**Work Location:** Markham, Ontario, Canada **Hours:** 37.5 **Line of Business:** TD Insurance **Pay Details:** $108,800 - $163,200 CAD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. **Job Description:** **Who we are:** TD Insruance, is one of Canada's largest financial institutions and part of TD Bank Group, helps protect clients with a range of insurance products including: **Life & Health, Credit Protection, Travel, Home, and Auto Insurance.** **The Opportunity:** As **Senior Underwriter, Life & Health** , you will play a key role in supporting the **term life and credit protection business** . Reporting to the AVP, Product Underwriting and Governance & Control, you will: • Evaluate **facultative risk referrals** with sound underwriting judgment. • Deliver timely decisions while ensuring **SLAs** and client service standards are met. • Provide counseling and expertise to the underwriting team to ensure **quality and consistency** . • Manage case backlogs effectively and work collaboratively with **third-party vendors** such as Dynacare and ExamOne. • Drive the highest quality of service delivery while maintaining **strong governance practices** . • Assume a strategic mindset with the motivation and attitude to take **on longer-term strategic responsibilities.** This role is ideal for candidates eager to work in an **entrepreneurial environment** and who have the communication skills and confidence to engage daily with **senior-level executives and colleagues** . The successful candidate will play a critical role in raising the profile of TD Insurance’s service offering in Canada while supporting its corporate objectives. **What You Bring:** • Extensive experience **in life and health underwriting** (term life and credit protection products preferred). • Proven ability to deliver timely, high-quality underwriting decisions. • Strong organizational skills to manage case backlogs and meet critical deadlines. • Excellent communication skills with the confidence to collaborate with senior executives, colleagues, and external vendors. • Strategic mindset with a drive to contribute to long-term corporate objectives. • Demonstrated ability to work in a dynamic, fast-paced environment while upholding governance standards. **Key Responsibilities** : • Conduct **risk assessments and classifications** in line with TD Insurance Life & Health and Credit Protection philosophy and standards. • Provide **sound underwriting judgment** on facultative cases, with approval authority up to **$10 million.** • Manage all aspects of the **underwriting process** efficiently and effectively. • Offer leadership, mentorship, and training resources to underwriters at all levels, including feedback on team performance and career development plans. • Communicate with clients and collaborate **with head office colleagues** to ensure the **highest quality of service.** • Maintain strong, effective relationships with **internal and external partners** . • Serve as a team liaison with other departments to foster collaboration. • Ensure compliance with consumer laws and regulations regarding **risk classification, confidentiality, and disclosures.** • Identify and propose solutions to challenges and procedural gaps in the underwriting process. • Promote an atmosphere of trust with clients and facilitate the acceptance of underwriting decisions. **Required Qualifications:** • Bachelor's degree in **science, Pharmacy, Medicine** , or a related field. • Minimum of **10+ years** of underwriting experience in Life & Health insurance. • **FALU** or **AALU** certification is mandatory. • Proven approval authority for cases up to $10 million. **• LOMA Customer Service Certification** required. • Strong **industry knowledge** with excellent **analytical** and **problem-solving** skills. • Ability to adapt to a **changing underwriting environment** . • Exceptional verbal and written communication skills with solid computer proficiency. • Demonstrated ability to: • Be **creative, flexible, motivated, and responsive** . • Manage and develop teams effectively, fostering **talent growth** . • Work effectively in team environments with a **client-focused approach** (internal and external). • **Bilingual proficiency in English and French** is a strong asset. **Why Join Us:** At TD Insurance, we offer: • A **stable, dynamic work environment** with a commitment to **professional growth** . • The opportunity to **work alongside experts** in a team-driven, entrepreneurial environment. • A culture that values inclusion, talent, and collaboration. **Ready to grow your career?** Apply today to join a team that values your expertise and rewards your contributions. \#LI and #IN **Who We Are:** TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you. **Our Total Rewards Package** Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more (http://www.td.com/ca/en/about-td/who-we-are/benefits-of-working-at-td) **Additional Information:** We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home. Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements. **Colleague Development** If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD – and we’re committed to helping you identify opportunities that support your goals. **Training & Onboarding** We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role. **Interview Process** We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. **Accommodation** Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process. We look forward to hearing from you! **Language Requirement (Quebec only):** Sans Objet Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.