Consulting Underwriter - Remote Available

You could be the one who changes everything for our 26 million members as a clinical professional on our Medical Management/Health Services team. Centene is a diversified, national organization offering competitive benefits including a fresh perspective on workplace flexibility.

Applicants for this position have the flexibility to work remotely.
Position Purpose: Under minimal supervision, the Consulting Underwriter serves as an expert consultant on matters pertaining to underwriting, rate development and all other financial considerations. The Consulting Underwriter’s responsibilities encompass all functions performed at the senior underwriter level, with an emphasis on a more complex and challenging account assignment as follows: provides underwriting services to group clients to determine premium rates for employer groups and ensures these groups remain on a profitable basis. Included is the ability to generate community rates, experience adjusted community rates and pure experience rates for their assigned book of business, including the largest and most prestigious customers.

• Prepares underwriting of premium rate and Flex Funding/ASO proposals.
• Provides integral support to Sales in client presentations, negotiation and sale of renewals and new business proposals.
• Gathers and examines appropriate documentation and data necessary to develop premium rate and Flex Funding/ASO proposals, including the evaluation of other carrier claims experience and appropriate blending with community rates.
• Maintains appropriate documentation and special reports as required. Maintains underwriting files in Health Net’s nationally accepted format.
• Constructs final renewal rate packages and reports financial findings to the Sales Department in a precise and easily understandable format. Writes letters and reports, explaining renewals and detailed technical issues to both customers and other departments while acting as the financial arm of the Renewal/Sales team. In this regard, works closely, on a proactive basis, with Sales to develop renewal and proposal strategies for large groups, explain renewals, obtain information, and participate with team building.
• Proactively works with the director and vice-president to identify evolving market, system and/or workflow issues.
• Writes internal management summaries for case review and/or appeals.
• Prepares initial underwriting and renewal rates for all HIS products, employing underwriting judgment and ensuring compliance with underwriting regulations and current rate filings.
• Gathers and examines appropriate documentation and data required to calculate and produce a rate renewal package including running IRMA reports and queries and/or Flex Funding/ASO renewals.
• Schedules, monitors and controls all renewal activity for assigned book of business.
• Participates in special projects within the Underwriting Department or on cross-departmental teams as required to respond to customer issues, legislation, and/or product development.
• Proactively works with customers in a consultative fashion to identify, develop and deliver value-added underwriting services.
• Recommends acceptance or rejection of group applications on the basis of underwriting guidelines, practices and risk analyses.
• Provides assistance and counsel to underwriters and develops and provides general and specific training as required for account executives and account managers.
• Makes independent renewal decisions in accordance with underwriting authority limit guidelines and performs in the peer review function for associate underwriters, underwriters, and senior underwriters.
• Consults with other departments such as Actuarial, Legal and Product Development, and participates in project meetings with other departments as required.

Education/Experience: Bachelor’s Degree from an accredited four-year institution. Minimum four years related experience and/or training, with one to two years as a Senior Underwriter or Benefits Consultant preferred. Experience working with PCs is required, including experience in a Microsoft Windows environment with applications such as Word and Excel; other system knowledge is beneficial.
License/Certification: HIAA or CEBS certification preferred

Pay range: $82,600 to $148,700 per year

This information reflects the anticipated base salary range for this position based on current national data. Minimums and maximums may vary based on location. Actual pay will be adjusted based on an individual's skills, experience, education, and other job-related factors permitted by law. The employee may be eligible for bonuses and other forms of compensation.

Our Comprehensive Benefits Package: Flexible work solutions including remote options, hybrid work schedules and dress flexibility, Competitive pay, Paid time off including holidays, Health insurance coverage for you and your dependents, 401(k) and stock purchase plans, Tuition reimbursement and best-in-class training and development.

Centene is an equal opportunity employer that is committed to diversity, and values the ways in which we are different. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or other characteristic protected by applicable law.