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About the Role

The Senior Underwriting Consultant is responsible for evaluating applications of the highest financial impact and complexity. The incumbent will analyze decisions without compromising overall underwriting policies and should have the ability to work independently and guide more junior colleagues.

Responsibilities

• Identify and provide solutions to work-related problems and issues, including workflow and systems.
• Negotiate and manage time and resources to meet deadlines and service times.
• Provide training and act as an information resource for more junior underwriters.
• Process all aspects of auditing, formal appeal reviews, and contestable claim review.
• Audit applications underwritten to ensure compliance with established guidelines and policies.
• Audit medical record summaries for adherence to established guidelines.
• Assist management with research projects pertaining to risk assessment.
• Process formal underwriting appeals and complaints.
• Review underwriting fraud referrals for appropriateness and assist management with book of business reviews.
• Review contestable claims for potential misrepresentation during underwriting.
• Maintain good relationships within a self-directed team environment.
• Project a professional image and serve as an example to junior staff.
• Manage all aspects of the underwriting process for the most complex cases.
• Serve as a subject matter expert for more junior colleagues and management.
• Assist management with staff training and consultations.

Requirements

• College graduate or business equivalent.
• Strong knowledge of underwriting function.
• Sound knowledge of John Hancock's various businesses.
• Strong knowledge of referral areas.
• Strong organizational, communication, and interpersonal skills.
• Strong analytical skills; ability to define, research, and resolve problems.
• Excellent ability to create and maintain customer relationships.
• Ability to prioritize and work effectively under deadlines balancing published service times with an appropriate customer focus.
• Strong ability to comprehend, retain, and apply current technical information to daily work issues.
• Strong knowledge of company plans, riders, benefits, and illustrations.
• Strong knowledge of medical science, technology, and terminology and their impact on morbidity.

Skills

• Underwriting
• Risk assessment
• Auditing
• Communication
• Interpersonal skills
• Analytical skills
• Problem-solving
• Customer relationship management
• Time management
• Prioritization

Location

• Remote (Continental US)

Work Type

• Remote
• Full-time

Experience Level

• Senior
• 7+ years of underwriting experience or exposure preferred

Education Level

• College graduate or business equivalent

Salary/Compensations

• $92,475.00 - $160,290.00 USD

Benefits

• Health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage
• Adoption/surrogacy and wellness benefits
• Employee/family assistance plans
• Retirement savings plans (pension/401(k) savings plans and a global share ownership plan with employer matching contributions)
• Financial education and counseling resources
• Up to 11 paid holidays
• 3 personal days
• 150 hours of vacation
• 40 hours of sick time (or more where required by law)
• Full range of statutory leaves of absence
• Incentive programs and incentive compensation tied to business and individual performance

About the Company

• Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better.
• John Hancock Life Insurance Company (U.S.A.)

Equal Opportunity

• Manulife is an Equal Opportunity Employer.
• At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals.
• We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.
• It is our priority to remove barriers to provide equal access to employment.
• A Human Resources representative will work with applicants who request a reasonable accommodation during the application process.
• All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies.
• To request a reasonable accommodation in the application process, contact hr@manulife.com.