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The role of Underwriter is to efficiently underwrite risk business for Cigna within the established framework, within Cigna’s agreed underwriting philosophy, the company’s strategic plan for profit and balance risk with commercial decision making.
This role contributes to the strategic direction of the company as a fully participating member of the Underwriting Team.
In achieving this purpose, Cigna’s competitive position in the market place and reputation is enhanced therefore contributing to our overall growth.
This role will also have a higher level of engagement with the sales teams, both broker and tele-sales, and will require to be either based in our call centre working closely with the telesales teams, visiting with brokers and clients, or working from home independently.
Job Responsibilities :
To assess risk applications accurately and consistently within agreed service levels, underwriting guidelines and underwriting authority thereby minimizing unfavorable exposure;
Make commercial underwriting decisions balancing risk assessment with business growth;
Within Cigna’s underwriting philosophy obtain appropriate medical information to ensure accurate assessment of a risk;
To develop and maintain detailed product knowledge, technical underwriting knowledge and expertise. This will involve attending industry seminars, courses and workshops, obtaining and reading relevant literature, liaising with local networks and international peers and furthering education;
To maintain current knowledge of regulatory guidelines and to ensure compliance;
To maintain a high quality of effective and pro-active communication with key sales contacts and customers ensuring the smooth and correct flow of business;
To contribute to an efficient and effective underwriting service by seeking and providing assistance to the team whenever required;
To contribute to partner and customer satisfaction by personally answering the telephone and mail enquiries in a prompt, accurate, appropriate and courteous manner;
To participate in relevant project work as when required by the Manager.
Job Requirements :
Degree holder with a minimum 5 years’ medical underwriting experience
Experience in leading and managing teams will be an advantage
Strong business sense and flexible in underwriting
Excellent communication / interpersonal / telephone skills
Ability to develop and maintain excellent relationships with both internal and external customers
Strong time management and prioritisation skills
Problem solving and resolution skills
Advanced negotiation and influencing skills
Enthusiastic with a positive attitude
Strong critical thinking and analytical skills
Qualified applicants will be considered for employment without regard to age, race, color, religion, national origin, sex, sexual orientation, gender identity, disability, veteran status.