Director, Hnw Underwriting

**The opportunity**

We are seeking a high performing individual to provide guidance and assist Underwriting Management with research and training of Underwriting Staff. Takes the lead role on the high scope and complexity Underwriting department projects.

**Responsibilities**:

- Manages a team focused on underwriting
- Provides leadership and direction in hiring, professional development and training of technical underwriting professionals
- Manage all aspects of potentially unlimited total line in close association with reinsurers.
- Select and classify risk according to company philosophy and standards.
- Participate in and provide a leadership resource for projects in the Underwriting Department.
- Be an information resource for underwriters at all levels.
- Combine appropriate attention to established standards of turnaround with higher level of service and professionalism.
- Analyze and interpret medical, non-medical, and financial information.
- Make decisions within approval limits.
- Ensure that complete and appropriate underwriting requirements are completed while at the same time practicing effective expense management.
- Management of reinsurance process to ensure maximum capacity while avoiding reinsurance “gridlock”.
- Management/control of diversification process as “lead” underwriter on very largest of cases.
- Manage referral/consultation process to ensure that timely and accurate decisions are provided.
- Manage mortality on preferred block of business, through flex guidelines to ensure pricing/mortality expectations are met.
- Ensure consistency and adherence to established departmental guidelines though referral process.
- Actively participate in the development, implementation and management of New Business initiatives.
- Actively participate in the ongoing training and professional development of underwriting team.
- Act as resource/mentor to other members of the underwriting team, particularly at the consultant level.
- Champion appeals and business decisions in concert with the Chief Underwriter.
- Maintain positive and effective relationships with internal and external partners.

**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 15 years underwriting experience
- Applicable underwriting and insurance designations preferred
- Expert knowledge and understanding of medical, non-medical and financial underwriting principles and practices
- In depth knowledge of unique estate, business and insurance planning tools and techniques
- In depth/current knowledge of political, economic, financial and legislative events which may impact client needs
- Expert knowledge of company’s insurance product portfolio and ability to marry that knowledge with an understanding of producer/client need
- Expert knowledge of reinsurance, market place treaties, agreements and available capacity
- Exceptional priority management with ability to work effectively under deadlines, balance published service times with an appropriate customer
- Strong organizational, analytical and problem-solving skills
- Effective presentation skills
- Strong written and verbal communication skills
- Strong customer service orientation
- Expert knowledge of insurance contract law and state legislative requirements as they relate to the underwriting and issue of insurance contracts
- High level understanding of product pricing principals

**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.

**About Manulife and John Hancock**

**Manulife is an Equal Opportunity Employer**

**Working Arrangement**

Hybrid