Senior Underwriter

Boutique Recruiting

Spicewood (TX)

Hybrid

USD 95,000 - 120,000

Full time

6 days ago

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Benefits offered by this job

Medical insurance

Health Savings Account (HSA)

Life insurance

Disability coverage

Performance bonuses

Equity participation

Flexible PTO

Paid holidays

Hybrid work environment

Work-life balance

Job summary

Boutique Recruiting is seeking a Senior Medical Stop-Loss Underwriter to join a growing insurance organization. The role evaluates, prices, and underwrites medical stop-loss risks for self-funded and level-funded health plans, including captive and traditional arrangements.

The ideal candidate has 5+ years of underwriting experience, strong analytical skills, and can independently manage complex cases while collaborating with leadership to support profitable underwriting decisions.

Qualifications

Bachelor's degree required and 5+ years of medical stop-loss underwriting experience.
Experience independently underwriting stop-loss cases from initial evaluation through proposal development.
Strong understanding of self-funded health plans, pricing, risk assessment, and profitability.

Responsibilities

Evaluate, price, and underwrite medical stop-loss coverage for self-funded and level-funded plans.
Independently manage 10–20 underwriting cases per week from initial review through proposal prep.
Analyze claims experience, financial exposure, demographics, and risk factors for pricing.
Underwrite traditional and captive medical stop-loss arrangements.
Prepare underwriting proposals and present recommendations for review and approval.
Collaborate with carriers, MGUs, reinsurers, and captive partners.
Monitor profitability and support portfolio strategies.
Utilize underwriting software and analytical tools to evaluate risk.
Contribute to guidelines, processes, and internal systems refinement.
Work with actuarial and operations teams to support growth and accuracy.
Adapt to evolving business needs while maintaining quality and productivity.

Skills

Analytical thinking

Underwriting

Communication

Problem solving

Microsoft Office

Underwriting software

Self-funded plans

Stop-loss pricing

Captive programs

Education

Bachelor's degree

Tools

Milliman

Claros

Curve

Job description

Position Title: Senior Underwriter

We are seeking an experienced Senior Medical Stop-Loss Underwriter to join a rapidly growing insurance organization. This role is responsible for evaluating, pricing, and underwriting medical stop-loss risks for self-funded and level-funded health plans, including captive and traditional arrangements. The Senior Underwriter will independently manage cases from initial evaluation through proposal development, assess financial exposure, and collaborate with leadership to support profitable underwriting decisions.

The ideal candidate has at least 5 years of medical stop-loss underwriting experience, strong analytical skills, and the ability to independently manage complex cases in a fast-paced environment. This individual is technically proficient, adaptable, and comfortable working within a growing organization where collaboration, accountability, and problem-solving are essential.

Salary Range: $95,000 - $120,000 base annually + bonus + equity DOE

Responsibilities

Evaluate, price, and underwrite medical stop-loss coverage for self-funded and level-funded employer health plans
Independently manage approximately 10–20 underwriting cases per week, from initial review through proposal preparation
Analyze claims experience, financial exposure, group demographics, and risk factors to determine appropriate pricing and coverage terms
Underwrite traditional and captive medical stop-loss arrangements
Prepare accurate underwriting proposals and present recommendations for final review and approval
Collaborate with carriers, managing general underwriters (MGUs), reinsurers, and captive partners
Monitor underwriting profitability and support strategies that maintain a balanced and profitable portfolio
Utilize underwriting software and analytical tools to evaluate risk and improve efficiency
Contribute to the development and refinement of underwriting guidelines, processes, and internal systems
Work closely with actuarial and operations teams to support business growth and underwriting accuracy
Adapt to evolving business needs while maintaining quality, accuracy, and productivity

Requirements

Bachelor's degree required
Minimum of 5 years of medical stop-loss underwriting experience
Demonstrated experience independently underwriting medical stop-loss cases from initial evaluation through proposal development
Strong understanding of self-funded health plans, stop-loss pricing, risk assessment, and underwriting profitability
Experience working with insurance carriers, MGUs, reinsurers, or captive programs
Ability to manage approximately 10–20 underwriting cases per week independently
Strong analytical, mathematical, and problem-solving skills
High level of technical proficiency and ability to learn new underwriting platforms
Proficiency with Microsoft Office and underwriting-related technology
Strong communication skills and ability to collaborate effectively across departments
Adaptability, professionalism, and a solutions-oriented approach in a growing business environment
Experience with captive underwriting preferred
Familiarity with Milliman, Claros, Curve, or agency management systems preferred
Background in actuarial science, mathematics, statistics, or related disciplines preferred
Actuarial certifications, licensing, or coding experience are a plus