Underwriting Consultant

Job Posting End Date: August 30

About the Role

When you join the team at Unum, you become part of an organization committed to helping you thrive. 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.

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

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 marketplace 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.

Requirements

• 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.
• Demonstrated strong understanding of top-line and bottom-line objectives.
• 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.
• Strong commitment to quality and personal ownership of results.

Benefits

Unum offers a competitive and comprehensive benefits package that includes:

• Health, vision, and dental insurance.
• Short- and long-term disability insurance.
• Generous PTO, including paid time to volunteer.
• Up to 9.5% 401(k) employer contribution (5% match + 4.5% additional contribution regardless of employee contribution).
• Mental health support.
• Career advancement opportunities.
• Student loan repayment options.
• Tuition reimbursement.
• Flexible work environments.
• Performance-based incentive plans.

All benefits are subject to the terms and conditions of their individual Plans.

Pay

The base salary range for this position is $63,500.00–$120,000.00. Actual pay will be based on skill, geographical location, and experience.

About the Company

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.