Associate Insurance Underwriter

Description Review, assess, analyze, and evaluate detailed medical and non-medical risks, determine mortality ratings and make substantiated logical final decisions. Appropriate medical underwriting assessment and decisions for each risk according to the limits of the plan and underwriting philosophy meeting business guidelines and service standards. Decide and interpret MIB finds and determine required MIB coding subsequent to the final decision. Communicate / negotiate with reinsurers for final decisions and applicable ratings. Provide support to the claims department and handling claim referrals. Communicate underwriting decisions and detailed explanations of adverse handlings promptly and accurately to clients and, where required, to attending physicians. Ensure applications are underwritten and processed according to TD’s underwriting guidelines as well as the terms of the third party agreements. Develop and maintain excellent working relationships with other TD Insurance departments, bank departments and reinsurers. Monitor and maintain service and production standards set for the department assisting own team members in meeting these departmental standards / goals. Participate in continuing education and self-development courses to remain current in medical advancements and trends. Job Requirements Specific Education Minimum of 2+ years insurance underwriting and / or a degree / diploma in Health Sciences or other medical background. Working toward license desired AALU ALMI designations, Industry related courses and / or accreditations (LOMA / ALU), or willing to begin working toward these license designations. Other Qualifications, Skills and Experience Familiarity with underwriting function and eagerness to quickly build sound understanding of functions and company's various business operations. Participate in continuing education and self-development courses to remain current in medical advancements and trends. Superior verbal and written communication skills. Outstanding Customer Skills. Strong organizational, analytical and time management skills. Excellent computer skills. Demonstrated ability to work independently and in a team environment. #LI-TDI and #IN-TDI Who We Are TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches / stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, the customers we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Additional Information We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home. Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements. Colleague Development If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals. Training & Onboarding We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. Interview Process We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process. We look forward to hearing from you Language Requirement (Quebec only) Sans Objet #J-18808-Ljbffr