Senior Underwriting Consultant

This is a fully remote position, open to applicants in Arizona, +5 more states.

📋 Description

• Assess applications that have significant financial implications and complexity.

• Analyze underwriting decisions while adhering to overall underwriting policies.

• Identify and offer solutions to workflow and systems challenges.

• Negotiate and manage time and resources to adhere to deadlines and service requirements.

• Provide training and serve as an information resource for junior underwriters.

• Conduct audits, formal appeal reviews, and reviews of contestable claims.

• Review applications for compliance with established underwriting guidelines and policies.

• Review medical record summaries to ensure guideline adherence.

• Support management with research initiatives related to risk assessment.

• Process formal underwriting appeals and address complaints.

• Evaluate underwriting fraud referrals and assist with portfolio reviews.

• Examine contestable claims for potential misrepresentation during underwriting.

• Oversee the underwriting process for the most intricate cases.

• Act as a subject matter expert for junior staff and management.

• Assist management with training staff and providing consultations.

• Foster relationships within a self-directed team setting.

• Present a professional image and serve as a role model for junior personnel.

⛳️ Requirements

• Bachelor’s degree or equivalent business experience.

• Ideally, 7 or more years of underwriting experience or exposure.

• In-depth understanding of the underwriting function.

• Solid knowledge of John Hancock's diverse business operations.

• Strong familiarity with referral areas.

• Excellent organizational, communication, and interpersonal skills.

• Strong analytical abilities; capable of defining, researching, and resolving issues.

• Exceptional skill in creating and maintaining customer relationships.

• Ability to prioritize tasks and work efficiently under deadlines while balancing service times with customer needs.

• Strong capability to comprehend, retain, and apply current technical information to daily operational challenges.

• Thorough knowledge of company plans, riders, benefits, and illustrations.

• Extensive understanding of medical science, technology, and terminology and their effects on morbidity.

• Ability to work independently and mentor junior colleagues.

🏝️ Benefits

• Incentive programs and compensation linked to business and individual performance.

• Health insurance coverage.

• Dental insurance benefits.

• Mental health support.

• Vision insurance options.

• Short- and long-term disability insurance.

• Life and AD&D insurance coverage.

• Benefits for adoption/surrogacy.

• Wellness benefits.

• Employee and family assistance programs.

• Retirement savings plans, including pension and 401(k) options.

• Global share ownership plan with employer matching contributions.

• Financial education and counseling resources.

• Up to 11 paid holidays.

• 3 personal days.

• 150 hours of vacation time.

• 40 hours of sick leave (or more as required by law).

• Statutory leaves of absence.

• Flexible working environment.

• Support for learning and career advancement.

• Commitment to diversity and inclusion.

• Remote work arrangements available.