Senior Underwriter - Scottish Widows

We currently have an exciting opportunity for a Medical Underwriter within our Scottish Widows Protect Underwriting team. Scottish Widows Protect underwriting is a key risk process to support business growth and provide a comprehensive underwriting service for our customers. Making the right decisions for our protection customers is key to supporting our Protection strategy and business growth and providing a superior support service. Why Lloyds Banking Group We're on an exciting journey and there couldn't be a better time to join us. The investments we're making in our people, data, and technology are leading to innovative projects, fresh possibilities, and countless new ways for our people to work, learn, and thrive. What you'll need We'll need you to have previous medical underwriting experience in a Life and Disability Underwriting role, as you'll be responsible for the assessment of life and disability applications. You'll assess information from differing sources, such as GP medical reports, and information provided by applicants. It's a varied and interesting role, where you'll be making decisions on the best possible terms we can offer to our customers. Your strong written and oral communication skills will be paramount, to enable you to articulate the reasons behind your decisions to both customers and advisors. You'll need to show care and empathy when liaising with our customers, ensuring you're sensitive to their circumstances.

• Knowledge and experience of the Protection Market in a Life and Disability Medical Underwriter role.
• Understanding of medical terminology and ability to interpret medical information.
• Excellent written and oral communication skills to articulate reasons for decisions to our customers.
• Excellent relationship skills to liaise with Reinsurers, Chief Medical Officer, Intermediaries, and key partners.
• Excellent analytical skills.
• Ability for succinct and accurate records of underwriting summaries and decisions.
• Ability to take ownership of individual workload and ensure timely completion
  
  At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.
We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person. We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we're building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.

Our focus is to ensure we're inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We're committed to creating a consciously inclusive workplace where our colleagues can be themselves, thrive and perform at their best. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative. As an inclusive employer, we offer Workplace Adjustments for colleagues with a disability (which may include long-term health and neurodivergent conditions) where it is reasonable to do so. This could include flexibility with regards to office attendance, location, and working pattern. We are proud to be a Disability Confident Leader. If you have a disability, you can also apply via our Disability Confident Scheme (DCS). Through the DCS, we guarantee to interview a fair and proportionate number of applicants with a disability, whose application meets the minimum criteria for the advertised job role. We also provide adjustments that are reasonable throughout the recruitment process to reduce or remove barriers for applicants with a disability, long-term health condition or neurodivergent condition. If you'd like an adjustment to the recruitment process just let us know. We also offer a wide-ranging benefits package, which includes:
• A generous pension contribution of up to 15%
• An annual bonus award, subject to Group performance
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 28 days' holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies
Ready for a career where you can have a positive impact as you learn, grow and thrive?