Senior Underwriter or AVP, Medical Stop Loss (Core)

The Senior Underwriter OR AVP is responsible for underwriting new and renewal medical stop-loss accounts at a profitable level. This role involves managing relationships with producers and customers to ensure alignment with overall company stop-loss goals. The Senior Underwriting position works closely with the other team members in the region and with the sales team to identify business and producers that most closely meet our underwriting acumen.

Key Responsibilities:

• Evaluate risk for in-force business and new business prospects. Make decisions to quote or decline to quote and develop premium rates in accordance with underwriting guidelines and authority limits.

• Develop and communicate new business or renewal rate recommendations and decisions in line with underwriting authority limits.

• Prepare and generate correspondence, proposals, and other reports as needed.

• Provide detailed explanations to Skyward A&H clients regarding conditions and requirements of quotes, rating decisions, and other information to support the sale of new and renewal business.

• Coordinate medical reviews with the clinical risk management team and make recommendations regarding the level of acceptable risk.

• Negotiate rates, terms, and conditions for new and existing business.

• Manage the new business and renewal book to balance profitability and growth.

• Process sold accounts and confirmed renewals following established procedures.

• Develop and maintain relationships with clients, producers, and sales representatives to support the company’s production goals and persistency.

• Support Skyward A&H growth initiatives related to reference-based pricing, captive, and small group programs.

• Review plan design and calculate rates for requested or recommended plan changes.

• Provide competitive feedback on rates, products, pricing, and marketing strategies.

• Make presentations to peers, producers, and leadership as necessary.

• Utilize departmental tools, experience, and judgment during the underwriting process to set pricing, review risk, negotiate, and accomplish goals.

• Assist associate underwriters with training and peer review.

• Perform other duties as assigned.

• Some travel may be required for trainings and/or meetings (less than 10%).

Continuous Learning and Development:

• Stay current with industry trends, regulatory changes, and competitive landscape to ensure the company remains at the forefront of underwriting practices.

• Participate in training sessions and professional development opportunities.

Education & Experience:

• Bachelor’s Degree preferred.

• 4+ years of experience underwriting medical stop-loss required.

• Preferred experience underwriting reference-based pricing and/or small group programs.

• Professional certifications (HIAA, CEBS, FMLI, etc.) beneficial.

Skills:

• In-depth knowledge of underwriting principles, risk assessment, and regulatory requirements.

• Proven track record of developing and implementing successful underwriting strategies and policies.

• Strong analytical and decision-making skills, with the ability to evaluate complex transactions.

• Ability to prioritize and balance a dynamic workload.

• Strong communication and interpersonal skills, with the ability to build relationships with internal and external stakeholders.

• Proficiency in underwriting software (Connexure/ESL preferred) and other relevant technology.

Compensation & Benefits

The applicable base salary for this opportunity is $100,000 - $170,000. The base pay offered will be determined by factors such as experience, skills, training, location, certifications, education, and any applicable minimum wage requirements. In addition to the base salary, this opportunity may be eligible for performance-based incentives.​ We are excited to offer a competitive total rewards package which includes health and welfare benefits, tuition and professional certification assistance, 401k savings, elective participation in the Employee Stock Purchase Program, paid time off, paid holidays, and child bonding leave, as well as other employee assistance.

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