Underwriter , II, III, or Senior

Underwriter I, II, III, or Senior

Join the team at Cambia Health Solutions.

Hybrid schedule within Oregon, Washington, Idaho or Utah.

Build a career with purpose. Join our cause to create a person‑focused and economically sustainable health care system.

As a member of the Underwriting team, you evaluate each assigned group’s risk and attach the appropriate rate—all in service of creating an economically sustainable health care system.

• Underwriter I: Bachelor’s degree in business, math, statistics or related discipline, or equivalent education and experience.
• Underwriter II: Bachelor’s degree in business, math, statistics or related discipline and a minimum of 2 years related experience, or equivalent.
• Underwriter III: Bachelor’s degree in business, math, statistics or related discipline and a minimum of 4 years related experience, or equivalent.
• Underwriter Senior: Bachelor’s degree in business, math, statistics or related discipline and a minimum of 6 years related experience, or equivalent.

• Demonstrated analytical and problem‑solving skills.
• Business sense including finance, accounting, economics, and risk management principles.
• Effective verbal and written communication.
• Ability to build and maintain positive internal and external customer interactions.
• Ability to prioritize tasks and meet deadlines.
• Demonstrated technology proficiency, including Excel, Word, and applicable software applications.
• Experience with AI tools and technologies to enhance productivity and decision‑making in professional settings highly desired.

• Demonstrated success managing competing priorities and workload.

• Proficiency with complex computer software systems and automation.
• Ability to explain complex mathematical and abstract concepts to diverse stakeholders.

• Proven understanding of business: finance, accounting, economics, and risk management.
• High level of independent, consistent performance.
• Exceptional planning, prioritizing, and execution of complex assignments with minimal supervision.
• Deep understanding of market and competitive environment.

• Approve renewal changes after verifying rates and product selection.
• Audit both new and renewing groups as necessary.
• Determine rates for alternative benefit variations.
• Ensure group participation requirements are met.
• Prepare rate filings and maintain spreadsheet on group renewal history.
• Develop rate theses and memoranda for approved changes.
• Process renewal rate action and proposal closing paperwork.
• Support internal sales staff with underwriting questions and issue resolution.
• Communicate underwriting decisions to other departments when needed.

• Determine rates for alternative benefit variations and funding arrangements.
• Assist in training and mentoring junior underwriters.
• Prepare contingent premium settlements, rate quotations, and bid specifications.
• Process group financial settlement calculations and review exception requests.
• Support management reporting and automated rating tools development.

• Determine rates for complex funding arrangements and provide strategy on pricing.
• Maintain and update underwriting guidelines and rating policy.
• Test new rating, underwriting, and front‑end systems.
• Explain basic factors influencing rates (group size, benefit type, age/gender mix, large claims, prior carrier, current rates).
• Analyze group risk and large claim trend for renewals.
• Develop prospective and renewal rates in line with corporate and underwriting guidelines.
• Grant or deny exceptions to underwriting policy.
• Administer underwriting and legislative guidelines for new and renewing groups.
• Handle large volume production issues (e.g., reinstatements, eligibility standards, group ).
• Maintain knowledge of state and federal regulations affecting group rating.
• Prepare rate breakouts, hierarchy definitions, and experience reports for fiscal, ERISA, and contingent premium settlements.
• Review and direct preparation of…