Senior Underwriter, E&I - Minnetonka, MN Preferred

UnitedHealth Group•Minnetonka, MN

12d•$60,200 - $107,400•Remote

About The Position

The Large Group Senior Underwriter for Employer & Individual plays a critical role in evaluating risk, developing competitive pricing strategies, and supporting profitable growth within the employer-sponsored health benefits market. This position analyzes large group new business and renewal opportunities, including claims experience, enrollment, demographics, plan design, industry trends, geographic considerations, and other key risk factors to determine appropriate pricing and financial recommendations. The role requires the ability to interpret complex financial and utilization data, apply sound underwriting judgment, and translate findings into clear recommendations that support both customer objectives and organizational performance goals. In addition to case-level analysis, the Senior Underwriter is expected to contribute to broader market strategy by identifying emerging risk patterns, supporting pricing consistency, and collaborating with cross-functional partners to address business challenges. Success in this role depends on strong technical expertise, professional communication, attention to detail, and the ability to manage competing priorities in a deadline-driven environment. You’ll enjoy the flexibility to work remotely from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.

Requirements

2+ years of underwriting experience, preferably with exposure to employer group pricing, renewal analysis, or financial risk evaluation
Experience working with numerical data, applying analytical reasoning, and making recommendations based on established guidelines and business context
Proficiency with Microsoft Office products, including Excel, Word, and PowerPoint, with the ability to organize data, prepare analysis, and communicate results clearly

Nice To Haves

2+ years of financial underwriting experience in the healthcare industry, particularly with large group, key account, or complex employer-sponsored business
Proven solid organizational skills with the ability to manage multiple priorities, competing deadlines, and high-volume workloads while maintaining accuracy
Proven high attention to detail, commitment to quality, and ability to identify inconsistencies, data concerns, or risk factors that may impact pricing decisions
Proven effective negotiation, communication, and relationship-building skills, with the ability to explain technical underwriting concepts to both technical and non-technical audiences
Proven ability to work independently while also contributing to a collaborative team environment focused on continuous improvement and business partnership

Responsibilities

Analyze large group new business and renewal opportunities by reviewing claims experience, enrollment, demographics, plan design, industry, geographic factors, utilization patterns, and other relevant risk indicators
Develop competitive and financially sound pricing recommendations using established underwriting guidelines, rating tools, actuarial assumptions, approved authority levels, and market-specific considerations
Evaluate benefit changes, funding arrangements, contractual terms, guarantees, contribution strategies, and other plan variables to assess financial impact and support informed decision-making
Partner with Sales, Account Management, Actuarial, Finance, Product, and Market leadership to explain pricing results, identify risk considerations, and recommend strategies that balance competitiveness, customer needs, and profitability
Prepare and support request for proposal responses, renewal exhibits, rate actions, benefit alternatives, underwriting narratives, and customer-facing explanations as needed
Negotiate and communicate pricing, fees, assumptions, financial terms, and risk considerations with internal partners while maintaining alignment with underwriting policy, authority limits, and business objectives
Monitor case activity, renewal timelines, and deliverables to ensure accurate and timely completion of underwriting work in support of service expectations and market commitments
Serve as a technical subject matter expert and mentor by sharing underwriting knowledge, supporting process improvements, answering complex case questions, and helping promote consistency across the underwriting team