Bilingual Underwriting Associate

Job Summary Provides expertise and guidance for the development and enforcement of organizational underwriting guidelines, policies and processes. Applies basic theories, skills, and practices to accomplish assignments. Job Description What is the opportunity? This position is responsible for developing the skills necessary to assess morbidity through a comprehensive risk evaluation process comprised of health, financial, lifestyle, occupation and personal history within pre-determined authority levels. The incumbent would be in a full production environment. The process is aligned with product pricing, with the mandate of acquiring and maintaining profitable business. Strategic priorities encompassed within the role include high quality client service and robust risk assessment. What will you do? • Provide superior client-focused underwriting service which balances sales objectives within risk tolerance and profitability objectives that contributes positively to persistency and reputation in the marketplace • Ensure competitive underwriting recommendations are consistently made on a timely basis to RBC clients in order to place business that is consistent with RBC pricing and profitability objectives • Seek new opportunities to reduce new business acquisition costs by reducing department wastage through increased modified offers, reconsiderations and offer additional products on declines, postpone and rated policies • Ensure audit results are within acceptable ranges • Maintain quality of underwriting decisions in all areas of UW as determined through audits by management, GRM, Internal Audit and Reinsurers What will you need to succeed? Must have: • University degree in Life or Health Sciences, related industry courses and/or designations, and educational credentials • ALU 101 and/or medical knowledge • Fluently bilingual in both English and French with excellent written and spoken skills • Synthesize complex or diverse information, collect and research data, use intuition and experience to complement data • Gather and analyze information skillfully • Contribute to building a positive team spirit • Demonstrate persistence and overcome obstacles; measure self against standard of excellence as well as motivating others • Look for ways to improve and promote quality, apply feedback to improve performance, and monitor own work to ensure quality Nice to have: • Working knowledge encompassing the underwriting risk evaluation of Disability and Critical Illness insurance products Special Conditions Please note you must be fluently bilingual in bo th French and English to apply. Only applicants fluent in both languages will be considered for this position. The successful candidate will have the ability to work out of any province. What's in it for you? • A Total Rewards program that includes flexible benefits, work/life balance and career development programs and investment and retirement savings plans • Competitive pay and high-earning potential • All the tools, training, and team support you need to grow your career • Flexible work/life balance options • Sophisticated RBCI software tools to boost your productivity Job Skills