Role Description Relying on limited experience and knowledge, this role is responsible for accomplishing the following assignments. These assignments are varied in nature. - Review issues forwarded from the Underwriting group that includes complex diagnoses and then estimate ongoing costs. Provide this information to the specific Underwriter. - Act as support for renewal underwriting. This includes, but is not limited to, assessing the severity code on ongoing claims, adjusting reserves for accuracy, evaluating new referrals if effective within sixty days of notice, and assigning recommended specifics, if requested. - Educate Underwriters on how to recognize specific diagnoses and severe types of diagnoses to ensure these are identified and properly quoted during the underwriting process. Qualifications - 4 Year / Bachelors Degree in a related field or the equivalent education and/or experience - Required Registered Nurse (RN) designation - 5 Years Relevant and progressive clinical experience, preferably in an acute care or managed care setting - 5 Years Clinical experience, preferably in an acute care setting and/or managed care setting - Strong medical knowledge including International Classification of Diseases (ICD), Current Procedural Terminology (CPT), medical terminology, COBRA, and HIPAA - Strong understanding of operations of third-party administrators (TPAs) and managing general underwriters (MGUs) - Knowledge of Carrier and Reinsurer reporting and contractual requirements - Possess and have ability to apply broad knowledge of principles, practices, and procedures - Excellent written and verbal communications skills with an emphasis on confidentiality, tact, and diplomacy - Exceptional organizational and analytical skills; demonstrated ability to manage multiple tasks simultaneously - Knowledgeable of industry changes, legal updates, and technical developments related to applicable area of the Company's business to proactively respond to changing business environment - Intermediate proficiency and experience using Microsoft Office package (Excel, Access, PowerPoint, Word) - Occasional travel (up to 10% of time) Benefits - Competitive salary and comprehensive benefit package - Strong learning culture with ongoing development opportunities - Opportunities for growth and career advancement - Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment - Basic life and disability insurance - 401(k) plan with 6% company match - 20 days of PTO, two floating holidays, approximately 11 paid holidays, and volunteer time off - Paid parental leave - Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription - Student loan matching program - Employee discount program - An opportunity to do meaningful work and love what you do Company Description Tokio Marine HCC is a leading specialty insurance group with offices in the United States, the United Kingdom, Europe, and other exciting locations. With the strength and stability that comes from being a member of the Tokio Marine Group, and more than fifty years of growth, profitability, and stability, we offer important insurance products that most people don’t even know exist. For over 50 years, HCC Life Insurance Company, operating as Tokio Marine HCC – A&H Group, has been at the forefront of medical stop loss insurance. In addition to traditional stop loss, we offer captive and Taft-Hartley stop loss solutions, level funded stop loss, Organ & Tissue Transplant insurance and MedPlus insurance. Tokio Marine HCC – A&H Group is rated A++ (Superior) by A.M. Best Company and benefits from the financial stability of its parent company, Tokio Marine HCC.

Role Description Location: Remote (Work-from-home flexibility) The Opportunity: Are you a detail-oriented credit expert who thrives on solving complex financial puzzles? We are seeking a Mortgage Underwriter with a deep background in Non-QM and residential lending. In this role, you won’t just check boxes; you will exercise high-level judgment to evaluate risk, identify viable loan paths, and ensure the highest quality of credit decisions in a fast-paced, collaborative environment. - Technical Underwriting: Perform comprehensive reviews of loan applications, including complex income docs, tax returns, P&L statements, and appraisals to ensure total accuracy. - Risk Evaluation: Classify and qualify loans according to company and secondary market guidelines, conducting "reasonableness tests" to ensure sound business decisions. - Strategic Problem Solving: Rework loan terms and identify creative, compliant conditions to turn challenging files into viable credit decisions. - Collaborative Communication: Act as a bridge between Loan Originators, Processors, and Management to resolve compliance or funding hurdles with clarity and speed. - Industry Expertise: Maintain an elite understanding of Fannie Mae (DU), Freddie Mac (LP), and emerging Non-QM products to stay ahead of market shifts. - Quality Assurance: Ensure all files are audit-ready, maintaining acceptable turnaround times while upholding the integrity of the funding package. Who You Are: - A Critical Thinker: You don't just see numbers; you see the story behind the borrower's profile and can defend your decisions with logic and data. - A Non-QM Expert: You have specific experience with non-traditional mortgage products and manual underwriting policies. - A Cultural Pillar: You value accountability, diversity, and a "can-do" spirit, contributing to a team environment that is both professional and high-energy. Qualifications - Experience: 4–6 years of mortgage experience, with at least 4+ years of residential underwriting (including second-level review/approval authority). - Specialized Knowledge: Non-QM experience is required. Proficiency in Encompass and fraud-detection tools is highly preferred. - Education: Bachelor’s degree in Finance, Accounting, Economics, or Business (or equivalent career experience). - Soft Skills: Exceptional written communication and the ability to manage internal/external relationships under tight deadlines. - Remote Setup: A dedicated, quiet home workspace with high-speed internet. Company Description Fairway Home Mortgage, founded in 1996, is a nationwide leader in the mortgage industry. Customer service is at the heart of everything we do. We deliver personalized loan solutions with some of the fastest turn times in the industry. Our mission is to act as trusted advisors, guiding clients through every step of the mortgage process to exceed expectations and ensure satisfaction. - Our culture promotes innovation, growth, and collaboration, offering exciting career paths and professional development. - Whether you're starting out or advancing your career, Fairway is a place where your skills and ambitions can thrive.

