Senior Underwriter Stop Loss

Position: Senior Underwriter Stop Loss-1
** Build a career with purpose. Join our*
* ** to create a person-focused and economically sustainable health care system.
** Every day, Cambia’s dedicated team of Stop Loss Underwriters is living our mission to make health care easier and lives better. As a member of the Stop Loss Underwriting team, our Stop Loss Underwriters Evaluate each assigned group's risk and attaches the appropriate rate. Underwrites a profitable book of business and services all business to target profitability objectives and marketing objectives – all in service of creating a person-focused health care experience.
* Demonstrated ability to exercise sound judgment, initiative and discretion in a mature, sensitive and confidential manner.
* Highly developed business sense (finance, accounting, economics, risk management)
* Proven attention to detail and accuracy in data entry and other administrative tasks.
* Computer skills including experience using Microsoft Office (Word, Excel, Outlook) or comparable software and ability to learn and use complex systems.
* Ability to organize, prioritize and manage multiple tasks with little supervision.
* Demonstrated ability to establish effective working relationships with coworkers and customers and to work well both independently and on a team.
* Ability to communicate effectively both orally and in writing.
* Knowledge of medical terminology.
* Demonstrated strong problem-solving skills and ability to investigate and resolve complex issues.
* Demonstrated ability to consistently meet productivity and quality standards with minimal support.
* Demonstrated ability to think analytically and apply analytical techniques.
* Experience with AI tools and technologies to enhance productivity and decision-making in professional settings highly desired
* Demonstrated competency in reading the marketplace with regard to rate sensitivity.
* Demonstrated ability to think analytically, apply analytical techniques and to provide in-depth analysis and recommendations using critical thinking and sound judgment.
* Advanced demonstrated competency in explaining complex mathematical and abstract concepts to lay personnel.
* Demonstrated competency in project management and ability to oversee work programs.
* Comfortable working with complex computer software systems.
* Ability to maintain a positive professional interaction with both internal and external customers.
* Experience with AI tools and technologies to enhance productivity and decision-making in professional settings highly desired
* Ensures that the risks are appropriate and consistent with the underwriting guidelines and policies.
* In conjunction with the nurse, reviews large or ongoing claim concerns and adjusts rates or sets lasers appropriately.
* Actively involved with testing new rating, underwriting and front-end systems.
* Calculates the reserve for unreported and unpaid claims by analyzing the group's utilization and run out patterns, enrollment trends and other factors applicable to the group.
* In calculating rates, reviews group's prior experience, benefit utilization patterns, group size, age/gender composition, group's plan of benefits (past and current), type of industry and administrative costs.
* Prepares marketable rates for optional benefits on existing and prospective contracts by analyzing statistical data to determine a balance between income and costs.
* Prepares rates for contract renewals, proposals, and benefit modification by analyzing statistical data using professional experience and subjective judgment, relying heavily on analysis of base period projections and linear regression.
* Work alongside diverse teams building cutting-edge solutions to transform health care.
* Earn a competitive salary and enjoy generous benefits while doing work that changes lives.
* Grow your career with a company committed to helping you succeed.
* Give back to your community by participating in Cambia-supported outreach programs.
* Connect with colleagues who share similar interests and backgrounds through our employee resource groups.
* Medical, dental and vision coverage for employees and their eligible family members, including mental health benefits.
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