Title: Senior Underwriting Consultant Location: Remote United States Underwriting Remote: Remote Full time Regular Compensation Range:Compensation Range: $89,310 - $134,870 Job Description: You desire impactful work. You're RGA ready RGA is a purpose-driven organization working to solve today's challenges through innovation and collaboration. A Fortune 200 Company and listed among its World's Most Admired Companies, we're the only global reinsurance company to focus primarily on life- and health-related solutions. Join our multinational team of intelligent, motivated, and collaborative people, and help us make financial protection accessible to all. Position Overview Under limited supervision, evaluates and classifies medical, non-medical, and financial risks on complex risks for life insurance up to $10,000,000 with approval authority up to $5,000,000. Ensures rate quotes are fair and equitable to clients, profitable to RGA Re, and completed within the required time frames. Maintains strong client relationships by providing underwriting solutions to client issues and communicating underwriting decisions, compromises and solutions in a professional, client-focused manner. Responsibilities - Appraises and underwrites complex risks for life insurance with approval authority up to $5,000,000 and ensures underwriting quotes are sound, competitive and profitable to RGA Re. - Processes casework load to ensure completion in a timely, efficient manner, meeting or exceeding time service/productivity goals and offer/decline ratios; and ensuring compliance with internal underwriting and audit guidelines. - Provides underwriting solutions to clients by partnering with them to identify unique, creative ways to solve their problems and improve their business results. - Builds and maintains strong working relationships with clients by gaining knowledge of clients' business and uses effective listening skills to understand their needs. Effectively communicates, sells and negotiates RGA Re's underwriting decisions. - Keeps abreast of new client company or industry products, current developments and changes in medical and financial underwriting and maintains/updates professional development through study of literature and participation in seminars. - Identifies image system issues, sometimes on a remote basis, and reports inconsistencies or problems. - Collaborate with Medical Directors, other team members, internal departments and other RGA Re offices to obtain expert knowledge, to assist in identifying solutions and resolutions to problems/issues resulting in quality results and client satisfaction. - Participates in special projects, committees, and meetings and assists in client presentations, as required. - Assists in department training, updating internal underwriting guidelines/procedures, gathering client profiles, audit reviews, and in other department areas as needed. - Maintains regular and predictable attendance. - Performs backup support and other duties as assigned. Qualifications - Bachelor's Degree or equivalent related work experience (minimum 8 years) - 4-6 years reinsurance Life underwriting experience or 7-8 years direct Life underwriting experience - Basic Word skills, intermediate SQL/Query and Excel skills - Competent ability to comprehend and interpret insurance and contract documents. - Advanced oral and written communication skills demonstrate the ability to share and impart knowledge. - Ability to quickly adapt to new methods, work under tight deadlines and stressful conditions. - Advanced investigative, analytical and problem-solving skills - Advanced ability to set goals and handle multiple tasks, clients, and projects simultaneously; Ability to appropriately balance priorities, deadlines, and deliverables - Ability to work well within a team environment and participate in department/team projects - Ability to balance detail with departmental goals/objectives - Advanced ability to translate business needs and problems into viable/accepted solutions - Advanced skills in customer relationship management and change management - Ability to manage multiple projects or teams and set applicable goals - Advanced negotiating and persuasion skills - Ability to liaise with individuals across a wide variety of operational, functional, and technical disciplines - General business knowledge - Advanced knowledge of insurance principles, underwriting policies and procedures and guidelines for dealing with risk analysis. - Advanced knowledge of medicine, law, accounting, finance as applied to the evaluation of life reinsurance risks and of life insurance risks. - Ability to comprehend, analyze and apply vast amounts of medical and financial information quickly to making sound financial underwriting and risk assessments. - Ability to work online, either at home or remote - Ability to travel occasionally What you can expect from RGA: - Gain valuable knowledge from and experience with diverse, caring colleagues around the world. - Enjoy a respectful, welcoming environment that fosters individuality and encourages pioneering thought. - Join the bright and creative minds of RGA, and experience vast, endless career potential. We're excited to get to know you and connect your unique skills with our global opportunities. To create a modern and seamless experience, we use artificial intelligence (AI) in parts of our preliminary screening process. This technology helps us personalize job recommendations, automate interview scheduling, evaluate candidates based solely on experience-without considering name, gender, or other personal details-and provide real-time answers through our chatbot. AI is used only during early screening and never makes hiring decisions. Your RGA recruiter will work closely with you every step of the way to ensure the process feels personal, thoughtful, and focused on you. Compensation Range: $89,310.00 - $134,870.00 Annual Base pay varies depending on job-related knowledge, skills, experience and market location. In addition, RGA provides an annual bonus plan that includes all roles and some positions are eligible for participation in our long-term equity incentive plan. RGA also maintains a full range of health, retirement, and other employee benefits. RGA is an equal opportunity employer. Qualified applicants will be considered without regard to race, color, age, gender identity or expression, sex, disability, veteran status, religion, national origin, or any other characteristic protected by applicable equal employment opportunity laws.

