Job: Life Underwriter

Job Description

  • Reviews all pertinent information provided during the application process and makes a final determination to issue, decline, rate up or post pone underwriting decision
  • Reviews of upfront underwriting data/tools, including internal and external underwriting manuals
  • Conducting tele-interview with clients to complete their medical history by asking probing questions and detecting gaps, while balancing great customer service
  • Handling additional underwriting requirements by determining value, ordering, and reviewing to perform risk selection
  • Finalizing cases based on carrier specific and industry best guidelines
  • Data entry of medical history and utilize system work benches to process and decision cases
  • Demonstrate dependability, organization, and sound judgement by adhering to schedules and meeting all productivity, quality, and performance standards.

Job Information

Formal Qualification :

  • Undergraduate degree or equivalent work experience
  • Completion of insurance related coursework and/or accreditations

Experience : 3+ years

No.of Positions : 1

Job Type : Permanent

Duration : Full Time - Day shift (Monday to Friday)

Technical Skills :

The Underwriter works closely with other member of the Underwriting team to become proficient at the customer’s Underwriting policies and procedures, medical terminology, physiology, anatomy, pharmacology, insurance and underwriting operations. This position is involved in reviewing all information associated with the customer’s application process and making final decision on the application for insurance in accordance with the customers internal and reinsurance guidelines and industry best practice.

Required Skills/Experience:

  • Prior underwriting experience with U.S. based Life Insurance carrier
  • Experience with reviewing and coding for MIB
  • Strong PC and typing skills to include general MS Office skills required to data enter and process information; must be extremely comfortable with web-based underwriting analysis tools and imaging systems
  • Effective written and verbal communication skills with ability to build rapport and gain acceptance at all levels while exercising tact, diplomacy, and resourcefulness
  • Critical thinking skills and attention to details with ability to quickly identify information by categorizing, estimating, recognizing differences or similarities and detecting changes in circumstances or events
  • Ability to interpret meaning of information for others; translating or explaining what information means and how it can be used
  • Ability to develop specific goals, plan, and prioritize work
  • EKG and Cardiac test interpretations preferred
  • Ability to travel for up to 2 weeks at a time for training
  • Home office HIPAA complaint setting with ability to connect directly to modem (no Wi-Fi)

Preferred Experience:

  • Minimum $1,000,000 approval limits without second sign (all ratings including declinations)
  • Minimum review authority $2,000,000
  • Special Consideration given to highly technical, reinsurance, and brokerage underwriting experience with approval authorities in excess of $7,000,000.
  • Familiarity with reinsurance underwriting manuals/guidelines

Location : Remote (US Only)

Contact : Hiring Manager & Senior Director of Underwriting and Data Abstraction Services,
Coleen Moser, at cmoser@enoahisolution.com

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