Cambia Health Solutions
Underwriter I, II, III, or Senior
Cambia Health Solutions, Portland, Oregon, United States, 97204
Underwriter I, II, III, or Senior
Join the team at Cambia Health Solutions.
Work Schedule Hybrid schedule within Oregon, Washington, Idaho or Utah.
Company Overview Build a career with purpose. Join our cause to create a person‑focused and economically sustainable health care system.
About Role 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.
Qualifications
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.
Skills and Attributes
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.
Additional Requirements – Underwriter II
Demonstrated success managing competing priorities and workload.
Additional Requirements – Underwriter III
Proficiency with complex computer software systems and automation.
Ability to explain complex mathematical and abstract concepts to diverse stakeholders.
Additional Requirements – Underwriter Senior
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.
What You Will Do
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.
Additional Responsibilities – Underwriter II
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.
Additional Responsibilities – Underwriter III
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 ID criteria).
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 experience reports and solution summaries for groups.
Provide written summaries and condition of coverage after each analysis.
Document past rating history and recommend benefit and financial options.
Additional Responsibilities – Underwriter Senior
Assist the Manager in educating new underwriters and contribute to productivity.
Attend broker meetings and meetings with sales executives, agents, and groups to explain rating principles or rationale.
Contribute to new rating formulas, methodologies, and guidelines development.
Represent underwriting on Cambia workgroups and strategy sessions and serve as department representative where applicable.
Salary Ranges
Underwriter I:
$21.30 – $37.70 per hour.
Underwriter II:
$53,000 – $88,000 per year.
Underwriter III:
$64,000 – $106,000 per year.
Underwriter Senior:
$78,000 – $128,000 per year.
Benefits
Medical, dental and vision coverage for employees and eligible family members, including mental health benefits.
Annual employer contribution to a health savings account.
Generous paid time off, company‑paid holidays.
Market‑leading retirement plan with 401(k) match and discretionary contributions.
Up to 12 weeks of paid parental time off (eligibility requires 12 months of continuous service).
Award‑winning wellness programs.
Employee Assistance Fund.
Commute and parking benefits.
Equal Opportunity Statement We are an Equal Opportunity employer dedicated to a drug and tobacco‑free workplace. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, age, sex, sexual orientation, gender identity, disability, protected veteran status or any other status protected by law. A background check is required.
Accommodation Request If you need accommodation for any part of the application process because of a medical condition or disability, please email CambiaCareers@cambiahealth.com. Information about how Cambia Health Solutions collects, uses, and discloses information is available in our Privacy Policy.
#J-18808-Ljbffr
Work Schedule Hybrid schedule within Oregon, Washington, Idaho or Utah.
Company Overview Build a career with purpose. Join our cause to create a person‑focused and economically sustainable health care system.
About Role 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.
Qualifications
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.
Skills and Attributes
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.
Additional Requirements – Underwriter II
Demonstrated success managing competing priorities and workload.
Additional Requirements – Underwriter III
Proficiency with complex computer software systems and automation.
Ability to explain complex mathematical and abstract concepts to diverse stakeholders.
Additional Requirements – Underwriter Senior
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.
What You Will Do
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.
Additional Responsibilities – Underwriter II
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.
Additional Responsibilities – Underwriter III
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 ID criteria).
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 experience reports and solution summaries for groups.
Provide written summaries and condition of coverage after each analysis.
Document past rating history and recommend benefit and financial options.
Additional Responsibilities – Underwriter Senior
Assist the Manager in educating new underwriters and contribute to productivity.
Attend broker meetings and meetings with sales executives, agents, and groups to explain rating principles or rationale.
Contribute to new rating formulas, methodologies, and guidelines development.
Represent underwriting on Cambia workgroups and strategy sessions and serve as department representative where applicable.
Salary Ranges
Underwriter I:
$21.30 – $37.70 per hour.
Underwriter II:
$53,000 – $88,000 per year.
Underwriter III:
$64,000 – $106,000 per year.
Underwriter Senior:
$78,000 – $128,000 per year.
Benefits
Medical, dental and vision coverage for employees and eligible family members, including mental health benefits.
Annual employer contribution to a health savings account.
Generous paid time off, company‑paid holidays.
Market‑leading retirement plan with 401(k) match and discretionary contributions.
Up to 12 weeks of paid parental time off (eligibility requires 12 months of continuous service).
Award‑winning wellness programs.
Employee Assistance Fund.
Commute and parking benefits.
Equal Opportunity Statement We are an Equal Opportunity employer dedicated to a drug and tobacco‑free workplace. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, age, sex, sexual orientation, gender identity, disability, protected veteran status or any other status protected by law. A background check is required.
Accommodation Request If you need accommodation for any part of the application process because of a medical condition or disability, please email CambiaCareers@cambiahealth.com. Information about how Cambia Health Solutions collects, uses, and discloses information is available in our Privacy Policy.
#J-18808-Ljbffr