Market Underwriter
Underwriter job in Juneau, AK
This job serves as the single-point-of-contact for sales teams and assigned customers, delivering insights and recommendations to sales in order to aid customer acquisition/retention while maintaining performance goals. This incumbent will collaborate with cross functional team members on client-level quotes and function as a trusted adviser by providing financial and risk management support to sales as well as strategic insight.
**ESSENTIAL RESPONSIBILITIES**
+ Understand department and the company'sstrategic goals and competitive position and drives client-level results towards these ends. Actively work with Sales team to manage portfolio of clients towards financial and business targets, e.g. membership, revenue, margin, etc.
+ Proactively draw insights from quote details, client understanding and regional insights to deliver best-possible recommendation to Sales. State and maintain independent perspective, including under pressure from more senior individuals, identifying opportunities and concerns.
+ Responsible for portfolio of clients through underwriting engagement, from identification through documentation of final sold-contract details
+ Assess risk by looking at various risk measures such as risk scores, demographic analysis, and turnover considerations.
+ Serve as the accountable owner for all quotes delivered to sales partners. Develop a perspective on each client package deliverable. Clearly and confidently communicates Underwriting's position on the risk profile of each client
+ Identify tool improvement needs and communicates needs to Product Development teams
+ Maintain accurate book management details including concession budget
+ Other duties as assigned or requested.
**Required**
+ Bachelor's Degree in Science, Technology, Mathematics or related field
**Substitutions**
+ Six (6) years additional experience required in lieu of degree
**Preferred**
+ None
**EXPERIENCE**
**Required**
+ 3 years of Health Care Underwriting OR risk mgmt OR actuary work OR applying advanced mathematics
to include
+ 1 years of external client interaction or comparable external interactions
**Preferred**
+ 1 year in Risk Management **OR** of Actuary work **OR** of applying Advanced Mathematics
**LICENSES or CERTIFICATIONS**
**Required**
+ None
**Preferred**
+ None
**SKILLS**
+ Understanding of health products, services, risk assessment and techniques
+ Consultative mindset
+ Strong Oral and Written Communications skills
**Language (Other than English):**
None
**Travel Requirement:**
0% - 25%
**PHYSICAL, MENTAL DEMANDS and WORKING CONDITIONS**
**Position Type**
Office-based
Teaches / trains others regularly
Rarely
Travel regularly from the office to various work sites or from site-to-site
Occasionally
Works primarily out-of-the office selling products/services (sales employees)
Never
Physical work site required
Yes
Lifting: up to 10 pounds
Constantly
Lifting: 10 to 25 pounds
Rarely
Lifting: 25 to 50 pounds
Never
**_Disclaimer:_** _The job description has been designed to indicate the general nature and essential duties and responsibilities of work performed by employees within this job title. It may not contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees to do this job._
**_Compliance Requirement_** _: This job adheres to the ethical and legal standards and behavioral expectations as set forth in the code of business conduct and company policies._
_As a component of job responsibilities, employees may have access to covered information, cardholder data, or other confidential customer information that must be protected at all times. In connection with this, all employees must comply with both the Health Insurance Portability Accountability Act of 1996 (HIPAA) as described in the Notice of Privacy Practices and Privacy Policies and Procedures as well as all data security guidelines established within the Company's Handbook of Privacy Policies and Practices and Information Security Policy._
_Furthermore, it is every employee's responsibility to comply with the company's Code of Business Conduct. This includes but is not limited to adherence to applicable federal and state laws, rules, and regulations as well as company policies and training requirements._
**Pay Range Minimum:**
$50,200.00
**Pay Range Maximum:**
$91,200.00
_Base pay is determined by a variety of factors including a candidate's qualifications, experience, and expected contributions, as well as internal peer equity, market, and business considerations. The displayed salary range does not reflect any geographic differential Highmark may apply for certain locations based upon comparative markets._
Highmark Health and its affiliates prohibit discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibit discrimination against all individuals based on any category protected by applicable federal, state, or local law.
We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact the email below.
For accommodation requests, please contact HR Services Online at *****************************
California Consumer Privacy Act Employees, Contractors, and Applicants Notice
Req ID: J272541
Tele Sales Final Expense, LIFE INSURANCE and IUL
Underwriter job in Anchorage, AK
We have the systems, we just need Your Ambition. Are you an agent who has yet to master tele sales? Or perhaps a great sales professional who has never been given the opportunity to earn what you are worth? If you answer yes to either question, then continue reading.
Deeply committed to a culture of Intelligence, Innovation, Integrity, and agent support, The Wagner Agency offers agents a full-service company to work with.
Why Work with The Wagner Agency?
You can review our 15-minute overview below.
https://vimeo.com/917***********145acb?share=copy
If you find alignment please book into my calendar and we will be able to answer questions and get you moving forward.
**********************************
You will be trained to work with interested clients and have access to multiple A+ rated carriers.
We specialize in IUL's, Term, Whole Life, Annuities with a heavy emphasis on using IUL's for the tax-free retirement planning process.
