[Remote] Senior Underwriting Consultant, Financial Protection - Remote

Note: The job is a remote job and is open to candidates in USA. UnitedHealthcare is hiring a Senior Underwriting Consultant for E&I Financial Protection products. The role analyzes plan characteristics and risk, applies underwriting criteria and pricing methodologies, develops alternative pricing and plan design recommendations, and balances profitability with sales growth.

Responsibilities

• Prepare financial modeling for reserve calculation, budget calculation, and other ongoing reviews that directly aligns with client strategies
• Risk evaluation skills of Life, LTD, STD and supplemental health products on a manual and experience rated basis
• Validate - Evaluate renewals and new business request for proposals for accuracy for all size groups
• Deliver competitive and consultative proposals and renewal analysis to obtain and persist the inforce block
• Conduct competitive analysis of all coverage lines and present financial and contractual findings
• Serves as a functional subject matter expert, providing trusted guidance and acting as a key resource to senior leadership
• Serve as a mentor to junior underwriters, fostering professional growth through training, feedback, and collaboration on complex underwriting cases

Skills

• 7+ years of experience in group insurance underwriting for any variety of products: Group Life, Long Term Disability (LTD), Short Term Disability (STD), and Supplemental Health for Voluntary and Employer Paid plan designs
• Large case underwriting incorporating group experience in development of pricing
• Experience in coordinating in development of training and mentoring others
• Mastery of products including product and contract provisions, plan designs, pricing and various funding arrangements
• Intermediate level of proficiency with MS Office suite (including Word and Excel)
• Demonstrated success collaborating with internal and external partners to develop appropriate case strategies
• Experience contributing to process improvements, automation, or standardization initiatives
• Experience with involvement in underwriting guidelines development or governance
• Demonstrated ability to communicate underwriting rationale to business leaders, sales, and actuarial partners
• Proven track record of influencing decisions in ambiguous or high-stakes situations

Benefits

• A comprehensive benefits package (subject to eligibility requirements)
• Incentive and recognition programs (subject to eligibility requirements)
• Equity stock purchase (subject to eligibility requirements)
• 401k contribution (subject to eligibility requirements)
• Remote work from anywhere within the U.S.; hires in the Minneapolis or Washington, D.C. area are required to work in the office a minimum of four days per week.

Company Overview

Company H1B Sponsorship