Senior Stop Loss Underwriter

A rapidly growing organization within the medical stop loss market is seeking a Senior Medical Stop Loss Underwriter to join its underwriting team. This individual will play a key role in evaluating, pricing, and managing both new and renewal business while supporting profitable growth across a broad portfolio of self-funded employer groups.

This position offers the opportunity to work closely with brokers, consultants, TPAs, and internal stakeholders in a highly collaborative environment. The ideal candidate will bring strong stop loss underwriting expertise, a relationship-driven approach, and the ability to balance disciplined risk assessment with growth objectives.

Key Responsibilities

• Underwrite and price new and renewal medical stop loss opportunities in accordance with company guidelines and profitability objectives.
• Analyze risk characteristics, claims experience, large claimant activity, and benefit plan designs to determine appropriate pricing and coverage recommendations.
• Evaluate proposed plan changes and assess their impact on risk exposure and underwriting performance.
• Manage a profitable book of business while supporting retention, client satisfaction, and growth goals.
• Develop and maintain strong relationships with brokers, TPAs, consultants, and distribution partners.
• Work collaboratively with sales, account management, and leadership teams to develop market strategies and drive business results.
• Present underwriting recommendations and communicate pricing rationale to internal and external stakeholders.
• Review and complete RFPs, quote requests, and underwriting analyses within established service standards.
• Monitor industry trends, competitive conditions, and market dynamics to support strategic underwriting decisions.
• Participate in broker meetings, client discussions, and business development initiatives.
• Mentor junior underwriters and contribute to underwriting best practices across the team.
• Support ongoing process improvements and underwriting initiatives.

Qualifications

• Bachelor's degree in Business, Finance, Risk Management, Accounting, or a related field preferred.
• 5+ years of Medical Stop Loss underwriting experience.
• Strong understanding of self-funded health plans, stop loss products, plan design analysis, and large claim underwriting.
• Proven experience underwriting both new business and renewals.
• Experience working directly with brokers, TPAs, consultants, and distribution partners.
• Strong analytical, decision-making, and negotiation skills.
• Ability to balance growth opportunities with sound underwriting discipline.
• Excellent communication and relationship management abilities.
• Highly organized with the ability to manage multiple priorities in a fast-paced environment.
• Proficiency in Microsoft Office applications, particularly Excel.
• Experience with stop loss underwriting systems and rating platforms preferred.
• Industry designations such as CEBS, HIA, FLMI, or similar are a plus.

Location & Work Arrangement

• Austin, TX preferred.
• Hybrid schedule available for candidates located within commuting distance.
• Flexible remote working arrangements will be considered for experienced Medical Stop Loss underwriters with a strong track record in the industry.