BUSINESS UNIT: GUARDIAN GENERAL INSURANCE LIMITED
LOCATION: SAN FERNANDO
JOB TITLE: UNDERWRITING CO-ORDINATOR
REPORTS TO: TEAM LEADER, BRANCH OFFICE- SAN FERNANDO
UNDERWRITING


JOB OBJECTIVE:
The Coordinator, provides support to the Team Leader/Manager in monitoring and managing the Underwriters within the Department while also analyzing risk exposures and conducting portfolio analysis on behalf of the Department.

MAJOR RESPONSIBILITIES:
Prepare Quotations for New Business, conduct Renewal Reviews and apply Renewal Amendments when required for assigned accounts. Conduct due diligence for assigned accounts and ensure adherence to compliance procedures by underwriters. Provide 1st level technical support on all underwriting matters and manage the equitable re-distribution of work amongst underwriters when there are multiple requests from producers. Review and discuss Renewals with all Stakeholders to achieve retention target. Conduct analyses on portfolios to monitor performance and Loss Ratios on assigned accounts and line of business; take corrective actions and where necessary refer to Team Leader. Monitor receivables of outstanding premiums on assigned client’s accounts. Provide high levels of Red Carpet Customer Service to all Stakeholders.

QUALIFICATIONS:
5 C.X.C./ CAPE passes including Mathematics and English Language 2 A Level/ CAPE passes CII- Diploma Level

EXPERIENCE:
3 - 5 years working experience with at least 1 year in a similar position

KEY COMPETENCIES:
Work Ethic Quality Growth Serving People Motivation/Empowerment Planning/Organising/Flexibility Problem Solving/Analytical Skills Decision Making/ Risk Taking Job Knowledge/Skills Interpersonal/Communication Skills

PERSONALITY:
The Coordinator must possess good supervisory skills and must pay keen attention to detail. He/ She must have a positive work ethic and be customer service oriented with strong business acumen. He/ she must have good mentoring and administrative abilities to operate and contribute positively in a team-based environment. Take initiative; as evidenced by the ability to self-manage, organize and prioritize work.


CONTACT via Email: Giselle Mejias-James

BUSINESS UNIT: GUARDIAN LIFE OF THE CARIBBEAN LIMITED
LOCATION: WESTMOORINGS,
JOB TITLE: JUNIOR UNDERWRITER
REPORTS TO: TEAM LEADER- HEALTH UNDERWRITING
INSURANCE OPERATIONS


JOB OBJECTIVE:
The Junior Underwriter is responsible for the profitable underwriting of the Group Health and Life; Individual Health; Personal Accident; and Trip Travel Portfolios based upon agreed limits and guidelines.

MAJOR RESPONSIBILITIES:
Prepare and dispatch Group Health and Life; Personal Accident; Trip Travel quotations within specified limits. Review and approve health applications and declarations of insurability (DOIs) within delegated authorities based on guidelines given and liaise with Medical Consultant as required. Prepare Group Health Renewals within specified limits. Handle queries from Individual Walk-In Customers and also Telephone and email queries. Prepare reports as required. Instruct SQC on Plan set up for new group Policies, or Policy changes on the system. Ensure that the correct group health rates are updated on PCM in accordance with renewal terms. To perform any other job- related duties assigned by Manager or Vice President

QUALIFICATIONS:
5 CXC/ CSEC (At least Grade II) passes including Mathematics and English Language 3 A Level/ CAPE (At least Grade B) subjects LOMA 280, 290, ACS 100 and all related parts

EXPERIENCE:
2 years experience in the pricing of Group Health and Life insurance or in the Financial Services Industry At least 1 years experience in the underwriting (risk selection) of Medical and Life insurance

KEY COMPETENCIES:
Work Ethic Growth Quality Serving People Problem Solving / Analytical Skills Interpersonal Communication Skills Initiative Decision Making / Risk Taking Continuous Improvement Job Knowledge / Skills

PERSONALITY:
The Junior Underwriter must possess strong analytical, communication, organizational, interpersonal and negotiations skills. He/she must be honest, reliable, dependable and dedicated. The incumbent must be able to multitask and be customer oriented. He/ She must also be able to work independently with minimal supervision.


