Underwriter I, II, III or Senior

Cambia Health Solutions · Utah, United States · 1 mo ago

$25.92–$37.26/hrFull-time

We need to output HTML fragment with sections: About the role? Actually we need to use headings for sections like About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We must include only sections with real content. The posting includes: location/hybrid, preference, mission, who we are looking for (description), qualifications (by level), skills and attributes, additional minimum requirements per level, what you will do (responsibilities), additional general functions per level, work environment, pay ranges, benefits description, about Cambia, why join, etc. We need to decide sections: Could combine Qualifications and Skills? But we need to follow headings list: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We have content for About the role: description of mission, who we are looking for, maybe "Build a career with purpose..." etc. Responsibilities: "What You Will Do At Cambia" plus additional general functions per level. Requirements: maybe location/hybrid, preference, etc? Or we could treat "Additional Minimum Requirements" as Requirements. But we also have Qualifications (education/experience per level). Skills: "Skills And Attributes". Benefits: benefits description. Pay: salary ranges. Schedule: hybrid (3 days/week in office) maybe schedule info. We must not repeat job title as heading. No Job ID etc. Remove boilerplate like EEO, scam warning, navigation, cookie, legal, duplicated lines. Also remove application instructions. We need to preserve all substantive info. Must not invent or summarize away detail. Must not create sections with filler like "commensurate with experience". We have actual pay ranges, so Pay section is okay. Schedule: we have hybrid (3 days/week in office) and maybe travel, outside normal hours. That's schedule info. We need to output only HTML fragment, no /, no markdown fences. Let's craft. Structure:

About the role

... (mission, who we are looking for, preference for current employees/commutable distance, etc.)

