Underwriter

Patriot Growth Insurance Services, LLC•Scottsdale, AZ

8d•$115,000 - $135,000•Hybrid

About The Position

As an Underwriter, you'll play a critical role in helping clients make informed benefits decisions through financial analysis, risk evaluation, and strategic plan design. Your work will directly influence benefit program performance, cost management, carrier selection, and long-term client outcomes. Partnering closely with consulting and account teams, you'll support mid-sized to large employer groups by analyzing claims data, modeling plan options, negotiating with carriers, and delivering insights that help clients balance employee needs with business objectives. This role offers the opportunity to combine analytical expertise with client-facing impact in a dynamic benefits consulting environment.

Requirements

Bachelor's degree in Risk Management, Insurance, Actuarial Science, Mathematics, or a related field.
5 to 7 years of experience within the employee benefits brokerage, consulting, or insurance industry.
Active Life, Accident, and Health insurance license, or the ability to maintain required licensure in accordance with role expectations.
Strong proficiency in Microsoft Excel, including data tables, data manipulation, and formula creation.
Proficiency in Microsoft Word and business reporting tools.
Experience with underwriting, financial modeling, claims analysis, and benefits plan evaluation.
Knowledge of insurance products, carrier negotiations, funding arrangements, benchmarking, and benefits marketplace dynamics.
Strong analytical, mathematical, problem-solving, communication, and organizational skills.
Ability to work flexible hours during peak business periods to meet client and project deadlines.

Nice To Haves

CSFS or comparable industry certification.
Advanced experience supporting large-group employee benefits programs.
Subject matter expertise in Health Care Reform, Consumer Driven Health Plans, and alternative funding strategies.
Experience presenting financial analyses and recommendations directly to clients.
Familiarity with advanced reporting, forecasting, and benefits analytics tools.

Responsibilities

Conduct underwriting, financial, and risk analysis to support consulting teams and client benefit strategies.
Develop plan design models and financial evaluations that help clients understand coverage options, funding arrangements, and projected costs.
Lead key components of the benefits marketing process, including data collection, RFP preparation, carrier coordination, proposal analysis, and presentation development.
Negotiate rates and plan options with insurance carriers to secure competitive and effective benefit solutions for clients.
Analyze claims experience, utilization patterns, benchmarking data, and plan performance to identify opportunities and risks.
Prepare employee contribution models, budgeting projections, and strategic recommendations that align with client goals.
Participate in client meetings and presentations to explain financial findings, plan design considerations, and carrier recommendations.
Stay current on insurance products, health care reform developments, consumer-driven health plans, alternative funding arrangements, and marketplace trends.

Benefits

Multiple medical plan options, with preventive care covered at 100%
Free virtual medical and mental healthcare for employees and their families, plus a dedicated healthcare concierge to help you navigate benefits, compare prescription costs, and make more confident, personalized care decisions
Employer-paid short-term and long-term disability coverage
Paid parental leave
Personalized PTO that lets you take time away when you need it, without traditional accruals, plus separate sick leave
Competitive 401(k) company match to help you build your financial future
Comprehensive dental and vision coverage
Employee Assistance Program with confidential mental health, legal, financial, and work-life support
medical, dental, and vision insurance
a 401(k) with company match
personalized time off and company paid holidays