Underwriter

Join Our Team as an Underwriter! Are you a detail-oriented professional with a knack for analyzing data and assessing risk?  We're seeking an Underwriter to evaluate group experience data and determine rates for dental and vision insurance products.  Collaborate with sales and account management teams to ensure seamless client interactions and contribute to our company's growth.  Apply now to be part of a dynamic team that values accuracy, collaboration, and customer satisfaction!

Position Summary

The primary responsibility of the Underwriter is to evaluate and analyze group experience data for both prospective and existing accounts to determine appropriate rates for dental and vision insurance products. This role requires strong technical proficiency in assessing risk, applying underwriting methodologies, and ensuring rate accuracy in accordance with company guidelines to support organizational profitability and growth.

The Underwriter collaborates closely with Sales, Account Management, and internal business partners to ensure pricing accuracy, data integrity, and seamless execution of deliverables across departments.

Additionally, the Underwriter will be responsible for maintaining and managing the underwriting workflow within the SONIC system. This includes monitoring workflow progress, updating task statuses, and verifying that all new group implementations and subsequent activities are processed accurately and efficiently through the system. The Underwriter will ensure data consistency, identify and resolves workflow exceptions, and partner with cross-functional teams to enhance automation and improve process efficiency.

This position handles cases of moderate complexity and escalates more complex or non-standard cases to the Senior Underwriter as appropriate.

Essential Functions and Job Responsibilities

1. Develops and evaluates rates for new business, renewals, and benefit plan changes. This work may include but is not limited to :

• Analyzing group experience to determine accurate rates for dental and vision insurance products;
• Applying underwriting guidelines and principles to assess risk and competitive positioning;
• Preparing rates in a timely and accurate manner;
• Collaborating with account management, ensuring alignment with client needs and company objectives.

2. Conducts actual-to-expected pricing analysis. This work may include but is not limited to :

3. Maintains and oversees SONIC workflow for new group implementation. This work may include but is not limited to :

4. Draft and customize contracts and benefit booklets. This work may include but is not limited to :

5. Collaborates with internal and external stakeholders. This work may include but is not limited to :

6. Participates in training and professional development. This work may include but is not limited to :

7. Supports team operations and other duties as assigned. This work may include but is not limited to :

Qualifications

Competencies

Environment

This position currently functions as a hybrid role working from both home and in-office environments. Any home office setting must be conducive to all guidelines outlined by the organization. This role is required to regularly attend in-person meetings, the frequency of which is determined by management based on departmental or organizational needs.

Physical and Other Demands

Specific vision abilities required by this job include the ability to adjust focus. While performing the duties of this job, the employee is regularly required to sit, talk and hear. The employee is frequently required to use hands and arms to handle, feel, reach and operate a computer. This job requires substantial typing.

The ability to manage multiple tasks and shift focus between tasks, screens, and systems is essential. The position requires the ability to work in a fast-paced environment and manage stress effectively.

DDMO provides reasonable accommodation to qualified individuals with a known disability unless doing so imposes an undue hardship.

Employees must be able to successfully perform the essential functions of this role with or without a reasonable accommodation.

Disclaimer

This job description is designed to provide a general overview of the requirements of the job and does not entail a comprehensive listing of all activities, duties or responsibilities that will be required. The organization reserves the right to modify this job description at any time; including assigning or reassigning job duties.

Equal Opportunity Employer

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.