Underwriter I, II, III or Senior
Cambia Health Solutions · Portland, OR · 1 mo ago
$25.92–$37.26/hrFull-time
We need to output HTML fragment with sections: About the role? Actually we have content: 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 ... etc.
We need to use for section headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections when posting has real specific content.
We need to preserve all substantive info, remove boilerplate, duplicated lines, application instructions, cookie/navigation/legal/EEO etc.
We need to include Pay and Schedule sections only if posting actually states them. Pay: we have salary ranges for each level, plus bonus target. That's pay info. Schedule: we have "Hybrid role (3 days/week in office)" and maybe "Work primarily performed in an office environment. Travel may be required – list locally or out of state. May be required to work outside of normal hours." That's schedule info.
Benefits: we have benefits description: medical, dental, vision, HSA contribution, PTO, holidays, retirement plan, parental leave, wellness programs, employee assistance fund, commute and parking benefits, work from home options with internet requirements. So we can include Benefits.
Qualifications: we have qualifications per level. Could combine into a section.
Skills: we have Skills And Attributes list.
Responsibilities: we have "What You Will Do At Cambia" and additional functions per level.
About the role: maybe the introductory paragraph about role and mission.
We need to not repeat job title as heading. So we start with maybe
for section headings: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections when posting has real specific content.
We need to preserve all substantive info, remove boilerplate, duplicated lines, application instructions, cookie/navigation/legal/EEO etc.
We need to include Pay and Schedule sections only if posting actually states them. Pay: we have salary ranges for each level, plus bonus target. That's pay info. Schedule: we have "Hybrid role (3 days/week in office)" and maybe "Work primarily performed in an office environment. Travel may be required – list locally or out of state. May be required to work outside of normal hours." That's schedule info.
Benefits: we have benefits description: medical, dental, vision, HSA contribution, PTO, holidays, retirement plan, parental leave, wellness programs, employee assistance fund, commute and parking benefits, work from home options with internet requirements. So we can include Benefits.
Qualifications: we have qualifications per level. Could combine into a section.
Skills: we have Skills And Attributes list.
Responsibilities: we have "What You Will Do At Cambia" and additional functions per level.
About the role: maybe the introductory paragraph about role and mission.
We need to not repeat job title as heading. So we start with maybe About the role
then paragraph.
We need to use - for any list of duties/requirements/benefits.
We need to output only HTML fragment, no /, no markdown.
We must not include placeholders like "commensurate with experience". We have actual ranges.
We need to ensure we don't include duplicated lines.
Let's extract content.
First, intro: "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."
Then "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."
That could be About the role.
Qualifications: list for each level.
We could present as a list: Underwriter I: Bachelor's degree ...; Underwriter II: ...; Underwriter III: ...; Underwriter Senior: ...
Skills: list bullet points.
Responsibilities: "What You Will Do At Cambia" plus additional functions per level. Could combine into responsibilities.
Benefits: list bullet points.
Pay: Provide salary ranges per level and bonus target.
Schedule: mention hybrid 3 days/week in office, office environment, travel may be required, may work outside normal hours.
We need to avoid duplication: The "Additional General Functions And Outcomes For Level II" etc are responsibilities; we can include them under responsibilities.
We need to ensure we don't include boilerplate like "Learn More About Our Benefits." etc. We can keep benefits description but remove the link text.
Also remove "We are happy to offer work from home options for most of our roles. To take advantage of this flexible option, we require employees to have a wired internet connection that is not satellite or cellular and internet service with a minimum upload speed of 5Mb and a minimum download speed of 10 Mb. As part of our security requirements, new hires will need access to a per" (cut off). That's part of benefits but maybe we keep the work from home requirement as part of benefits? It's a requirement for remote work; could be included under Benefits or maybe under Schedule? It's about work arrangement. Could be included under Benefits as a note. But we can keep it as part of Benefits: "Work from home options available with wired internet connection (non-satellite/cellular) minimum upload 5Mbps, download 10Mbps."
We need to cut off the incomplete sentence at end: "As part of our security requirements, new hires will need access to a per". That's incomplete; we should drop that incomplete line.
Now construct HTML.
We'll have:
About the role
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.
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.
Qualifications
- Underwriter I: Bachelor's degree in business, math, statistics, or related discipline; or equivalent combination of education and experience.
- Underwriter II: Bachelor's degree in business, math, statistics, or related discipline and a minimum of 3 years of related experience; or equivalent combination.
- Underwriter III: Bachelor's degree in business, math, statistics, or related discipline and a minimum of 5 years of related experience; or equivalent combination.
- Underwriter Senior: Bachelor's degree in business, math, statistics, or related discipline and a minimum of 8 years of related experience; or equivalent combination.
Skills
- Demonstrated analytical and problem-solving skills.
- Business acumen including finance, accounting, economics, and risk management principles.
- Effective verbal and written communication skills.
- Ability to build and maintain positive internal and external customer interactions.
- Ability to prioritize tasks and meet deadlines.
- Demonstrated technology proficiency, including Excel, Word, and applicable software applications.
- Experience with AI tools and technologies to enhance productivity and decision-making in professional settings highly desired.
