Senior Underwriter- Employee Benefits (Northern, CA)

EPIC Brokers•San Ramon, CA

8d•$135,000 - $150,000•Remote

About The Position

Come join our team! There are many reasons why EPIC Insurance Brokers & Consultants has become one of the fastest-growing firms in the insurance industry. Fueled and driven by capable, committed people who share common beliefs and values and “bring it” every day, EPIC is always looking for people who have “the right stuff” – people who know what they want and aren’t afraid to make it happen. Headquartered in New York City and founded in 2007, our company has over 3,000 employees nationwide. With locations spread out across the U.S., our local market knowledge and industry expertise helps support our clients' regional and global needs. We have grown very quickly since our founding, and we continue to see growth and success thanks to our hard-working and growth-minded employees. Our core values are: Owner mindset, Inspire trust, Think big, and Drive results. If these values and growth align with what you're looking for in your next career? Then consider joining our amazing team! The Senior Underwriter is a senior-level role responsible for evaluating, analyzing, and managing complex employee benefits underwriting and financial analytics for EPIC clients. This position partners closely with consultants, producers, and client service teams to deliver strategic, data-driven solutions for level funded and self-funded benefit programs. The Senior Underwriter leverages deep industry knowledge, advanced analytical skills, and strong carrier relationships to support client objectives. This role also provides mentorship and oversight to underwriting and analytical support staff and plays a key role in advancing EPIC’s value proposition.

Requirements

Advanced knowledge of employee benefits coverages and funding arrangements
Strong underwriting, financial modeling, and analytical skills
Ability to interpret and explain complex data to both technical and non-technical audiences
Excellent written, verbal, and presentation skills
Proven negotiation skills with carriers and vendors
Strong project management, prioritization, and time management abilities
Ability to work effectively both independently and collaboratively in a fast-paced environment
High attention to detail and commitment to accuracy
Proficiency in Microsoft Office applications, particularly Excel, Word, and PowerPoint
Ability to navigate carrier portals, data analytics platforms, and EPIC analytical tools
Bachelor’s degree required
Seven (7) or more years of experience in employee benefits underwriting, financial analysis, or a related role within a brokerage/consulting firm.
Demonstrated experience underwriting both fully insured and self-funded benefit programs
Active State Life and Health insurance license required (or ability to obtain within an agreed-upon timeframe)
Valid driver’s license required (for client and carrier travel)

Nice To Haves

Experience supporting mid-sized to large, multi-state clients preferred
Prior experience mentoring or leading junior underwriting or analytical staff strongly preferred

Responsibilities

Collaborate with consultants, producers, and account teams to prepare and deliver client-facing financial analyses and presentations
Assess complex client risk by analyzing demographics, claims experience, utilization, and market conditions
Apply underwriting judgment to develop sound recommendations
Project client claims experience to develop budgets, funding strategies, benefit costs, and IBNR reserves
Analyze and negotiate stop loss renewals and proposals for financial accuracy, contract terms, and competitiveness
Submit coverage specifications and obtain, compare, and evaluate quotes from potential stop loss carriers
Serve as the primary underwriting contact with carriers and vendors fostering and maintaining strong relationships
Prepare executive summaries that clearly communicate observations, conclusions, recommendations, and next steps
Utilize EPIC’s standard underwriting tools, templates, and analytical models to develop alternative strategies, plan modeling, and cost-saving opportunities
Identify opportunities to expand client relationships through additional product or service solutions
Support client retention by delivering high-quality underwriting support and consultative insights
Manage and provide guidance to underwriting and analytical support staff; mentor junior team members
Assist service teams in educating clients regarding utilization trends, experience reporting, carrier tools, and self-funding concepts
Stay current on industry trends, legislation, funding arrangements, and carrier product developments
Participate in internal initiatives, peer review processes, and special projects as assigned

Benefits

Generous Paid Time off
Managed PTO for salaried/exempt employees (personal time off without accruals or caps)
22 PTO days starting out for hourly/non-exempt employees
12 company-observed paid holidays
4 early-close days
Generous leave time options: Paid parental leave, pregnancy disability and bonding leave, and organ donor/bone marrow donor leave
Generous employee referral bonus program of $1,500 per hired referral
Employee recognition programs for demonstrating EPIC’s values plus additional employee recognition awards and programs (and trips!)
Employee Resource Groups: Women’s Coalition, EPIC Veterans Group
Professional growth & development: Mentorship Program, Tuition Reimbursement Program, Leadership Development
Unique benefits such as Pet Insurance, Identity Theft & Fraud Protection Coverage, Legal Planning, Family Planning, and Menopause & Midlife Support
Additional benefits include (but are not limited to): 401(k) matching, medical insurance, dental insurance, vision insurance, and wellness & employee assistance programs
50/50 Work Culture: EPIC fosters a 50/50 culture between producers and the rest of the business, supporting collaboration, teamwork, and an inclusive work environment. It takes both production and service to be EPIC!
EPIC Gives Back – Some of our charitable efforts include Donation Connection, Employee Assistance Fund, and People First Foundation