Medical Risk Consultant

Life Insurance Signature / Authority Limits
Builds relationships with Financial Advisors and internal partners. Develops the skills necessary to successfully underwrite Life, Disability, and/or Long-term Care insurance policies in an inclusive and fast-paced environment ensuring all quality, service and production goals are met.
Field & Client Experience.
~​Responsible for credible and effective relations and communication with field and customer to include responding to case appeals/inquiries and assists with placing business.
~ Provides guidance and assistance to the Northwestern Mutual Financial Network and Financial Representatives regarding case underwriting and risk appraisal.
~ Responsible for the analysis and appraisal of a broad range of insurance applications; approves, classifies, or declines applications for various ages and policy amounts with occasional guidance, as needed.​
Uses advanced skills to review applications and adheres to underwriting standards.​
Underwrites applications, maintaining industry-leading mortality and morbidity giving the best possible offer that can be made.
Provides active case and requirement management and provides customized service with guidance.
Demonstrates advanced ability to communicate & negotiate with Field Partners to explain modified or declined decisions & assist in policy placement.
Provides advanced financial, medical, and lay underwriting assessments and offers innovative solutions to keep Northwestern Mutual as the choice of our customers.
Collaborates with medical directors and technical staff.
Responsible for adherence to procedures and regulatory processes​.
Understands and meets all quality, service, and production goals​.
Partners with Underwriting Support for case management.
Subject matter expert in product process w/collaboration w/functional partners and participates in projects and department initiatives.
A bachelor's degree preferred or demonstrated consistent success in prior Underwriting role as evidence by satisfactory case management and quality review.
Analytical skills with an established record to make independent decisions on complex cases and apply sound judgment in the application of rules.
Excellent written and oral communication skills with the ability to handle confidential information, exercise tact, diplomacy, and resourcefulness.
Proficient in computer skills and using various software packages.
Demonstrated strong leadership skills and a high degree of self-motivation and initiative to lead projects or committees.
LI-Remote or LI-Hybrid
142,350.00 Geographic Specific Pay Structure:
Structure 110:
$84,350.00 USD - $156,650.00 USD Structure 115:
$The standard pay structure is listed but if you’re living in California, New York City or other eligible location, geographic specific pay structures, compensation and benefits could be applicable, click here to learn more.
Northwestern Mutual is an equal opportunity employer who welcomes and encourages diversity in the workforce. We are committed to creating and maintaining an environment in which each employee can contribute creative ideas, seek challenges, assume leadership and continue to focus on meeting and exceeding business and personal objectives.
Skills Change Adaptability (NM) - Advanced, Information Optimization (NM) - Advanced, Customer Support (NM) - Advanced, Underwriting Ecosystem (NM) - Advanced, Customer Centricity (NM) - Intermediate, Insurance Acumen (NM) - Advanced, Technology Adaptation (NM) - Advanced (Inactive), Information Gathering (NM) - Advanced, Attention to Detail (NM) - Advanced, Training, Educating & Awareness (NM) - Intermediate, Adaptive Communication (NM) - Advanced, Consulting (NM) - Advanced, Data Application (NM) - Advanced, Decision Making (NM) - Advanced, Negotiation & Managing Objection (NM) - Advanced, Mortality, Morbidity, & Risk Analysis (NM) - Advanced, Learning Agility (NM) - Advanced (Inactive), Underwriting Practices (NM) - Advanced, Reasoning (NM) - Advanced
Flexible work schedules
Concierge service
Underwriting Consultant, Location: Remote working/work at home options are available for this role.