Underwriter

• Act as the primary contact of the conditions submission and clearing process / review, and as the liaison and coordinator between the TPO client and Underwriting.
• Proactively managing all condition related follow-up to ensure they are collected from the TPO client and submitted to underwriting.
• Communicate effectively with TPO clients and team members to resolve issues or address questions related to loan documentation / conditions.
• Provide underwriting guidelines and condition subject matter expertise to the TPO client.
• Meet service level agreements (SLAs) for collection and submission of loan conditions.
• Manage file organization, upload documents to systems, and maintain accurate records.

Underwriting Liaison

• Review submissions, obtain pertinent underwriting information to enable or assist the underwriter to accurately identify and assess exposures and risk hazards
• Perform and/or coordinate completion of transactional underwriting duties with timeliness and accuracy including: preparation of proposals and binders; account invoicing; policy and endorsement issuance and processing of reinsurance transactions
• Complete other underwriting account support tasks with minimal supervision as per company guidelines
• Adhere to all service standards and respond with urgency to all internal and external customer requests
• In partnership with the underwriter, provide complete and detailed documentation of the underwriting file for all discussions and decisions
• Handle complex accounts and lead as a technical subject matter expert
• Work with IT to represent the needs of the user group including user acceptance testing
• May be responsible for onboarding/training/mentoring of new or less experienced UAs
• Willingness to lead, take charge and offer opinions and direction

Senior Underwriting Assistant

• Determines acceptability of medically underwritten risks for complex cases
• Calculates appropriate group/individual premium rates for new business and renewal
• Proposes new business rates for complex cases ensuring rating compliance
• Calculates renewal rates for complex cases utilizing a thorough analysis of medical experience
• Evaluates medical information to assign appropriate underwriting decision
• Monitors rating compliance reporting with actuaries for assigned business
• Analyzes and responds to written and verbal underwriting inquiries
• Participates in and may lead special underwriting projects
• Interacts frequently with brokers, sales, administration and actuarial areas

Clinical Medical Review – Oncology

• review and assess the medical and financial risk for routine to highly complex cases across all face amounts
• communicate underwriting decisions to the producer or FMO and work with internal distribution to communicate the offer when necessary
• provide technical support to the underwriting team and Underwriting Director
• provide informal leadership to the underwriting team through education, workload management, and process improvement
• travel and deliver presentations, representing Allianz Life at industry events and to distribution partners
• communicate underwriting decisions with field distribution, agents, and FMOs
• correspond effectively with internal and external customers regarding the status of cases
• act as a team lead, mentor and coach to other underwriters and Enterprise Operations employees
• recommend improvements to the internal Underwriting guidelines, operational procedures, and standards

Life Large Case Underwriting Consultant – Principal

• Coordinates the preparation of loan/lease packages in compliance with policies and procedures, regulatory guidelines and investor standards by gathering and reviewing necessary documents and information within designated time frames.
• Communicates with staff, customers/clients, realtors, brokers, counsel, title companies, etc. to respond to inquiries, resolve problems and obtain additional documents needed to complete the file.
• Ensures compliance with internal policies, regulatory and investor requirements and customer service standards.
• May coordinate the closing and funding of assigned loan packages; calculating final closing costs and disbursing funds.

Wealth Management Commercial Underwriting

• Manage 3 UW teams and develop their skill sets in line with our underwriting philosophy and guidelines
• Maintain relationships and stay on the cutting edge of new third party data offerings. Identify, pilot, and engage new tools to improve underwriting
• Communicate with our insurance partners in concert with Ladder’s business development director who leads the relationship management of our reinsurers and carriers
• Partner with actuary to present mortality slippage each month to Ladder’s mortality team
• Serve as a subject matter expert to engineering and product teams as we build new insurance offerings

Director, Underwriting

Wealth Management Commercial Post Underwriting

• Bring your expertise as an underwriter to cross-functional Ladder work teams.
• Evaluate medical and personal history on life insurance applications up to $8 million face amount.
• Participate in the development of the Underwriting team members.
• Collaborate with the Underwriting Audit team to enhance Underwriting Guidelines and clearly communicate audit finding feedback to the Underwriting team.
• Work closely with the Customer Experience and Compliance teams to answer underwriting related questions and share underwriting knowledge.
• Be comfortable both underwriting and applying your knowledge to systems and processes.
• Report to the Head of Underwriting.

Underwriting Manager

Wealth Management Underwriting

• Become proficient managing multi-state, multi-line accounts throughout the lifecycle which could include rating/pricing, quoting and issuing policies as well as handling related account activity.
• Contribute to a positive workplace culture by building and maintaining strong working relationships with business partners and agents.
• Gain a rich understanding of business processes by leveraging standardized workflows and state compliance guidelines.
• Synthesize multiple sources of information to make sound decisions.
• Exercise critical thinking and decision-making skills to become a trusted advisor solidifying customer confidence.
• Make a difference to our customers by executing on service level commitments and delivering quality products in a timely manner.
• Perform other duties as assigned.

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