CONTACT via Email: Giselle Mejias-James

BUSINESS UNIT: GUARDIAN LIFE OF THE CARIBBEAN LIMITED
LOCATION: WESTMOORINGS
JOB TITLE: HEALTH CLAIMS ADJUDICATOR
REPORTS TO: TEAM LEADER- GROUP INSURANCE HEALTH CLAIMS
INSURANCE OPERATIONS


JOB OBJECTIVE:
The Health Claims Adjudicator ensures prompt and accurate claims settlement, support for claims administration and to provide efficient and effective back office support to customer service for satisfaction of both internal and external clients on a timely basis

MAJOR RESPONSIBILITIES:
Processing of Local, Regional and Overseas claims within the authorized limits on the company health claims processing database and in accordance with company and performance standards. This is inclusive of the determination of the client eligibility for coordination; reviewing of the claim forms in detail to ensure that all provided information is complete and accurate. Processing of Pre-Certification requests from Provider and Clients. Identify process improvements and offer solutions to claim denials, resubmissions and other related processes. Support Customer Service Representatives/Claims Support Staff by assisting with simple queries and other customer concerns. To perform any other job related duties as assigned by the Team Leader/ Manage

QUALIFICATIONS:
5 CXC/CSEC Passes including Mathematics and English Language. 2 A Level/ CAPE passes LOMA 280, 290, ACS 100 and all related parts. Pursuing the ALHC Designation

EXPERIENCE:
2 years experience in Health Insurance Administration.

KEY COMPETENCIES:
Work Ethic Quality Growth Serving People Planning, Organizing & Flexibility Team Orientation Continuous Improvement Initiative Interpersonal and Communication Skills Job Knowledge/ Skills

PERSONALITY:
The Health Claims Adjudicator must be detailed oriented. He/ She must have the ability to establish and maintain good relations with customers. The incumbent must possess excellent communication and organizational skills and must be flexible


CONTACT via Email: Giselle Mejias-James

BUSINESS UNIT: GUARDIAN GENERAL INSURANCE LIMITED
LOCATION: NEWTOWN CENTRE
JOB TITLE: UNDERWRITER 11
REPORTS TO: TEAM LEADER, COMMERCIAL LINES
UNDERWRITING


JOB OBJECTIVE:
The Underwriter is responsible for analyzing risk exposures and evaluating the most prudent terms to apply for New Business Acquisitions, Renewals and mid-year amendments for various insurance products.

MAJOR RESPONSIBILITIES:
Prepare Quotations for New Business, conduct Renewal Reviews and apply Renewals Amendments when required. Review underwriting transactions by binding brokers to ensure accuracy and compliance with GGIL’s underwriting guidelines, standard operating procedures and limits of authority. Conduct due diligence for assigned accounts through background research on clients and their risk to be covered. Conduct portfolio analyses for assigned accounts to monitor performance and loss ratios and recommend corrective action. Review and discuss Renewal listing with all Stakeholders to achieve retention target. Follow up on outstanding premiums on assigned client’s/producer’s accounts. Prepare monthly reports to Team Leader with performance recommendations. Provide high levels of Red Carpet Customer Service to all stakeholders.

QUALIFICATIONS:
First Degree in Sciences from a recognized tertiary level educational institution. 5 CXC/ CAPE passes including Mathematics and English Language. 2 A Level/ CAPE passes CII- Certificate Level

EXPERIENCE:
2 - 3 years working experience with at least one (1) year in a General Insurance environment.

KEY COMPETENCIES:
Work Ethic Quality Growth Serving People Job Knowledge/ Skills Planning/Organizing/Flexibility Problem Solving/Analytical Skills Decision Making/ Risk Taking Team Orientation Interpersonal/Communication Skills

PERSONALITY:
An Underwriter must possess strong analytical skills and pay close attention to detail. He/ She must have a positive work ethic, keen sense of customer service and good business acumen. He/ she must have the ability to operate and contribute positively in a team-based environment and take initiative; as evidenced by the ability to self-manage, organize and prioritize work.


