Senior Underwriter, E&I - Minnetonka, MN Preferred

Primary Responsibilities

• Analyze large group new business and renewal opportunities by reviewing claims experience, enrollment, demographics, plan design, industry, geographic factors, utilization patterns, and other relevant risk indicators
• Develop competitive and financially sound pricing recommendations using established underwriting guidelines, rating tools, actuarial assumptions, approved authority levels, and market-specific considerations
• Evaluate benefit changes, funding arrangements, contractual terms, guarantees, contribution strategies, and other plan variables to assess financial impact and support informed decision-making
• Partner with Sales, Account Management, Actuarial, Finance, Product, and Market leadership to explain pricing results, identify risk considerations, and recommend strategies that balance competitiveness, customer needs, and profitability
• Prepare and support request for proposal responses, renewal exhibits, rate actions, benefit alternatives, underwriting narratives, and customer-facing explanations as needed
• Negotiate and communicate pricing, fees, assumptions, financial terms, and risk considerations with internal partners while maintaining alignment with underwriting policy, authority limits, and business objectives
• Maintain accurate and timely completion of underwriting work in support of service expectations and market commitments
• Serve as a technical subject matter expert and mentor by sharing underwriting knowledge, supporting process improvements, answering complex case questions, and helping promote consistency across the underwriting team

Required Qualifications

• 2+ years of underwriting experience, preferably with exposure to employer group pricing, renewal analysis, or financial risk evaluation
• Experience working with numerical data, applying analytical reasoning, and making recommendations based on established guidelines and business context
• Proficiency with Microsoft Office products, including Excel, Word, and PowerPoint, with the ability to organize data, prepare analysis, and communicate results clearly

Preferred Qualifications

• 2+ years of financial underwriting experience in the healthcare industry, particularly with large group, key account, or complex employer-sponsored business
• Prioritized solid organizational skills with the ability to manage multiple priorities, competing deadlines, and high-volume workloads while maintaining accuracy
• Prioritized high attention to detail, commitment to quality, and ability to identify inconsistencies, data concerns, or risk factors that may impact pricing decisions
• Prioritized effective negotiation, communication, and relationship-building skills, with the ability to explain technical underwriting concepts to both technical and non-technical audiences
• Prioritized ability to work independently while also contributing to a collaborative team environment focused on continuous improvement and business partnership

Pay

The salary for this role will range from $60,200 - $107,400 annually based on full-time employment. We comply with all minimum wage laws as applicable.