Bilingual Underwriting Consultant

Royal Bank of Canada; Mississauga; Presencial; CAD 67.000 - 110.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Flexible benefits

Work-life balance

Career development

Investment/retirement plans

RBCI software tools

Descripción de la vacante

Royal Bank of Canada in Mississauga, Canada is seeking an experienced Life and Living Benefits Underwriter to assess risk and provide client-focused underwriting in a production environment. You will align with RBC pricing, maintain profitable business, and contribute to high-quality service and risk assessment.

The role requires at least 5 years of underwriting experience, bilingual English/French, strong analytical and communication skills, and teamwork to drive excellence.

Formación

• Minimum 5 years of Individual Life or Living Benefits underwriting experience.
• Bilingual in English and French.
• Analytical: synthesize complex 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: persistent and strive for excellence; motivate others.
• Quality: seek improvements and maintain high quality.

Responsabilidades

• Provide superior client-focused underwriting service balancing 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

Conocimientos

Client Counseling

Communication

Financial Statement Analysis

Life Insurance

Medical Informatics

Pricing Strategies

Results-Oriented

Risk Assessments

Underwriting

Descripción del empleo

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

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.

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.