CONTACT via Email: Giselle Mejias-James

BUSINESS UNIT: GUARDIAN LIFE OF THE CARIBBEAN LIMITED
LOCATION: WESTMOORINGS
JOB TITLE: SENIOR UNDERWRITER
REPORTS TO: MANAGER- CLIENT ACQUISITION
CLIENT ACQUISITION


JOB OBJECTIVE:
The Senior Underwriter reviews and assesses applications for life insurance, based on agreed upon limits in accordance with set company guidelines, as well as providing support to the Client Acquisition Manager supervising other Underwriters and support staff and ensuring the Department functions in an efficient manner meeting its productivity targets.

MAJOR RESPONSIBILITIES:
Underwrite applications for individual life insurance within specified time period, discussing problem cases with Chief Underwriter / Reinsurers. Review underwriting decisions on cases above underwriters limits and ensure that all guidelines have been adhered to. Ensure that underwriting error rate within specified limits is maintained. Ensure that the department achieves customer satisfaction level within specified limits. Respond to queries within specified time period. Provide feedback to parties when it is impossible to meet this standard Manage complaints from agents with respect to underwriting performance. Provide reports in order to support business intelligence needs Maintain and update codes in systems relative to underwriting functions Work with Business Analyst to establish procedures Lead, mentor, train and motivate

QUALIFICATIONS:
First Degree from a recognized tertiary level educational institution. ACS designation. FLMI Designation, FALU certification, UND 386

EXPERIENCE:
7 years Underwriting experience with at least three (3) years in a Supervisory capacity. Sound knowledge of all Company products.

KEY COMPETENCIES:
Work Ethic Quality Growth Serving People Motivation/Empowerment Planning/Organizing/Flexibility Leadership/ Vision Job Knowledge/ Skills Decision Making/ Risk Taking Interpersonal Communication Skills Problem Solving / Analytical Skills Initiative

PERSONALITY:
The Senior Underwriter must be self-motivated and vibrant. He/ She must be able to demonstrate the ability to use initiative and should possess the ability to work under stress. The Senior Underwriter must be able to effectively delegate tasks, motivate and empower staff to perform under stressful conditions. The Senior Underwriter must possess very good communication and interpersonal skills.


CONTACT via Email: Giselle Mejias-James

BUSINESS UNIT: GUARDIAN ASSET MANAGEMENT
LOCATION: WESTMOORINGS
JOB TITLE: INVESTMENT ADVISOR
REPORTS TO: MANAGER- SALES
GAM INVESTMENTS


JOB OBJECTIVE:
The Investment Advisor acquires, develops and maintains an affluent client base for the company, utilizing its suite of Mutual Funds as well as upselling its Private Wealth offering where possible. He/She offers basic financial and investment advice, demonstrated by a thorough understanding of the companys products and services.

MAJOR RESPONSIBILITIES:
Generate business through acquisition of new clients Increase assets under management of existing clients through sale of additional products Daily Sales activities - prospecting, client meetings etc., update Pipeline Keep abreast of competitor and market information Keep clients abreast of GAMISLs new product offerings Assist clients with selection of investment options. Keep clients abreast of their investment performance Facilitate yearly portfolio allocation sessions with clients Conduct client education seminars Assist the Manager - Sales with defining, segmenting and targeting of GAMISLs Market Generate referrals, develop Centers of Influence (COIs) Ensuring that clients information is regularly updated to meet Compliance guidelines

QUALIFICATIONS:
A First Degree from a recognized tertiary educational institution preferably in Finance or finance related

EXPERIENCE:
At least two (2) years working experience in the financial services environment. At least two (2) years sales experience in a similar capacity with a proven track record of developing financial customers.

KEY COMPETENCIES:
Integrity Growth Quality Serving People Planning/Organizing/Flexibility Interpersonal and Communication Skills Problem Solving/Analytical Skills Decision Making/Risk Taking Initiative Job Knowledge/Skills

PERSONALITY:
The Investment Advisor (IA) will be extremely professional, articulate, knowledgeable, self-motivated, confident and driven to succeed in a competitive environment. He/She must demonstrate integrity and trustworthiness, have superior listening skills, have a forward thinking approach and be able to function independently. The IA must also be comfortable working as part of a team when required to do so.


CONTACT via Email: Abena Guy