Senior Underwriting Consultant Resume Sample

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Genesis Legros
84216 Batz Skyway,  Dallas, TX
+1 (555) 667 4458

Work Experience


Senior Underwriting Consultant
10/2015 - PRESENT
Dallas, TX
  • Serves as a consultant for field sales and account management on strategic large employer groups
  • Calculates complex renewal and prospective group rates using solid product knowledge and underwriting protocols
  • Diagnoses product offering situations and makes strategic recommendations for benefit designs and pricing positions
  • Grants underwriting exception and financial variances within prescribed dollar limits
  • Negotiates and fully explains rate development, pricing components, and application of underwriting policies
  • Presents information to employers and brokers in support of business rating practices
  • Ensures the quality and integrity of account-specific data and information released to the sales force
Senior Underwriting Consultant, Rockville
09/2011 - 09/2015
San Francisco, CA
  • Utilizes advanced functionality of rating/financial tools, reference materials, and source systems for premium, membership, and claim information
  • Produces accurate and timely deliverables while providing superior customer service in support of stated mission and key performance metrics
  • Work effectively with customers (internal and external) to meet their needs as well as Aetna's
  • Strong math aptitude, analytical, critical thinking, and decision making skills
  • Anticipate customer needs and negotiate with customers using tact and diplomacy
  • Pricing experience via all types of pricing methodologies (manual, experience, blended, alternate, etc.) and funding arrangements in the medical insurance arena
  • Proven exceptional ability to facilitate and negotiate using tact and diplomacy

Education


Friends University
2006 - 2010
Bachelor's Degree in Math

Professional Skills


  • Healthcare/insurance experience knowledge, with excellent math and analytical skills
  • Exhibits outstanding written and verbal communication skills. Ability to communicate effectively with all levels of management
  • Mentors less experienced underwriters in development of technical skills
  • Excellent verbal and written communication skills with the ability to be persuasive in negative situations and write clearly and informatively
  • Creative problem solving and analytical reasoning skills
  • Reinsurance underwriting experience or 7-8 years direct underwriting experience
  • Assistance experience or specialty A&H experience

How to write Senior Underwriting Consultant Resume

Senior Underwriting Consultant role is responsible for analytical, underwriting, database, finance, training, reporting, research, modeling, insurance, travel.
To write great resume for senior underwriting consultant job, your resume must include:

  • Your contact information
  • Work experience
  • Education
  • Skill listing

Contact Information For Senior Underwriting Consultant Resume

The section contact information is important in your senior underwriting consultant resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:

  • First and last name
  • Email
  • Telephone number

Work Experience in Your Senior Underwriting Consultant Resume

The section work experience is an essential part of your senior underwriting consultant resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous senior underwriting consultant responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular senior underwriting consultant position you're applying to. The work experience section should be the detailed summary of your latest 3 or 4 positions.

Representative Senior Underwriting Consultant resume experience can include:

  • Previous (5-7 years) experience in medical underwriting pricing methodologies and funding arrangements
  • Experience in insurance or reinsurance underwriting
  • Experience with underwriting life, disability and critical illness insurance risk
  • Proven ability to understand technology and translate it into useful business processes and practice
  • Act as Underwriting liaison to facilitate planning and analysis and refine Sales’ strategic initiatives
  • Coordinate components and timing of financial reporting packages specific to the needs of individual clients

Education on a Senior Underwriting Consultant Resume

Make sure to make education a priority on your senior underwriting consultant resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your senior underwriting consultant experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.

Additional details to include:

  • School you graduated from
  • Major/ minor
  • Year of graduation
  • Location of school

These are the four additional pieces of information you should mention when listing your education on your resume.

Professional Skills in Senior Underwriting Consultant Resume

When listing skills on your senior underwriting consultant resume, remember always to be honest about your level of ability. Include the Skills section after experience.

