Large Group Stop Loss Underwriter

Evaluate large group employer benefit plans and assess risk from a Stop Loss perspective, including Specific and Aggregate coverages. Analyze claims experience, large claimant details, utilization patterns, and plan design to determine risk exposure. Perform medical and financial analysis of ongoing high-cost claims and emerging risks. Develop and justify pricing using underwriting tools, actuarial models, and independent judgment. Determine rate levels, aggregate factors, and cost-of-risk assumptions. Issue final rates and maintain accountability for all pricing decisions. Drive new business production while maintaining underwriting discipline and profitability targets. Manage a portfolio of assigned accounts with responsibility for renewal rate development, persistency and retention, and loss ratio performance. Own profitability and performance of assigned block of business. Monitor key metrics such as loss ratios, close ratios, and renewal increases. Identify adverse trends and take proactive corrective action. Ensure adherence to underwriting guidelines, authority levels, and regulatory standards. Coordinate cross-functionally to support stop loss policy issue, premium collection and claim approvals. Act as a subject matter expert and mentor for Underwriting Staff, providing training and guidance on large group risk assessment, pricing methodology, and emerging claim trends.