Senior Underwriter

The nation's leading administrator of long-term care insurance services is looking for YOU. This is your opportunity to join a company with a culture that promotes respect for people, integrity, learning and initiative. WE ARE THE KIND OF EMPLOYER YOU DESERVE. illumifin is a leading provider of business process outsourcing for the insurance industry, managing over 1.3 million long-term care policies for the nation's largest insurers. We also provide clients with unique risk management insight built upon our proprietary long-term care databases. The Senior Underwriter will examine, review, evaluate, classify and rate customer documents in order to determine compliance with company guidelines, underwriting criteria, philosophy, policy and procedures. Ensures timeliness, accuracy and productivity levels established by management. Provides leadership to lower level underwriters in their file review and underwriting in accordance with established protocols and underwriting criteria. SENIOR UNDERWRITER RESPONSIBILITIES: Working under minimal supervision with a great deal of autonomy review application and supporting documentation to ensure accuracy and completeness. Using established protocols, underwriting guidelines and procedures, analyzes risk, ensuring decisions are consistent with client and corporate guidelines and programs. Approves, declines or rates the application within the established criteria, while utilizing clinical judgment. Demonstrates knowledge to underwrite multiple clients accurately within the protocols specified for each client. Quickly but carefully read, analyze and interpret medication lists, medical records, phone and in-person assessments, cognitive test scores, MIB and Prescription profile results (where applicable) and properly document findings. Assess risk of Long-Term Care using lifestyle, medical and cognitive information while processing a minimum of 50 cases weekly. Demonstrates effective communication and customer service skills both internally and externally, that includes use of the notepad and log, appropriate wording of decline letters, professional verbal communication with coworkers, applicants and clients. Prepares responses to special needs letters to applicants and clients. Assists with the daily processing for lower level underwriting staff, including mentoring, team conference and individual instruction utilizing the protocols and procedures established. SENIOR UNDERWRITER QUALIFICATIONS : BA, BS, RN or equivalent insurance industry experience Minimum of 3 years LTC/Life, underwriting experience including working with agents Strong command of Medical Terminology Proficient PC skills Typing speed of 50 WPM or better Time management skills Good analytical abilities Ability to work independently as well as in a team Strong communication skills Senior Underwriter Preferred Qualifications Long Term Care Professional designation or other Long-Term Care Insurance related designation FLMI, ALU or CLU highly desirable Experience with MIB and Prescription databases The annual compensation range starts at $70,000 but can increase depending on experience and qualifications.