Underwriting Consultant remote type Fully Remote locations Bethlehem time type Full time job requisition id R000108995 Do you want to be the go-to expert for complex life underwriting decisions and help lead the adoption of next-generation tools? As an Underwriting Consultant, you will serve as a senior technical expert within the Life Underwriting practice for Financial Protection and Retirement Solutions. You will apply specialized expertise to adjudicate the most complex cases, troubleshoot escalations, and guide peers in leveraging modern underwriting technologies. This role ensures competitive, customer-centric, and compliant underwriting practices while aligning with our values of We do the right thing, We believe people count, We courageously shape our future together, and We go above and beyond for the people we serve. You are A recognized authority in life underwriting with the ability to interpret complex business issues and deliver sound, innovative solutions. You are comfortable adapting precedent and introducing approaches that improve efficiency and customer experience while maintaining favorable mortality results within company expectations. You are also a trusted resource for peers and leaders, providing guidance on challenging cases and the adoption of digital tools. You have - Specialized depth and breadth of expertise in individual life underwriting, including authority on complex and high dollar cases. - Proven ability to adopt and champion technology-enabled solutions, leveraging automated underwriting platforms and data-driven tools. - Demonstrated experience working within reinsurance frameworks, including interpreting treaty language, understanding retention limits, applying automatic and facultative reinsurance rules, and collaborating with reinsurance partners. - Familiarity with emerging technologies (Electronic Health Record (EHR), GenAI, wearable technology) and behavioral economics concepts. - Familiarity with quality control programs (e.g., Random Holdouts (RHO), Post-Issue Audits (PIA)) and applying analytics for continuous improvement. - Strong problem-solving and decision-making skills, able to adapt precedent and develop innovative approaches. - Excellent communication and collaboration skills, capable of influencing peers and supporting leadership. You will - Serve as one of the top technical underwriter on the team, adjudicating the most complex and high-value cases, reviewing appeals, reference, reinsurance submissions, ensuring decisions align with underwriting guidelines, mortality, morbidity, and product expectations. - Provide expert judgment and guidance on escalated cases, troubleshooting complex issues for all levels of staff and management. - Apply deep reinsurance expertise to ensure appropriate use of automatic and facultative reinsurance, evaluate treaty requirements, and partner with reinsurance underwriters as needed. - Serve as a trusted underwriting partner to Distribution and Field leadership, delivering clear guidance, responsive support, and consultative expertise to drive case placement, strengthen relationships, and ensure a seamless experience for producers and customers. - Maintain deep knowledge of underwriting guidelines, risk assessment methodologies, and regulatory requirements, ensuring compliance and consistency. - Champion the adoption and effective use of modern underwriting tools and platforms, ensuring integration into daily workflows. - Troubleshoot complex underwriting issues across the underwriting team, applying innovative solutions. - Mentor, train, and guide underwriters in advanced case handling and digital tool utilization. - Monitor industry trends and share insights to inform prudent business decisions. - Collaborate with the entirety of the life underwriting team (e.g., managers, transformation specialists, etc.) to ensure successful implementation of transformation initiatives. Salary Range: $86,210.00 - $141,635.00 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.

Role Description As a Senior Production Underwriter, you’ll manage a diverse portfolio of equipment breakdown accounts across various occupancies. You’ll be responsible for evaluating, quoting, and underwriting risks within your binding authority, while also cultivating agency and broker relationships to support growth and retention goals. Key Responsibilities - Underwrite and manage a portfolio of equipment breakdown business, including renewals and new submissions. - Evaluate risks and make sound underwriting decisions in alignment with company guidelines. - Partner with Business Development, Engineering, Claims, and other internal teams to deliver exceptional service. - Conduct virtual and in-person client visits to strengthen relationships and identify opportunities. - Prepare for sales calls by reviewing account history, claims, and renewal activity; document key discussion points. - Mentor team members and help resolve communication challenges internally and externally. - Drive new business growth and renewal retention; performance measured by premium targets and hit ratios. Qualifications - Bachelor’s degree in Business Administration, Risk Management, Finance, or equivalent experience. - Minimum of 5 years of underwriting experience, preferably in Property & Casualty. - Background in mechanical or facilities engineering is a plus. Requirements - In-depth knowledge of P&C insurance products and underwriting practices. - Strong financial acumen and data-driven decision-making skills. - Proficiency with digital tools, platforms, and prioritization modeling. - Exceptional communication, negotiation, and relationship-building abilities. Benefits - Health insurance coverage. - Employee wellness program. - Life and disability insurance. - Retirement savings plan. - Paid holidays and paid time off (PTO).

