MetLife

We are currently looking to fill the position of Senior life Underwriter which is integral to MetLife's ongoing commitment to delivering excellent services across Gulf. This role offers a unique opportunity to contribute significantly to our mission while working on impactful and rewarding challenges.

The Opportunity

The Senior Underwriter will be responsible for risk assessment and evaluation of life insurance applications. This is an exciting opportunity to engage in meaningful work and collaborate with cross-functional teams, playing a pivotal role in shaping the future of our operations.

Key Responsibilities

• Assessing Life, Accident, and Health risks, determining applicable terms and conditions, and ensuring accurate risk assessment.
• Analyzing risk exposures, reviewing insurance and risk management requests, and ensuring that all required documentation is aligned with the risk being evaluated.
• Evaluating and recommending the necessity of additional medical records, special examinations, and reports for comprehensive risk evaluation.
• Reviewing medical case histories, laboratory data, and other relevant documentation, ensuring accuracy and completeness.
• Presenting files for review by higher authorities when necessary, maintaining a high level of diligence.
• Communicating effectively with applicants, agents, and healthcare providers to clarify underwriting decisions and requirements.
• Managing complex underwriting calls and informing agents of decisions, requirements, delays, or procedures in a timely manner.
• Adhering to all compliance requirements, including the reporting of suspicious transactions, screening procedures, and maintaining records as required by regulations.
• Understanding and implementing auto underwriting systems, rules, and participating in product testing and design when required.
• Frameworks, Boundaries, & Decision-Making Authority
• Ensuring all underwriting activities comply with established regulations, guidelines, and procedures.
• Conducting thorough risk assessments based on medical and financial guidelines.
• Leveraging a deep knowledge of MetLife's products and relevant underwriting systems.
• Staying informed of any legislative or regulatory changes that may affect underwriting processes.
• Making decisions that align with MetLife’s philosophy and underwriting manual.

Requirements

• Extensive experience in Medical Underwriting, with a strong understanding of human diseases (e.g., Physiology, Microbiology, Pharmacology) and at least 10+ years of experience in underwriting.
• Bachelors degree in a medicine (Pharmacy, dentistry, physical therapy, etc.) 
• Strong verbal and written communication skills.
• Experience in Life, Accident, and Health underwriting, with preference for candidates with medical underwriting experience.
• Proficient knowledge of medical terminology, human anatomy, medical tests, procedures, and health conditions.
• Expertise in risk profiling and the ability to make sound medical and financial underwriting decisions.
• Experience in management of auto-underwriting systems. 
• Relevant tertiary or professional qualifications are highly desirable.
• Strong attention to detail, organizational skills, and logical thinking.
• LOMA/ALU courses are preferred.