JOB SUMMARY
This job serves as a point of contact for sales teams and assigned customers, delivering insights and recommendations to aid customer acquisition and retention while maintaining performance goals. This role analyzes data such as type of industry, financial condition, and other characteristics to assess risk for a book of business consisting of standard small and mid-sized clients in conformance with established underwriting policies, practices, and standards. May prepare a variety of reports to support developed rating actions. The incumbent will collaborate with cross-functional team members on client-level quotes and function as a trusted advisor by providing financial and risk management support to sales as well as strategic insight.
ESSENTIAL RESPONSIBILITIES
Work with the sales team and underwriting peers and leaders to manage a portfolio of clients, including all rating methods and owning the underwriting engagement from initial identification through documentation of final sold-contract details.
Serve as the accountable owner for all quotes delivered to sales partners. Develop a perspective on each client package deliverable. Clearly communicate underwriting’s position on the risk profile of each client.
Respond to questions and draw insights from quote details, client understanding, and regional insights to deliver the best possible recommendation to sales. State and maintain an independent perspective, identifying opportunities and concerns.
Calculate rates utilizing company rating algorithms, adjusting accordingly to cover questionable claim patterns or unusual situations not otherwise contemplated within the standard formula.
Maintain accurate book management details, including concession budget.
Assess risk by looking at various risk measures such as risk scores, demographic analysis, and turnover considerations.
Utilize a basic understanding of the department and the company's strategic goals and competitive position to drive client-level results towards these ends.
Communicate case-specific underwriting results with other internal departments.
Complete workload within established production and timeliness standards.
Perform administrative tasks and aide in workload coordination.
Other duties as assigned or requested.
EDUCATION
Required
Preferred
None
EXPERIENCE
Required
2 years of relevant underwriting, risk management, or actuary experience applying advanced mathematics or quantitative analysis
Preferred
1 year of health care underwriting, risk management, actuary work, or of applying advanced mathematics.
LICENSES or CERTIFICATIONS
Required
None
Preferred
None
SKILLS
Understanding of health products, services, risk assessment and techniques
Consultative mindset
Strong Oral and Written Communications skills
Language (Other than English):
None
Travel Requirement:
0% - 25%
PHYSICAL, MENTAL DEMANDS and WORKING CONDITIONS
Position Type
Office-based
Teaches / trains others regularly
Rarely
Travel regularly from the office to various work sites or from site-to-site
Occasionally
Works primarily out-of-the office selling products/services (sales employees)
Never
Physical work site required
Yes
Lifting: up to 10 pounds
Constantly
Lifting: 10 to 25 pounds
Rarely
Lifting: 25 to 50 pounds
Never
Disclaimer: The job description has been designed to indicate the general nature and essential duties and responsibilities of work performed by employees within this job title. It may not contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees to do this job.
Compliance Requirement: This job adheres to the ethical and legal standards and behavioral expectations as set forth in the code of business conduct and company policies.
As a component of job responsibilities, employees may have access to covered information, cardholder data, or other confidential customer information that must be protected at all times. In connection with this, all employees must comply with both the Health Insurance Portability Accountability Act of 1996 (HIPAA) as described in the Notice of Privacy Practices and Privacy Policies and Procedures as well as all data security guidelines established within the Company’s Handbook of Privacy Policies and Practices and Information Security Policy.
Furthermore, it is every employee’s responsibility to comply with the company’s Code of Business Conduct. This includes but is not limited to adherence to applicable federal and state laws, rules, and regulations as well as company policies and training requirements.
Pay Range Minimum:
$62,700.00Pay Range Maximum:
$97,200.00Base pay is determined by a variety of factors including a candidate’s qualifications, experience, and expected contributions, as well as internal peer equity, market, and business considerations. The displayed salary range does not reflect any geographic differential Highmark may apply for certain locations based upon comparative markets.
Highmark Health and its affiliates prohibit discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibit discrimination against all individuals based on any category protected by applicable federal, state, or local law.
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