Senior Underwriter

MetLife Insurance; Sydney; On-site; AUD 120,000 - 160,000; Full time

Job summary

MetLife Insurance in Australia seeks an experienced underwriter to assess new business, additions and alterations within delegated authority. The role includes mentoring colleagues and contributing to training and policy guidelines.

You will underwrite personal and group risk products, collaborate with technical underwriting team, and engage with advisers and external partners while staying compliant with regulatory frameworks.

Qualifications

• Minimum five years of underwriting experience across all risk types.
• Ability to mentor other underwriters and provide technical guidance.
• Strong analytical, problem-solving and communication skills.
• Experience with industry trends and underwriting policy development.

Responsibilities

• Assess insurance applications via desktop and telephone underwriting.
• Underwrite all product lines within delegated authority.
• Develop and monitor underwriting rules for automated engine.
• Provide coaching and mentoring within the team.
• Build relationships with advisers, reinsurers and service providers.
• Ensure compliance with Legal and Regulatory frameworks.
• Collaborate with cross-functional teams (Claims, Product, Compliance).

Skills

Underwriting

Mentoring

Analytical thinking

Communication skills

Industry knowledge

Job description

The position is responsible for the assessment of new business, additions, alterations or other relevant transactions for all of MetLife’s risk products within their delegated authority. Additional key responsibilities include mentoring underwriters; undertaking over-authority checking; developing and presenting training to staff as required; and working with the technical underwriting team to develop guidelines as appropriate.

• Analyse personal, financial and medical data in order to assess insurance applications via desktop and telephone underwriting
• Underwrite all product lines and benefits within established underwriting authority, service standards and productivity targets
• Underwrite to MetLife’sstated underwritingstandards and principles to ensure profitable and reasonable risks are accepted
• Contribute to development and monitoring of underwriting rules for MetLife’s automated underwriting engine
• Consults with senior staff, other underwriters and the Chief Medical Officer as required
• Keeping abreast of industry trends and providing input into the formulation of the underwriting policy, philosophy and process as required
• Provide technical advice and guidance to other team members, including reviewing and signing off when second signatory is required
• Provide coaching and mentoring to underwriters within the team
• Build and maintain strong relationships with advisers/brokers, reinsurers, intermediaries, and service providers
• Work within Legal, Compliance and other regulatory framework
• Undertake retrospective underwriting reviews in a timely manner within legal frameworks
• Promote MetLife’s values to external clients and customers
• Provide underwriting opinions to Claims and other teams
• Perform other appropriate tasks as designated by UnderwritingManagement
• Self motivated with excellent time management skills
• Ability to contribute positively and consistently to the underwriting team’s rules of engagement and MetLife’s culture of Fast, Easy and Caring
• Experience in underwriting of all products (Term Life, TPD, Critical Illness and IP including complex medical and financial risks
• Ability to work across multiple product lines including retail, group and corporate streams
• Expertise maintaining relationships at all levels whilst displaying strong interpersonal skills
• Excellent written and verbal communication skills
• Solid commercial and industry awareness
• Strong customer focus, excellent problem solving ability, analytical skills and adaptability to change
• Desire to be actively involved in industry seminars, discussion groups and forums

Qualification Required:

• Minimum five years of underwriting experience across all risk types (retail, group and Corporate)

Key Business Relationships:

Internal

• Underwriting team members
• Technical underwriting team
• Claims team members
• Product teams
• Administration teams
• Distributions, marketing and actuarial teams
• Legal and Compliance

External

• Life insurance industry

About MetLife

Recognised on Fortune magazine's list of the "World's Most Admired Companies", Fortune World’s 25 Best Workplaces™, as well as the Diversity Council of Australia Inclusive Employer Award, MetLife, through its subsidiaries and affiliates, is one of the world’s leading financial services companies; providing insurance, annuities, employee benefits and asset management to individual and institutional customers. With operations in more than 40 markets, we hold leading positions in the United States, Latin America, Asia, Europe, and the Middle East.

As part of our New Frontier strategy, MetLife is building an AI-enabled, people-centered future. We’re looking for people who bring curiosity, adaptability, and a growth mindset as we use AI to enhance how we serve customers, support communities, and evolve the way work gets done. At MetLife, AI is a responsible partner that supports human judgment, creativity, and continuous improvement while helping us build trust, inclusion, and long-term value.

Our purpose is simple - to help our colleagues, customers, communities, and the world at large create a more confident future. United by purpose and guided by our core values - Win Together, Do the Right Thing, Deliver Impact Over Activity, and Think Ahead - we’re inspired to transform the next century in financial services. At MetLife, it’s #AllTogetherPossible. Join us!