Insurance Sales Underwriter

This job serves as a point of contact for sales teams and assigned customers, delivering insights and recommendations to aid customer acquisition and retention while maintaining performance goals. This role analyzes data such as type of industry, financial condition, and other characteristics to assess risk for a book of business consisting of standard small and mid-sized clients in conformance with established underwriting policies, practices, and standards. The incumbent will collaborate with cross-functional team members on client-level quotes and function as a trusted advisor by providing financial and risk management support to sales as well as strategic insight.
Work with the sales team and underwriting peers and leaders to manage a portfolio of clients, including all rating methods and owning the underwriting engagement from initial identification through documentation of final sold-contract details.
Clearly communicate underwriting’s position on the risk profile of each client.
Respond to questions and draw insights from quote details, client understanding, and regional insights to deliver the best possible recommendation to sales. Calculate rates utilizing company rating algorithms, adjusting accordingly to cover questionable claim patterns or unusual situations not otherwise contemplated within the standard formula.
Assess risk by looking at various risk measures such as risk scores, demographic analysis, and turnover considerations.
Perform administrative tasks and aide in workload coordination.
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

2 years of relevant underwriting, risk management, or actuary experience applying advanced mathematics or quantitative analysis

1 year of health care underwriting, risk management, actuary work, or ofapplying advanced mathematics.

Understanding of health products, services, risk assessment and techniques
Language (Other than English):
Travel Requirement:
Office-based
Travel regularly from the office to various work sites or from site-to-site
Works primarily out-of-the office selling products/services (sales employees)
Physical work site required
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.
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.
Base pay is determined by a variety of factors including a candidate’s qualifications, experience, and expected contributions, as well as internal peer equity, market, and business considerations. 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.
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