Bilingual Underwriting Consultant

RBC; Mississauga; Presencial; CAD 67.000 - 110.000; Jornada completa

Descripción de la vacante

RBC in Mississauga, Canada seeks an experienced Life/Living Benefits Underwriter to assess mortality and morbidity within approved authority, supporting pricing and profitability while delivering high-quality client service in a production environment. You will provide underwriting recommendations, pursue cost-saving opportunities on declines, and ensure audit-compliant decisions.

The role requires English/French bilingualism, 5+ years of underwriting experience, strong analytical skills, and

Formación

• Minimum 5 years of Individual Life or Living Benefits Underwriting experience
• Bilingual (English and French)
• Analytical - synthesize complex or diverse information, collect and research data
• Problem Solving - gather and analyze information skillfully
• Strong oral and written communication skills
• Teamwork - contribute to building a positive team spirit
• Motivation - persistence and strive for excellence
• Quality - seek to improve and ensure quality of work

Responsabilidades

• Provide superior client-focused underwriting service balancing sales objectives within risk tolerance and profitability targets
• Ensure timely, competitive underwriting recommendations aligned with RBC pricing and profitability objectives
• Seek opportunities to reduce new business acquisition costs by offering revised offers, reconsiderations and additional products on declines
• Ensure audit results are within acceptable ranges
• Maintain quality of underwriting decisions as determined through audits

Conocimientos

Analytical

Problem solving

Communication

Teamwork

Motivation

Quality

Bilingual (EN/FR)

Descripción del empleo

Job Description

What is the opportunity?

This position is responsible assessing mortality and/or morbidity through a comprehensive risk evaluation process comprised of health, financial, lifestyle, occupation and personal history within pre-determined authority levels. The incumbent would be in a full production environment. The process is aligned with product pricing, with the mandate of acquiring and maintaining profitable business. Strategic priorities encompassed within the role include high quality client service and robust risk assessment.

What will you do?

• Provide superior client-focused underwriting service which balances sales objectives within risk tolerance and profitability objectives that contributes positively to persistency and reputation in the marketplace
• Ensure competitive underwriting recommendations are consistently made on a timely basis to RBC clients in order to place business that is consistent with RBC pricing and profitability objectives
• Seek new opportunities to reduce new business acquisition costs by reducing department wastage through increased modified offers, reconsiderations and offer additional products on declines, postpone and rated policies
• Ensure audit results are within acceptable ranges
• Maintain quality of underwriting decisions in all areas of UW as determined through audits by management, GRM, Internal Audit and Reinsurers

What will you need to succeed?

Must have:

• Minimum 5 years of Individual Life or Living Benefits Underwriting experience
• Bilingual (English and French)
• Analytical - synthesize complex or diverse information, collect and research data, use intuition and experience to complement data
• Problem Solving - gather and analyze information skillfully
• Strong oral and written communication skills
• Teamwork - contribute to building a positive team spirit
• Motivation - demonstrate persistence and overcome obstacles; measure self against standard of excellence as well as motivating others
• Quality - look for ways to improve and promote quality, apply feedback to improve performance, and monitor own work to ensure quality

Nice to have:

• Working knowledge encompassing the underwriting risk evaluation of Disability and Critical Illness insurance products

What's in it for you

• A Total Rewards program that includes flexible benefits, work/life balance and career development programs and investment and retirement savings plans
• Competitive pay and high-earning potential
• All the tools, training, and team support you need to grow your career
• Flexible work/life balance options
• Sophisticated RBCI software tools to boost your productivity

Job Skills

Client Counseling, Communication, Financial Statement Analysis, Life Insurance, Medical Informatics, Pricing Strategies, Results-Oriented, Risk Assessments, Underwriting

Additional Job Details

Address:

MEADOWVALE BUSINESS PARK, 6880 FINANCIAL DR:MISSISSAUGA

City:

Mississauga

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

INSURANCE

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2026-11-09

Application Deadline:

2026-11-30

Compensation for this position (including salary and discretionary/variable payments) will be determined by factors, including but not limited to candidate's experience, skills, registration status, performance, individual goals, market conditions, and business needs.

Pay Range

The expected pay range for this position is:

$67,000.00 - $110,000.00

The pay range provided is for the primary work location referenced in the Additional Job Details section of this job posting. Pay ranges may differ based on location. If the posting lists multiple job locations, a recruiter can confirm availability of the role and the relevant pay range for the additional locations listed. RBC supports pay transparency and we strive to ensure all pay ranges are competitive, fair, and equitable.

You have the potential to earn RBC's discretionary variable compensation program which gives you an opportunity to increase your total compensation, provided that business meets its performance targets and you meet your individual goals.

Our Employment Opportunities

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.