• Lead, mentor, and calibrate a team of retail residential underwriters — setting the standard for quality, consistency, and turn time • Own escalated and exception files while maintaining production flow and protecting the company's credit profile • Serve as a cross-functional partner to sales, operations, and processing — removing friction, solving bottlenecks, and keeping the pipeline moving • Develop and maintain a robust underwriting quality feedback loop that drives continuous improvement across the team • Monitor agency guideline updates (Fannie Mae, Freddie Mac, FHA and beyond) and translate changes into clean, workable overlays the team can execute on • Ensure all underwriting activity meets state-by-state compliance standards in an IMC environment — where regulatory precision matters and there is no federal preemption safety net • Contribute to senior-level credit and production conversations as a credible, experienced voice in the room

Role Description The Stop Loss Underwriting Specialist supports the Stop Loss Underwriting team through data entry, running, and reviewing claims reports. This role is responsible for: - Completing contracts and fee schedules. - Handling all administration of contracts and fee schedules. - Completing travel and expenses for the stop loss director and team when applicable. - Providing other administrative support as directed. Do you thrive as a part of a collaborative, caring team? Then this role may be the perfect fit. Qualifications - High School diploma or GED. - 4 years office, data entry, or equivalent combination of education and experience, preferably in a health care environment. - Knowledge of stop loss claims processing preferred. - Demonstrated ability to exercise sound judgment, initiative, and discretion in a mature, sensitive, and confidential manner. - Proven attention to detail and accuracy in data entry and other administrative tasks. - Computer skills including experience using Microsoft Office (Word, Excel, Outlook) or comparable software. - Ability to learn and use complex systems. - Ability to organize, prioritize, and manage multiple tasks with little supervision. - Demonstrated ability to establish effective working relationships with coworkers and customers. - Ability to communicate effectively both orally and in writing. - Knowledge of medical terminology, insurance billing, and claims coding. - Demonstrated strong problem-solving skills and ability to investigate and resolve complex issues. - Demonstrated ability to consistently meet productivity and quality standards with minimal support. - Experience with AI tools and technologies to enhance productivity and decision-making in professional settings highly desired. Requirements - Perform data input for all new stop loss cases and/or claims. - Enter all required fields to generate explanation of benefit forms and/or Stop Loss contracts and apply the appropriate fee schedule. - Run reports, review and analyze data, and identify any areas of concern. - Run data downloads and reporting. - Review data and prepare management reports. - Understand Stop-Loss policy language and terms. - May assist with travel and completing expense reports. Benefits - Medical, dental, and vision coverage for employees and their eligible family members, including mental health benefits. - Annual employer contribution to a health savings account. - Generous paid time off varying by role and tenure in addition to 10 company-paid holidays. - Market-leading retirement plan including a company match on employee 401(k) contributions, with a potential discretionary contribution based on company performance (no vesting period). - Up to 12 weeks of paid parental time off (eligibility requires 12 months of continuous service with Cambia immediately preceding leave). - Award-winning wellness programs that reward you for participation. - Employee Assistance Fund for those in need. - Commute and parking benefits.

• Manages and coordinates the activities for assigned Business Banking Underwriting department • Ensures quality service and effective support for all of the assigned internal and external customers • Accomplishes results through the effective management of staff that may range from lower level non-exempt through exempt level professionals • Administers corporate policies and procedures and ensures compliance with applicable laws and regulations • Conducts underwriting review process in a manner designed to minimize the bank’s risk while employing problem resolution techniques in approving loans • Provides support and training for all staff, including underwriting guidelines for underwriting staff