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.

Title: Technical Underwriting Assistant Location: Canonsburg, PA Full Time Entry Level Job Description: Technical Assistant Hours: 8:30-5:00 Local Time Location: Hybrid Compensation: $17.00 -$21.75 / hour Offices: At USG, we empower our team members with the flexibility to opt for remote, hybrid, or fully in-office schedules. Presently, we operate nine physical branch locations across the United States: - California: Irvine - Florida: Tampa - Idaho: Sandpoint - Illinois: Chicago - Louisiana: Covington - Minnesota: Shoreview - Pennsylvania: Canonsburg - Texas: Arlington and Houston Who We Are: Welcome to USG, a distinguished national wholesale broker and managing general agent (MGA) with a prominent presence across the nation. Our extensive network spans over 400 different markets and we proudly write business in all 50 states. USG has consistently earned recognition for our excellence, being ranked as a 5-star MGA by Insurance Business of America for four consecutive years. Moreover, we take pride in our continuous acknowledgment as a Top Insurance Workplace over the past five years, as voted on by our current team members. We at USG prioritize fostering a collaborative and mentoring-focused environment. We recognize the pivotal role each team member plays in our success, emphasizing hands-on training to ensure everyone feels comfortable and confident in their role. At USG, we actively empower our team members to bring their authentic selves to the workplace, recognizing that fostering diversity is essential for a thriving, creative, and dynamic professional environment. In today's rapidly evolving business landscape, embracing cutting-edge technology is not just a choice but a necessity for staying relevant in the marketplace. Our in-house IT development and support teams expertly oversee and manage both our proprietary and third-party systems, ensuring our sales operations stay at the forefront of technological advancement. Embark on your professional journey with USG, where it's more than just a job, it's a vibrant and supportive community committed to nurturing your success. The Role Itself: A Technical Assistant at USG plays a crucial role in providing administrative and technical support to insurance professionals. This is the first level of a production career path at USG. Your attention to detail, strong organizational skills, and ability to work in a fast-paced environment will contribute to the efficiency of USG. In this position, you will be a member of one or more Production teams and be responsible for tasks assigned by a Senior Production Assistant, Executive Production Assistant, Production Assistant, or designated Producer/Broker(s). Responsibilities include: - Correspondence with agents or carriers for additional information needed and handling renewal reminder letters. - Requesting company-issued endorsements. - Prepping files. - Binding in the Binding Portals and processing completely through our in-house system. - Consistently demonstrate a professional, positive, team-oriented attitude while performing job duties. - Invoicing and typing Brokerage Endorsements. - Provide the technical and administrative assistance required to support the attainment of stated office-wide objectives in conjunction with service standards. - Providing timely and accurate customer service What We Are Looking For: - At least 1 year of prior insurance experience, prior experience should include either wholesale brokerage/MGA, retail insurance agency, or insurance company experience. - Knowledge of Windows-based software applications and basic typing skills. - Ability to handle multiple tasks and prioritize effectively. - Knowledge of basic P&C insurance, forms, endorsements, rating methods, and terminology is preferred. What USG has to offer: - Comprehensive Benefits Package including: - Company-paid benefits: Short-Term Disability, Long-Term Disability, Basic Life, AD&D, and Team member Assistance Program - Medical, Dental, Vision, and Life - 401K Retirement Plan - Flexible Spending Account - Dependent Care - Tuition Reimbursement - A week of hands-on, in-person training to meet our corporate team - Access to 24/7 virtual training through USG University - Outstanding Company Holiday Schedule and Generous Paid Time Off Package - Potential for exponential growth in the company Join Us! If you're excited about the wholesale industry and are ready to contribute your skills and passion to a dynamic team, USG Insurance Services is the perfect company for you. We're looking for individuals who share our entrepreneurial spirit and are eager to help us shape the future of wholesale insurance. Visit https://www.usgins.com/index.aspx to learn more about our work, our team, and the opportunities we have available.

Role Description Lendz Financial is seeking an experienced and detail-oriented Quality Control Underwriter to join our growing team. This role is designed for a mortgage professional with a strong underwriting foundation who can apply critical thinking, guideline interpretation, and risk analysis throughout the quality control process. Rather than performing checklist-based audits alone, this individual will serve as a key partner in maintaining loan quality, identifying trends, mitigating risk, and supporting operational excellence across the organization. The ideal candidate brings a deep understanding of mortgage underwriting—particularly within Non-QM lending—and can evaluate loan files with the mindset of an underwriter while ensuring compliance with investor, regulatory, and internal standards. This is a fully remote position within a collaborative, high-accountability environment that values ownership, continuous improvement, and professional growth. What You’ll Do - Conduct detailed pre-closing and post-closing quality control reviews of residential mortgage loan files - Evaluate borrower credit, income, assets, and collateral documentation with an underwriting-level understanding of risk assessment - Review complex Non-QM income scenarios, including Bank Statement programs, DSCR loans, Asset Utilization, 1099 income, and self-employed borrowers - Analyze loan documentation for accuracy, completeness, consistency, and adherence to company, investor, and regulatory guidelines - Identify discrepancies, documentation gaps, calculation errors, and compliance concerns, while determining overall materiality and loan-level risk - Provide thoughtful feedback and recommendations to Underwriting, Processing, and Operations teams to support loan quality and process improvement - Document audit findings clearly and professionally, including rationale for identified defects or required corrective actions - Partner cross-functionally with Underwriting, Sales, Account Management, Processing, and Closing teams to resolve file-level issues efficiently - Monitor loan quality trends and recurring defects, escalating concerns and recommending process enhancements where appropriate - Support internal and external audit initiatives, including regulatory reviews and third-party due diligence requests - Maintain detailed and accurate QC reporting and audit records - Stay current on Non-QM guideline updates, investor overlays, and federal and state regulatory requirements - Contribute to a collaborative team environment focused on accountability, operational excellence, and continuous improvement Qualifications - 3+ years of mortgage underwriting experience, preferably with exposure to Non-QM or alternative documentation loan products - Strong working knowledge of residential mortgage underwriting guidelines and risk assessment practices - Experience reviewing complex borrower income scenarios, including self-employed borrowers and alternative income documentation - Familiarity with Non-QM products such as Bank Statement programs, DSCR, Asset Utilization, and 1099 income - Strong understanding of mortgage compliance regulations, including TRID, RESPA, ECOA, ATR/QM, and applicable federal and state requirements - Ability to identify material loan-level risk and exercise sound judgment beyond checklist-based review processes - Excellent analytical, organizational, and problem-solving skills - Strong written and verbal communication skills, with the ability to clearly articulate findings and recommendations - Ability to manage multiple priorities and deadlines in a fast-paced environment - High level of accountability, professionalism, and attention to detail - Experience with mortgage loan origination systems and Microsoft Office Suite - Previous experience in quality control, auditing, underwriting, or post-closing review preferred - Mortgage-related certifications or designations are a plus Benefits - Highly subsidized medical insurance - Low-cost dental and vision insurance - 401(k) program - Health Savings Account (HSA) - Generous paid time off and company holidays - Ongoing training, mentorship, and professional development opportunities - A collaborative and supportive work environment that values ownership, innovation, and growth