Senior Disability Underwriter

at Guardian Life in Boise, Idaho, United States

The Senior Disability Underwriter is responsible for exercising their discretion & using professional judgment in decision making of individual disability cases up to $15,000/monthly indemnity. They will use their training and experience to determine the insurability as well as premium classification of applications. The Senior Underwriter is also accountable for managing assigned work, maintaining excellent agency relationships, and ensuring customer satisfaction at the highest level. The Senior Disability Insurance Underwriter will work with adjacent departments, including Individual Disability Service & Administration, for the benefit of the facilitation of the entire underwriting and administrative process. The position requires the individual to operate in a cross- functional team environment.

You are

+ An independent decision-maker able to utilize resources and use logic to solve problems quickly and with minimal leadership assistance.

+ A self-starter who is fueled by collaboration and problem solving.

+ A confident and skilled communicator who can provide constructive, focused feedback.

+ Comfortable challenging the status quo and offering new ideas and solutions.

+ A positive role model highly focused on the consumer and a strong collaborator and leader with colleagues.

+ Highly focused on your own development and success, willing to accept stretch assignments, and creating meaningful development and career plans based on your skill development needs.

You will

+ Recognize and obtain requirements necessary in evaluating risks, consistently using the global approach (a broadened view of the entire case to forecast all needs and requirements at onset) to underwriting

+ Proficiently evaluate more complex medical, financial, non-medical information with little to no manager involvement, and review prior files as developed, to determine the risk classification according to company guidelines,

+ Communicate and/or negotiate with the field force and home office personnel for the purpose of acquiring necessary information, solving problems, and conveying decisions in a polite, confident, and professional manner

+ Consult with Medical Director and Mentors and/or senior underwriting staff for the purpose of resolving complex medical and non-medical histories

+ Interpret underwriting policy and implement established guidelines, department procedures, and compliance directives

+ Explain Guardian product information, risk classification,