Sr. Underwriter OR AVP, A&H Captives Underwriting

Skyward Specialty

2d•$100,000 - $170,000•Remote

About The Position

The Senior Underwriter OR AVP is responsible for underwriting new and renewal medical stop-loss accounts at a profitable level. This role involves managing relationships with producers and customers to ensure alignment with overall company stop-loss goals. The Senior Underwriting position works closely with the other team members in the region and with the sales team to identify business and producers that most closely meet our underwriting acumen.

Requirements

Bachelor’s Degree preferred.
5+ years of experience underwriting medical stop-loss required.
In-depth knowledge of underwriting principles, risk assessment, and regulatory requirements.
Proven track record of developing and implementing successful underwriting strategies and policies.
Strong analytical and decision-making skills, with the ability to evaluate complex transactions.
Ability to prioritize and balance a dynamic workload.
Strong communication and interpersonal skills, with the ability to build relationships with internal and external stakeholders.
Proficiency in underwriting software (Connexure/ESL preferred) and other relevant technology.

Nice To Haves

Preferred experience underwriting reference-based pricing, captives, and/or small group programs.
Professional certifications (HIAA, CEBS, FMLI, etc.) beneficial.
Some travel may be required for trainings and/or meetings (less than 10%).

Responsibilities

Evaluate risk for in-force business and new business prospects.
Make decisions to quote or decline to quote and develop premium rates in accordance with underwriting guidelines and authority limits.
Develop and communicate new business or renewal rate recommendations and decisions in line with underwriting authority limits.
Prepare and generate correspondence, proposals, and other reports as needed.
Provide detailed explanations to Skyward A&H clients regarding conditions and requirements of quotes, rating decisions, and other information to support the sale of new and renewal business.
Coordinate medical reviews with the clinical risk management team and make recommendations regarding the level of acceptable risk.
Negotiate rates, terms, and conditions for new and existing business.
Manage the new business and renewal book to balance profitability and growth.
Process sold accounts and confirmed renewals following established procedures.
Develop and maintain relationships with clients, producers, and sales representatives to support the company’s production goals and persistency.
Support Skyward A&H growth initiatives related to reference-based pricing, captive, and small group programs.
Review plan design and calculate rates for requested or recommended plan changes.
Provide competitive feedback on rates, products, pricing, and marketing strategies.
Make presentations to peers, producers, and leadership as necessary.
Utilize departmental tools, experience, and judgment during the underwriting process to set pricing, review risk, negotiate, and accomplish goals.
Assist associate underwriters with training and peer review.
Perform other duties as assigned.
Stay current with industry trends, regulatory changes, and competitive landscape to ensure the company remains at the forefront of underwriting practices.
Participate in training sessions and professional development opportunities.