Senior Stop-Loss Underwriter - Pricing & Risk Strategy

Highmark Health; Montpelier (VT); On-site; USD 79,000 - 127,000; Full time

Job summary

HM Insurance Group is seeking an experienced underwriter to price quotes and analyze group contract structures based on claims experience and employee group characteristics. The role involves applying underwriting authority within policy guidelines, ensuring profitability and growth, and guiding other analysts.

The incumbent will analyze risk factors for new enrollments, renewals, and amendments, prepare financial exhibits, and provide insights to clients and producers.

Qualifications

• Bachelor-level quantitative degree required or equivalent experience.
• Experience in underwriting self-funded or group contracts is preferred.

Responsibilities

• Renew established accounts and write new business at profitable levels.
• Calculate rates and apply pricing policy for diverse client needs.
• Identify unusual risk patterns and adjust pricing accordingly.
• Ensure compliance with corporate risk management policies and enrollment criteria.
• Prepare reports on underwriting results, rate computations, and financial activity.
• Mentor junior analysts and support department tools and processes.
• Collaborate with internal teams to improve processes and risk management.
• Communicate pricing adaptations with clear rationale to clients and brokers.

Skills

Underwriting

Risk analysis

Pricing

Data interpretation

Stakeholder comms

Education

Bachelor's Degree in Mathematics, Actuarial Science, Finance, or related quantitative field

Tools

Pricing software

Data analysis tools

ERP systems

Job description

HM Insurance Group is seeking an experienced underwriter to price quotes and analyze group contract structures based on claims experience and employee group characteristics. The role involves applying underwriting authority within policy guidelines, ensuring profitability and growth, and guiding other analysts.

The incumbent will analyze risk factors for new enrollments, renewals, and amendments, prepare financial exhibits, and provide insights to clients and producers.