Note: The job is a remote job and is open to candidates in USA. Guardian Life is a leading provider in the financial protection and retirement solutions sector. They are seeking an Underwriting Consultant to serve as a senior technical expert, adjudicating complex life underwriting cases and guiding the adoption of modern underwriting technologies.

Responsibilities

• Serve as one of the top technical underwriter on the team, adjudicating the most complex and high-value cases, reviewing appeals, reference, reinsurance submissions, ensuring decisions align with underwriting guidelines, mortality, morbidity, and product expectations
• Provide expert judgment and guidance on escalated cases, troubleshooting complex issues for all levels of staff and management
• Apply deep reinsurance expertise to ensure appropriate use of automatic and facultative reinsurance, evaluate treaty requirements, and partner with reinsurance underwriters as needed
• Serve as a trusted underwriting partner to Distribution and Field leadership, delivering clear guidance, responsive support, and consultative expertise to drive case placement, strengthen relationships, and ensure a seamless experience for producers and customers
• Maintain deep knowledge of underwriting guidelines, risk assessment methodologies, and regulatory requirements, ensuring compliance and consistency
• Champion the adoption and effective use of modern underwriting tools and platforms, ensuring integration into daily workflows
• Troubleshoot complex underwriting issues across the underwriting team, applying innovative solutions
• Mentor, train, and guide underwriters in advanced case handling and digital tool utilization
• Monitor industry trends and share insights to inform prudent business decisions

Skills

• Specialized depth and breadth of expertise in individual life underwriting, including authority on complex and high dollar cases
• Proven ability to adopt and champion technology-enabled solutions, leveraging automated underwriting platforms and data-driven tools
• Demonstrated experience working within reinsurance frameworks, including interpreting treaty language, understanding retention limits, applying automatic and facultative reinsurance rules, and collaborating with reinsurance partners
• Familiarity with emerging technologies (Electronic Health Record (EHR), GenAI, wearable technology) and behavioral economics concepts
• Familiarity with quality control programs (e.g., Random Holdouts (RHO), Post-Issue Audits (PIA)) and applying analytics for continuous improvement
• Strong problem-solving and decision-making skills, able to adapt precedent and develop innovative approaches
• Excellent communication and collaboration skills, capable of influencing peers and supporting leadership

Benefits

• This role may also be eligible for annual, sales, or other incentive compensation
• Support and flexibility to achieve your professional and personal goals
• Skill-building, leadership development and philanthropic opportunities
• Opportunities to build communities and grow your career
• Contemporary, supportive, flexible, and inclusive benefits and resources
• Benefits apply to full-time eligible employees
• Reasonable accommodation for individuals with disabilities in employment
• Reasonable accommodations to qualified job applicants (and employees) to accommodate the individual's known limitations related to pregnancy, childbirth, or related medical conditions

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