The Senior Specialist, Underwriting is responsible for assessing complex medical and financial cases, ensuring decisions align with company risk philosophy and regulatory standards. The role provides technical guidance to junior underwriters, supports AML checks, and contributes to process improvements. It also involves close collaboration with internal stakeholders and participation in cross-functional initiatives to enhance underwriting efficiency and consistency.

Position Responsibilites

Underwriting & Case Management

• Oversee all aspects of the underwriting process, ensuring alignment with company philosophy, standards, and risk appetite.
• Review and underwrite complex medical and financial cases within and beyond approval authority, with escalation to higher authority when required.
• Provide expert consultation and co-signature support for junior underwriters on complex or unusual cases.
• Ensure consistent and competitive underwriting decisions without compromising mortality assumptions or company policies.
• Conduct AML checks and liaise with AML officers for flagged cases.

Team Supervision & Development

• Supervise and mentor Underwriter Trainees and Levels 1–3, providing guidance, feedback, and co-signature support.
• Deliver technical training to underwriters and distributors on underwriting principles, processes, and product knowledge.
• Lead monthly case discussions to identify process improvements and share best practices.

Operational Excellence

• Monitor and manage pending cases, ensuring timely reassessment and communication with agents.
• Respond to walk-in, email, and phone inquiries with professionalism and customer-centricity.
• Ensure accurate handling of returned checks and policy updates.

Stakeholder Engagement

• Build and maintain effective relationships with internal departments, agents, and external partners.
• Contribute to company initiatives by providing underwriting expertise and delivering presentations.
• Participate in seminars, industry events, and regulatory discussions to represent the underwriting function.

Project & Process Improvement

• Act as a subject matter expert in cross-functional projects, contributing to design, implementation, and delivery.
• Identify workflow and system issues, proposing and implementing solutions to enhance efficiency and accuracy.
• Ensure appeals and business decisions are appropriately routed and resolved.

Required Qualifications

Education & Certification

• Bachelor’s degree in Medical Science, Nursing, or equivalent.
• Certifications in LOMA, ALU are advantageous.

Experience

• 3-5 years of underwriting experience with proven leadership in supervising teams.
• Demonstrated success in achieving high agreement ratings in case reviews.

Skills & Abilities

• Strong analytical, decision-making, and problem-solving skills.
• Excellent communication, negotiation, and interpersonal skills.
• Proficient in English (verbal and written) and computer applications (Word, Excel, PowerPoint).
• Deep understanding of insurance products, underwriting principles, reinsurance, and medical terminology.
• Ability to manage time and resources effectively under pressure.