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Open nowPosted 199 days ago

Junior Underwriter

Guardian Group38 open roles

Where
Trinidad and Tobago
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Your applicationOpen nowJunior UnderwriterGuardian Group · Trinidad and Tobago

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The clock on this job

Early applications get read.

13.5% of postings close within 7 days. Measured by our own scanner across the market. Guardian Group postings stay open a median of 13 days.

Share of postings closed within
  1. 2.3%1 day
  2. 4.6%3 days
  3. 13.5%7 days
  4. 21.8%14 days
  5. 36.6%30 days
  6. 58.9%60 days
This job: posted 199 days ago

Guardian Group median: 13 days open

The posting

Job Description

We are seeking a detail-oriented and analytical Junior Underwriter to support the assessment of new business and underwriting decisions. In this role, you will evaluate risk, review applications, and ensure compliance with underwriting guidelines while contributing to efficient turnaround times. If you are eager to grow your career in life insurance and have a strong eye for detail, we’d love to hear from you.

About Guardian Life of the Caribbean Limited

Guardian Life of the Caribbean Limited leads the charge in Life, Health, and Pension solutions throughout the Caribbean Region. Our unwavering mission is to cultivate financial freedom for our stakeholders through transformative interactions, fuelled by the relentless power of technology. With innovation at our core, we strive to redefine the landscape of financial services, empowering individuals, and businesses alike to pursue their dreams with confidence and security.

JOB OVERVIEW:

The Junior Underwriter reviews and assesses applications for life insurance, by acting promptly while exercising sound, objective and consistent judgment in making underwriting decisions. He/ She is required to follow established risk classification principles that differentiate fairly on the basis of sound actuarial principles and/or reasonable anticipated mortality or morbidity experience. Additionally, the junior underwriter grants approval of coverage up to pre-determined limits subject to the underwriting manager’s discretion.

JOB RESPONSIBILITIES:

1. Underwriting:

• Underwrite applications for individual life insurance within specified time period.

• Update relevant systems (Ingenium/UWPro) with underwriting decisions.

• Send emails to branches of requirements ordered, update relevant systems & upload to MFiles accordingly.

• Consult Chief Medical Officer (CMO) as and when required.

• Refer applications to Reinsurers as necessary, including submission of email to underwriting support staff.

• Assist agents with underwriting queries.

• Contact client, doctors and companies to secure additional or clarify information as necessary.

• Full and accurate completion of the UDS.

• Send emails to the branch and the case officer notifying of exclusion clauses.

• Refer all underwriting decisions outside underwriting authority for review; authorization limit set at manager’s discretion; subject to revision.

2. Substandard Processes:

• Include details of reason for decision in Underwriting Record.

• Submit confirmation email on cases to postpone / decline.

• Request information from other companies, doctors as necessary for substandard review.

3. General:

• Regularly attend training sessions and meetings as required by the Department.

• Respond to queries within the customer service standards timelines.

• Maintain and update codes in systems relative to underwriting functions.

4. To perform any other job-related duties that may be assigned by the Senior Underwriter Team Leader and the Senior Manager.

EDUCATION AND EXPERIENCE:

• 5 CXC/CSEC/CAPE passes including Mathematics, English Language & Biology or Human & Social Biology

• 2 A’ Level/CAPE passes

• ALMI/FLMI designation

• UND 386

• 3 years’ work experience in the Insurance Industry

• 2 years’ underwriting experience

• Knowledge of all company products

ADDITIONAL REQUIREMENT:

As a regulated entity with obligations under the Know Your Employee guidelines, a Certificate of Character is required.

PERSON SPECIFICATION:

The Junior Underwriter must be flexible, highly adaptive to changes in the organisation and possess excellent interpersonal skills, with a strong customer service focus. He/ She must be a very meticulous, organised and detail oriented individual. The individual must possess strong problem-solving skills and be able to make sound decisions.

Applications will be treated with the utmost confidentiality.

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