• Analyze medical, personal and financial information to assess the overall risk to the organization in accordance with applicable standards and practices • In the event of non-standard decisions, negotiate with reinsurers to find solutions to obtain the best possible decision for our members, clients and partners • Communicate in writing or by phone with stakeholders • Help develop operational processes and modifications to the sector's computer systems • Make decisions and be able to justify them to members, clients and partners.

• Define and execute underwriting strategy aligned with company risk appetite and growth goals • Establish clear underwriting frameworks, guidelines, and authority structures • Lead and develop the underwriting team to ensure consistent, high-quality decision-making • Manage, mentor, and scale a team of underwriters • Set performance expectations, KPIs, and accountability standards • Foster a culture of discipline, collaboration, and continuous improvement • Own portfolio performance, including loss ratio, exposure, and concentration risk • Monitor trends and adjust underwriting strategy based on performance and market conditions • Actively manage catastrophe exposure, including wildfire and other perils • Ensure alignment between underwriting decisions and pricing models • Partner with actuarial and data teams to refine segmentation and risk selection • Maintain balance between growth targets and profitability • Drive adoption of data-driven underwriting tools, models, and risk scores • Collaborate with data science teams to improve model performance and usability • Ensure underwriting decisions are informed by robust analytics and insights • Partner with reinsurance to align underwriting strategy with risk transfer programs • Ensure portfolio construction reflects reinsurance structures and constraints • Support optimization of retention and exposure • Ensure underwriting practices meet regulatory requirements and internal controls • Maintain clear documentation, auditability, and consistency • Support regulatory interactions and internal reviews • Collaborate with claims, finance, and revenue teams to align on performance and strategy • Provide insights into loss drivers and emerging risks • Serve as a key advisor to executive leadership on portfolio risk and growth

• Communicate and collaborate with sales and head office colleagues • Conduct risk assessment and classification by Manulife's philosophy and standards • Maintain positive and effective relationships with internal and external partners • Consistently deliver the best customer experience • Align with consumer laws and regulations regarding risk classification, confidentiality and disclosure • Identify and propose solutions to problems and procedures related to the underwriter's work

• Provide analytical and operational support to Caremark Underwriting leadership • Investigate drivers of change in pricing and forecasting outputs • Identify root causes of anomalies • Coordinate with internal stakeholders to obtain clarifications, data sources, and supporting documentation • Respond to a broad range of ad hoc requests by gathering facts, performing targeted analyses, and producing clear, concise readouts for leadership and business partners • Perform diagnostic reviews to explain changes in results across pricing and forecasting tools/models • Partner with stakeholders across the underwriting ecosystem • Build and maintain “side” analyses (primarily in Excel) • Work with structured datasets and support extraction/validation of inputs and outputs using relational data concepts and SQL • Maintain organized notes, assumptions, and reference materials