Responsibilities

... list items from "What You Will Do At Cambia" and additional general functions per level (maybe combine). Need to preserve all details; we can bullet each responsibility. We must not lose any detail. There's a lot; we need to include all bullet points from responsibilities and additional functions. Could be long but okay. We need to ensure we don't duplicate. We'll combine responsibilities and additional functions into one list under Responsibilities. Similarly, Requirements: maybe location/hybrid, preference, travel, etc. But we also have Qualifications separate. Let's define: Requirements: location/hybrid, preference for current employees/commutable distance, willingness to relocate, work environment (office, travel, outside hours). Could also include "Additional Minimum Requirements" but those are more like qualifications/skills per level; but we already have Qualifications and Skills sections. Might be better to treat "Additional Minimum Requirements" as part of Requirements (since they are requirements per level). However we already have Qualifications (education/experience) and Skills (attributes). The posting separates "Qualifications", "Skills And Attributes", "Additional Minimum Requirements For Level II/III/Senior". Those could be considered Requirements. But we have headings for Qualifications and Skills already, so we can put those extra requirements under Requirements? Might be redundant. But we must include all content; we can put them under Requirements as sub-bullets per level. Simplify: Use sections: - About the role - Responsibilities - Qualifications - Skills - Requirements (includes location/hybrid, preference, additional minimum requirements per level, work environment) - Benefits - Pay - Schedule Check if we have content for each. About the role: mission, who we are looking for, preference, etc. Responsibilities: all duties. Qualifications: education/experience per level. Skills: Skills And Attributes. Requirements: location/hybrid, preference, willingness to relocate, work environment, additional minimum requirements per level (maybe we can incorporate them here). Also maybe "Additional General Functions" are responsibilities, not requirements. Benefits: benefits description. Pay: salary ranges and bonus target. Schedule: hybrid (3 days/week in office), travel, outside normal hours. We must not create sections with placeholder text. All have real content. Now craft HTML. We need to ensure we use
- for any list of duties/requirements/benefits. For prose use
  . We'll need to decide what is a list vs prose. For qualifications per level, could be a list. For skills, list. For responsibilities, list. For benefits, list. For pay, maybe prose (but could be list). For schedule, maybe prose. Let's produce. First, About the role: We need to capture: "Underwriter I, II, III Or Senior Hybrid role (3 days/week in office) at our Salt Lake City, Boise, Portland, Vancouver, Renton, Medford, Burlington, Lewiston offices. Preference will be given to current employees and candidates who reside within a commutable distance from our Salt Lake City, Boise, and Lewiston offices or who are willing to relocate. Build a career with purpose. Join our Cause to create a person-focused and economically sustainable health care system. Who We Are Looking For Every day, Cambia’s dedicated team of Underwriters is living our mission to make health care easier and lives better. As a member of the Underwriters team, our Underwriters Evaluate assigned group eligibility and risk and assign the appropriate rate for new and renewal groups across small and large group segments – all in service of creating a person-focused health care experience. Do you have a passion for serving others and learning new things? Do you thrive as part of a collaborative, caring team? Then this role may be the perfect fit." We'll put that in
  . Now Responsibilities: list all duties from "What You Will Do At Cambia" plus additional general functions per level. Let's extract bullet points: From "What You Will Do At Cambia": - Follow underwriting guidelines, policies, procedures, and formulas in developing and assigning rates for new and renewal groups, including alternative benefit variations and complex funding arrangements. - Verify employer eligibility to purchase and renew group products, ensuring all groups meet minimum participation and contribution requirements. - Audit new and renewing groups as necessary to ensure compliance with underwriting and legislative guidelines. - Validate that all required documentation received is complete and properly executed. - Approve renewal changes after verifying rates and product selection. - Maintain complete and accurate records and documentation in underwriting systems. - Identify and resolve data discrepancies and processing errors. - Monitor application status and ensure timely processing through workflow systems. - Gather appropriate data to determine the status of account refunds. - Maintain spreadsheet information on group renewal history. - Use independent judgment, or judgment with appropriate level of peer/manager review, to evaluate system-generated rate calculations for reasonability. - Utilize applications to support the rating and underwriting process, including but not limited to StepWise, Salesforce, claims systems, and other reporting databases. - Prepare memos and other correspondence to communicate changes in rates or benefits. - Process appropriate paperwork associated with renewal rate actions and proposal closings. - Maintain a working knowledge of State and Federal regulations, including the Affordable Care Act, affecting group rating. Additional General Functions And Outcomes For Level II: - Assist in training more junior level Underwriters. - Work independently to prioritize work, meet deadlines, and achieve standards. - Prepare retrospective settlements. - Analyze reinstatement requests to grant or deny approval. - Advise internal teams on underwriting questions and issue resolution. - Support management reporting efforts and the development of automated rating and analysis tools. - Develop and prepare federal and state reporting documents. - Answer questions regarding the basic factors used in developing rates. Additional General Functions And Outcomes For Level III: - Proactively suggest alternative benefit options and determine rates for alternative benefit variations and more complex funding arrangements. - Support all types of group clients, including self-funded companies, associations, and national accounts. - Actively participate in the review and maintenance of underwriting guidelines. - Conduct user acceptance testing of underwriting and front-end systems. - Provide training to non-underwriting departments, including Sales, on underwriting policies and procedures as necessary. - Use independent judgment to evaluate system-generated rate calculations for reasonability. - Answer questions regarding the factors used in developing rates, including group size, type of benefits, age/gender composition, large claims, experience from prior carriers, and current rates. - Analyze large claims to proactively identify risk patterns and develop accurate pricing models. - Assess health risk in a group environment, including large claim analysis for ongoing claim costs. - Review and determine whether to grant exceptions to underwriting policy. - Ensure proper administration of underwriting and legislative guidelines for new and renewing groups. - Handle large volume production with account-specific issues (e.g., reinstatements, eligibility standards, group identification criteria). - Prepare rate breakouts and hierarchy definitions for group setups. - Review and direct the preparation of experience reports for fiscal, ERISA, and retrospective premium settlements. - May prepare written summaries of recommendations and/or conditions of coverage following each analysis. - May prepare explanations of past rating history, documenting benefit and enrollment changes, and providing recommendations for benefit and financial options. Additional General Functions And Outcomes For Senior Level: - Assist the Manager in the education and support of new and junior Underwriters. - Leverage expertise in alternative funding models and benefit packages to proactively identify solutions and analyze potential risk. - Craft clear communications to Sales documenting underwriting decisions. - May attend broker meetings, as well as meetings with sales executives, agents, and/or groups to provide explanations of rating principles or rationale of rating positions. - Research and resolve complex group eligibility questions. - Recommend solutions to improve procedures and processes. - Contribute to the development of new rating formulas, methodologies, and guidelines. - Champion best practices as a subject matter expert. - Represent underwriting on cross-functional workgroups and strategy sessions, serving as a department representative. We'll combine all these into a single

Underwriter I, II, III or Senior

About the role

Responsibilities

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