Senior Director, Underwriting

We are a leading financial services provider committed to making decisions easier and lives better for our customers and colleagues around the world. From our environmental initiatives to our community investments, we lead with values throughout our business. To help us stand out, we help you step up, because when colleagues are healthy, respected and meaningfully challenged, we all thrive. Discover how you can grow your career, make impact and drive real change with our Winning Team today.

**Working Arrangement**

Hybrid

**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