Company Overview FOCUS provides cloud-based, core administration solutions (FOCUS Tech) and services (FOCUS Insurance Services) for P&C insurance companies and MGAs. Using decades of industry experience, FOCUS is taking the risk out of insurtech for small, mid-size, and growth-focused insurance organizations. When you join FOCUS, you immediately become one of our most valued components – and we’re committed to investing in you. That means you can look beyond the paycheck and excellent benefits to an environment that will help you grow and achieve your professional goals through development and advancement opportunities and the support of our outstanding leaders and teammates. Position Summary The Underwriter II – Commercial Lines is responsible for providing high-level service and underwriting support for a portfolio of small to mid-sized commercial accounts, including select high-profile or complex cases. Core responsibilities include processing policy transactions with underwriting authority, managing endorsement requests, handling certificates of insurance, responding to service inquiries, proactively identifying cross-sell opportunities, and serving as a resource to peers. This role emphasizes technical accuracy, strong communication skills, and a proactive, team-focused approach in delivering exceptional client service. Key Responsibilities: - Underwrite and process commercial lines endorsements within assigned authority levels, ensuring compliance with underwriting guidelines. - Review and manage complex and high-profile accounts, demonstrating advanced knowledge of commercial coverages and risk evaluation. - Issue accurate and timely certificates of insurance and endorsements in accordance with client-specific and regulatory requirements. - Provide expert-level service by responding to policyholder and agent inquiries via phone and email, with attention to detail and resolution follow-through. - Manage workflow from tasks indexed via email and phone calls, maintaining a timely and organized approach to documentation and follow-up. - Support proactive policy renewals by reviewing account history and identifying opportunities to adjust coverage or add value. - Collaborate with cross-functional teams to identify and act on opportunities for cross-selling additional lines of coverage. - Take a lead role in assisting and mentoring peers, offering training support, process clarification, and sharing of best practices as needed. - Serve as a go-to resource for escalated service issues, demonstrating sound judgment and customer-centric problem-solving. - Support quality control initiatives by identifying process inefficiencies, recommending improvements, and assisting with audits when required. - Actively contribute to maintaining client satisfaction scores and service level agreements (SLAs). Required Skills & Qualifications: - Active Property & Casualty Insurance License required; must be able to obtain licensing in all 50 states. - Comprehensive understanding of commercial lines insurance products and risk assessment. - Proven ability to handle more complex or high-exposure accounts with minimal supervision. - Strong verbal and written communication skills with a customer-first mindset. - High degree of accuracy and attention to detail in processing and documentation. - Proficient in agency management systems (e.g., EZLynx) and CRM platforms. - Able to lead by example and provide informal peer coaching and support. Education & Experience: - Associate or bachelor’s degree preferred. - 3–5 years of experience in commercial lines underwriting or servicing with increasing responsibility. - Previous experience working on mid-sized to complex commercial accounts highly desirable. - Call center or high-volume service environment experience is a plus. Work Environment & Physical Requirements: - Remote work schedule, with flexibility to support extended hours up to 8:00 PM ET. - Requires prolonged periods of sitting and use of a computer. - Occasional lifting of up to 10 lbs. - Frequent phone communication with agents and policyholders; ability to manage multiple systems and inquiries simultaneously. Disclaimer: This job description is not intended to be an exhaustive list of duties or responsibilities. Duties and responsibilities may change with or without notice based on business needs. Why join the FOCUS Team? The FOCUS Difference: - Medical, Dental, Vision, Life, Pet; Flexible Spending Account - Competitive Salaries - 401K Match - Work-Life Balance: Personal Days, PTO Days, 12 Paid Holidays, Two Paid Days for Volunteer Service, Paid Parental Leave - Short and Long-Term Disability - Employee Support Programs, Including Mental Health - Tuition Reimbursement - Matching Charitable Gift Program - Lucrative Referral Program - Commuter Benefits - Flexibility: Remote and Hybrid Opportunities Available This position is not able to be performed in California, Colorado, New York or Washington. EEO Team Focus Insurance Group is an equal opportunity employer that does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, and gender identity), national origin, age, disability, veteran status, marital status, or any other protected characteristic. Our hiring practices ensure that all qualified applicants receive fair consideration without regard to these characteristics. Disability Team Focus Insurance Group is committed to creating an inclusive and accessible workplace for all candidates, including those with disabilities. We are dedicated to ensuring equal employment opportunities and providing reasonable accommodations to qualified individuals with disabilities. If you require reasonable accommodations to participate in the application or interview process, please contact our HR department at hrinfo@peak6insurtech.com. We will work with you to provide the necessary accommodations to ensure your full participation in our hiring process. Note to applicant: It is unlawful in Massachusetts and Maryland to require or administer a lie detector test as a condition of employment or continued employment. Please know that our company does not use lie detector tests in our hiring process.

