Senior Underwriting Consultant (Charlotte, NC (Hybrid) or Remote)

Where you’ll work :

Below covers everything you need to know about what this opportunity entails, as well as what is expected from applicants.

Our flexible, hybrid work model offers the option to work remotely or in the office.

How you’ll contribute :

As a Senior Underwriting Consultant, you’ll be responsible for reviewing cases to identify insurable risks, managing internal and external relationships with partners and working within a complex electronic environment.

Candidate should embrace a team-based environment and collaborating with other leaders to help Brighthouse Financial successfully grow market share and provide outstanding service to our customers.

In this role, you’ll get to :

• Underwrites and accepts / rejects individual mortality and morbidity risks in accordance to Brighthouse underwriting guidelines.
• Identifies trends and issues and offers the best underwriting solutions.
• Interacts with customers to simplify the acquisition process while protecting mortality results.
• Mentors less experienced underwriting professionals and may provide second signature review.
• May assist in delivering or developing training materials for use in LNB&UW.
• Builds partnerships with internal and external business areas critical to the success of the LNB&UW group.
• Demonstrates strong knowledge of accelerated underwriting principles.
• Understands rules engine parameters, triage and the e-app environment.
• May assist in post-issue development of in force policies and recommend various actions if fraud is developed.
• Plans, evaluates, and improves the efficiency of business processes and procedures to enhance speed, quality, efficiency, and output of the organization.
• Makes business decisions that are financially responsible, accountable, justifiable, and defensible in accordance with departmental policies and procedures.
• Works collaboratively with new business vendors to ensure time service, quality and adherence to business operating guidelines.
• May assist in various projects within LNB&UW as delegated by their leader.
• Other duties as assigned.

We’re looking for people who have :

• Working knowledge of insurance principles including mortality, morbidity, insurable interest and actuarial theory.
• 10+ years of individual mortality insurance underwriting or equivalent experience.
• Life underwriting signature limit of $5M or greater.
• Some morbidity underwriting experience preferred.
• Undergraduate degree preferred or equivalent work experience.
• AALU required, FALU preferred.
• FLMI required or willingness to obtain.
• Excellent written and oral communication skills to communicate clearly and concisely by telephone and email.
• Strong listening skills to ensure understanding of associate and customer questions and concerns.
• Ability to foster and develop successful professional relationships to elicit the trust and confidence of our customers and business partners.
• Works with a sense of accountability and ownership; results driven.
• Open to direction and Collaborative work style.
• Solid knowledge of insurance products, services, operations, and business systems.

Competencies : Focuses on Customers, Use of Sound Business Judgment, Decision-making Ability, Communicates Effectively, Produces Results.

Supervisory Responsibilities : Prior experience mentoring or training junior underwriters preferred.

Easily adaptable to changes in business processes, work priorities and work environment. Comfortable with new technology and operating within multiple systems / work environments.

Proficiency in Microsoft Office.

What you’ll receive :

Compensation Base salary ranging from $105,000 - $135,000 plus competitive performance-based incentives determined by company and individual results.

Flexible Work Environment Work remotely or in the office to better thrive in all areas of life.

Paid Time Off Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.

Financial Health Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.

Health and Wellness Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.

Family Support Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.

Life and Disability Support Gain access to company-paid basic life insurance and short-term disability insurance.

The company and your department may occasionally gather in person throughout the year to foster a culture of belonging and promote team building.

Why join us?

Brighthouse Financial is on a mission to help people achieve financial security. Our company is one of the largest providers of annuities and life insurance in the U.

S., and we specialize in products designed to help people protect what they’ve earned and ensure it lasts.

We empower employees to collaborate, bring their passion to work, and make an impact. Our inclusive work environment fosters a culture that celebrates diverse backgrounds and experiences.

You can find out more about our company culture by visiting brighthousefinancial.com / about-us / careers / .

We’re proud to be one of the largest providers of annuities and life insurance in the U.S. and recognized as one of the Healthiest Employers of Greater Charlotte by the Charlotte Business Journal.

We’re also honored to be named to Newsweek’s list of Most Trustworthy Companies in America.

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Remote working / work at home options are available for this role.