Underwriter

• Lead and support a high-performing team responsible for underwriting and selling profitable Stop Loss business.
• Partner with Actuarial, Underwriting and Advanced Analytics leadership to design and execute strategies aligned with business goals.
• Build strong relationships with Sales and Distribution teams to support strategic growth and retention efforts.
• Hire, develop, and retain top underwriting talent; foster a culture of learning, performance, and accountability.
• Support in departmental and team projects.
• Serve as a technical expert and advisor on complex underwriting cases.
• Drive consistency and compliance in underwriting practices and procedures.
• Support broker meetings and client engagements to help deliver Sun Life’s value proposition.
• Continuously evaluate and improve underwriting approaches through training, quality reviews, and feedback loops.
• Champion a high-performance culture through clear goals, accountability, and recognition.

Associate Director, Underwriting

• Maintain and enhance sales support mechanisms for prospective clients
• Calculate risk of pricing metrics and value derived from the relationship with the client
• Review, pro-actively identify, and support implementation of opportunities for rebate, pricing, and discount performance improvement via analysis
• Research external and internal pricing trends and forecasts to contribute to overall pricing strategy
• Maintain databases to support business decisions and inform responses to client or prospective client requests
• Track and report client performance impacts of relevant programs. (e.g. Savings Connect)
• Monitoring of forecasted results as they compare to actuals
• Identify opportunities for client savings or program enhancements
• Perform analyses as requested by internal and external business owners, or in support of identified business objectives
• Develop an understanding of contractual terms and performance to assist in development of program strategies, pricing decisions, and contract language
• Perform quality assurance to ensure accuracy of pricing and processes
• Other duties as assigned

Analyst, Pricing and Underwriting

• Calculates proposed rates for large complex prospective cases based on thorough analysis of other carrier experience, location, demographics, etc.
• Coordinates with other departments to ensure accuracy and consistency of overall account reporting.
• Performs post-sale reviews.
• Prepares or supervises preparation of annual settlements, ERISA reports, rate projections, or benefit change increments and decrements.
• Surveys existing product portfolios by market, monitors sales results, trends and needs, recommends product portfolio changes.
• Assists in establishing rating and administrative procedures.
• Participates in major multi-functional teams as underwriting representative.
• Assists in the technical development of underwriting associates.

Senior Group Underwriting Consultant

• Responsible for taking deals through the acquisitions and investor placement process from proposal letter through due diligence to closing
• Review and analyze prospective deal opportunities with Originators
• Work with Originators and Senior Management to establish pricing, structure deal terms, determine investor interest and to prepare and execute proposal letter
• Oversee preparation of screening and investment committee packages
• Oversee deal due diligence process
• Serves as contact for general partners/developers on individual deals to ensure timely, efficient, and thorough processing of due diligence
• Evaluate the effect of underwriting decisions on investors and developers
• Identify and evaluate solutions to potential deal issues
• Participate in client negotiation to achieve successful resolution of issues
• Act as a role model and mentor for more junior employees

Director, Equity Underwriting

• Review and analyze prospective deal opportunities with Originators
• Work with Originators and Senior Management to establish pricing and structure deal terms
• Take ownership of your work, deals and relationships
• Oversee preparation of screening and investment committee packages
• Oversee deal due diligence process
• Serve as contact for general partners/developers on individual deals
• Evaluate the effect of underwriting decisions on investors and developers
• Identify and evaluate solutions to potential deal issues
• Participate in client negotiation
• Act as a role model and mentor for more junior employees
• Collect and disseminate market intelligence on tax credit investment industry
• Lead initiatives and accept change around new innovative processes
• Serve as primary contact for all third party activity

• Review and analyze prospective deal opportunities with Originators, including project feasibility, strength of general partner/developer and financial return opportunities
• Work with Originators and Senior Management to establish pricing, structure deal terms, determine investor interest and to prepare and execute proposal letter
• Take ownership of your work, deals and relationships
• Oversee preparation of screening and investment committee packages
• Oversee deal due diligence process, including financial analysis, market analysis, and review of other information and material required to evaluate project feasibility
• Serves as contact for general partners/developers on individual deals to ensure timely, efficient, and thorough processing of due diligence
• Evaluate the effect of underwriting decisions on investors and developers, as well as the impact to other Boston Financial departments through the full holding period of the investment
• Identify and evaluate solutions to potential deal issues
• Work with originators, capital and senior management to build a consensus around an optimal strategy to mitigate deal risk
• Participate in client negotiation to achieve successful resolution of issues, or if unsuccessful, to terminate deal
• Act as a role model and mentor for more junior employees, developing and training analysts as they assist you with deal modeling, screening and due diligence
• Collect and disseminate market intelligence on tax credit investment industry, including deal term and structure trends and state tax allocation activity
• Be willing to lead initiatives and accept change around new innovative processes, keeping form documents relevant, and achieving company goals
• Serve as primary contact for all third party activity, including legal, tax, engineering, consulting, asset management, and other services
• Use critical thinking to ensure scope of review is appropriate and consistent with investment committee guidelines based on characteristic of deal and coordinate all communications and transfers of information to maximize efficiency and to ensure the highest level of client service

• Evaluate risks in accordance with established underwriting guidelines
• Process cases using internal operating systems
• Validate underwriting decisions with internal and external partners
• Ensure adherence to published procedures and compliance standards
• Participate in ongoing professional development and continuing education
• Represent the company at industry events
• Collaborate effectively in a team environment
• Mentor and consult with junior underwriting staff

Underwriting Manager

• Manage the portfolio of a sales region to meet profit and growth objectives for Group LTD, Group Life, Group STD, and VWB.
• Partner with sales management to achieve profit and growth objectives as approved in the regional plan and Corporate Operating Plan.
• Develop a dynamic team of consultative underwriters proficient in providing customer focused delivery of Unum’s entire products portfolio.
• Responsible for development of a regional team focused on consultative underwriting and best in class risk assessment and management.
• Ensure integration of entire Unum portfolio in the sales and underwriting process.
• Make appropriate risk management decisions consistent with the regional plan and Corporate Operating Plan.
• Exhibit a superior understanding of market trends and conditions in assigned region developed by a close partnership with sales management.
• Develop profit and growth plan in coordination with sales management.
• Develop and manage inforce marketing programs in coordination with sales management that capitalize on opportunities within the assigned region.

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