Senior Underwriter - Large Market

The Senior Underwriter is responsible for providing pricing and plan design for companies with 1,000 or more lives utilizing prior claim experience and manual rates. Products include Group Dental, Vision, FMLA, STD, LTD, Life, Accident, Critical Illness and Hospital Indemnity insurance.The underwriter will possess top technical competence, the ability to learn how to underwrite new lines of coverage and the ability to deeply analyze the key drivers of insurance plan performance. The underwriter will be an excellent negotiator who builds collaborative relationships with Sales and other areas of Guardian to solve business issues and win. The underwriter will be both a confident communicator and an independent decision-maker.You willRecommend competitively priced products, funding arrangements, and services to meet customer requirements.Determine pricing of new business and/or renewal business, including alternate plan of benefit options.Communicate rate/fee development and plan design offered. Assess contract comparisons for takeover business.Negotiate with sales representatives or agents/brokers to resolve rate questions and risk related concerns.Handle administrative processing of cases. Utilize underwriting systems and databases for quotes, sales, renewals to track results.Document case decisions and underwriting rationale.Effectively work as part of a regional Underwriting Team.Provide mentoring/coaching to help develop technical skills of others, support team growth and development initiatives. Conduct training for sales and/or underwriting staff as needed.Participate in project work or on teams to develop or improve underwriting processes.You have5+ years of experience with Group Life, Disability and/or Dental underwriting.Background in experience-based rating and risk assessment.Ability to prioritize and efficiently manage multiple work items and due dates.Command of Underwriting tools and systems.Thorough knowledge of Group Insurance products/processes.Knowledge of local market competition and strategy (e.g., impact on claim pricing and product choices).Excellent analytical and mathematical skills and ability to apply them to complex cases and issues.Ability to make decisions, solve problems and meet challenges in completing work.Strong negotiation and conflict resolution skills.Proven ability to work independently.Excellent verbal and written communication and presentation skills.Effective use of Word, Excel, and PowerPoint applications.Location/TravelHybrid role - 2 days in the office, 3 days WFH - Preferred locations- Guardian home offices located in Bethlehem, PA, New York NY, Stamford CT, Holmdel, NJ - or in a Guardian sales offices located in Atlanta, Chicago, Boston, Newport Beach, or Piano/Dallas. We will consider candidates outside of preferred locations, offering flexible work arrangements if aligned.Occasional 0-10% TravelReporting RelationshipThis role reports to Leader, Large Market Underwriting.Salary Range$66,130.00 - $108,640.00. The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.Our PromiseAt Guardian, you’ll have the support and flexibility to achieve your professional and personal goals. Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.Equal Employment OpportunityGuardian is an equal opportunity employer. All qualified applicants will be considered for employment without regard to age, race, color, creed, religion, sex, affectional or sexual orientation, national origin, ancestry, marital status, disability, military or veteran status, or any other classification protected by applicable law.AccommodationsGuardian is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. Guardian also provides reasonable accommodations to qualified job applicants (and employees) to accommodate the individual's known limitations related to pregnancy, childbirth, or related medical conditions, unless doing so would create an undue hardship. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact

applicant_accommodation@glic.com .Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday.

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