Title: Underwriting Consultant Location: Hartford United States Job category: Underwriting & Pricing Overtime status: Exempt Travel: No Job Description: At UnitedHealthcare, we're simplifying the health care experience, creating healthier communities and removing barriers to quality care. The work you do here impacts the lives of millions of people for the better. Come build the health care system of tomorrow, making it more responsive, affordable and optimized. Ready to make a difference? Join us to start Caring. Connecting. Growing together. The Underwriting Consultant will analyze health benefit plan characteristics and assess risks as to frequency and potential severity of losses of clients. This individual will analyze health benefit plan characteristics and assess risks as to frequency and potential severity of losses of clients. Will utilize established underwriting criteria and policies to provide proper rating methodologies. Will build and maintain models to assist in the economic analysis of market alternatives. The Underwriting Consultant will evaluate and recommend alternative pricing options and plan design changes based on economic analysis and trends. This individual will also prepare financial modeling for reserve calculation, budget calculation, and other ongoing reviews that directly aligns with client strategies. They will validate renewals and request for proposals for accuracy including utilization & experience reporting. You'll enjoy the flexibility to work remotely* from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week. Primary Responsibilities: - Primary focus will be on an ASO book of business - Intricate focus on product integration to maximize company financials - Work closely with underwriting and account management to derive competitive financial responses - Meets quarterly reporting requirements - Anticipates customer needs and proactively develops solutions to meet them - Serves as a key resource on complex and/or critical issues - Solves complex problems, develops innovative solutions, and performs complex analyses - Reviews work performed by others and provides recommendations for improvement - Forecasts and plans resource requirements - Authorizes deviations from standards - May lead functional or segment teams or projects - Provides explanations and information to others on the most complex issues - Motivates and inspires other team members - Develops innovative approaches - Sought out as an expert and serves as a leader/ mentor You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in. Required Qualifications: - 3+ years of experience in the healthcare industry underwriting/managing financials for a defined book of business for any variety of products: PPO, HMO, Stop Loss, Pharmacy, Dental, Vision, Ancillary, Self-Funded, ASO/Fully-Insured for group or individual clients - 1+ years of experience with Risk Management - Intermediate level of proficiency with MS Office suite (including Word, Excel and PowerPoint) - Proven excellent communication skills, both orally and in writing Preferred Qualification: - Ability to understand and calculate revenue, expense, risk and profit - All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $72,800 to $130,000 annually based on full-time employment. We comply with all minimum wage laws as applicable. At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.

Title: PBM Underwriter Location: Remote, USA Job Description: Job Type Full-time Description Position Overview: As a PBM Underwriter, you will be a strategic team member that is key in both winning new and retaining existing business by compiling financial proposals that appeal to clients, while meeting MedOne goals. About MedOne: MedOne is a full-service pharmacy benefit manager (PBM), serving clients and members nationwide. With a fully transparent, pass-through model, MedOne helps people conveniently access the most appropriate prescriptions at the most affordable price. What You'll Do: - Use proprietary Underwriting and Pricing Models, Excel, and SQL to model both prospective and existing client pharmacy spend, their underlying drivers of cost, as well as MedOne’s profitability. - Analyze pharmacy claims data and develop reports for operations, sales and other key business units. - Support the financial aspects of PBM Request for Proposals (RFPs), and client market-checks to include coordinating PBM data requests, completing financial evaluation, and completing formulary and network evaluations - Assist with research, recommendations, and implementation of technology changes and reporting to improve accuracy of the Underwriting Model and optimize financial responses to PBM RFP procurement. - Complete formulary and network disruptions to aid in the onboarding process of new clients - Ability to work closely with Subject Matter Experts (such as Clinical, Proposal Services, and Rebates) teams to incorporate their most up to date guidance seamlessly into the Underwriting Model. - Collaborate with other departments in Strategic Pricing business unit on analyses and/or projects - Active participation and/or ownership in both quarterly and annual business unit priorities - Other duties as assigned What You Will Bring to MedOne: - Bachelor’s Degree in Math, Computer Science, Statistics or IT preferred - 1-3 years as a functional Data Analyst to include: - Data mining, and financial modeling using industry standard tools in similar roles in Pharmacy Benefits Management (PBM), Retail Pharmacy, PBM Consulting, and/or Healthcare experience. - Ability to translate business requirements to accurate technical specifications, with the end goal of creating optimized business reports that can be easily applied to meet the business use case - System architecture and enterprise solution understanding. - Intermediate knowledge of reporting, data analytics, and problem solving using analytical tools such as Excel, SAS, SQL, Power BI, and/or other ad hoc Query Tools - Relevant experience that demonstrates problem-solving, financial acumen, and ability to understand, analyze and decrypt complex processes. - Ability to think strategically and proactively - Time management and prioritization skills. - Incredible work ethic and energy. Why Join MedOne? At MedOne, we believe that a healthy team is a happy team. We offer a collaborative work environment, competitive benefits, and opportunities for growth—all while helping to make a difference in people’s lives. Our top core value is to prioritize your well-being. To support you in living this value, we offer: - Competitive salary and bonuses that reward your performance. - Comprehensive health, dental, and vision insurance + additional benefits - 401(k) with company match to secure your future. - Generous paid time off and holidays. - Opportunities for professional growth and development. - A vibrant and collaborative work culture. Location: Offices in either Dubuque, IA, or Kansas City, MO, or the position can be remote within the United States. Employment Type: Full Time, Salary/Exempt Position Hours: Hours may vary within our normal business hours. Reports to: Director of Underwriting How to Apply: If you're enthusiastic about helping others and eager to join a dynamic team, we’d love to hear from you. Apply now and take the first step toward a rewarding career at MedOne! You can submit your application through our careers page. MedOne is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.