Responsibilities
- 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.
- Assist in training more junior level Underwriters (Level II).
- Work independently to prioritize work, meet deadlines, and achieve standards (Level II).
- Prepare retrospective settlements (Level II).
- Analyze reinstatement requests to grant or deny approval (Level II).
- Advise internal teams on underwriting questions and issue resolution (Level II).
- Support management reporting efforts and the development of automated rating and analysis tools (Level II).
- Develop and prepare federal and state reporting documents (Level II).
- Answer questions regarding the basic factors used in developing rates (Level II).
- Proactively suggest alternative benefit options and determine rates for alternative benefit variations and more complex funding arrangements (Level III).
- Support all types of group clients, including self-funded companies, associations, and national accounts (Level III).
- Actively participate in the review and maintenance of underwriting guidelines (Level III).
- Conduct user acceptance testing of underwriting and front-end systems (Level III).
- Provide training to non-underwriting departments, including Sales, on underwriting policies and procedures as necessary (Level III).
- Use independent judgment to evaluate system-generated rate calculations for reasonability (Level III).
- 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 (Level III).
- Analyze large claims to proactively identify risk patterns and develop accurate pricing models (Level III).
- Assess health risk in a group environment, including large claim analysis for ongoing claim costs (Level III).
- Review and determine whether to grant exceptions to underwriting policy (Level III).
- Ensure proper administration of underwriting and legislative guidelines for new and renewing groups (Level III).
- Handle large volume production with account-specific issues (e.g., reinstatements, eligibility standards, group identification criteria) (Level III).
- Prepare rate breakouts and hierarchy definitions for group setups (Level III).
- Review and direct the preparation of experience reports for fiscal, ERISA, and retrospective premium settlements (Level III).
- May prepare written summaries of recommendations and/or conditions of coverage following each analysis (Level III).
- May prepare explanations of past rating history, documenting benefit and enrollment changes, and providing recommendations for benefit and financial options (Level III).
- Assist the Manager in the education and support of new and junior Underwriters (Senior).
- Leverage expertise in alternative funding models and benefit packages to proactively identify solutions and
About the role
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.
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.
Qualifications
- Underwriter I: Bachelor's degree in business, math, statistics, or related discipline; or equivalent combination of education and experience.
- Underwriter II: Bachelor's degree in business, math, statistics, or related discipline and a minimum of 3 years of related experience; or equivalent combination.
- Underwriter III: Bachelor's degree in business, math, statistics, or related discipline and a minimum of 5 years of related experience; or equivalent combination.
- Underwriter Senior: Bachelor's degree in business, math, statistics, or related discipline and a minimum of 8 years of related experience; or equivalent combination.
Skills
- Demonstrated analytical and problem-solving skills.
- Business acumen including finance, accounting, economics, and risk management principles.
- Effective verbal and written communication skills.
- Ability to build and maintain positive internal and external customer interactions.
- Ability to prioritize tasks and meet deadlines.
- Demonstrated technology proficiency, including Excel, Word, and applicable software applications.
- Experience with AI tools and technologies to enhance productivity and decision-making in professional settings highly desired.
Responsibilities
- 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.
- Assist in training more junior level Underwriters (Level II).
- Work independently to prioritize work, meet deadlines, and achieve standards (Level II).
- Prepare retrospective settlements (Level II).
- Analyze reinstatement requests to grant or deny approval (Level II).
- Advise internal teams on underwriting questions and issue resolution (Level II).
- Support management reporting efforts and the development of automated rating and analysis tools (Level II).
- Develop and prepare federal and state reporting documents (Level II).
- Answer questions regarding the basic factors used in developing rates (Level II).
- Proactively suggest alternative benefit options and determine rates for alternative benefit variations and more complex funding arrangements (Level III).
- Support all types of group clients, including self-funded companies, associations, and national accounts (Level III).
- Actively participate in the review and maintenance of underwriting guidelines (Level III).
- Conduct user acceptance testing of underwriting and front-end systems (Level III).
- Provide training to non-underwriting departments, including Sales, on underwriting policies and procedures as necessary (Level III).
- Use independent judgment to evaluate system-generated rate calculations for reasonability (Level III).
- 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 (Level III).
- Analyze large claims to proactively identify risk patterns and develop accurate pricing models (Level III).
- Assess health risk in a group environment, including large claim analysis for ongoing claim costs (Level III).
- Review and determine whether to grant exceptions to underwriting policy (Level III).
- Ensure proper administration of underwriting and legislative guidelines for new and renewing groups (Level III).
- Handle large volume production with account-specific issues (e.g., reinstatements, eligibility standards, group identification criteria) (Level III).
- Prepare rate breakouts and hierarchy definitions for group setups (Level III).
- Review and direct the preparation of experience reports for fiscal, ERISA, and retrospective premium settlements (Level III).
- May prepare written summaries of recommendations and/or conditions of coverage following each analysis (Level III).
- May prepare explanations of past rating history, documenting benefit and enrollment changes, and providing recommendations for benefit and financial options (Level III).
- Assist the Manager in the education and support of new and junior Underwriters (Senior).
- Leverage expertise in alternative funding models and benefit packages to proactively identify solutions and