Senior Underwriter - Remote

At UnitedHealthcare, we’re simplifying the health care experience, creating healthier communities and removing barriers to quality care. The work you do here impacts the lives of millions of people for the better. Come build the health care system of tomorrow, making it more responsive, affordable and equitable. Ready to make a difference? Join us and start doing your life's best work.(sm)

Positions in this job family are related to determining premium rates. This function uses underwriting principles, financial and statistical modeling, and trend projections to lead and/or support the development of the organization's pricing and rate setting process. This function analyzes risks and selects proper categories and rates. The distinction between pricing and underwriting versus actuarial is underwriting is the sales side determining premiums.

Positions in this function are responsible for assessing and pricing the financial risk associated with group or individual prospective and renewing cases.

General Job Profile

Generally work is self-directed and not prescribed
Works with less structured, more complex issues
Serves as a resource to others

You’ll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges.

Primary Responsibilities:

Assesses and interprets customer needs and requirements
Identifies solutions to non-standard requests and problems
Solves moderately complex problems and/or conducts moderately complex analyses
Works with minimal guidance; seeks guidance on only the most complex tasks
Translates concepts into practice
Provides explanations and information to others on difficult issues
Coaches, provides feedback, and guides others
Acts as a resource for others with less experience

You’ll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.

Required Qualifications:

Undergraduate degree or equivalent experience
Ability to apply appropriate rating (e.g., manual; experience; or expense rates) consistent with set guidelines (e.g., state and federal mandates; internal guidelines) and assessed risk (e.g., medical conditions; demographic characteristics) to determine final pricing
Ability to create and/or analyze reports to understand performance and make recommendations on potential adjustments (e.g., pricing; benefit changes)
Ability to gather data/provide input to help determine or support overall potential pricing changes -Review applicable reports (e.g., large claims) to identify individual ongoing medical concerns and risks
Ability to ensure that appropriate documentation is in place (e.g., demographic information; claim information; required level of authority) to ensure appropriate approvals or review processes have been obtained

Preferred Qualifications:

Ability to seek information from relevant stakeholders (e.g., sales representatives; clients) to understand broker and/or customer needs
Ability to negotiate with internal and external partners regarding price, contractual terms, and/or guarantees
Ability to communicate pricing recommendations, rationale, and impact (e.g., block of business; financial performance) to applicable stakeholder groups (e.g., health plan providers; sales team; brokers; consultants; management; customers)
Ability to work with finance and actuarial departments to project future revenues and claims

Careers at UnitedHealthcare Employer & Individual. We all want to make a difference with the work we do. Sometimes we're presented with an opportunity to make a difference on a scale we couldn't imagine. Here, you get that opportunity every day. As a member of one of our elite teams, you'll provide the ideas and solutions that help nearly 25 million customers live healthier lives. You'll help write the next chapter in the history of health care. And you'll find a wealth of open doors and career paths that will take you as far as you want to go. Go further. This is your life's best work.(sm)

California, Colorado, Connecticut, Nevada, New York City, or Washington Residents Only: The salary range for California, Colorado, Connecticut, Nevada, New York City, or Washington residents is $56,300 to $110,400. Pay is based on several factors including but not limited to education, work experience, certifications, etc. In addition to your salary, UnitedHealth Group offers benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with UnitedHealth Group, you’ll find a far-reaching choice of benefits and incentives.

•All employees working remotely will be required to adhere to UnitedHealth Group’s Telecommuter Policy

At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.

Diversity creates a healthier atmosphere: UnitedHealth Group is an Equal Employment Opportunity/Affirmative Action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.

UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment.