Group H&A Underwriting

The Group H&A Underwriter in USGI's Health Underwriting department will evaluate group health insurance submissions, determine appropriate pricing and policy terms, and manage portfolio profitability while adhering to internal guidelines and regulatory standards. This role works closely with Sales, Claims, Actuarial, Reinsurance, and Operations to deliver timely decisions and support sustainable business expansion.

• Bachelor's degree in Finance, Business, Actuarial Science, or related field; advanced degree preferred.
• 5+ years of experience underwriting group health insurance or related commercial lines.
• Strong analytical skills with proficiency in risk assessment, pricing models, and financial analysis.
• In-depth knowledge of health insurance regulations, ACA provisions, and industry standards.
• Excellent communication and negotiation abilities to interact with internal teams and external clients.
• Proficiency with underwriting software and data analytics tools (e.g., Excel, SQL, predictive modeling platforms).
• Demonstrated ability to work collaboratively across Sales, Claims, Actuarial, Reinsurance, and Operations.
• Detail‑oriented with a commitment to maintaining high compliance and documentation standards.
• Professional certifications such as CPCU, ARM, or equivalent are a plus.
• Ability to manage multiple priorities in a fast‑paced environment and meet strict deadlines.
• Analyze group health insurance applications to assess risk exposure and determine appropriate pricing.
• Develop and negotiate policy terms, conditions, and endorsements in line with underwriting guidelines.
• Ensure all underwriting decisions comply with regulatory requirements and internal compliance standards.
• Collaborate with Sales to provide underwriting support and facilitate timely quote delivery.
• Partner with Claims and Actuarial teams to monitor loss experience and adjust pricing models as needed.
• Work with Reinsurance partners to structure appropriate reinsurance arrangements for large or high‑risk accounts.
• Maintain accurate underwriting documentation and update policy administration systems.
• Perform portfolio reviews to identify opportunities for profitability improvement and risk mitigation.
• Provide training and guidance to junior underwriters and other stakeholders on underwriting best practices.
• Prepare regular reports on underwriting performance, loss ratios, and market trends for senior management.