Present the most important skills in your resume, there's a list of typical senior underwriting consultant skills:

  • Able to demonstrate advanced technical underwriting knowledge and skills
  • Prioritize and work effectively under published time service standards
  • Strong technical and financial underwriting skills
  • Pricing experience via all types of pricing methodologies (manul,experience, blended, alternate, etc.) and funding arrangements
  • Able to independently and effectively interact with a sophisticated field force dealing in an upscale market
  • Outstanding ability to build strong cross-functional relationships with sales force and other internal organizations

List of Typical Experience For a Senior Underwriting Consultant Resume

1

Experience For Senior Underwriting Consultant, Rockville Resume

  • Life insurance underwriting experience and at least 5 years of brokerage experience
  • Responsible for assisting in the development of periodic trend forecasts, pricing trends, explanation of medical cost results and variances from pricing
  • Assist in coaching other Underwriters with respect to technical underwriting issues, including methodology, philosophy and processes
  • Provide mentoring and coaching of underwriting staff
  • Review disclosure submissions, including the Medical Management team as necessary, and provide a final binding quote to the client
  • Mastery of underwriting principals, practices, insurance medicine, financial underwriting, field operations, product offerings and life insurance contract law
2

Experience For Large Group Senior Underwriting Consultant Resume

  • Translate technical knowledge into clearly articulated commercial proposals including benefits/impacts
  • Take accountability for leading and drive tasks & projects, combined with ability to collaborate and support colleagues and the wider team
  • Participate in product development of innovative new products and features, adding value to the market
  • Holds CLU, FALU and FMLI (or working towards completion)
  • High level of Underwriting Expertise- Life , Critical Illness, Disability
  • Makes recommendations for plan changes and rate impact based on financial analysis, underwriting principles and business strategy
  • Balance technical knowledge with commercialism
3

Experience For Senior Underwriting Consultant Resume

  • Give clear, constructive feedback to colleagues and stakeholders at all levels
  • Knowledge of medical issues and impact on mortality
  • In depth knowledge of retention and reinsurance, to include automatic and jumbo limits
  • Define, research and resolve problems
  • Create and maintain customer relationships
  • Approval authority – $7,500,000 standard individual life and $10,000,000 standard survivorship life to age 85. Substandard approval limit at 500%
  • Responsible for a book of business of renewing accounts. Utilizes various systems and tools to obtain necessary data and accurately complete and track assigned work
4

Experience For Senior Underwriting Consultant, Rockville Resume

  • Calculates rates, employs different financial arrangements, interprets pricing policy and adapts to unusual situations evident with complex, highly visible clients
  • Identifies questionable claim patterns of renewal clients and issues with competitor’s claims experience for prospect clients and develops recommendations to account for these situations
  • Identifies when clients to not comply with corporate risk management policies
  • Implements appropriate adaptation of policies to accommodate complex client specific situations
  • Distinguishes between critical and non-critical informational needs in risk management negotiations and modifies arrangements depending on the information available
  • Discusses alternative risk management and pricing methods in use by the company and/or others in the industry and provides advantages and disadvantages to each method
  • Mentor and guide lower level analysts through shared experiences and knowledge
  • Utilize Dental / Vision experience
  • Completes renewals, prospect quotes and review of lower level analyst work in accordance with production standards
5

Experience For Large Group Senior Underwriting Consultant Resume

  • Move Sales and external audiences toward appropriate risk solutions to assure favorable risk selection
  • Support and promote adherence to department and company policies, procedures and norms
  • Gather and analyze financial data and present results to the interdisciplinary team
  • Deliver a differentiated customer experience on an on-going basis by proactively collaborating with Sales to provide innovative, customer focused support services
  • Conduct competitive analysis of all coverage lines and present financial and contractual findings to Senior and Executive levels
  • Evaluate and negotiate potential alternatives and options for NB and Renewal groups with internal and external customers
6

Experience For Senior Underwriting Consultant Resume

  • Handles difficult phone calls from applicants who have been declined or approved substandard for insurance coverage
  • Participates in RGA events and industry activities & fosters relationships
  • Review, improve and maintain the pricing model, produce financial reporting and modeling for budget calculation, forecasting, and other ongoing reviews that directly align with segment strategies
  • Prepare renewals and request for proposals including utilization reporting
  • Negotiate and explains application of more complex underwriting concepts, rate/fee development and policies
  • Anticipate customer needs, facilitate and negotiate using tact and diplomacy, and build strong cross-functional relationships with sales force and other internal organizations
  • Approve and review contracts for consistency of offering, pricing and operational delivery
  • Analyze and identify early and ongoing risk trends for assigned clients and make appropriate recommendations for addressing these
7

Experience For Senior Underwriting Consultant, Rockville Resume

  • Make appropriate risk, premium and business decisions and exceptions on all cases within assigned limits
  • Develop personal credibility as a subject matter expert and go to resource on complex issues with clients and peers
  • Independently make financial risk decisions of up to $500,000 within defined guidelines
  • Develop premium rates and policy / treaty terms to offer in response to request for quote
  • Understand and adhere to all SGLA retrocession rates and requirements
  • Negotiate and interact with distributors, clients and potential clients with respect to premium rates and terms
  • Contributes to SGLA profitability by analysing and assessing client profitability through experience and expense analysis and attention to assigned account performance
8

Experience For Large Group Senior Underwriting Consultant Resume

  • Respond to request for quotes within the timeframes requested or work with distributor on a revised deadline
  • Work with Client Services Representatives to manage quote log and SalesForce data entry and integrity
  • Peer review and receive appropriate sign off on new business or renewal quotes
  • Prepare group level financial projections to assist with budgeting, forecasting, and other ongoing reviews that directly aligns with client strategies and organizational performance targets
  • Act as mentor and subject matter expert for other Underwriting team members
  • Communicate and negotiate effectively with BGA's, wholesalers, agents and producers to explain adverse underwriting decisions, while maintaining agency relationship and encouraging future business. Travel with field reps. Develop and lead agent seminars on underwriting topics. (20% of time)
9

Experience For Senior Underwriting Consultant Resume

  • Act as a mentor to other underwriters through, training, consulting, and reviewing business that exceed their authority level. Audit underwriters on case performance and MIB coding. Assist in underwriter training. (10% of time)
  • Oversee the development of cost models that emphasize level of care utilization
  • Develop detailed knowledge of behavioral health care data and data sources
  • Distill complex and detailed data into clear analytics that can delineate problems and inform solutions
  • Communicate findings to Community & State actuarial team to support rate advocacy efforts
  • Serves as a consultative underwriter for field sales and account management on complex employer groups
  • Travel occasional
  • Create and update guidelines for life and critical illness insurance to enhance Sun Life’s position as a leader in the Canadian market
10

Experience For Senior Underwriting Consultant, Rockville Resume

  • Keep up to date with medical knowledge, developments and trends in underwriting and the insurance industry. Identifies alignment where appropriate with other function areas in the line of business
  • Supports and identifies process improvement through automation or change
  • Utilize technical expertise in risk selection
  • Develop selection and retention of client customers through accurate risk assessment and appropriate premium levels that meet profit, persistency and sales objectives Focus on the client’s case level sales
  • Demonstrate decisiveness, creativity and superiority in risk selection so that the most competitive, equitable and appropriate decision is made for each client’s case Deliver dependable, accurate, timely service and build strong relationships with all clients
  • Actively drives and participates in an assigned amount of project work and special assignments
  • Partners with the field to ensure deliver on service goals
  • Works directly with sales representatives and brokers on new business, renewals, and service issues

List of Typical Skills For a Senior Underwriting Consultant Resume

1

Skills For Senior Underwriting Consultant, Rockville Resume

  • Demonstrates a solid, consistent technical proficiency of underwriting guidelines and underlying risk management philosophy
  • Underwrites block of business using experience in risk assessment, pricing components, Aetna's products/services, funding methods and underwriting guidelines
  • Solid understanding of rating and pricing within the healthcare industry
  • Experience in Large Group Medical underwriting pricing methodologies and funding arrangements
  • Handles complex cases/markets/issues using strong knowledge of company services, product standards, underwriting policies and alternate funding
  • Previous (4-6 years) experience in medical underwriting pricing methodologies and funding arrangements
  • Previous (3-5 years) experience in medical underwriting pricing methodologies and funding arrangements
2

Skills For Large Group Senior Underwriting Consultant Resume

  • Demonstrates advanced understanding of the elements of pricing to include risk factors, retention, and reinsurance
  • Experience with healthcare data and data gathering/reporting tools such as SQL, SAS, Excel, and Visual Basic
  • Strong attention to detail and ability to handle large case loads and provide quick turnaround times while maintaining Symetra's mortality standards
  • Service oriented with commitment to meet deadlines, prioritize and handle multiple tasks in a demanding work environment
  • Work as part of a high functioning team, as well as be a strong individual contributor
  • Proven ability to facilitate and negotiate using tact anddiplomacy
  • Experience in healthcare underwriting in group insurance for a variety of products: PPO, HMO, Fully Insured and ASO
  • Previous dental and/or vision underwriting experience
  • Experience in healthcare underwriting for any variety of group products: PPO, HMO, self-funded, ASO / fully - insured
3

Skills For Senior Underwriting Consultant Resume

  • Experience in assistance or specialty risk underwriting
  • Experience in healthcare underwriting for any variety of products: PPO, HMO, self-funded, ASO/fully-insured, group or individual
  • Assist leadership with analysis and special projects, demonstrating a strong appetite to develop, both personally and professionally
  • Reinsurance or impaired risk (direct) underwriting experience
  • Provide solid and persuasive arguments for appropriate risk management and pricing decisions
  • Pricingexperience via all types of pricing methodologies and funding arrangements,with
  • Apply solid understanding of client’s strengths and weaknesses
  • Builds strong cross-functional relationships with sales force and other internal and external constituents
4

Skills For Senior Underwriting Consultant, Rockville Resume

  • Establishes solid relationships with all internal and external business partners
  • Handles complex cases/markets/issues using strong knowledge of company services, product standards, underwriting policies and alternate funding ( )
  • Handles complex cases/markets/issues using strong knowledge of company services, product standards, and underwriting policies
  • Experience in a similar role
  • Experience user in Microsoft Excel (complex formulas, pivot tables, etc)
  • Strong user in Microsoft Excel (complex formulas, pivot tables, etc)
5

Skills For Large Group Senior Underwriting Consultant Resume

  • Experience with Risk Management
  • Financial Protection underwriting experience
  • Presentation experience
  • Demonstrated knowledge of industry and marketplace trends within the local marketplace for assigned clients
  • Demonstrated ability to be persuasive and to negotiate
6

Skills For Senior Underwriting Consultant Resume

  • Healthcare experience in a finance role
  • Present complex information in a clear and effective manner
  • Progressive underwriting experience- life, critical illness and disability required
  • Experienced at underwriting life risk of up to 7 million
  • Support Management in explaining, interpreting and applying company and departmental goals and objectives
  • All processes and technology involved in underwriting onboarding (DQM, UREs, PIS etc)
7

Skills For Senior Underwriting Consultant, Rockville Resume

  • Interfaces with the sales force regarding underwriting issues and decisions
  • Mastery of disability products including product provisions, plan design, pricing and contractual benefits
  • A passion for working towards a common goal on a high performing team
  • Ensures the quality and integrity of account-specific data and information in the Underwriting tracking database
  • Promote the use of established underwriting criteria and policies to provide proper rating methodologies
  • Comfort with ambiguity; track record of success at turning vague information into sound underwriting decisions
  • Completed or working towards Fellow, Life Management Institute (FLMI) or Fellow, Academy of Life Underwriting (FALU)
  • Advance working knowledge of our reinsurance manuals
8

Skills For Large Group Senior Underwriting Consultant Resume

  • All aspects of the underwriting value chain from lead generation to case assessment
  • The Underwriting Spectrum from DTC guaranteed issue to IFA fully underwritten
  • Ensure guidelines are in keeping with Sun Life’s risk tolerance
  • Give presentations and speak in a public setting
  • Provides timely and accurate deliverables for new business, e.g., accountings, funding evaluations, benefit quotations
9

Skills For Senior Underwriting Consultant Resume

  • : Life Underwriting
  • Make case specific decisions that are aligned with the company’s underwriting guidelines and philosophies
  • Strategic Planning and Analysis (as assigned to higher level Consultants)
  • Develop customized financial analysis and reporting tools as needed
  • Facilitate negotiations based on a thorough understanding of factors that influence the industry and competitive conditions
  • Provides technical expertise is assessing morbidity and mortality risks
  • Communicates directly with applicants and benefit administrators on underwriting decisions
  • Assists in the development of underwriting guidelines and procedures
10

