You will** + Recognize and obtain requirements necessary in evaluating risks, consistently using the global approach (a "broadened view" of the entire case to forecast all needs and requirements at onset) to underwriting + Proficiently evaluate more complex medical, financial, non-medical information with little to no manager involvement, and review prior files as developed, to determine the risk classification according to company guidelines, + Communicate and/or negotiate with the field force and home office personnel for the purpose of acquiring necessary information, solving problems, and conveying decisions in a polite, confident, and professional manner + Consult with Medical Director and Mentors and/or senior underwriting staff for the purpose of resolving complex medical and non-medical histories + Interpret underwriting policy and implement established guidelines, department procedures, and compliance directives + Explain Guardian product information, risk classification, and underwriting action to peers and field force + Collaborate with peer underwriting staff, support personnel, and adjacent departments to facilitate the entire selection, issue, and administrative process + Negotiate underwriting appeals with minimal management involvement when collaborating with general agents, agents, and agency personnel + Review, interpret and record Medical Information Bureau codes in accordance with established MIB guidelines + Communicate actions with our proposed policyholders + Participate in on-going training and development offerings to enhance customer service and underwriting, in support of a high-performance culture **You have** + Bachelor's degree and industry related education (i.e., LOMA, ALU, CLU) desired + Individual Disability Underwriting experience desired + Knowledge of individual disability insurance products/processes + Working medical knowledge (i.e., Medical Terminology, Anatomy and Physiology, and Medical Conditions) + Working financial knowledge (i.e., Personal and Business Tax Returns, Profit & Loss Statements + General computer proficiency required + Excellent analytical skills; written and oral communication skills and negotiation skills + Exceptional decision-making skills and organizational and time management skills **Salary Range:** $68,970.00 - $113,310.00 The salary range reflected above is a good faith estimate of base pay for the primary location of the position. This preliminary screening may be used to help identify applicant materials and resumes relative to their indication that the applicant meets the requirements for the specific job for which they are applying, as specified in the listing posted on Guardian's jobs website (Careers at Guardian at https://www.guardianlife.com/careers