim.
• Assists System’s Development Methodology (SDM) with business requirement development, test plan development, test plan execution, regression test plan development, user acceptance, and post implementation.
• Has approval authority for $250,000 Standard through $4,999,999 all rates, co-sign authority through $5 million all rates, and review limits up to $25 million.

• Reviews workflows and assigns work as directed.
• Performs project and committee work as assigned.
• Performs basic clerical duties required to support the underwriting process.
• Interprets normal electrocardiograms (ECG/EKG).
• Identifies and orchestrates updates to the Life Underwriting Guide.
• Performs other duties and/or projects as assigned.

• Strong verbal and written communication skills with a proven ability to effectively communicate underwriting decisions.
• Strong knowledge of underwriting risk assessment principles, research techniques, and medical terminology and treatments.
• Demonstrated ability to exercise sound judgment in the application of underwriting techniques.
• Excellent product knowledge.
• Strong analytical and problem-solving skills.
• Strong organization and prioritization skills.
• Ability to work well under pressure.
• Strong customer service skills.
• Proficient in Microsoft Office applications and other relevant department software.
• Ability to work independently and as part of a team.
• Ability to mentor more junior underwriters.

• Bachelor's Degree or equivalent combination of education and/or experience required.
  
• 5+ years of life underwriting experience required.
  
• Active pursuit or completion of a LOMA designation preferred.