Group Underwriter

**Group Underwriter**:
**Location: Hybrid - Ontario**

Empire life is looking to hire a Group Underwriter to join our Group Operations team The Group Underwriter reviews and assesses the risk for requests to quote (Fully insured & ASO), Amendments, and Renewals. The incumbent is guided by defined procedural practices and works under the supervision of the Manager, Group Underwriting (Complex).

**Why pursue this opportunity**
- **Impactful work** - get the opportunity to work on meaningful projects that have a positive impact on our customers, our company, and society as a whole.-
**Play an integral role**:

- this is an opportunity that allows for you to grow your skills, while directly contributing to the business unit you are a part of.- **What you’ll be working on**- Ensure that both non complex & complex requests to quote, amendments, and renewals are processed accurately and within established turnaround time to support business sales and profitability goals-
- Lead quoting, amending and renewal activity in both the non complex and complex space with a focus on establishing and growing long term partnerships-
- Use experience and judgment, in conjunction with Underwriting guidelines, product and service knowledge to determine optimal solutions to meet customer needs and requirementsDevelop and present a business case to support pricing decisions; and make decisions on final pricing within defined parameters-
- Provide consistent interpretation of group insurance policy terms to customers and distribution partners in support of divisional goals-
- Work collaboratively with other team members to support processing requirements-
- Uses experience and judgment, in conjunction with Underwriting guidelines, product and services knowledge, and knowledge of government regulations, to determine optimal solutions to meet customer needs and requirements-
- Acts as a primary point of contact with internal and external stakeholders to engage in consultative discussions to support the development of new business-
- Consult with Underwriter colleagues or the Manager, Group Underwriting (Complex) on risk-related escalations-
- Process risk reviews of Mergers, Breakaways, Open Enrolments, MofAs, addition or removal of a division-
- Interacts with reinsurance providers to spread risks on retention amounts that exceed the Empire Life retention limit-
- Proactively engages with both internal and external stakeholders to engage in discussions to support with both client acquisition and retention-
- Acts as a key contact with distribution partners and internal stakeholders; escalates issues to management as required-
- Practices consultative Underwriting that engages in proactive collaboration with internal and external distribution partners to develop creative solutions within defined parameters to support and achieve business objective**What we’re looking for you to have**:
- 3+ years of work experience in the group insurance/financial services industry with group underwriting experience and knowledge-
- Proven knowledge of group benefits products, contractual provisions, risk assessment, and pricing methodologies-
- Strong critical thinking, financial analysis and interpretation; trend analysis skills and ability to communicate data outcomes appropriately into business terms-
- Strong proficiency in Excel-
- Strong communication and influential skills-
- Ability to work independently and as a team member while being flexible and adaptable-
- Ability to think logically, analyze, and solve problems-
- Ability to organize/schedule both people and information-
- Creative problem solver / data-based root cause solution bias-
- Proficient in Microsoft Office Suite and able to navigate a CRM platform-
- GBA or CEBS Designation or interest in pursuing-
- Completion of a university degree or college diploma in a relevant field- **Beyond the salary**:

- For regular full-time positions, Empire Life offers a comprehensive total rewards package that includes:
- Competitive salaries with annual pay increases-
- Annual bonus program, which recognizes both strong company performance and individual contributions, for non sales positions-
- Competitive uncapped commission, for sales positions-
- A comprehensive employer-funded benefits package that includes life insurance, disability, health and dental and a generous health account-
- Flexible work arrangements and an annual allotment of personal health days.-
- Four weeks annual vacation from hire date-
- A defined contribution pension plan with generous employer matching-
- Top up programs for parental leave and compassionate leave-
- Employer-sponsored wellness and recognition programs- A cash employee referral program

**Get to know us**: