Highmark Health Senior Underwriter in Helena, Montana
Job Description :
This job analyzes data such as type of industry, financial condition, and other characteristics to assess risk for a book of business consisting of moderately complex clients. Applies judgment when clients do not comply with established underwriting policies, practices and standards.
Responsible for a block of business (new or renewal) or for those new/renewing accounts assigned, including all rating methods.
Develop recommendations of policy adaptation and rating adjustments to cover questionable claim patterns or unusual situations not anticipated within standard pricing formulae.
Effectively communicate Underwriting rationale and case specific underwriting resultsto aid Sales Management in making effective pricing decisions.
Assist lower level Underwriters to successfully underwrite accounts requiring rating adjustment factors.
Support maintenance of departmental tools and processes.
Other duties as assigned.
- Bachelor's Degree in Mathematics, Actuarial Science, Finance, Business, Computer Science or other quantitative analysis discipline
- 6 years of related experience in lieu of a Bachelor's Degree
- 3 years of relevant underwriting experience
- 4 years of relevant underwriting experience
LICENSES OR CERTIFICATIONS
- Actively pursuing a relevant professional designation from an organization such as (but not limited to) HIAA/AMHC, CEBS, SOA
Ability to work independently and assume responsibility for moderately complex account situations without additional guidance
Understands the relationships between different systems and data sources
Can develop recommendations for issue resolution and discusses with higher level staff to determine best approach
Strong communication skills. Explains renewals and/or quotes in terms understood by internal audiences
Interacts with internal customers in a manner that fosters cooperation, teamwork and collaboration
Language (Other than English):
0% - 25%
PHYSICAL, MENTAL DEMANDS and WORKING CONDITIONS
Teaches / trains others regularly
Travel regularly from the office to various work sites or from site-to-site
Works primarily out-of-the office selling products/services (sales employees)
Physical work site required
Lifting: up to 10 pounds
Lifting: 10 to 25 pounds
Lifting: 25 to 50 pounds
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:
Pay Range Maximum:
Base 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 their race, color, age, religion, sex, national origin, sexual orientation/gender identity or any other category protected by applicable federal, state or local law. Highmark Health and its affiliates take affirmative action to employ and advance in employment individuals without regard to race, color, age, religion, sex, national origin, sexual orientation/gender identity, protected veteran status or disability.
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Req ID: J233133