Job Description

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Sr Underwriter, Mid-Market Accts based in the United States. This is a full-time remote opportunity focused on underwriting complex mid-market employee benefits accounts. You’ll evaluate cases covering approximately 1,000–4,999 lives and use advanced underwriting expertise to balance risk, pricing, profitability, and long-term customer relationships. The role requires strong judgment when assessing complex risks and developing strategic solutions for evolving market conditions. You’ll analyze economic and financial trends to inform pricing and retention strategies while considering the broader impact of underwriting decisions. As a senior member of the underwriting organization, you’ll serve as a subject-matter expert and mentor to other underwriting professionals. You’ll collaborate across departments to ensure decisions support both customer needs and broader business objectives. This role is well suited to an experienced employee benefits underwriter who combines technical expertise with strategic thinking, adaptability, and a customer-focused approach. Accountabilities - Underwrite complex mid-market employee benefits cases covering approximately 1,000–4,999 lives, applying sound risk assessment and underwriting judgment. - Evaluate risk factors, financial information, market conditions, and relevant account characteristics to develop appropriate pricing and retention strategies. - Apply advanced knowledge of underwriting guidelines, procedures, contract provisions, and applicable state insurance statutes when evaluating cases. - Develop long-term underwriting solutions designed to support profitable growth, sustainable customer relationships, and the overall health of the business portfolio. - Analyze economic and financial trends and incorporate relevant insights into pricing, risk selection, and account-retention decisions. - Anticipate changes in market conditions and adjust underwriting strategies and recommendations as new information becomes available.

- Partner with colleagues and cross-functional teams to ensure underwriting decisions account for broader business and enterprise considerations. - Serve as a subject-matter expert on complex underwriting matters and provide guidance on challenging cases. - Mentor and support other underwriters, sharing expertise and helping strengthen technical capabilities and decision quality across the team. - Independently manage priorities, move work forward, and remain accountable for underwriting objectives and deliverables. - Build and maintain positive relationships with internal and external customers by delivering thoughtful, responsive, and value-focused solutions. Requirements - Bachelor’s degree preferred; high school diploma or equivalent required. - At least 6 years of progressively responsible experience in employee benefits underwriting . - Approximately 3–5 years of experience underwriting Life, Short-Term Disability (STD), and Long-Term Disability (LTD) products. - Strong knowledge of underwriting guidelines, procedures, contract provisions, and applicable state insurance regulations. - Demonstrated ability to evaluate complex risks and make sound, strategic underwriting decisions. - Experience working with mid-market or regional account underwriting environments is preferred. - Previous experience mentoring, coaching, or supporting the professional development of other underwriters. - Strong analytical skills and the ability to interpret economic, financial, and market information when making underwriting decisions. - Ability to balance profitability, risk considerations, customer needs, and long-term account relationships. - Strong adaptability and willingness to adjust priorities, approaches, and recommendations as circumstances or information change.

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