Senior Underwriter

The Senior Underwriter will focus on both standalone and hybrid product and examine, review, evaluate, classify and rate customer documents in order to determine compliance with company guidelines, underwriting criteria, philosophy, policy and procedures. Ensures timeliness, accuracy and productivity levels established by management. Provides leadership to lower level underwriters in their file review and underwriting in accordance with established protocols and underwriting criteria.

SENIOR UNDERWRITER RESPONSIBILITIES

• Working under minimal supervision with a great deal of autonomy review application and supporting documentation to ensure accuracy and completeness.
• Using established protocols, underwriting guidelines and procedures, analyzes risk, ensuring decisions are consistent with client and corporate guidelines and programs
• Approves, declines or rates the application within the established criteria, while utilizing clinical judgment.
• Demonstrates knowledge to underwrite multiple clients accurately within the protocols specified for each client. Quickly but carefully read, analyze and interpret medication lists, medical records, phone and in-person assessments, cognitive test scores, MIB and Prescription profile results (where applicable) and properly document findings.
• Assess risk of Long-Term Care using lifestyle, medical and cognitive information while processing a minimum of 50 cases weekly.
• Demonstrates effective communication and customer service skills both internally and externally, that includes use of the notepad and log, appropriate wording of decline letters, professional verbal communication with coworkers, applicants and clients. Prepares responses to special needs letters to applicants and clients.
• Assists with the daily processing for lower level underwriting staff, including mentoring, team conference and individual instruction utilizing the protocols and procedures established.