Role Description At Navy Mutual, our mission is rooted in serving members of the uniformed services and their families with financial strength, integrity, and care. We are seeking a Director of Underwriting to lead and modernize our Underwriting and New Business functions—driving both operational excellence and a best-in-class member experience. This is a high-impact leadership role responsible for translating strategy into scalable, efficient operations while ensuring disciplined risk management, strong compliance, and sustained growth. What You’ll Do - Strategic Leadership & Execution - Develop and execute underwriting and new business strategies aligned to organizational goals, risk appetite, and service standards. - Translate enterprise strategy into disciplined, scalable, and measurable operating practices. - Lead transformation initiatives to modernize underwriting and new business processes. - Operational Excellence - Oversee end-to-end new business lifecycle: intake, underwriting, requirements, offers, reconsiderations, and policy activation. - Optimize workflows, case assignment, and throughput to improve cycle times, productivity, and consistency. - Establish and monitor service level agreements (SLAs) and performance standards. - Underwriting Leadership & Risk Management - Provide technical underwriting guidance on complex life insurance risks. - Ensure decisions are well-documented, compliant, and aligned with mortality expectations and reinsurance requirements. - Review and approve complex cases within authority and escalate as needed. - Transformation & Innovation - Lead adoption of automation, accelerated underwriting, and third-party data solutions. - Evaluate and implement digital tools and workflow enhancements to improve speed and accuracy. - Advance real-time decisioning capabilities and member experience improvements. - Performance & Analytics - Develop and monitor KPIs and KRIs, including: - Cycle time and throughput - Quality and post-issue audit results - Requirement aging and placement rates - Productivity and vendor performance - Identify trends, risks, and improvement opportunities; drive corrective action. - People Leadership - Lead, coach, and develop underwriting and new business teams, including managers and senior technical staff. - Drive performance management, workforce planning, succession planning, and talent development. - Foster a culture of accountability, continuous improvement, and high performance. - Cross-Functional Partnership - Collaborate with Sales, Inforce, Claims, Finance, Legal, Compliance, and Technology. - Partner with reinsurance carriers on complex cases and program optimization. - Ensure alignment across teams to deliver a seamless, member-first experience. - Governance & Compliance - Maintain underwriting guidelines, SOPs, audit readiness, and regulatory compliance. - Support escalations, member complaints, and risk-related reviews (e.g., rescissions, contestable claims). - Manage vendor relationships (e.g., medical exams, labs, data providers). Qualifications - Bachelor’s degree in a related field. - 8+ years of life insurance underwriting experience, including complex case review. - Proven leadership experience managing teams and/or senior technical professionals. - Deep understanding of: - Medical underwriting and terminology. - Mortality risk assessment. - Reinsurance practices. - Experience leading: - Process improvement and operational transformation. - Automation and accelerated underwriting initiatives. - KPI/KRI development and performance analytics. - Strong working knowledge of underwriting systems, workflow tools, and policy administration platforms. - Excellent communication, leadership, and stakeholder management skills. - Ability to operate effectively in a fast-paced, production-driven environment. Preferred Qualifications - Professional designations such as CLU, FLMI, ALU, or FALU. - Experience with vendor management and underwriting data providers. - Advanced proficiency in Microsoft Excel and reporting tools.

Role Description As a Junior Underwriter, Multi-Network, you assist with medical underwriting to provide sound management of life and health insurance risks. You analyze and assess risks and review life and health insurance applications. You serve as a technical collaborator and provide discipline-specific support for your unit’s activities, initiatives, and processes. The ability to tailor your approach as needed is therefore essential. You research and analyze processes, information management, and data processing. You draw on your sound decision-making skills to solve technical problems and help develop and improve methods and procedures. - Assist with medical underwriting to provide sound management of life and health insurance risks - Analyze and assess risks and review life and health insurance applications - Serve as technical collaborator and provide discipline-specific support for your unit’s activities, initiatives, and processes - Have the ability to tailor your approach to each scenario - Research and analyze processes, information management, and data processing - Use decision-making skills to solve technical problems and help develop and improve methods and procedures - Follow acceptable quality standards on your cases and meet productivity targets Qualifications - College diploma in a related field - A minimum of two years of relevant experience - Expert proficiency in English and in French due to the nature of the duties or work tools or because the position involves interactions with English speaking partners, members, and/or clients - Advanced intermediate individual/life underwriting experience - Advanced intermediate medical background - Decision quality, Situational adaptability, Tech savvy Requirements - Please note that other combinations of qualifications and relevant experience may be considered Benefits - Competitive salary and annual bonus - 4 weeks of flexible vacation starting in the first year - Defined benefit pension plan that provides predictable, stable income throughout retirement - Group insurance including telemedicine - Reimbursement of health and wellness expenses and telework equipment - Benefits apply based on eligibility criteria Company Description At Desjardins, we believe in equity, diversity, and inclusion. We're committed to welcoming, respecting, and valuing people for who they are as individuals, learning from their differences, embracing their uniqueness, and providing a positive workplace for all. At Desjardins, we have zero tolerance for discrimination of any kind. We believe our teams should reflect the diversity of the members, clients, and communities we serve. If there's something we can do to help make the recruitment process or the job you're applying for more accessible, let us know. We can provide accommodations at any stage in the recruitment process. Just ask!

• Own the LAD underwriting strategy, risk management and operations ensuring appropriate pricing, plan design and overall risk selection to drive profitable growth • Manage the entire lifecycle of the customer • Design and implement consistent underwriting strategies and practice • Invest in and develop the LAD Underwriting department to create a culture of high performance, accountability, and innovation across teams • Build a high-performing leadership bench, develop future underwriting talent, strengthen succession plans, and foster a culture of accountability, innovation and collaboration • Collaborate with sales to produce industry leading underwriting results that create a competitive advantage for The Standard • Monitor industry trends and integrate new technologies to improve underwriting accuracy and efficiency

• The Conventional Underwriter reviews, conditions and underwrites mortgage loans • Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. • Review all required loan data, reports, and inspections to ensure the collateral is acceptable to investor and the company. • Provides final approval underwriting of mortgage loans.