Senior Disability Underwriter

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, and underwriting action to peers and field force Collaborate with peer underwriting staff, support personnel, and adjacent departments to facilitate the entire selection, issue, and administrative process Negotiate underwriting appeals with minimal management involvement when collaborating with general agents, agents, and agency personnel Review, interpret and record Medical Information Bureau codes in accordance with established MIB guidelines Communicate actions with our proposed policyholders Participate in on-going training and development offerings to enhance customer service and underwriting, in support of a high-performance culture You have Bachelor’s degree and industry related education (i.e., LOMA, ALU, CLU) desired Individual Disability Underwriting experience desired Knowledge of individual disability insurance products/processes Working medical knowledge (i.e., Medical Terminology, Anatomy and Physiology, and Medical Conditions) Working financial knowledge (i.e., Personal and Business Tax Returns, Profit & Loss Statements General computer proficiency required Excellent analytical skills; written and oral communication skills and negotiation skills Exceptional decision-making skills and organizational and time management skills Salary Range: $68,970.00 - $113,310.00 The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation. 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. Explore our company benefits at www.guardianlife.com/careers/corporate/benefits . Benefits apply to full-time eligible employees. Interns are not eligible for most Company benefits. 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. Guardian also provides reasonable accommodations to qualified job applicants (and employees) to accommodate the individual's known limitations related to pregnancy, childbirth, or related medical conditions, unless doing so would create an undue hardship. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact [email protected] . Please note: this resource is for accommodation requests only. For all other inquires related to your application and careers at Guardian, refer to the Guardian Careers site. 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. Notice Regarding Guardian’s Use of Artificial Intelligence in Recruitment As part of Guardian’s job application process, Guardian may use artificial intelligence tools (“AI Tools") to automate the sorting and filtering of information provided by applicants as part of its preliminary screening. This preliminary screening may be used to help identify applicant materials and resumes relative to their indication that the applicant meets the requirements for the specific job for which they are applying, as specified in the listing posted on Guardian’s jobs website (Careers at Guardian at https://www.guardianlife.com/careers ). At Guardian, we do not use AI Tools to substantially assist or replace human judgment or discretionary decision making in our hiring process. All hiring decisions will be made by Guardian colleagues. Please be aware that if you apply for a specific position with Guardian, you will have the choice of opting out of Guardian’s use of AI Tools during the job application process. If you would like to request an alternative process that does not utilize AI Tools or would like to request a reasonable accommodation, within ten business days of your position application, you must email your request to [email protected] , making sure to provide your name and job requisition identification number. Guardian will retain your applicant materials and resume and all information therefrom in accordance with Guardian’s document retention policy, a copy of which you may request via [email protected] . Additionally, at applicable times, Guardian will make public the most recent bias audit results for such AI tools, which may be found here . Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday.