Individual Underwriter II

Position Description

Base pay is influenced by several factors including a candidate's qualifications, relevant experience, and anticipated contributions to meet the needs of the business, along with internal pay equity and external market driven rates. The salary range displayed has not been adjusted for geographical location. This range has been created in good faith based on information known to Capital Blue Cross at the time of posting and may be modified in the future. Capital Blue Cross offers a comprehensive benefits packaging including Medical, Dental & Vision coverage, a Retirement Plan, generous time off including Paid Time Off, Holidays, and Volunteer time off, an Incentive Plan, Tuition Reimbursement, and more.

At Capital Blue Cross, we promise to go the extra mile for our team and our community. This promise is at the heart of our culture, and it's why our employees consistently vote us one of the "Best Places to Work in PA."

The position is responsible for performing complex analyses related to group renewals, prospect quotes, and customer settlements. This role independently develops rate recommendations, evaluates underwriting risk for medically underwritten Medicare supplement applications, and ensures consistency with Capital Blue Cross underwriting guidelines, policies, and procedures. The incumbent serves as a key resource within the unit, supporting a variety of financial and analytical functions with limited direction. Advanced mathematical, financial, and analytical skills are applied to evaluate data, model outcomes, and formulate well-supported recommendations that achieve business and financial objectives. Strong communication and consultative skills are used to collaborate with internal partners and provide guidance on underwriting and rate decisions.

Responsibilities and Qualifications

Independently review and analyze renewals and rate exception requests; develop and present rate recommendations to management for

• Review complex rate exception requests for prospect groups; evaluate data trends, market competitiveness, and risk to support pricing
• Serve as a key contact for Sales, Sales Management, and Underwriting Management, providing consultative support and data-driven
• Interpret and review financial contract language to ensure accuracy and compliance prior to settlement
• Perform detailed settlement reviews; identify anomalies, conduct root cause analysis, and document findings and corrective
• Review and assess complex or borderline Medicare supplement applications; apply advanced judgment to risk rating
• Mentor or assist less experienced analysts in data interpretation, underwriting practices, and analysis
• Respond to escalated inquiries concerning underwriting or rate decisions, providing clear rationale and

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About Us

We recognize that work is a part of life, not separate from it, and foster a flexible environment where your health and wellbeing are prioritized. At Capital you will work alongside a caring team of supportive colleagues and be encouraged to volunteer in your community. We value your professional and personal growth by investing heavily in training and continuing education, so you have the tools to do your best as you develop your career. And by doing your best, you'll help us live our mission of im