Senior Stop-Loss Underwriter — Risk & Pricing Lead

Highmark Health; Bismarck (ND); On-site; USD 79,000 - 127,000; Full time

Job summary

HM Insurance Group seeks an experienced underwriter to price quotes and analyze group contracts based on claims experience and employee characteristics. You will apply underwriting authority within HMIG policies to ensure profitability and growth, and you’ll identify quotes to decline when misaligned with HMIG strategy.

You will analyze risk factors for enrollments, renewals, and amendments, prepare reports, and support internal and client stakeholders with rate computations, financial exhibits,

Qualifications

• Bachelor's degree in a quantitative field as listed.
• 6 years progressive underwriting experience with self-funded or conversion scenarios.
• Strong analytical, pricing, and risk assessment capabilities.

Responsibilities

• Price quotes and analyze group contracts based on claims experience and employee characteristics.
• Apply underwriting authority to ensure profitability and growth for HMIG.
• Identify quotes to decline that do not fit HMIG strategy and risk structure.
• Analyze enrollment/renewal risks and prepare supporting reports and rate computations.
• Provide guidance and support to other HMIG underwriters and stakeholders.

Skills

Analytical thinking

Interdepartmental collaboration

Problem solving

Negotiation skills

Math proficiency

Education

Bachelor's Degree in Mathematics

Actuarial Science / Finance / Business / CS

Job description

HM Insurance Group seeks an experienced underwriter to price quotes and analyze group contracts based on claims experience and employee characteristics. You will apply underwriting authority within HMIG policies to ensure profitability and growth, and you’ll identify quotes to decline when misaligned with HMIG strategy.

You will analyze risk factors for enrollments, renewals, and amendments, prepare reports, and support internal and client stakeholders with rate computations, financial exhibits,