We offer generous compensation up to 140% plus bonus
Consultative approach. No pressures sales required. We train to serve your clients.
Agents will be trained in both tele sales and virtual presentations using Zoom.
We work in the middle class and senior markets where families are UNDER insured.
In-house and COMPLIANT marketing is offered but not mandatory.
Responsibilities:
The ideal candidate will be willing to work a minimum of 20+ hours a week.
Be willing to learn our company's selling system including phone script, virtual presentation & product placement.
Team supported environment, communication and engagement is required with LMS (Learning Management System).
Must be able to review underwriting guidelines and make product selection based on clients age, health, and desired insurance coverage.
We hire par time and full time.
Qualifications:
Licensed Life Insurance or Health Agents or TOP sales rep or willing to become Licensed.
Coachable, Patient, Ambitious and a Team Player mentality!
Must have basic computer skills.
Must have a smart phone and a laptop and connected to the internet.
Apply today.
Auto-ApplySenior Processor
Underwriter job in Anchorage, AK
Reports To: Mortgage Processing Supervisor
Functions Supervised: None
Primary Functions: Process mortgage loan applications and assist assigned originator. Act as a coach and mentor to other Processors within the department.
Duties and Responsibilities:
Verify all information received in the mortgage loan application via letters to employers, banks, creditors, etc.
Maintain logs and files as necessary regarding mortgage loan applications processed.
Order appraisals, surveys and updated credit reports, as directed by the Underwriter.
Communicate and coordinate with originators and members, collection of documentation and information, stipulations/conditions or any other pertinent data needed to submit to underwriting and obtain approval.
Address member concerns and inquiries quickly, professionally and courteously.
Input, validate and confirm all required data into appropriate Automated Underwriting (AU) system(s) required for approval and closing.
Order items timely and accurately to ensure processing time frames are met and production standards and goals are achieved.
Respond to Quality Control and Loan Delivery requests within specified time lines as directed by each department.
Provide assistance to and help in the training of other processors as necessary.
Review processed loan packages prior to submission to ensure completeness, quality and accuracy.
Participate in seminars and other training to maintain required knowledge and skill development. Complete all required training within specified deadlines.
Act as a Team Lead within your department. Coach, train and mentor other Processors.
Expert pipeline management and meeting deadlines.
Perform other duties as assigned.
Qualifications
Education: High school graduate or equivalent.
Creditable Experience in Lieu of Education: Not Applicable
Experience/Skills: One to two years in the Processor III position or prior mortgage experience. Two plus years direct public contact preferred. Expert proficient at typing with a knowledge of office machines, some math aptitude and letter composition familiarity. One year experience in mortgage loan processing with basic knowledge of most program processing requirements. Personal computer experience preferred.
Tenure: Processor I (Category 13) requires 12 months tenure in a Category 14 mortgage position with a meets or exceeds expectations. Processor II (Category 12) requires 12 months tenure in Processor I (Category 13) position with a meets or exceeds expectations. Processor III (Category 11) requires 1-2 years tenure in a Processor II (Category 12) position with a meets or exceeds expectations. Senior Processor (Category 10) requires 1-2 years in a Processor III (Category 11) position with a meets or exceeds expectations. Directly related work experience and/or accelerated training completion may be substituted for tenure for all positions.
Compensation
Salary Pay Range:
Processor I (Category 13): $49,284 - $73,391 annually
Processor II (Category 12): $53,226 - $81,405 annually
Processor III (Category 11): $57,484 - $90,230 annually
Senior Processor (Category 10): $63,233 - $99,908 annually
Starting base salary will be determined based on candidate experience, qualifications, education, and local or state wage requirements, if applicable and will fall within the range provided above.
In accordance with our Salary Administration policy, new hire base salaries generally fall within the minimum to midpoint of the listed range.
Benefits
Short-term and long-term incentives
Comprehensive medical, dental and vision insurance plan that has HSA and FSA options
401(k) plan with a 5% match
Employee Assistance Program (EAP)
Life and disability coverage
Voluntary cash benefits for accident, hospitalization and critical illness
Tuition Reimbursement
Generous leave programs to include Paid Time Off accrual, Paid Sick Leave, Paid Holidays
Click here to view Global's comprehensive Benefits Programs
Equal Opportunity Employer
Auto-ApplyCase Underwriter II
Underwriter job in Juneau, AK
Trustmark's mission is to improve wellbeing - for everyone. It is a mission grounded in a belief in equality and born from our caring culture. It is a culture we can only realize by building trust. Trust established by ensuring associates feel respected, valued and heard. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture of diversity and inclusion where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves. At Trustmark, we have a commitment to welcoming people, no matter their background, identity or experience, to a workplace where they feel safe being their whole, authentic selves. A workplace made up of diverse, empowered individuals that allows ideas to thrive and enables us to bring the best to our colleagues, clients and communities.
**About the role**
Trustmark is looking for a Case Underwriter to join the organization.
