FullscopeRMS helps health plans and insurance carriers grow their businesses with our turn-key solutions for group life & disability, absence management, supplement health and medical stop-loss products.

We are a subsidiary of Sun Life, a leading provider of group insurance benefits in the U.S.. FullscopeRMS also provides group life and disability plans to our clients through the third-party administrator Disability Reinsurance Management Services, Inc., often referred to as DRMS.

Job Description:

The Underwriting Consultant III reports into FullscopeRMS Underwriting Management and is responsible for the evaluation and selection of risk as well as the establishment of premium levels that ensure the profitable acquisition of new cases and the continued profitable retention of inforce cases within the assigned case size levels. This position may assist in training, technical development and mentoring of an Underwriter.

What you will do:

Risk Management: Support the development of an organization focused on high quality risk assessment. This requires the incumbent to:

• Make appropriate risk, premium and business decisions and exceptions on all cases within assigned limits
• Analyze and identify early and ongoing risk trends for assigned clients and make appropriate recommendations for addressing these
• Develop personal credibility with clients and peers

Teamwork: Support the achievement of FullscopeRMS as well as client goals. This requires the incumbent to:

• Utilize technical expertise in risk selection
• Develop selection and retention of client customers through accurate risk assessment and appropriate premium levels that meet profit, persistency and sales objectives
• Focus on the client’s case level sales
• Demonstrate decisiveness, creativity and superiority in risk selection so that the most competitive, equitable and appropriate decision is make for each client’s case
• Independently make financial decisions of up to $250,000 within defined guidelines
• Deliver dependable, accurate, timely service and build strong relationships with all clients

What you will need to succeed:

• Knowledge of disability products including disability, life and supplemental health products
• Demonstrated knowledge of industry and marketplace trends within the local marketplace for assigned clients
• Creative problem solving/analytical reasoning skills
• Strong math aptitude
• Excellent communication skills, both written and verbal
• Demonstrated ability to be persuasive and to negotiate
• Ability to work independently and address problems through own initiative and creativity
• Well organized and able to handle multiple priorities
• Strong computer skills, proficient in a PC environment and MS Word, Excel, and email systems
• Ability to work professionally and effectively with co-workers, clients, claimants, vendors and others with whom FullscopeRMS does business

Required Experience & Education:

• 1 to 3 years of group insurance underwriting experience required
• High school diploma or equivalent required. College degree preferred

What is in it for you?

• Excellent benefits and wellness programs to support the three pillars of your well-being – mental, physical and financial – including generous vacation and sick time, market-leading paid family, parental and adoption leave, a partially-paid sabbatical program, medical plans, company paid life and AD&D insurance as well as disability programs and more
• Retirement and Stock Purchase programs to help build and enhance your future financial security including a 401(k) plan with an employer-paid match as well as an employer-funded retirement account
• A flexible work environment with a friendly, caring, collaborative and inclusive culture
• Great Place to Work® Certified in Canada and the U.S.
• Named as a “Top 10” employer by the Boston Globe's “Top Places to Work” two years running

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

If you are a Colorado resident, the salary range for this position is $57,000-85,600 annually.

If you are a New York City resident, the salary range for this position is $63,000-94,500 annually.

We consider various factors in determining actual pay including your skills, qualifications, and experience. In addition to salary, this position is eligible for incentive awards based on individual and business performance as well as a broad range of competitive benefits.

Sun Life Financial is a leading provider of group insurance benefits in the U.S., helping people protect what they love about their lives. More than just a name, Sun Life symbolizes our brand promise of making life brighter -for our customers, partners, and communities. Join our talented, diverse workforce and launch a rewarding career. Visit us at www.sunlife.com/us to learn more.

At Sun Life we strive to create a flexible work environment where our employees are empowered to do their best work. Several flexible work options are available and can be discussed throughout the selection process depending on the role requirements and individual needs.

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