Senior Stop-Loss Underwriter — Self-Funded Risk & Pricing

Highmark Health; Arkansas City (KS); 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 mix. The incumbent uses underwriting authority within HMIG policies to ensure profitability and growth, while identifying quotes that do not fit HMIG strategy.

The role handles renewals and new business, calculates rates, analyzes risk, prepares reports, and mentors junior staff, supporting risk management and compliance across the organization.

Qualifications

• 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
• 5 - 7 years' experience in underwriting of self-funded and converting fully insured prospects to self-funding

Responsibilities

• Renew accounts and write new business at profitable levels to meet targets.
• Calculate rates and interpret pricing policies.
• Identify questionable renewal claim patterns and competitor issues.
• Apply risk management policies to pricing in unusual cases.
• Flag non-compliant clients and adjust pricing accordingly.
• Influence pricing and policy adaptations for clients.
• Mentor junior underwriters and assist in analytics.
• Support data-driven risk and compliance initiatives.

Skills

Risk analysis

Underwriting

Financial analysis

Communication

Problem solving

Attention to detail

Education

Bachelor's Degree in Mathematics

Actuarial Science

Finance

Tools

Pricing systems

Data analysis tools

Job description

HM Insurance Group prices quotes and analyzes the structure of group contracts based on claims experience and employee mix. The incumbent uses underwriting authority within HMIG policies to ensure profitability and growth, while identifying quotes that do not fit HMIG strategy.

The role handles renewals and new business, calculates rates, analyzes risk, prepares reports, and mentors junior staff, supporting risk management and compliance across the organization.