VB Underwriting Consultant

Unum; Columbia (SC); On-site; USD 64,000 - 120,000; Full time

Benefits offered by this job

Health

Vision

Dental

Short & Long-Term Disability

PTO including volunteering

401(k) employer contribution

Mental health support

Career advancement

Student loan repayment

Tuition reimbursement

Flexible work environments

Job summary

Unum is seeking an Underwriting Consultant in Columbia, SC to demonstrate expert risk evaluation, selection and profitable book of business within authority limits. You will partner with sales teams and brokers, mentor junior underwriters, and lead change to drive results.

You will influence internal partners, deliver accurate risk assessments, and contribute to policy development while managing complex cases with a focus on quality and profitability.

Qualifications

• Bachelor's degree or equivalent, relevant business experience.
• Senior Underwriter proficiency demonstrated consistently.
• Mastery of product provisions, plan designs, pricing and benefits.
• Excellent risk selection expertise.
• Clear understanding of top-line and bottom-line objectives.
• Solid grasp of sales/distribution process and market trends.
• Strong mentoring and coaching skills.
• Creative problem solving abilities.
• Critical thinking and analytical reasoning.
• Excellent verbal and written communication skills.
• Strong organizational skills and ability to manage priorities.
• Persuasiveness and negotiation capabilities.
• Ability to work independently and in a team.
• Commitment to quality and personal ownership of results.

Responsibilities

• Consult with sales and service partners to tailor products and plan options.
• Evaluate risk to ensure profitable new cases and retained in-force cases.
• Conduct high quality risk assessments to meet guidelines and targets.
• Identify risk trends and recommend addressing them.
• Contribute to policy and procedure development for product initiatives.
• Demonstrate mastery of product portfolio and related processes.
• Deliver dependable service while maintaining partner relationships.
• Mentor junior underwriters and provide feedback on decisions.
• Provide input to management regarding mentee performance.

Skills

Senior Underwriter

Risk assessment

Mentoring

Negotiation

Analytical thinking

Education

Bachelor's degree or equivalent

Job description

Job Posting End Date: September 29

When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life’s moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide: Award-winning culture Inclusion and diversity as a priority Performance Based Incentive Plans

Competitive benefits package that includes:

• Health
• Vision
• Dental
• Short & Long-Term Disability
• Generous PTO (including paid time to volunteer!)
• Up to 9.5% 401(k) employer contribution
• Mental health support
• Career advancement opportunities
• Student loan repayment options
• Tuition reimbursement
• Flexible work environments

*All the benefits listed above are subject to the terms of their individual Plans.

And that’s just the beginning… With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you’re directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!

General Summary:

The Underwriting Consultant will demonstrate expert risk evaluation, selection and retention of profitable business within assigned authority limits. This also requires a strong ability to partner with Company sales teams, brokers and all internal partners. This role may also assist with the training, technical development and mentoring of other underwriters. Additionally, the incumbent will lead and influence others in the organization to support change and drive profitable results.

Principal Duties and Responsibilities

• Consult with sales and service partners to provide the products and plan options that best meet the needs of our customers.
• Evaluate and select risk to ensure the profitable acquisition of new cases and the continued profitable retention of in force cases.
• Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met.
• Identify and analyze risk trends, making recommendations for addressing these
• Contribute to the development of policies and procedures in support of product development initiatives.
• Demonstrate a mastery of the Company’s product portfolio, the sales, implementation, and enrollment processes, and market place influences
• 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 level decisions within the context of a mentoring relationship.
• Act as a mentor and coach, providing input to management regarding mentee performance.

Job Specifications

• Bachelors 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
• Demonstrated 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

#LI-TB1 ~IN1

Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.

Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.

The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience. $63,500.00-$120,000.00 Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.

Company: Unum

At Unum Group, we’re a Fortune 500 company and leading international provider of workplace benefits and services, helping workers and their families thrive for more than 175 years. Through our Unum and Colonial Life brands, our company offers disability, life, accident, critical illness, dental and vision insurance; leave and absence management support; and behavioral health services. Our 10,000+ employees work across operations in the US, UK and Poland, as well as our dedicated Technology Centre in Ireland.

Unum Group is committed to working with and providing reasonable accommodations for any applicant with a disability. If you are disabled and need a reasonable accommodation to participate in the application or hiring process, please contact us by submitting a request here.