Claims Underwriter

Job DescriptionClaims UnderwriterGlasgow (hybrid)9-12 Month FTCCompetitive SalaryIn this role you will underwrite Income Protection and Critical Illness claims and carry out reviews of these claims. Gathering appropriate evidence and medically assessing information to accept or decline claims which will require applying sound judgement and reasoning, assessing all available information and providing recommendations based on the facts of the case, the appropriate terms and conditions associated with the product and always ensuring we achieve Good Customer Outcomes throughout the process.You will demonstrate a strong communication skill, actively engaging with medical professionals, 3rd parties, and other appropriate stakeholders to support claims assessments.Engaging and dealing with key stakeholders, peers and colleagues right across the organisation.To support the organisation with forward thinking, evolving in line with the marketplace we operate in and continually seeking to deliver a market leading delivery, embracing new technology and thinking.Responsibilities:Extensive knowledge on the full claim process, customer journey, variety of claim events and policy conditionsA deep understanding of industry and customer expectations of protection products, applying this knowledge to continually improve work practices and toolsEnsuring Good Customer Outcomes are achieved throughout the claims process.Gather and assess background information, including reports and medical records from specialists where appropriate, in order to effectively assess the risk involvedKeep detailed and accurate records of policies underwritten and decisions madeEnsure service processes and products are continually maintained or improved in line with Consumer DutyBackground:Experience as a claim assessor in Critical Illness and Income Protections claims within Financial ServicesExperience in handling complex and sensitive claimsStrong medical knowledge to support the assessment of claimsStrong written communication skills to support accurate customer communication and summarising of case notesExperience in communicating with reinsurers and medical officersEye for detail and numeracy to make calculated and informed decisionsAbility to anticipate & resolve problems & prioritise workload effectivelyUnderstanding of ABI guidelines for misrepresentation & Treating Customers fairly. The ability to apply this approach to ensure correct claim outcomesComprehensive knowledge of financial calculations to support claim payments including awareness of state benefitsConfident decision-making skillsProblem-solving skills and a logical approach to workThe ability to work to tight deadlinesThe ability to plan and manage your time and to work on a number of projects concurrentlyTeamworking skills but also a willingness to work using your own initiative.
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