Senior Underwriting Consultant

This is a fully remote position, open to applicants in Missouri.

📋 Description

• Works with limited supervision to assess and categorize medical, non-medical, and financial risks for complex life insurance cases up to $10,000,000, holding approval authority for amounts up to $5,000,000.

• Ensures that rate quotes are fair and just for clients, profitable for RGA Re, and completed within designated time frames.

• Maintains robust client relationships by offering underwriting solutions to client challenges and effectively communicating underwriting decisions, compromises, and solutions in a professional and client-oriented manner.

• Manages casework efficiently to meet or exceed time service/productivity goals and offer/decline ratios, while ensuring compliance with internal underwriting and audit guidelines.

• Collaborates with clients to provide underwriting solutions, identifying innovative ways to address their challenges and enhance their business outcomes.

• Develops and sustains strong working relationships with clients by understanding their business needs through effective listening.

• Communicates, advocates for, and negotiates RGA Re's underwriting decisions effectively.

• Stays updated on new client companies or industry products, current developments, and changes in medical and financial underwriting, while maintaining professional development through literature review and seminar participation.

• Identifies issues with the image system, sometimes remotely, and reports any inconsistencies or problems encountered.

• Collaborates with Medical Directors, team members, internal departments, and other RGA Re offices to gain expert knowledge and assist in identifying solutions that ensure quality results and client satisfaction.

• Engages in special projects, committees, and meetings, assisting in client presentations as needed.

• Aids in department training, updating internal underwriting guidelines/procedures, gathering client profiles, conducting audit reviews, and supporting other departmental needs.

• Maintains consistent and reliable attendance.

• Provides backup support and performs additional duties as assigned.

⛳️ Requirements

• Bachelor’s Degree or equivalent relevant work experience (minimum of 8 years).

• 4-6 years of reinsurance Life underwriting experience or 7-8 years of direct Life underwriting experience.

• Basic skills in Word, along with intermediate skills in SQL/Query and Excel.

• Proficient in understanding and interpreting insurance and contract documents.

• Advanced oral and written communication skills, demonstrating the capability to share and impart knowledge effectively.

• Ability to swiftly adapt to new methods and work under pressure with tight deadlines.

• Advanced investigative, analytical, and problem-solving abilities.

• Strong capacity to set goals and manage multiple tasks, clients, and projects simultaneously while balancing priorities, deadlines, and deliverables.

• Ability to collaborate well within a team environment and actively participate in department/team projects.

• Competence in balancing detail with departmental goals/objectives.

• Advanced proficiency in translating business needs and problems into feasible solutions.

• Strong skills in customer relationship management and change management.

• Capacity to manage multiple projects or teams and set relevant goals.

• Advanced negotiation and persuasion skills.

• Ability to liaise with individuals across various operational, functional, and technical disciplines.

• General business acumen.

• Advanced understanding of insurance principles, underwriting policies, procedures, and guidelines for risk analysis.

• Advanced knowledge of medicine, law, accounting, and finance as applied to the assessment of life reinsurance and life insurance risks.

• Ability to quickly comprehend, analyze, and apply extensive medical and financial information to make sound financial underwriting and risk assessments.

• Capability to work online, whether from home or remotely.

• Willingness to travel occasionally.

🏝️ Benefits

• Acquire valuable knowledge and experience from diverse, supportive colleagues across the globe.

• Enjoy a respectful and welcoming environment that values individuality and encourages innovative thinking.

• Participate in an annual bonus plan.

• Some positions qualify for participation in a long-term equity incentive plan.

• Comprehensive range of health, retirement, and additional employee benefits.