AVP, Underwriting Consultant - Large Case

SCOR•Charlotte, NC

5d•Hybrid

About The Position

The AVP, Underwriting Consultant - Large Case develops and maintains strong relationships with SCOR carrier clients, particularly large case and concierge teams. The role provides underwriting consultation and guidance, communicates underwriting decisions, responds to inquiries, and applies sound judgment. It also develops underwriting strategies and alternative solutions for challenging risks and contributes to internal projects and guideline development. The position applies sophisticated underwriting procedures to complex medical and large-case financial risks for facultative clients. It works with client underwriters and company management, explains the rationale behind underwriting decisions, and contributes to consistent underwriting approaches for high-net-worth and business insurance cases. The role requires current knowledge of medical topics, financial documentation and business conditions, as well as evolving financial evaluation concepts, measures, data sources, and their use in case underwriting. The consultant works effectively with limited supervision, supports underwriting and client knowledge through project work, and remains proactive in client communication. The role includes work on SOLEM guidance and underwriting data review and analysis, effective use of SCOR Global Life Americas retention and retrocession schedules, and a willingness to use AI tools and digital solutions to improve underwriting efficiency, accuracy, and decision-making. Other duties may be required. This position follows a hybrid arrangement: employees work three days per week in an office and may work remotely two days per week. U.S. relocation assistance is available. Candidates must be authorized to work in the U.S. without current or future employer sponsorship. The stated base salary range for roles performed in Charlotte and Kansas City is $136,500–$185,000 per year; actual salary may vary. Other compensation may include annual bonuses and short- and long-term incentives.

Requirements

Bachelor's degree or equivalent work experience.
At least 10 years of current, active life underwriting experience; the posting specifies a range of 10–15 years.
Minimum $10,000,000 case approval authority for the past three years, across all ages and ratings.
Currently handle a regular new business caseload.
Ability to read and interpret EKGs, including distinguishing normal from abnormal tracings and applying normal results to applicant history.
Excellent oral and written communication skills.
Demonstrated successful track record working with field forces and/or sales representatives and client company underwriters.
Demonstrated meaningful progress toward completing the LOMA and ALU education program.
Ability to work effectively with all levels within SGLA.
Ability to adapt routinely to change and support underwriting-unit and company goals through teamwork and additional hours as required.
PC literacy in Microsoft products and underwriting systems.
Basic knowledge of AI concepts and commitment to using internal AI underwriting tools in risk assessment.
Established knowledge and history of underwriting jumbo risks, including managing capacity and retention schedules.
Valid authorization to work in the U.S. without the need for employer sponsorship now or in the future.

Nice To Haves

FMLI designation.
FALU designation.
Experience with financial underwriting for estate planning, business insurance, premium financing, foreign national risk, and high-net-worth markets.

Responsibilities

Develop and maintain strong relationships with SCOR carrier clients, particularly large case and concierge teams.
Provide underwriting consultation and guidance, communicate underwriting decisions, respond to inquiries, and exercise sound judgment.
Apply sophisticated underwriting procedures to complex medical and large-case financial risks for facultative clients.
Obtain specialized or supplementary information from clients and develop alternative solutions when routine methods are not effective.
Explain the rationale and theory behind underwriting impairments, financial challenges, and decisions to client underwriters and company management.
Keep current with medical topics, financial documentation, the business environment, and changing financial evaluation concepts, measures, and data sources.
Contribute to underwriting approaches for high-net-worth and business insurance cases while ensuring consistency.
Understand and implement SCOR Global Life Americas retention and retrocession schedules.
Complete project work to enhance SCOR's underwriting and client knowledge, respond to client requests, and communicate proactively with clients.
Use AI tools and technologies in daily underwriting processes and case reviews, seeking opportunities to improve efficiency, accuracy, and decision-making.
Work on SOLEM guidance and conduct underwriting data review and analysis to manage complex underwriting and business challenges.
Work professionally and effectively as part of a team with limited supervision, supporting continuous growth and the goals of the underwriting unit and company.
Perform other duties as required for the position.

Benefits

Medical, vision, and dental coverage.
401(k) plan with a competitive match.
Company-funded defined contribution retirement program.
Life and AD&D insurance.
Long- and short-term disability coverage.
Flexible parental leave.
Unlimited sick days.
Volunteer time.
Summer Fridays.
Learning and development resources.
Personal wellness tools and rewards.
Competitively priced gym memberships through a nationwide network of gym brands and local fitness studios.
Annual bonuses and short- and long-term incentives may be available.
Paid holidays and paid time off.
Relocation assistance within the U.S.