Do you want to be the go-to expert for complex life underwriting decisions and help lead the adoption of next-generation tools? As an Underwriting Consultant, you will serve as a senior technical expert within the Life Underwriting practice for Financial Protection and Retirement Solutions. You will apply specialized expertise to adjudicate the most complex cases, troubleshoot escalations, and guide peers in leveraging modern underwriting technologies. This role ensures competitive, customer-centric, and compliant underwriting practices while aligning with our values of We do the right thing, We believe people count, We courageously shape our future together, and We go above and beyond for the people we serve. You are A recognized authority in life underwriting with the ability to interpret complex business issues and deliver sound, innovative solutions. You are comfortable adapting precedent and introducing approaches that improve efficiency and customer experience while maintaining favorable mortality results within company expectations. You are also a trusted resource for peers and leaders, providing guidance on challenging cases and the adoption of digital tools. You have - Specialized depth and breadth of expertise in individual life underwriting, including authority on complex and high dollar cases. - Proven ability to adopt and champion technology-enabled solutions, leveraging automated underwriting platforms and data-driven tools. - Demonstrated experience working within reinsurance frameworks, including interpreting treaty language, understanding retention limits, applying automatic and facultative reinsurance rules, and collaborating with reinsurance partners. - Familiarity with emerging technologies (Electronic Health Record (EHR), GenAI, wearable technology) and behavioral economics concepts. - Familiarity with quality control programs (e.g., Random Holdouts (RHO), Post-Issue Audits (PIA)) and applying analytics for continuous improvement. - Strong problem-solving and decision-making skills, able to adapt precedent and develop innovative approaches. - Excellent communication and collaboration skills, capable of influencing peers and supporting leadership. You will - Serve as one of the top technical underwriter on the team, adjudicating the most complex and high-value cases, reviewing appeals, reference, reinsurance submissions, ensuring decisions align with underwriting guidelines, mortality, morbidity, and product expectations. - Provide expert judgment and guidance on escalated cases, troubleshooting complex issues for all levels of staff and management. - Apply deep reinsurance expertise to ensure appropriate use of automatic and facultative reinsurance, evaluate treaty requirements, and partner with reinsurance underwriters as needed. - Serve as a trusted underwriting partner to Distribution and Field leadership, delivering clear guidance, responsive support, and consultative expertise to drive case placement, strengthen relationships, and ensure a seamless experience for producers and customers. - Maintain deep knowledge of underwriting guidelines, risk assessment methodologies, and regulatory requirements, ensuring compliance and consistency. - Champion the adoption and effective use of modern underwriting tools and platforms, ensuring integration into daily workflows. - Troubleshoot complex underwriting issues across the underwriting team, applying innovative solutions. - Mentor, train, and guide underwriters in advanced case handling and digital tool utilization. - Monitor industry trends and share insights to inform prudent business decisions. - Collaborate with the entirety of the life underwriting team (e.g., managers, transformation specialists, etc.) to ensure successful implementation of transformation initiatives. Salary Range: $86,210.00 - $141,635.00 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 MyHR@glic.com. Please note: this resource is for accommodation requests only. For all other inquires related to your application and careers at Guardian, refer to the Guardian Careers site. Visa Sponsorship Guardian is not currently or in the foreseeable future sponsoring employment visas. In order to be a successful applicant. you must be legally authorized to work in the United States, without the need for employer sponsorship. Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday.