As an **Individual Disability Senior Underwriter** , you're responsible for exercising your discretion and using professional judgment in decision making of individual disability cases up to $15,000/monthly indemnity for personal coverage and up to $50,000 of Overhead Expense. You will use your training and experience to determine the insurability as well as premium classification of applications. As a Senior Underwriter, you are accountable for managing assigned work, maintaining excellent agency relationships, and ensuring customer satisfaction at the highest level. You are part of a dynamic team that works with adjacent departments for the benefit of the facilitation of the entire underwriting and administrative process. You operate in a cross-functional team environment where a positive consumer journey and prudent risk evaluation is critical to our success. You are + An independent decision-maker that applies resources and uses logic to solve problems quickly with minimal leadership assistance + A self-starter that is fueled by collaboration and problem solving + A confident and skilled communicator who can provide constructive, focused feedback + Comfortable challenging the status quo and offering new insights and solutions + A positive role model highly focused on the consumer and a strong collaborator and leader with colleagues + Highly driven by your own development and success, willing to accept stretch assignments, and crafting meaningful development and career plans based on your skill development needs. + Motivated and inspired to do whatever it takes to positively impact our field partners and consumers’ lives and foster their well-being + Very organized with a strong attention to detail across a variety of tasks You will + Recognize and obtain requirements necessary in evaluating risks, consistently using the global approach (a “broadened view” of the entire case to forecast all needs and requirements at onset) to underwriting + Proficiently evaluate more complex medical, financial, non-medical information with little to no manager involvement, and review prior files as developed, to determine the risk classification according to company guidelines + Communicate and/or negotiate with the field force and home office personnel for the purpose of acquiring necessary information, solving problems, and conveying decisions in a polite, confident, and professional manner + Consult with Medical Director and Mentors and/or senior underwriting staff for the purpose of resolving complex medical and non-medical histories + Interpret underwriting policy and implement established guidelines, department procedures, and compliance directives + Confidently explain Guardian product information, risk classification, and underwriting action to peers and field force + Collaborate with peer underwriting staff, support personnel, and adjacent departments to facilitate the entire selection, issue, and administrative process + Negotiate underwriting appeals with minimal management involvement when collaborating with general agents, agents, and agency personnel + Review, interpret and record Medical Information Bureau codes in accordance with established MIB guidelines + Communicate actions with our proposed policyholders + Participate in ongoing training and development offerings to enhance customer service and underwriting, in support of a high-performance culture + Demonstrates ownership and follow-through when reviewing case files, workflows, exceptions, and anomalies and able to identify patterns and trends and offer proactive and practical solutions You have + Minimum of 4+ years' experience in individual disability underwriting + College degree preferred or industry related education (i.e., LOMA, ALU, CLU) or related professional experience + Knowledge of individual disability insurance products/processes + Working medical knowledge (i.e., Medical Terminology, Anatomy and Physiology, and Medical Conditions) + Working financial knowledge (i.e., Personal and Business Tax Returns, Profit & Loss Statements) + Strong proficiency in Outlook, Microsoft Word/Excel as well as general computer proficiency + Excellent analytical skills; written and oral communication skills and negotiation skills + Exceptional decision-making skills and organizational and time management skills LOCATION and TRAVEL This is a remote position (mobile) with occasional travel to a Guardian office annually or as determined by your people leader. **Salary Range:** $67,450.00 - $110,815.00 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 Promise** At 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. **Inspire Well-Being** As part of Guardian’s Purpose – to inspire well-being – we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues. Explore our company benefits at www.guardianlife.com/careers/corporate/benefits . _Benefits apply to full-time eligible employees. Interns are not eligible for most Company benefits._ **Equal Employment Opportunity** Guardian 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. **Accommodations** Guardian 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.** Every day, Guardian helps our 29 million customers realize their dreams through a range of insurance and financial products and services. Our Purpose, to inspire well-being, guides our dedication to the colleagues, consumers, and communities we serve. We know that people count, and we go above and beyond to prepare them for the life they want to live, focusing on their overall well-being — mind, body, and wallet. As one of the largest mutual insurance companies, we put our customers first. Behind every bright future is a GuardianTM. Learn more about Guardian at guardianlife.com .