• 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

• Performs department support and customer service functions, including project-related tasks, data analysis and compilation, application processing, imaging, research, problem resolution, quality assurance, and customer support. • Assists Sr Analyst and Manager with department workload and responsibilities. • Performs daily research and analysis of data discrepancies on underwriting applications and/or post-issue policies. • Communicates with external/internal parties involved in billing activities, application, and policy administration. • Handles internal and external client requests and escalates as appropriate. • Conducts internal audits to ensure departmental quality and compliance. • Supports and monitors EFAC processes and resolves client transmission errors. • Participates and leads training and process efficiencies related activities for Support Services Team. • Assists with updates to the Support Services Manual. • Collaborates with management team in complex special projects related to ceded business.

• Evaluate applications within assigned authority by analyzing medical, financial, and lifestyle risk factors to determine acceptability and appropriate classification • Exercise sound judgment to identify potential fraud and ensure compliance with underwriting guidelines • Make timely and accurate decisions while balancing risk selection, competitiveness, and customer experience • Recommend decisions and provide clear rationale on cases outside authority or of higher complexity • Order only necessary and appropriate requirements to efficiently assess risk • Manage workload to consistently meet or exceed productivity and quality expectations • Approve applications up to established authority limits (e.g., up to $3M all ages and ratings) • Collaborate with reinsurers as needed for rated cases • Build and maintain strong relationships with brokers, advisors, and internal partners • Communicate underwriting decisions clearly, professionally, and empathetically to foster trust and encourage future business • Identify opportunities to improve underwriting processes and enhance the customer experience • Contribute to departmental initiatives and special projects as directed • Provide insights and solutions to management regarding team, workflow, or operational challenges