SeniorUnderwriter

## **Company :** Highmark Inc. ## **Job Description :** **JOB SUMMARY** This role serves as the primary point of contact for sales teams and assigned customers, delivering data-driven insights and recommendations to facilitate client acquisition and retention while achieving performance goals. Analyzes client data including industry type, financial condition, risk scores, and demographic information to assess risk and profitability for a book of business consisting of moderately complex clients. They apply independent judgment when clients do not align with established underwriting policies, practices, and standards, providing financial and risk management support to sales and strategic insight to the organization. **ESSENTIAL RESPONSIBILITIES** * Work cross-functionally to manage a portfolio of clients, applying all relevant rating methods and owning the underwriting engagement from initial identification through documentation of final sold-contract details. * Collaborate with cross-functional teams on client-level quotes, acting as a trusted advisor to sales by providing clear and confident communication of underwriting's position on each client's risk profile. * Proactively analyze quote details, client understanding, and regional insights to deliver optimal recommendations to sales, identifying opportunities and potential concerns while maintaining an independent perspective. * Develop recommendations for policy adaptation and rating adjustments to address questionable claim patterns, unusual situations, or other factors not anticipated within standard pricing models. * Maintain accurate book management details, including concession budget. * Assess risk utilizing various measures such as risk scores, demographic analysis, and turnover considerations. * Utilize an in-depth understanding of the department and the company's strategic goals and competitive position to drive client-level results towards these ends. * Actively work with the sales team to manage the c