Skills For Senior Underwriting Consultant, Rockville Resume

  • Provides support in implementing continuous improvements
  • Actively participate in team meetings and supporting the team
  • Provide developmental feedback on case level decisions within the context of a mentoring relationship
  • Insure proper ERM, pricing and risk selection processes are adhered to
  • Adhere to pricing expense and profit targets as defined by the actuarial team
  • Adapt to change routinely and support the goals of the underwriting unit and the company through teamwork and additional hours as required
  • Travel and make presentations to clients and producers
  • Develops premium and creates financial exhibits using prior claim experience, rating tools and data sources while assessing accuracy of data and applying underwriter judgment as warranted

List of Typical Responsibilities For a Senior Underwriting Consultant Resume

1

Responsibilities For Senior Underwriting Consultant, Rockville Resume

  • Current or former UHG employee from an Underwriting function
  • Pennsylvania Producer’s License in Accident and Health or a willingness to pursue and obtain a Producer’s License within six months
  • A professional designation related to the healthcare industry, from an organization such as (but not limited to) HIAA/AMHC, CEBS, SOA or be willing to obtain a professional designation within two years
  • Experience in healthcare underwriting for any variety of products: PPO, DHMO, self-funded, ASO / fully-insured, or group. Ideally, extensive experience with dental and vision underwriting
  • Intermediate level of proficiency with MS office suite (Word, Excel, PowerPoint)
  • For any variety of products: PPO HMO, self-funded, ASO / fully - insured group
  • Knowledge of the reinsurance process
2

Responsibilities For Large Group Senior Underwriting Consultant Resume

  • Knowledge of complex insurance risk issues and dynamics
  • Intermediate level of proficiency with MS Office Excel
  • Intermediate level of SAS, SQL or another statistical program
  • In Group Insurance (Life, Disability) UW pricing experience via all types of pricing methodologies (manual, experience, blended, alternate, etc.) and funding arrangements
  • Tracks and monitors progress against timeline and key milestones
  • FLMI, FALU, or CLU designation
  • LOMA Level 1 Certificate
3

Responsibilities For Senior Underwriting Consultant Resume

  • Provides timely and accurate deliverables for new and/or renewal business, e.g., benefit quotations, plan designs, financial package. Monitors financial condition of assigned accounts
  • Analyzes competitive position on a case specific basis and develops financial comparisons. Recognizes opportunities for process improvements and recommends changes. Assesses customer needs and expectations versus company capabilities/ strategies
  • Stop Loss underwriting experience - pricing experience via all types of pricing methodologies (ie. manual, experience, blended, alternate, stop loss) and funding arrangements
  • Negotiates prices and benefits with sales representatives and brokers
  • Seek to understand your individual marketplace dynamics and those of the general market to maximize our chances of success
  • BS/BA Science or Business
  • ACS, ALU, FLMI, FALU, or CLU accreditation or progress towards accreditation
4

Responsibilities For Senior Underwriting Consultant, Rockville Resume

  • Have an approval authority of $3,000,000 for Life and $500,000 for Critical Illness
  • Determine when to escalate a situation or request to the Director
  • Evaluates risk and underwrites Group Health products under the Local pricing and underwriting guidelines. Analyses data, evaluates characteristics of reinsurance arrangements, applies relevant experience, and considers use of manual rates using SGLA rating manual and underwriting systems. Ensures that SGLA can administer the client’s proposed (re)insurance
  • Actively seek out/identify resources and projects to improve underwriting staff, and improve understanding of business line within the company and industry. Represent the underwriting function in intra-departmental meetings/projects. Represent department Director and/or Symetra internally and at external events and functions as appropriate. (10% of time)
  • Pricing experience via all types of pricing methodologies (manual, experience, blended, alternate, etc.) and funding arrangements. Proven ability to anticipate customer needs. Proven ability to facilitate and negotiate using tact and diplomacy. Proven ability to build strong cross-functional relationships with sales force and other internal organizations

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