• Conduct thorough reviews of complex life insurance applications, including medical, financial, occupational and other risk factors.
• Apply company underwriting guidelines to reach sound of science underwriting decisions within delegated authority.
• Collaborate with the Underwriting Manager and Actuarial team to refine and update underwriting manuals, rating grids, and exception protocols.
• Lead monthly underwriting workshops on complex case studies, new product features, and best practices.
• Prepare detailed underwriting analytics reports for senior management and suggest process-efficiency initiatives.
• Cross functional collaboration to resolve escalated cases and drive customer-centric solutions.
• Engage panel clinics and medical exam providers to optimize turnaround and data quality.
• Identify emerging risk trends (e.g., new medical treatments, public health data) and recommend guideline adjustments.
• Perform periodic file audits to ensure adherence to internal controls, regulatory requirements, and quality standards. 

• Bachelor’s degree in medical science, Insurance & Risk Management, or related field; (Medical doctor, Nurse, Midwife) is preferred.
• Minimum 3 years of life insurance underwriting experience (with at least 2 years in a senior capacity) is a plus.
• Strong familiarity with medical and financial underwriting criteria, risk assessment, and industry best practices.
• Proven track record of sound decision-making in complex or high-value cases.
• Hands-on experience developing underwriting guidelines and training programs.
• Analytical skills, with the ability to interpret data and present actionable insights.
• Professional certifications (e.g., FLMI, ALU) are a plus.

COMPETENCIES:

• Technical Expertise: In-depth knowledge of medical and financial risk factors impacting life insurance.
• Judgment & Integrity: Demonstrates consistent, ethical decision-making under pressure.
• Communication: Clear, concise report writing and presentation skills; effective cross-department collaboration.
• Process Improvement: Proactive in identifying inefficiencies and implementing solutions.