Senior Life Underwriter

General Overview:

We are supporting our client in the Gulf region to hire an experienced Senior Life Underwriter to strengthen their underwriting function. This role plays a critical part in evaluating life accident and health insurance risks while ensuring compliance with underwriting standards medical guidelines and regulatory requirements.

The successful candidate will contribute to high-quality risk assessment support underwriting excellence and collaborate closely with internal teams and external stakeholders to deliver accurate timely and well-informed underwriting decisions.

Key Responsibilities:

• Assess life accident and health insurance risks and determine appropriate underwriting terms and conditions.
  
• Analyze risk exposures and review insurance applications ensuring all required documentation supports accurate risk evaluation.
  
• Recommend and review additional medical records special examinations and investigative reports as required.
  
• Evaluate medical case histories laboratory results and related documentation for completeness and accuracy.
  
• Present complex or high-risk cases to senior underwriting authorities when required.
  
• Communicate underwriting decisions requirements and timelines clearly to applicants agents and healthcare providers.
  
• Manage complex underwriting cases and ensure timely follow-up on pending requirements.
  
• Ensure full compliance with internal underwriting policies regulatory guidelines AML requirements and reporting obligations.
  
• Utilize and support auto-underwriting systems including rule interpretation testing and product implementation.
  
• Participate in underwriting framework development product reviews and system enhancements as needed.
  
• Stay updated on legislative regulatory and market developments impacting underwriting practices.
  

Key Requirements:

• Minimum 10 years of experience in life insurance underwriting with strong exposure to medical underwriting.
  
• Bachelors degree in a medical-related field such as Pharmacy Dentistry Physical Therapy or equivalent.
  
• Strong understanding of human anatomy physiology pharmacology medical terminology laboratory tests and disease processes.
  
• Proven experience underwriting Life Accident and Health insurance risks.
  
• Demonstrated expertise in risk profiling and making sound medical and financial underwriting decisions.
  
• Hands-on experience with auto-underwriting systems and underwriting rule frameworks.
  
• Excellent verbal and written communication skills.
  
• Strong analytical ability attention to detail and structured decision-making approach.
  
• Relevant professional qualifications and certifications are highly desirable.
  
• LOMA / ALU certifications are preferred.
  

Key Skills
Loan Processing,Credit Analysis,Fraud,Math,Risk Analysis,Pricing,Analysis Skills,Fair Housing Regulations,Equity Research,Underwriting,negotiation,RMF
Employment Type : Full Time
Experience: years
Vacancy: 1