Senior Underwriting Consultant West Region

About the role

At UnitedHealthcare, we're simplifying the health care experience, creating healthier communities and removing barriers to quality care. The work you do here impacts the lives of millions of people for the better. As a Senior Underwriting Consultant for Employer & Individual, you will analyze complex health benefit plan characteristics and assess risks related to the frequency and potential severity of client losses. This role involves underwriting both Local Markets and National Accounts customers and operates with a high degree of independence, serving as a consultative resource for underwriting, account management, and leadership.

You'll enjoy the flexibility to work remotely* from anywhere within the U.S. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.

Responsibilities

• Primary focus on a complex ASO book of business, including cases requiring advanced financial analysis, judgment, and consultative support
• Lead product integration analysis to maximize company financials while balancing client affordability, competitiveness, risk, and long-term retention objectives
• Partner closely with underwriting leadership, account management, actuarial, product, finance, and other matrix partners to develop competitive financial responses and resolve non-standard requests
• Anticipate customer, consultant, and account team needs and proactively develop solutions that support customer strategy, affordability, and UnitedHealthcare financial objectives
• Serve as a senior technical resource on complex, critical, or highly visible underwriting issues, including renewals, requests for proposals, pricing exceptions, performance guarantees, and risk management considerations
• Solve complex problems, develop innovative solutions, and perform complex conceptual and financial analyses with minimal guidance
• Review work performed by others, provide coaching and recommendations for improvement, and support consistent application of underwriting standards across the team
• Forecast and plan resource requirements for assigned work, key deliverables, and peak renewal or proposal cycles
• Recommend and, when appropriate, authorize deviations from standard underwriting approaches within delegated authority and established governance
• Lead functional, segment, or cross-market projects that improve underwriting quality, operational efficiency, financial discipline, or customer outcomes
• Translate highly complex underwriting, financial, and product concepts into clear explanations and recommendations for a variety of audiences, including account teams and senior stakeholders
• Mentor, coach, and support other team members, including sharing subject matter expertise, training on tools and processes, and helping onboard or develop less experienced underwriters
• Identify and drive innovative approaches, process improvements, and best practices that improve team productivity, accuracy, and consistency
• Be sought out as an expert and trusted advisor; influence decisions and recommendations that may have broader market, segment, or cross-functional impact

Requirements

• 8+ years of experience in the healthcare industry underwriting and/or managing financials for a defined book of business for any variety of products: PPO, HMO, Stop Loss, Pharmacy, ASO, or Fully-Insured for large group customers
• 5+ years of experience with risk management, financial modeling, pricing analysis, renewal development, or related underwriting functions
• Experience working independently on less structured, complex issues, seeking guidance only on the most complex or sensitive matters
• Experience reviewing, coaching, or mentoring the work of others serving as a resource for team members with less experience
• Experience understanding, calculating, and explaining revenue, expense, risk, margin, and profit drivers
• Experience supporting ASO renewals, requests for proposals, performance guarantees, stop loss, pharmacy, or other complex product integrations
• Experience presenting financial recommendations to account teams, consultants, customers, or senior stakeholders
• Demonstrated subject matter expertise in underwriting tools, processes, pricing models, reporting, or cross-functional initiatives
• Excellent communication skills, both orally and in writing, with the ability to explain difficult financial and underwriting concepts to varied audiences
• Intermediate to advanced proficiency with MS Office suite, including Excel-based financial modeling, Word, and PowerPoint

All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy.

Pay

The salary for this role will range from $91,700 to $163,700 annually based on full-time employment. Pay is based on several factors including but not limited to local labor markets, education, work experience, and certifications.

Benefits

• Comprehensive benefits package
• Incentive and recognition programs
• Equity stock purchase
• 401k contribution (all benefits are subject to eligibility requirements)