Senior Underwriter & Risk Strategy Leader (Hybrid)

Unum; Chattanooga (TN); On-site; USD 64,000 - 120,000; Full time

Benefits offered by this job

Health insurance

Vision insurance

Dental insurance

Short/Long-term disability

Paid time off

401(k) match

Mental health support

Career growth

Student loan repayment

Tuition reimbursement

Flexible work

Job summary

Unum is seeking an experienced Underwriting Consultant in Chattanooga, TN to lead risk assessments, select profitable cases, and mentor junior underwriters. You will partner with sales teams, brokers, and internal partners to design optimal plans and pricing while guiding best practices in risk management.

The role emphasizes high-quality risk analysis, process improvement, and ownership of results in a dynamic environment with opportunities for professional growth.

Qualifications

• Bachelor's degree or equivalent, relevant business experience
• Demonstrated, consistent proficiency at Senior Underwriter level
• Mastery of product provisions, plan designs, pricing and contractual benefits
• Excellent technical expertise in risk selection
• Strong understanding of top-line and bottom-line objectives
• Exhibit complete understanding of sales/distribution process and market trends
• Strong mentoring and coaching skills
• Strong creative problem solving skills
• Strong critical thinking/analytical reasoning skills
• Excellent communication skills, both verbal and written
• Strong organizational skills and ability to handle multiple priorities
• Highly skilled in persuasiveness and negotiation
• Demonstrated ability to work both independently and in a team environment
• Exhibit a strong commitment to quality and personal ownership of results

Responsibilities

• Consult with sales and service partners to provide products and plan options that best meet customer needs
• Evaluate and select risk to ensure profitable acquisition of new cases and profitable retention of in-force cases
• Conduct high quality risk assessments on all cases to meet guidelines, target profit and metrics
• Identify and analyze risk trends, making recommendations for addressing these
• Contribute to development of policies and procedures in support of product development
• Demonstrate mastery of company’s product portfolio, sales, implementation and enrollment processes
• Deliver dependable, accurate, and timely service while maintaining relationships with internal and external partners
• Act as a technical resource for junior underwriters and provide developmental feedback on case decisions
• Act as a mentor and coach, providing input to management regarding mentee performance

Skills

Risk evaluation

Risk selection

Risk retention

Mentoring

Negotiation

Analytical reasoning

Verbal and written communication

Organizational skills

Independent work

Team collaboration

Ownership of results

Education

Bachelor's degree or equivalent

Job description

Unum is seeking an experienced Underwriting Consultant in Chattanooga, TN to lead risk assessments, select profitable cases, and mentor junior underwriters. You will partner with sales teams, brokers, and internal partners to design optimal plans and pricing while guiding best practices in risk management.

The role emphasizes high-quality risk analysis, process improvement, and ownership of results in a dynamic environment with opportunities for professional growth.