Senior Life Underwriter: Strategy & Risk Lead

Raymond James Financial, Inc.

Southfield (MI)

In loco

USD 90.000 - 120.000

Tempo pieno

47 ore fa

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Descrizione del lavoro

Raymond James Financial, Inc. is seeking a Senior Life Insurance Underwriter to evaluate risk, determine premium classifications, and review applicants’ health, finances, occupation, travel, and lifestyle.

The role emphasizes sound underwriting principles and collaboration with financial professionals. The ideal candidate has 5+ years in life underwriting, holds an AALU designation, and demonstrates strong analytical, communication, and leadership abilities to manage complex cases and mentor

Competenze

Minimum 5 years of life insurance underwriting experience.
AALU designation required; actively pursuing FALU and/or FLMI preferred.
Strong knowledge of medical and financial underwriting principles.
Proficient in interpreting underwriting manuals, legislation, and insurance product provisions.
Exceptional analytical and risk assessment skills.
Strong written and verbal communication abilities.
Proven leadership and mentoring capabilities.
Ability to manage complex cases and make sound, independent decisions.

Mansioni

Risk Assessment & Decision-Making: evaluate risk and determine underwriting outcomes.
Evaluate new business, reinstatements, and coverage change requests.
Determine underwriting requirements and order medical exams or assessments.
Analyze applicant data from sources including MIB, medical records, financial documents, and MVRs.
Stakeholder Communication: collaborate with financial advisors and internal teams.
Process Management: balance workload and advisor expectations with underwriting capacity.
Document and update underwriting systems with accurate information.
Refer cases to reinsurance or consult with Chief Underwriter/Medical Director as needed.
Ensure decisions align with policies, standards, and regulatory requirements.
Draft correspondence such as approval/decline letters and memos.
Participate in policy and system improvements and stay updated on industry trends.