Underwriter

• Support financial analyses and consultation of Express Scripts clients
• Conduct analytical, quantitative, and financial cost modeling for clients with varying lines of business
• Work with Sales and Account Management to review, strategize and analyze client renewal and new sales opportunities
• Negotiate and manage the set-up of a client’s contract to ensure compliance with financial terms and pricing guarantees
• Participate in department and company projects
• Develop and improve existing best practices for client support and financial modeling

Risk & Underwriting Lead Analyst

• Design and execute underwriting strategies that drive profitable growth while ensuring strong, risk-adjusted returns.
• Establish and oversee underwriting guidelines, pricing models, and risk selection standards to ensure consistency and sound decision-making.
• Monitor and evaluate portfolio performance, underwriting KPIs, and loss trends to identify opportunities for improvement and optimize results.
• Lead, coach, and develop a high-performing team of commercial underwriters, ensuring alignment with company goals and fostering professional growth.
• Conduct quarterly quality assurance audits, assess underwriting accuracy and compliance, and present actionable insights to senior leadership.

Commercial CAT Underwriting Manager

• Evaluates and classifies medical, non-medical, and financial risks for life insurance
• Ensures rate quotes are fair and equitable to clients
• Maintains strong client relationships
• Provides underwriting solutions to clients
• Collaborates with Medical Directors and other team members
• Participates in special projects and assists in client presentations

Senior Underwriting Consultant

• Lead, mentor, and calibrate a team of retail residential underwriters — setting the standard for quality, consistency, and turn time
• Own escalated and exception files while maintaining production flow and protecting the company's credit profile
• Serve as a cross-functional partner to sales, operations, and processing — removing friction, solving bottlenecks, and keeping the pipeline moving
• Develop and maintain a robust underwriting quality feedback loop that drives continuous improvement across the team
• Monitor agency guideline updates (Fannie Mae, Freddie Mac, FHA and beyond) and translate changes into clean, workable overlays the team can execute on
• Ensure all underwriting activity meets state-by-state compliance standards in an IMC environment — where regulatory precision matters and there is no federal preemption safety net
• Contribute to senior-level credit and production conversations as a credible, experienced voice in the room

Underwriting Manager – Retail Residential Mortgage

• Lead a field underwriting organization focused on driving profitable new business growth through direct agency engagement and market-facing underwriting execution.
• Provide leadership and technical expertise through management of people, processes, and agency relationships.
• Partner closely with sales, underwriting, product, and distribution teams to align underwriting strategy with market opportunities.
• Develop underwriting talent, optimize field engagement models, and ensure consistent execution of underwriting standards.
• Prepare and analyze team and state plans and performance reports.
• Communicate and support organization mission, vision, values, policies, and practices.

Commercial Lines Field Underwriting Manager

• Oversee and execute quality reviews of Group Rating Intake Tool (GRIT) requests and monthly production work, ensuring accuracy and compliance with actuarial rating methodologies and underwriting guidelines.
• Conduct actuarial, underwriting, and financial impact analysis, including short/long stop-loss period analysis, credibility studies, and underwriting risk assessments to drive data-backed recommendations.
• Develop and implement training materials, procedure manuals, and departmental documentation to ensure standardization and knowledge retention of actuarial methodologies and underwriting practices.
• Identify and implement efficiencies in underwriting workflows, leveraging automation, predictive modeling, and data-driven process improvements to optimize team productivity.
• Develop and deliver technical training on underwriting practices, actuarial methodologies, rating factor adjustments, and risk evaluation techniques.
• Collaborate with internal and external audit teams to support actuarial and underwriting compliance, quality controls, and regulatory reporting.
• Review and validate with final quality reviews for monthly mailings and other underwriting communications to ensure accuracy and clarity.
• Develop, analyze, and maintain rating factors and risk models that support underwriting and actuarial tools, ensuring data-driven decision-making.
• Support SERFF rate filings with the Kansas Department of Insurance (KDOI) ensuring accurate and timely submission of rate justifications and regulatory documents.
• Oversee enhancements to underwriting tools and actuarial databases, ensuring seamless integration of rating models and optimization of underwriting systems.

Underwriting Quality and Tools Analyst

• Provides expert content/professional leadership on complex Risk & Underwriting assignments/projects
• Manages assigned book of business focused on attaining profitable growth, persistency, and earnings.
• Performs case-specific risk assessments.
• Performs account level rate development and conducts customer negotiations with Sales.
• Develops and monitors account earnings plans to achieve growth and profitability.
• Develops strategic recommendations related to market competition, products and pricing.
• Partners with sales department and brokers to deliver customer presentations.
• Conducts ad hoc analyses which have a potential financial impact.
• Responsible for effectively communicating with Leadership, SAM, and other business partners.

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