Underwriting Consultant

Large Market Underwriting Consultant

The objective of the Large Market Underwriting Consultant will be to work with sales, underwriting and products and pricing to profitably grow Guardian's large market revenue and market share in the 1,000 lives and over market space. Key objectives will be to achieve targeted sales and earnings goals, train and mentor less experienced underwriters, manage complex technical underwriting issues, train account management, handle projects and recommend policy and strategy changes.

The underwriter will be responsible for providing pricing and plan design for companies with 1,000 or more lives utilizing prior claim experience and manual rates. Products include group dental, vision, FMLA, STD, LTD, life, accident, critical illness and hospital indemnity insurance. The underwriter will be an excellent negotiator who builds collaborative relationships with sales and other areas of Guardian to solve business issues and win. The underwriter will be both a confident communicator and an independent decision-maker.

Responsibilities include : recommending competitively priced products, funding arrangements, and services to meet customer requirements; determining pricing of new business and / or renewal business, including alternate plan of benefit options; communicating rate / fee development and plan design offered; assessing contract comparisons for takeover business; negotiating with sales representatives or agents / brokers to resolve rate questions and risk related concerns; managing administrative processing of cases; documenting case decisions and underwriting rationale; providing mentoring / coaching to help develop technical skills of others; conducting training for sales and / or underwriting staff; participating in project work or on teams to develop or improve underwriting processes; responsible for oversight and identification of any barriers to achievement of financial goals; improving Guardian's underwriting strategies to support key growth goals; having the opportunity to enhance the overall talent and knowledge level of large market underwriting, sales, and account management; being a go to person for technical issues and decision making for other team members; advising others on how to handle irregular administrative requests or technical underwriting risk analysis based on experience and capacity as a leader; being a go to person for the regional underwriting leader for the most complex work or key project work; handling a delegated part of a larger task for completion and integration with the overall deliverable; helping support large market team management with activities that are key drivers for the team to achieve results; continuously evaluating underwriting strategies, guidelines, and pricing relative to Guardian's internal results and external competitive position; recommending policy strategy changes; evaluating processes and making recommendations for changes.

You have : 5+ years of experience with group life, disability, and / or dental underwriting; background in experience-based rating and risk assessment; demonstrated ability to prioritize and efficiently manage multiple work items and due dates; proficiency of underwriting tools and systems; thorough knowledge of group insurance products / processes; knowledge of local market competition and strategy; proven analytical and mathematical skills and ability to apply them to complex cases and issues; ability to make decisions, solve problems and meet challenges in completing work; strong negotiation and conflict resolution skills; proven ability to work independently; excellent verbal and written communication and presentation skills; effective use of Word, Excel, and PowerPoint applications.

Leadership behaviors include : exhibiting Guardian's ways of working : think big and grow, accelerate impact, and lead change; continuously striving to provide superior products and customer service; taking ownership for meeting individual performance objectives; upholding Guardian's commitment to ethical business practices.

Location : This is a hybrid position requiring 3 days a week in a Guardian office.

Salary Range : $86,210.00 - $141,635.00

Our Promise : At Guardian, you'll have the support and flexibility to achieve your professional and personal goals. Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.

Inspire Well-Being : As part of Guardian's Purpose to inspire well-being we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues.

Equal Employment Opportunity : Guardian is an equal opportunity employer. All qualified applicants will be considered for employment without regard to age, race, color, creed, religion, sex, affectional or sexual orientation, national origin, ancestry, marital status, disability, military or veteran status, or any other classification protected by applicable law.

Accommodations : Guardian is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities.

Visa Sponsorship : Guardian is not currently or in the foreseeable future sponsoring employment visas. In order to be a successful applicant, you must be legally authorized to work in the United States, without the need for employer sponsorship.