Job Posting End Date: October 04When you join the team at Unum, you become part of an organization committed to helping you thrive.Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life’s moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:
Award-winning culture
Inclusion and diversity as a priority
Performance Based Incentive Plans
Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
Generous PTO (including paid time to volunteer!)
Up to 9.5% 401(k) employer contribution
Mental health support
Career advancement opportunities
Student loan repayment options
Tuition reimbursement
Flexible work environments
All the benefits listed above are subject to the terms of their individual Plans .And that’s just the beginning…With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you’re directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!General Summary:Job Profile Summary:This position reports into the Underwriting Manager or Director for the products they underwrite and is responsible for the evaluation and selection of risk (binding via contract) which ensure the profitable acquisition of new policyholders and the continued profitable retention of in-force cases within assigned authority levels. This position may also assist in the training, technical development and mentoring of Underwriters as well as assisting Management with the day-to-day direction for their work unit by assigning work priorities for Underwriters to ensure the unit and department reaches established service measures.Job DescriptionPrincipal Duties & Responsibilities
Make appropriate risk selection based on the facts presented
Fully document reasons and thought processes to support case decisions made
Assist in the analyzing and identifying early and ongoing risk trends
Develop personal credibility with sales force, key brokers, customers both external and internal customers and field management
Support Unum/Colonial Life’s commitment to privacy and safeguarding confidential information by accurately verifying applicant’s key individual identifiers
Assist in supporting the achievement of specific top-line, bottom-line growth
Provide technical support and mentoring for employees in the team and department
Develop selection and retention of customers through accurate risk assessment
Identify efficiency improvements to include new and better ways to handle Underwriting tasks through automation and training. Alternative focuses may include auditing, procedures, compliance and regulatory functions
Assist with onboarding and training of new hires and provide feedback and/or recommendations to team manager. Also, may provide documented information on skill/knowledge gaps for existing employees and develop and administer a follow-up action plan in conjunction with team manager.
May be asked to assist with policy level research issues and communicate resolution/findings/recommendations, as applicable
Prepare and conduct daily start up meetings when needed
Puts goals of department before team/individual achievements and recognition
Identify training needs through routine audits, daily review of work
Job SpecificationsIndustry and Product Knowledge
Understanding of benefits and features of all applicable Unum/CLA products
Understanding of when to use individual vs. group
Technology
Understanding of relevant enrollment platforms, their capabilities and limitations
Communication
Effective written and spoken
Developed negotiation and developing influencing skills
Financial Acumen and Risk Analysis
Considers financial concepts in decision making within their limit
Proficient at using UW tools with little guidance in analysis
Understands and proactively researches appropriate information to assist in decision- making
Awareness of key performance and sales metrics of assigned territories
Strategic Thinking
Evaluates opportunity in order to ask probing questions
Entrepreneurship
Willing to take appropriate risks
Provide superior customer experience and responsiveness to all
Mentoring
Informally teaches underwriters and field partners
Seeks out mentorship
Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience.$53,300.00-$100,700.00Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.Company:Colonial LifeUnum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.