Senior Stop-Loss Underwriter: Pricing and Risk Lead

HM Insurance Group; United States; On-site; USD 79,000 - 127,000; Full time

Job summary

HM Insurance Group prices quotes and analyzes the structure of group contracts based on claims experience and employee group characteristics. You will use underwriting authority within HMIG policies to ensure profitability and growth, declining quotes that do not fit the strategy.

You will assess risk factors for enrollment, renewals, and amendments, prepare reports, and provide rationale to clients and producers.

Qualifications

• 5-7 years underwriting experience in self-funded and converting fully insured prospects.
• Bachelor's Degree in a quantitative field is required.
• Ability to work independently and manage projects.
• Strong math aptitude and problem-solving skills.

Responsibilities

• Renew accounts and write new business at profitable levels.
• Calculate rates and interpret pricing policies.
• Identify questionable claim patterns in renewal clients.
• Apply corporate risk management policies and adjust pricing.
• Recommend pricing adaptations for client-specific situations.
• Guide and mentor lower level analysts.
• Support fraud detection and compliance initiatives.

Skills

Stakeholder management

Analytical thinking

Problem solving

Negotiation

Independent work

Ethical standards

Strong communication

Education

Bachelor's Degree in Mathematics, Actuarial Science, Finance, Business, Computer Science or other quantitative analysis discipline

5-7 years underwriting experience in self-funded and converting fully insured prospects

Job description

HM Insurance Group prices quotes and analyzes the structure of group contracts based on claims experience and employee group characteristics. You will use underwriting authority within HMIG policies to ensure profitability and growth, declining quotes that do not fit the strategy.

You will assess risk factors for enrollment, renewals, and amendments, prepare reports, and provide rationale to clients and producers.