Manulife is a leading international financial services provider, helping people make decisions easier and lives better. Help shape the future you want to see — and discover that better can take you anywhere you want to go.

Position Responsibilities

• Conduct risk assessment of HNW client policies, ensuring thorough risk assessment and adherence to underwriting guidelines

• Evaluate insurance applications, including but not limited to medical, financial, residential, aviation, avocation and moral hazards

• Make informed decisions on policy terms and conditions, ensuring competitiveness

• Build and maintain strong relationships with Agency, Brokers, banca partners.

• Provide expert advice and solutions tailored to the unique needs of affluent clients

• Develop and refine underwriting guidelins and procedures specific to the HNW market

• Ensure compliance with all regulatory requirements and company policies

• Assume responsibility for continuing training and development of more junior underwriters

• Manage acquisition of reinsurance coverage for large cases

• Comply with departmental procedures Identify and provide solutions to work related problems and issues

• Ability to adapt to changing underwriting philosophy and apply new approaches

• Strong independent problem solving ability including research and presentation of potential solutions

• Communicate and collaborate with the field and head office colleagues to provide the highest quality and service levels to customers

• Manage mortality on preferred block of business, through flex guidelines to ensure pricing and mortality expectations are met

• Maintain positive and effective relationships with internal and external partners

• Build and maintain good relationships within a self-directed team environment

• Negotiate and manage time and resources to meet deadlines and service times

Required Qualifications

• Post-secondary education or equivalent work experience

• Expert knowledge of underwriting function; sound understanding of Company’s various business operations

• Excellent analytical skills; ability to define, research and resolve problems

• Excellent knowledge of mainframe and PC environment

• Ability to create and maintain customer relationships

• Ability to prioritize and work effectively under deadlines balancing published service times with an appropriate customer focus

• Ability to comprehend, retain and apply current technical information to daily work issues

• Solid knowledge of insurance contract law and state legislative requirements

• Expert knowledge of company plans, riders, benefits and illustrations (and how they are marketed)

• Expert knowledge of reinsurance marketplace (including underwriting strengths and weaknesses) to work proactively with the field where reinsurance is an opportunity

• Thorough understanding of automatic reinsurance agreements

• Expert knowledge of medical science, technology and terminology and their impact on mortality

• Expert knowledge of financial and other non-medical underwriting factors

When you join our team:

• We’ll empower you to learn and grow the career you want.

• We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words.

• As part of our global team, we’ll support you in shaping the future you want to see.

About Manulife and John Hancock

Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. To learn more about us, visit https://www.manulife.com/en/about/our-story.html.

Manulife is an Equal Opportunity Employer

At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.

It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact [email protected].

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