Title: Underwriting Account Analyst Location: Portland, Maine Job Description: Account Analyst Join a high-impact underwriting team where your precision and insight drive smarter business decisions. *This is a hybrid position.Candidate must reside in Maine. Are you detail-driven and organized? Do you enjoy being the behind-the-scenes force that keeps everything running smoothly? If so, we’re looking for an Account Analyst to partner closely with our Underwriting team and play a pivotal role in delivering accurate, compliant, and timely service to our agents. Why Its Important This isn’t just a support role—it’s a launchpad into underwriting expertise. You’ll gain hands-on exposure to pricing decisions, policy lifecycle management, and risk evaluation, all while building strong relationships with underwriters and agents. What You’ll Do As an Account Analyst, you’ll be the backbone of the underwriting process, ensuring data integrity, operational excellence, and seamless policy management: - Drive accuracy and compliance by supporting policy issuance in partnership with Managing Underwriters - Own the details—gather, analyze, and maintain critical account data across systems - Prepare and track renewal underwriting reviews, keeping everything on schedule - Quote, modify, and support business decisions within established underwriting guidelines - Assist with complex transactions and out-of-guideline requests as directed - Leverage underwriting systems to build and maintain policy information for new and renewal accounts - Manage policy lifecycle actions—renewals, cancellations, and endorsements—with precision - Ensure consistent workflow execution and maintain high-quality documentation - Deliver responsive service by communicating clearly and following up with agents in a timely manner What You Bring - Strong attention to detail and organizational skills - Ability to manage multiple priorities and meet service standards - A proactive, solutions-oriented mindset - Comfort working with data and automated systems - Excellent communication and follow-through MEMIC is committed to a policy of nondiscrimination and equal opportunity for all employees and qualified applicants without regard to race, color, religious creed, national origin, ancestry, age, disability, genetics, gender identity, veteran's status, sexual orientation, or any other characteristic protected by law. Additionally, we are committed to providing an inclusive and accessible recruitment experience for all candidates. If you need a reasonable accommodation during the interview process, please contact us at hr@memic.com. To ensure an equitable and authentic interview process, candidates should not use AI or chatbot tools during the live interview or phone screen. We welcome any preparation you choose to do beforehand, but all responses shared during the interview must be your own. Note: MEMIC does not offer Stem-OPT EAD Extension for this role. MEMIC's Job Applicant Privacy Notice Check out our benefit offerings here! Targeted salary range: ___________

• Leads monthly benefits reconciliations across all benefit plans (medical, dental, vision, FSA/HSA, 401(k), etc.) • Partners with Payroll and Finance to ensure accurate deductions, employer contributions, and vendor billing • Investigates and resolves discrepancies, ensuring timely and accurate corrections • Develops and maintains reconciliation processes, controls, and documentation to support audit readiness • Provides monthly reporting and insights on benefits spend, trends, and variances • Provides support in managing the financial and operational oversight of the company’s self-insured medical plan • Reviews and analyzes claims data, stop-loss coverage, and funding levels • Partners with brokers, TPAs (Third-Party Administrators), and carriers to monitor plan performance and cost drivers • Tracks and reconciles claims funding, administrative fees, and stop-loss reimbursements • Identifies trends and recommends strategies to manage costs and improve plan efficiency • Analyzes benefits utilization, enrollment trends, and cost drivers to inform strategy • Works with the Director of People Operations to build dashboards and reports to provide visibility into benefits performance • Supports forecasting and budgeting processes related to benefits spend • Provides insights and recommendations to People Ops and leadership • Partner with Finance during the monthly and quarterly close process to ensure accurate accounting of benefits-related expenses and liabilities • Prepare and validate journal entries related to benefits costs, including claims funding, stop-loss premiums, and administrative fees • Reconcile benefits-related general ledger accounts and support variance analysis • Monitor and manage claims funding requirements, ensuring appropriate cash flow for self-insured plan obligations • Partner with Finance to track timing of large claims, stop-loss reimbursements, and vendor payments • Provide visibility into short- and long-term funding needs • Serves as a key point of contact for benefits vendors, brokers, and administrators • Ensures vendor invoices align with contractual terms and enrollment data • Supports vendor performance reviews and issue resolution • Assists in annual open enrollment planning and execution • Owns carrier file processes, including testing, data reconciliation, and diagnosing data file issues to drive timely resolution. • Assists in annual open enrollment planning and execution, including carrier implementation, ensuring system readiness, data accuracy, and smooth execution of enrollment processes • Ensures compliance with all applicable regulations (ERISA, ACA, HIPAA, COBRA, etc.) • Supports audits, filings (e.g., Form 5500), and documentation requirements • Maintains accurate plan documentation, controls, and reporting processes

• Build and scale income verification strategies for personal loans • Leverage credit bureau + vendor data (payroll, cashflow, alternative data) to detect income inconsistencies and risk signals • Define verification playbooks, decision rules, and escalation criteria for manual review • Quantify and optimize trade-offs across: • Approval & conversion rates • Funding / booked loans • Early delinquency & credit losses • Design and run A/B tests and champion/challenger strategies • Monitor performance using funnel metrics, cohort/vintage analysis, and risk segmentation • Partner with Product, Data Science, Fraud, and Credit Underwriting • Turn analysis into clear, high-impact recommendations

• Utilizará as melhores práticas e ferramentas disponíveis de se obter os requisitos funcionais e não funcionais que o sistema a ser desenvolvido deverá apresentar. • Orientar, acompanhar e direcionar os desenvolvedores quanto ao uso das ferramentas do processo de Requisitos. • Capturar um Vocabulário Comum; Classificar os Processos Críticos do Sistema; participar da construção de Protótipo. • Definir Especificação de Relatório. • Definir registro de Trilha de Auditoria. • Descrever a Interface do Usuário. • Desenvolver Especificações Suplementares. • Desenvolver Plano de Gerenciamento de Requisitos. • Documentar a Classificação da Informação. • Elaborar Especificações Suplementares. • Elaborar Glossário. • Elaborar Lista de Requisitos. • Elaborar Matriz de Perfis de Acesso ao sistema. • Elaborar Mensagens de Sistema. • Especificar Requisitos Funcionais / Caso de Uso. • Estruturar o Modelo de Caso de Uso. • Fazer a Reunião de Aprovação de Requisitos. • Levantar, Documentar e Priorizar os Requisitos Preliminares. • Manter Regras de Negócios.