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.

• Responsible for underwriting new and renewal business within an assigned block • Use rating manual, experience module and clinical expertise to create pricing that drives P/L, renewal metrics and new business sales for assigned block • Collaborate with Sales, Underwriting and Clinical to develop and implement pricing actions that will help HMIG meet financial targets • Train, coach and provide experiences to lower level staff with the purpose of expanding consultative best practices throughout the department • Utilize client and market knowledge to expand/enhanced Underwriting Guidelines, processes and tools by incorporating best practices • Monitor overall block performance and report on emerging financial trends • Develop strategies and tactics to move case level and block results to meet targets • Act as subject matter expert to support Sales' negotiations to renew existing clients and enroll new business