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Senior Underwriting Consultant (Charlotte, NC OR Remote)

Req Id:  2928
Job Location: 

Charlotte, NC, US, 28277

Brighthouse Financial is on a mission to help people achieve financial security. As one of the largest providers of annuities and life insurance in the U.S., we specialize in products designed to help people protect what they’ve earned and ensure it lasts. We are built on a foundation of experience and knowledge, which allows us to keep our promises and provide the value they deserve.


At Brighthouse Financial, we’re fostering a culture where diverse backgrounds and experiences are celebrated, and different ideas are heard and respected. We believe that by creating an inclusive workplace, we’re better able to attract and retain our talent, provide valuable solutions that meet the needs of our advisors and their clients, and deliver on our mission of helping more people achieve financial security. We’re seeking passionate, high-performing team member to join us. Sound like you? Read on. 


How This Role Contributes to Brighthouse Financial:

Candidate should embrace leading in a team based environment and collaborating with other leaders to help Brighthouse Financial successfully grow market share and provide outstanding service to our in force customers.  As a Senior Underwriting Consultant – Life New Business and Operations, you will be responsible for reviewing cases to identify insurable risks, managing internal and external relationships with partners and working within a complex electronic environment.


Work Location:

Charlotte, NC (remote option)

To protect the health and safety of our employees, our offices are closed until at least September 2021. When our offices reopen, the individual hired for this role will be based in our Charlotte, NC office or can continue to work remotely if candidate resides outside of Charlotte, NC.


Key Responsibilities:

  • Underwrites and accepts/rejects individual mortality and morbidity risks in accordance to Brighthouse underwriting guidelines. Case level work assignments may vary, and may include face amounts up to and exceeding $10M.
  • Responsible for providing direction to underwriting staff, which could range from entry-level to senior staff levels. Co-sign for less experienced underwriters.
  • Provides activity reports to Management. Takes leadership role on projects assigned by Management.
  • Monitors trends and identify the needs for new or revised underwriting policies, procedures or practices.
  • Responsible for assisting director with assignment and scheduling of work, monitoring time service and performance goals, and ensuring accurate, competitive classification of individual insurance risks.
  • Interacts with customers to simplify the acquisition process while protecting mortality results.
  • Mentors less experienced underwriting professionals and may provide second signature review.
  • Makes business decisions that are financially responsible, accountable, justifiable, and defensible in accordance with departmental policies and procedures.


Essential Business Experience and Technical Skills:

  • Working knowledge of insurance principles including mortality, morbidity, insurable interest and actuarial theory
  • 8+ years of individual mortality insurance underwriting or equivalent experience
  • Some management experience preferred
  • Some morbidity underwriting experience preferred
  • Undergraduate degree preferred or equivalent work experience
  • AALU required, FALU preferred
  • FLMI required or obtain within 12-18 months of employment
  • Excellent written and oral communication skills to communicate clearly and concisely by telephone and email.
  • Strong listening skills to ensure understanding of associate and customer questions and concerns. Overall, ability to effectively communicate.
  • Ability to foster and develop successful professional relationships to elicit the trust and confidence of our customers and business partners
  • Works with a sense of accountability and ownership; results driven
  • Open to direction and Collaborative work style
  • Solid knowledge of insurance products, services, operations, and business systems
  • Competencies: Focuses on Customers, Use of Sound Business Judgment, Decision- making Ability, Communicates Effectively, Produces Results
  • Supervisory Responsibilities: Prior experience mentoring or training junior underwriters preferred.
  • Easily adaptable to changes in business processes, work priorities and work environment
  • Comfortable with new technology and operating within multiple systems/work environments.
  • Proficiency in Microsoft Office


Our Benefits:

  • Time Off: Minimum of 20 days of paid time off and 13 paid company holidays per full calendar year, plus paid volunteer time
  • Financial Benefits: 401(k) savings plan with up to a 6% annual match and 3% annual company nondiscretionary contribution of eligible compensation, annual incentive plan, and employee stock purchase plan
  • Family Focus: Up to 16 weeks of paid leave for new parents, back-up care program, dependent care flexible spending account, and adoption and surrogacy assistance
  • Health and Welfare: Competitive medical, vision and dental plans, plus tax-free health savings accounts with potential company contributions up to $1,000 per family
  • Wellness Programs: Wellness incentive platform, employee assistance program, financial counseling services, fitness center discounts and more
  • Life & Disability Benefits: Company-paid basic life insurance and short-term disability




Nearest Major Market: Charlotte

Job Segment: Underwriter, Actuarial, Accounting, Insurance, Finance