Underwriting Manager, Medical Insurance

Description:

• Team Leadership & Development Proactively manage the workflow and shifting priorities of the underwriting unit to ensure timely, accurate deliverables. Provide daily support, coaching, and mentorship to a team of underwriters, fostering skill development and professional growth. Conduct quality reviews, identify learning opportunities, and oversee training for both internal staff and external stakeholders. Lead team meetings and serve as the first point of contact for complex case issues or challenges. Support hiring, onboarding, and ongoing talent development of direct reports. May provide coverage for the department leader as needed.
• Underwriting & Risk Assessment Assists in preparing underwriting analysis and risk assessment for new and renewal business, including cases with significant benefit implications. Assists in the preparation of quotes, questionnaires, and financial projections of varying complexity. Apply underwriting guidelines and negotiate financial terms within assigned authority; escalate exceptions and financial variances to senior leadership as appropriate, balancing membership, revenue growth, and profitability. Ensure pricing strategies align with business objectives and client needs. Assist team members in navigating complex or sensitive sales and renewal situations.
• Collaboration & Communication Act as the central contact for final rate submissions (Final & Firm process), including reporting and coordination with underwriters and operational teams. Collaborate with Business Analysis, Sales, Client Management, and other internal stakeholders to support sales and retention efforts. Present underwriting information and explain rate development, underwriting policies, and product standards to internal and external stakeholders. Build and maintain relationships with stop loss carriers to support case resolution and negotiation efforts. Clearly articulate Meritain’s services, underwriting philosophy, and new initiatives to internal and external stakeholders.
• Process Improvement & Strategic Support Lead or contribute to departmental projects and continuous improvement initiatives aimed at enhancing productivity, accuracy, and customer service. Identify and implement opportunities for automation and operational efficiency; influence the development of tools and resources. Support the use and optimization of underwriting tools, systems, and reporting platforms. Provide strategic input on stop loss placement, pricing, and product positioning.
• Subject Matter Expertise Demonstrate deep knowledge of Meritain’s product portfolio, underwriting philosophy, and market positioning. Support the development of proposals that align with client goals and organizational strategies. Analyze operational data and apply insights to financial modeling and fee development. Serve as a trusted resource for internal partners on underwriting and stop loss strategy.

Requirements:

• 5+ years of experience in underwriting/accounting pricing methodologies and funding arrangements.
• 2 to 3 years of relevant medical insurance experience: brokers (producers), carriers, (TPA) third-party administrators, benefit analysis, underwriting, rating methodologies, or policy marketing, etc.
• Strong analytical, decision-making, and communication skills.
• Demonstrated ability to lead, mentor, and/or develop team members.
• Demonstrated success in anticipating customer needs and negotiating using tact and diplomacy
• Proficiency in Excel, Salesforce, and Microsoft Office.
• Ability to work independently and manage multiple priorities in a fast-paced environment.
• 2 to 3 years prior leadership experience
• Salesforce, Tableau, and/or VBA experience
• Experience communicating with outside consultants or customers

Benefits:

• Affordable medical plan options
• a 401(k) plan (including matching company contributions)
• an employee stock purchase plan
• No-cost programs for all colleagues including wellness screenings, tobacco cessation and weight management programs
• confidential counseling and financial coaching
• paid time off
• flexible work schedules
• family leave
• dependent care resources
• colleague assistance programs
• tuition assistance
• retiree medical access
• many other benefits depending on eligibility

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