Underwriter

Medical Stop Loss Underwriter The Medical Stop‑Loss Underwriter is a pivotal team member responsible for managing and underwriting a self‑created portfolio of medical stop‑loss products. This role involves detailed risk assessment, developing pricing strategies, and providing technical guidance to other underwriters. The ideal candidate will bring a strong analytical background and a strategic approach to risk management, with an in‑depth understanding of self‑insurance and stop‑loss policies. Responsibilities Evaluate and underwrite medical stop‑loss insurance RFPs, utilizing historical claims data and underwriting software tools to determine risk and set premiums. Perform thorough analysis of variables such as employer size, demographics, health care utilization, and insurance needs. Ensure compliance with state regulations and adhere to all underwriting requirements both internal and as set by carriers. Conduct financial analysis of employers to gauge the ability to meet obligations under a self‑funded plan. Engage with brokers and clients to gather additional information, explain risk decisions, and foster strong business relationships. Monitor portfolio performance, identify trends, and recommend adjustments to underwriting practices as necessary. Mentor and train Junior Underwriters and Underwriting Assistants, promoting a culture of continuous learning and quality improvement. Participate in product development initiatives to introduce innovative stop‑loss solutions in the market. Travel may be expected for client meetings, industry conferences, and professional development opportunities, about twice per year—one week each cycle. Qualifications Minimum 2 years of direct experience in medical stop‑loss underwriting, with a proven track record of managing complex accounts. Deep understanding of self‑funded health plans, TPAs, and experience in the broker community. Established producer relationships and an existing book of business is a plus but not required. Strong proficiency in Microsoft Office Suite and the David Young system is strongly preferred. Exceptional negotiation and interpersonal skills to interact effectively with brokers, clients, and internal teams. Ability to communicate, justify, and document underwriting decisions to management and risk partners. Sound reasoning and a comprehensive ability to assess both major drivers of risk and subtle aspects that might not be immediately apparent. Regular communication with clients and colleagues via email, Zoom, in‑person, etc. Participate in planning for individual annual goals and quarterly reviews of the division and individual benchmarks. #J-18808-Ljbffr