Medical Underwriter

Career Family, Level & Title : General Management, Universal, Senior Professional/Team Leader Job Type : Permanent Location : Dublin, Hybrid Type : Permanent Who are we? We want to be the best place that any of our 6,800 colleagues have ever worked. We’re the UK’s largest long-term savings and retirement business. We offer our 12 million customers products across our market-leading brands, including Standard Life, SunLife and ReAssure, with c.£259 billion of assets under administration. We’re a FTSE 100 organisation that is tackling key issues such as transitioning our portfolio to net zero by 2050, and we’re not done yet. At Standard Life, part of Phoenix Group, we believe everyone should have a future to look forward to, and that means looking after our customers, our shareholders, and our people. We’ll help you grow and progress by acknowledging your talent, and rewarding you well. In return, you’ll give us your energy, enthusiasm and the drive to deliver results. That way, we all have a promising future. Standard Life succeeds because of our people – our skills, passions and experience. We are looking for individuals to help recruit, motivate, engage and develop our people, by bringing out their best and enabling them to drive our business forward. Purpose:  Within Standard Life Operations, the Underwriting team is responsible for all International, Irish and UK underwriting and related services. It's a small team of 3 people whose purpose is to deliver and continuously develop quality, cost effective life, critical illness and disability underwriting. This is a technical specialist role which will provide the successful candidate with good overall knowledge in respect of: Life, Critical Illness and Disability Underwriting.  We expect that the successful candidate will have strong experience in medical underwriting including substandard lives, and will be looking to build on that.   Key Responsibilities: 

• Well balanced, documented underwriting assessments/decisions provided within the service targets using a variety of information requested/gathered and interpreted from a number of sources to ensure that a fair decision is reached in line with the appropriate medical and financial information. 
• Technical enquiries dealt with competently to ensure that a high level of customer service is provided. 
• Continuous improvement activities encouraged, developed and implemented to ensure that Underwriting practices and skills are constantly enhanced. 
• One-to-one training, coaching, development and mentoring provided to colleagues as required. 
• Audit and Quality Assurance data collated, checked for accuracy and regular reports produced in order to provide feedback to staff and line managers which will be used to enhance the service. 
• Business projects which impact Underwriting processes progressed and completed in line with the relevant project plan to ensure that the interests of the Underwriting service are represented and the service is enhanced. 
• Maintaining relationships with Sales and Marketing, the Chief Medical Officer and the Reassurer, to ensure that these relationships work to the mutual advantage of these areas and Standard Life.
• Previous underwriting decisions are reviewed in light of a claim to provide a “retrospective underwriting” decision, as the decisions must be justifiable and linked to the appropriate underwriting standards at the date of when the policy was written.

Qualifications / Experience: (Dept and breadth of specialised knowledge)  

• Underwriting experience including Older Life, medical, occupational, substandard life/CI/IP and recreational risks with a range of sums assured. 
• An industry recognised qualification is desirable 
• The jobholder must have sound knowledge of existing risk products and underwriting practices, and a competent knowledge of appropriate financial services legislation. 
• Ability to exercise judgement and make decisions. 
• The job holder must have a good level of general market awareness and industry knowledge. 
• The ability to plan and organise own workload and manage tasks simultaneously within tight timescales, with conflicting demands. 
• Excellent communication skills. 
• Previous experience of Quality Assurance
• This role has been identified as regulated role the Central Bank of Ireland’s Fitness & Probity regime. The successful candidate will be required to comply with the Central Bank of Ireland’s Fitness and Probity Standards on an ongoing basis. Further details are available on request from the HR Team or directly from the Central Bank of Ireland.

Competencies:  The below competencies are essential to the success of the role and will be evaluated as part of the recruitment process. 

• Customer Focus
• Teamwork
• Analytical Thinking
• Decision Making and Judgement

We want to hire the whole version of you. We are committed to ensuring that everyone feels accepted and safe at work, and are proud to be an equal opportunity employer. Everyone is valued at Phoenix regardless of age, gender identity, neurodiversity, race, disability, sexual orientation, religion, ethnicity, socioeconomic background or anything else. Whether it’s joining one of our internal employee networks, being an ally, taking positive action or simply being there to listen, everyone at Phoenix is valued and respected. If you need any help or adjustments to the recruitment process due to health, disability or anything else, please let us know so we can help you to be the best version of yourself. We value diversity in our workforce and welcome enquiries from everyone.

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