Contract Surety Home Office Underwriting Director overseeing underwriting standards and maintaining a loss - free portfolio. Leading a team while engaging with regional offices and C&F leadership.
About the role
- Underwriting Specialist at Prudential assessing and managing voluntary supplemental health insurance risks. Engaging with clients to enhance underwriting and business decision processes.
Responsibilities
- Assesses, calculates and specifies the conditions under which Prudential is willing to accept risk on Voluntary Supplemental Health, for current and prospective clients
- This includes, but is not limited to, the review and utilization of demographic data, actual case specific experience, product filings, statutory requirements and Prudential’s current premium refund formula and policies
- Communicates and partners with sales representatives, account managers, brokers, clients and prospective clients regarding case issues, underwriting assessments, pricing, rating etc. with a client focus
- Actively engages in supporting the positive consultative outcomes crucial to our long-term success by enhanced application of growing underwriting and business expertise
- Assists in the analysis and/or handling of complex situations with increased focus on client and company objectives demonstrating comprehension of underwriting and business dynamics
- Determines whether to accept, modify, or decline a risk through evaluation of the client’s employee census data, claims history, and other pertinent information within guidelines such as rating formula’s, product filings and statutory requirements
- Independently applies Underwriting judgment, formulates pricing decisions, negotiates within their authority limit, and handles standard to complex reporting requests
- Understands and applies current pricing strategy across the book of business
- Works closely with sales staff, brokers and clients to discuss financial results and support or directly engage in the negotiation process
- Manage ad hoc projects, and or participate in periodic process and technical design work to improve service, efficiency, or profitability
- Confidently and effectively communicates point of view through both verbal and written communications and negotiates with internal/external partners in various roles
- Demonstrates an awareness of regional trends, competitive landscape and factors that influence the marketplace and regulatory environment
- Strong ability to help others gain an understanding of the underwriting process, including case reviews, identifying training needs and developing and delivering training
- Demonstrates problem solving skills on risk and service-related issues, and broad institutional knowledge in the development of solutions
Requirements
- Group underwriting experience in Voluntary benefits, preferably 4+ years
- Bachelor’s degree or equivalent work experience
- Ability to work independently
- Strong time management and organizational skills
- Ability to prioritize work with limited oversight
- Strong Analytical and mathematical skills
- Excellent communication and collaboration skills
- Ability to develop strong working relationships
Benefits
- Medical, dental, vision, life insurance, disability insurance
- Paid Time Off (PTO)
- 401(k) plan with company match (up to 4%)
- Company-funded pension plan
- Wellness Programs including up to $1,600 a year for reimbursement of items purchased to support personal wellbeing needs
- Work/Life Resources to help support topics such as parenting, housing, senior care, finances, pets, legal matters, education, emotional and mental health, and career development
- Education Benefit to help finance traditional college enrollment toward obtaining an approved degree and many accredited certificate programs
- Employee Stock Purchase Plan: Shares can be purchased at 85% of the lower of two prices (Beginning or End of the purchase period), after one year of service
- Eligibility to participate in a discretionary annual incentive program is subject to the rules governing the program.
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