Senior Stop-Loss Underwriter: Risk & Rate Architect

Highmark Health; Clayton (NM); 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 contracts based on claims data and employee group characteristics. The role involves managing profitability, growth, and risk within underwriting policies, with oversight of junior staff and collaboration across departments in a corporate risk framework.

The position emphasizes data-driven rate setting, report preparation, and support for internal initiatives such as fraud detection and product

Qualifications

• Bachelor's degree in a quantitative field; substitutions allowed for experience.
• Strong analytical and mathematical abilities; ability to interpret data.

Responsibilities

• Renewing accounts and writing new business at profitable levels.
• Calculate rates and interpret pricing policy.
• Identify questionable claim patterns of renewal clients and competitors' claims.
• Apply corporate risk management policies and adjust pricing in unusual situations.
• Ensure compliance with enrollment conditions and internal policies.
• Support fraud detection, compliance, wellness/disease management and product development efforts.
• Complete renewals and quotes with timeliness standards.
• Adapt to changing priorities and communicate recommendations clearly.
• Guide and assist lower level analysts.

Skills

Stakeholder management

Analytical skills

Decision making

Ethical practices

Math aptitude

Education

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

6 years relevant, progressive experience in the area of specialization

Tools

Computer systems

Job description

HM Insurance Group is seeking an experienced underwriter to price quotes and analyze group contracts based on claims data and employee group characteristics. The role involves managing profitability, growth, and risk within underwriting policies, with oversight of junior staff and collaboration across departments in a corporate risk framework.

The position emphasizes data-driven rate setting, report preparation, and support for internal initiatives such as fraud detection and product