Group Underwriter

Sr Group UnderwriterFounded in 1934, Medical Mutual is the oldest and one of the largest health insurance companies based in Ohio. We provide peace of mind to more than 1.2 million members through our high-quality health, life, disability, dental, vision and indemnity plans. We offer fully insured and self-funded group coverage, including stop loss, as well as Medicare Advantage, Medicare Supplement, and individual plans.Functions independently while evaluating data and risk characteristics of individuals or groups to make complex decisions regarding renewal premiums, prospective client quotes or bids and the implementation of health underwriting policies to achieve acceptable financial results in support of corporate goals for all product lines. Exercises sound judgment in making exceptions to standard underwriting results to promote the retention and acquisition of business. Manages projects and provides training and education to underwriting, sales, brokers, and clients.Responsibilities:Develops renewal rates and premiums within state/ federal regulations, and internal policies and procedures. Evaluates risk and determines logical pricing. Recognizes cost drivers and proposes solutions. Articulates results and recommendations to analysts, leadership and sales/service, brokers & consultants, and clients. Addresses exceptions and negotiations according to policies. Performs final underwriting.Proposes meaningful benefit and funding alternatives for existing clients in collaboration with sales to provide the best plan designs to meet the client's and the Company's objectives.Analyzes underwriting information, data and risk for prospective individuals and programs in collaboration with sales, brokers & consultants and clients to provide the best plans and approaches that meet the client's and the Company's objectives.Acts as a consultant and works with sales, brokers & consultants, clients,, other areas of the company, and senior executives to provide reporting, analytics, insight, and creative solutions that support market and company strategies.Trains and develops more junior level analysts and sales personnel to share knowledge, enhance productivity and efficiency of the area(s). Leads development of activities that enhance proficiency of the area(s). Leads staff in the absence of management.Performs other duties as assignedQualifications:Education and Experience:Bachelor's Degree in Business, Finance or related field.Equivalent education and experience directly related to the role may substitute for a degree.5 years' experience as a Group Underwriter or equivalent experience in health insurance underwriting.Technical Skills and Knowledge:In-depth knowledge of underwriting concepts and techniques of general health insurance and benefit funding designs/methodology.Ability to underwrite for groups that are complex such as consortiums, multi-levels, and providers.Strong math aptitude.Intermediate Microsoft Office skills, including Access.Ability to orient, train and assist more junior level staff.