Responsible for providing timely and accurate underwriting offers, while adhering to pricing and profit objectives. Develops partnership with Sales to maximize ability to sell new/maintain existing business. Stays current with our Administrative, Enrollment, Broker, and Enrollment Company capabilities and processes.
**Key Accountabilities**
+ Processes, reviews, analyzes and makes informed underwriting decisions for assigned territory. All cases are reviewed with manager or higher level underwriter until proficiency is achieved. At full proficiency, underwriting authority is a maximum of 5,000 life case or $500,000 of annualized premium.
+ Reviews enrollment and participation trends in assigned territory and makes recommendations to optimize opportunity for sales while minimizing risk.
+ Provides monthly updates on sold case successes and failures as it relates to access and participation for Guarantee Issue cases.
+ Continually asks questions to grow and better understand our products and procedures. Develops and grows relationship with Implementation Managers to gain their confidence in decisions.
+ Understands non-standard broker arrangements and enrollment company strengths and weaknesses.
+ Identifies elements of a successful enrollment and makes recommendations that will create value.
+ Works with reinsurer on cases that require facultative review.
**Minimum Requirements**
+ Bachelor's Degree and/or 2 - 4 years of related experience OR High School Diploma or GED with 4-6 years of related experience.
The compensation range for this role is (based on the corporate location in Lake Forest, Illinois):
$61,412.00 - $88,706.00 per year
The final salary offer will be determined based on factors such as location, qualifications, experience, skill set, and other relevant factors. This position may also be eligible for bonus. We understand that compensation is an important factor when considering a new opportunity, and we strive to provide a competitive salary within the market.
Brand: Trustmark
In addition to compensation, we offer a comprehensive benefits package that includes: Health/dental/vision, life insurance, FSA and HSA, 401(k) plan, Employee Assistant Program, Back-up Care for Children, Adults and Elders and many health and wellness initiatives. We also offer a Wellness program that enables employees to participate in health initiatives to reduce their insurance premiums. For questions about compensation and benefits, please speak to the Recruiter if you decide to apply and are selected for an interview.
Trustmark is committed to leveraging the talent of a diverse workforce to create great opportunities for our people and our business. We are an equal opportunity employer, including disability and protected veteran status.
Join a passionate and purpose-driven team of colleagues who contribute to Trustmark's mission of helping people increase wellbeing through better health and greater financial security. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves.
Introduce yourself to our recruiters and we'll get in touch if there's a role that seems like a good match.
When you join Trustmark, you become part of an organization that makes a positive difference in people's lives. You will play a vital role in delivering on our mission of helping people increase wellbeing through better health and greater financial security. Our customers tell us they simply appreciate the personal attention and knowledgeable service. Others tell us we've changed their lives.
At Trustmark, you'll be part of a close-knit team. You'll enjoy abundant opportunities to grow your career. That's why so many of our associates stay at Trustmark and thrive. Trustmark benefits from more than 100 years of experience but pairs that rich history with a palpable sense of optimism, growth and excitement for what's ahead - and beyond. This is a place where associates bring their whole selves to work each day. A place where you can be yourself. Whatever your beyond is, you can achieve it at Trustmark.
Senior Underwriter
Underwriter job in Juneau, AK
When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:
+ Award-winning culture
+ Inclusion and diversity as a priority
+ Performance Based Incentive Plans
+ Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
+ Generous PTO (including paid time to volunteer!)
+ Up to 9.5% 401(k) employer contribution
+ Mental health support
+ Career advancement opportunities
+ Student loan repayment options
+ Tuition reimbursement
+ Flexible work environments
**_*All the benefits listed above are subject to the terms of their individual Plans_** **.**
And that's just the beginning...
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. Help us help others, and join Team Unum today!
**General Summary:**
The Senior Underwriter will demonstrate strong risk evaluation, selection and retention of profitable business within assigned authority limits. This also requires a strong ability to partner with Company sales teams, brokers and all internal partners.
**Principal Duties and 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
+ Maintain a fully developed knowledge of the Company's products, the sales, implementation, and enrollment processes, and market place influences
+ Deliver dependable, accurate, and timely service while maintaining relationships with internal and external partners
+ Assist with training, technical development and mentoring more junior underwriters
**Job Specifications**
+ Bachelors degree or equivalent, relevant business experience
+ Demonstrated, consistent proficiency at Underwriter level
+ Fully developed knowledge of product provisions, plan designs, pricing and contractual benefits
+ Strong technical expertise in risk selection
+ Demonstrated understanding of top-line and bottom-line objectives
+ Exhibit strong knowledge of sales/distribution process and market trends
+ Solid mentoring and coaching skills
+ Strong creative problem solving skills
+ Strong critical thinking/analytical reasoning skills
+ Strong communication skills, both verbal and written
+ Strong organizational skills and ability to handle multiple priorities
+ Strong ability to be persuasive and to negotiate
+ Demonstrated ability to work both independently and in a team environment
+ Exhibit a strong commitment to quality and personal ownership of results
\#LI-JQ1
~IN1
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.
Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.
The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience.
$53,300.00-$100,700.00
Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.
Company:
Unum