Underwriting I, II, III or Senior

2 weeks ago

Portland, United States Cambia Health Solutions Full time


Underwriting I, II, III or Senior

Work Remotely from Oregon, Washington, Idaho or Utah

Primary Job Purpose

Underwriter I, II, III & Senior evaluates each assigned group's risk and attaches the appropriate rate.

General Functions and Outcomes

Underwriter I (Entry Level)

  • Approves renewal changes after verifying rates and product selection.

  • Audits both new and renewing groups as necessary.

  • Determines rates for alternative benefit variations.

  • Ensures that group participation requirements are met.

  • Prepare rate filings.

  • Follows underwriting guidelines, policies, procedures and formulas in developing rates for new and renewal groups.

  • Gathers the appropriate data used to determine the status of account refunds.

  • Maintains spreadsheet information on group renewal history.

  • Prepares memos and other correspondence to communicate changes in rates or benefits which have been approved by underwriting management.

  • Processes the appropriate paperwork associated with renewal rate action and proposal closing.

  • Supports internal sales staff regarding underwriting questions and/or resolves issues.

  • Effectively communicates Underwriting decisions to other departments when necessary.

Underwriter II - In addition to the Functions and Outcomes Listed above for the UW I, the UW II, III & Senior…

  • May determine rates for alternative benefit variations and funding arrangements.

  • Assist in the training process and mentoring of more junior level Underwriters.

  • Prepares contingent premium settlements.

  • Prepares the rate quotations and completes bid specifications.

  • Processes group financial settlement calculations.

  • Reviews and determines whether or not to grant exception requests.

  • Supports management reporting efforts and the development of automated rating and analysis tools.

Underwriter III - In addition to the Functions and Outcomes Listed above for UW I & II, the III & Senior…

  • May determine rates for alternative benefit variations and more complex funding arrangements.

  • Actively involved in the preparation and maintenance of underwriting guidelines and rating policy.

  • Actively involved with testing new rating, underwriting and front end systems.

  • Answers questions regarding the basic factors used in developing rates, (group size, type of benefits, age/gender composition, large claims, experience provided from the prior carrier, current rates).

  • Answers questions regarding the rate model and how it impacts rates in accordance with particular group demographic changes.

  • Assesses health risk in a group environment (performs large claim analysis for ongoing claim cost).

  • Develops prospective and renewal rates for group accounts in accordance with corporate and underwriting guidelines.

  • Reviews and determines whether or not to grant exceptions to underwriting policy.

  • Ensures the proper administration of underwriting and legislative guidelines for new and renewing groups.

  • Handles large volume production with account specific issues (I.e. reinstatements, eligibility standards, group identification criteria, etc)

  • Maintains a working knowledge of State and Federal regulations affecting group rating.

  • Prepares rate breakouts and hierarchy definitions for group setups.

  • Reviews and directs the preparation of experience reports for fiscal, ERISA and contingent premium settlements.

  • May meet with external customers, brokers or account representatives to review underwriting calculations and provide explanations for rating principles.

  • May prepare written summaries of recommendations and/or conditions of coverage for the group after completion of each analysis.

  • May prepare an explanation of the past rating history, documenting benefit and enrollment changes, and providing a recommendation for benefit and financial options.

Underwriter Senior - In addition to the Functions and Outcomes Listed above for UW I, II & III, the UW Senior…

  • Contributes to timely and accurate productivity by assisting the Manager in education to new Underwriters.

  • Attends broker meetings, as well as meetings with sales executives, agents and/or groups to provide explanations of rating principles or rationale of rating positions.

  • Contributes to the development of new rating formulas, methodologies and guidelines.

  • Represent underwriting on Cambia workgroups and strategy sessions and serves as department representative where applicable.

Minimum Requirements

Underwriter I

  • Demonstrated analytical and problem solving skills.

  • Business sense including: finance, accounting, economics, and risk management principles.

  • Effective verbal and written communications.

  • Ability to build and maintain positive internal and external customer interactions.

  • Ability to prioritize tasks and meet deadlines.

  • Demonstrated technology proficiency, including Excel, Word, and applicable software applications.

Underwriter II - In addition to the Minimum Requirements listed above for the UW I, UW II, III & Senior will have…

  • Demonstrated success with managing competing priorities and workload.

Underwriter III - In addition to the Minimum Requirements listed above for the UW I & II, the UW III & Senior will have…

  • Demonstrated proficiency working with complex computer software systems and automation.

  • Ability to effectively explain complex mathematical and abstract concepts to a variety of stakeholders, including those with less familiarity and/or understanding.

Underwriter Senior - In addition to the Minimum Requirements listed above for the UW I , II & III, the UW Senior will have…

  • Proven understanding of business, including: finance, accounting, economics, and risk management.

  • Demonstrated attainment of a high level of independent, consistent performance.

  • Ability to organize, plan, prioritize and complete complex assignments with little or no supervision.

  • Demonstrated ability to read the marketplace and competitive environment.

Normally to be proficient in the competencies listed above

The Underwriter I would have a Bachelor's degree in business, math, statistics or related discipline or an equivalent combination of education and experience.

The Underwriter II would have a Bachelor's degree in business, math, statistics or related discipline and a minimum of 2 years related experience or an equivalent combination of education and experience.

The Underwriter III would have a Bachelor's degree in business, math, statistics or related discipline and a minimum of 4 years related experience or an equivalent combination of education and experience.

The Underwriter Senior would have a Bachelor's degree in business, math, statistics or related discipline and a minimum of 6 years related experience or an equivalent combination of education and experience.

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