Qualification: • Degree holder preferably in medical (Medical Doctor) related discipline. Prior experience in life insurance industry, the medical field, underwriting or claims is preferred. • Excellent, more in-depth knowledge of medical impairments (interplay must be clearly understood), non-medical aspects such as financial, avocational, occupational, geographical/political risks and their impact on mortality/morbidity. • Excellent knowledge of insurable interest and financial underwriting principles. • Excellent communication skills, written and verbal. • Ability to influence and negotiate with both agents and clients. • Excellent decision making skills, able to rationalize the whole risk and come up with the proper decision based on the merits. • Comprehensive superior product knowledge. • A sound knowledge of the various business structures, the company accounts including balance sheet, profit and loss accounts. • Able to make a basic analysis of financial evidence such as tax returns, company accounts and arrive at a decision. • Fully understand the types of business insurance needs and the basis to financially underwrite risks. • Ability and skill to underwrite large amount cases including High Net Worth (HNW) products. • Ability to analyze business accounts and intelligently apply the information to the assessment of the financial risk. • Computer literate in MS Word, Excel and PowerPoint • Ability to give professional presentations to groups of agents on various underwriting topics. • Analyzes all factors, recognized the business importance and provides an opinion that both rationalizes the mortality/morbidity results and meets expectations for competitive UW decisions. • Empathizes with clients and provides a creative solution. • Investigates problems and works with the Underwriters to improve communication skills.