Senior Underwriter

Company :

Highmark Inc.

Job Description :

JOB SUMMARY

This role serves as the primary point of contact for sales teams and assigned customers, delivering data-driven insights and recommendations to facilitate client acquisition and retention while achieving performance goals. Analyzes client data including industry type, financial condition, risk scores, and demographic information to assess risk and profitability for a book of business consisting of moderately complex clients. They apply independent judgment when clients do not align with established underwriting policies, practices, and standards, providing financial and risk management support to sales and strategic insight to the organization.

ESSENTIAL RESPONSIBILITIES

Work cross-functionally to manage a portfolio of clients, applying all relevant rating methods and owning the underwriting engagement from initial identification through documentation of final sold-contract details. Collaborate with cross-functional teams on client-level quotes, acting as a trusted advisor to sales by providing clear and confident communication of underwriting's position on each client's risk profile. Proactively analyze quote details, client understanding, and regional insights to deliver optimal recommendations to sales, identifying opportunities and potential concerns while maintaining an independent perspective. Develop recommendations for policy adaptation and rating adjustments to address questionable claim patterns, unusual situations, or other factors not anticipated within standard pricing models. Maintain accurate book management details, including concession budget. Assess risk utilizing various measures such as risk scores, demographic analysis, and turnover considerations. Utilize an in-depth understanding of the department and the company's strategic goals and competitive position to drive client-level results towards these ends. Actively work with the sales team to manage the client portfolio towards achieving financial and business targets, such as membership, revenue, and margin. Effectively communicate underwriting rationale and case-specific underwriting results to aid sales management in making informed pricing decisions. Support the maintenance and improvement of departmental tools and processes, identifying needs and communicating these to product development teams. Other duties as assigned.

EDUCATION

Required Bachelor's degree in Mathematics, Actuarial Science, Finance, Business, Computer Science, Science, Technology, or other quantitative analysis discipline or relevant experience as determined by the company in lieu of a bachelor's degree. Preferred None

EXPERIENCE

Required 4 years of relevant underwriting, risk management, or actuary experience applying advanced mathematics or quantitative analysis Preferred 1 year in risk management, actuary, or of applying advanced mathematics. 1 year of external client interaction or comparable external interactions. LICENSES or

CERTIFICATIONS

Required None Preferred Actively pursuing a relevant professional designation from an organization such as (but not limited to)

HIAA/AMHC, CEBS, SOA SKILLS

Strong analytical and problem-solving skills with the ability to assess risk, identify trends, and develop data-driven recommendations. Comprehensive understanding of health products, services, risk assessment, and underwriting techniques. Consultative mindset with a focus on building strong relationships with sales teams and clients. Excellent communication and presentation skills, both written and verbal, with the ability to clearly and confidently explain complex information to both technical and non-technical audiences. Ability to work independently, manage multiple projects, and assume responsibility for moderately complex account situations. Understands the relationships between different systems and data sources. Proficient in using underwriting tools and software. Strong interpersonal skills with the ability to foster cooperation, teamwork, and collaboration. Language (Other than English):

None Travel Requirement:

0% - 25%

PHYSICAL, MENTAL

DEMANDS and

WORKING CONDITIONS

Position Type Office-based Teaches / trains others regularly Rarely Travel regularly from the office to various work sites or from site-to-site Occasionally Works primarily out-of-the office selling products/services (sales employees) Never Physical work site required

Yes Lifting:

up to 10 pounds

Constantly Lifting:

10 to 25 pounds

Rarely Lifting:

25 to 50 pounds

Never Disclaimer:

The job description has been designed to indicate the general nature and essential duties and responsibilities of work performed by employees within this job title. It may not contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees to do this job.

Compliance Requirement:

This job adheres to the ethical and legal standards and behavioral expectations as set forth in the code of business conduct and company policies. As a component of job responsibilities, employees may have access to covered information, cardholder data, or other confidential customer information that must be protected at all times. In connection with this, all employees must comply with both the Health Insurance Portability Accountability Act of 1996 (HIPAA) as described in the Notice of Privacy Practices and Privacy Policies and Procedures as well as all data security guidelines established within the Company's Handbook of Privacy Policies and Practices and Information Security Policy. Furthermore, it is every employee's responsibility to comply with the company's Code of Business Conduct. This includes but is not limited to adherence to applicable federal and state laws, rules, and regulations as well as company policies and training requirements. Highmark Health and its affiliates prohibit discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibit discrimination against all individuals based on any category protected by applicable federal, state, or local law. We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact the email below. For accommodation requests, please contact HR Services Online at HRServices@highmarkhealth.org California Consumer Privacy Act Employees, Contractors, and Applicants Notice Highmark Health is a national, blended health organization that includes one of America's largest Blue Cross Blue Shield insurers and a growing regional hospital and physician network. Based in Pittsburgh, Pa., Highmark Health's 35,000 employees serve millions of customers nationwide through the nonprofit organization's affiliated businesses, which include Highmark Inc., Allegheny Health Network, HM Insurance Group, United Concordia Dental, HM Health Solutions and HM Home & Community Services. Highmark Health's businesses proudly serve a broad spectrum of health-related needs including health insurance, health care delivery, population health management, dental solutions, reinsurance solutions, and innovative, technology solutions.