Summary:

• Underwrite existing medical and dental accounts, including Broker, Commercial and Labor and Government accounts, within published time frames.
• Underwrite new business portfolio including a mix of Large Group Experience Labor and Government, Commercial, Self-insured, and Large Group Community Rated accounts.
• Advise the Underwriters in the Underwriting Leader's absence.
• Support the department in the development of good working relationships between Underwriting and Account Management.
• Assume responsibility for entry level training program and supporting new hire underwritings.
• Support Organizational/Underwriting Initiatives, including improvements to tools used by Underwriting.

Responsibilities:

• Underwrite new and existing large groups, within the published departmental time frames, and using the departmental and corporate guidelines, strategies, and goals.
• Evaluate risk using demographics, claims experience, predictive modeling, high-cost claimant review, and other criteria.
• Utilize various pricing models to develop both manual and experience rates.
• Provide clear documentation and recommendations to management, update tracking tools.
• Evaluate pricing impact of alternative plan designs.
• Collect data and produce enrollment, claims, utilization reports from COGNOS, Tableau, Facets, and other databases/reporting tools.
• Prepare summaries for Account Executives for renewals, based on financial history of the groups, demographics and projections moving forward.
• Communicate and explain Underwriting recommendations/decisions to the Sales Account Executives.
• Provide support explaining analysis to brokers and/or customers as needed.
• Lead Organizational/Underwriting initiatives.
• Serve as technical resource and mentor for lower-level Underwriters.
• Review and analyze Request for Proposals (RFPs) and prospective rate quotes from Brokers, Consultants, and Marketing Representatives.
• Prepare financial exhibits and answers Underwriting questions for Sales Representatives.