• Serve as a customer industry advocate with a focus on improving the customer experience • Use a disciplined approach to exposure evaluation, risk assessment, and pricing • Utilize risk insights, data, and models to drive informed decisions at point of sale • Market facing and production within the growing Construction division • Administer and monitor underwriting rules and guidelines, insurance laws and regulations, and rating manual rules • Work within broad limits and authority on complex assignments

• Leads and directs the regional underwriting process • Enforces guidelines and procedures established by Corporate Office Underwriting • Develops and enforces underwriting guidelines and procedures specific to their region • Models smart and effective underwriting practices for individual accounts, all lines of business, and different classes • Sets and implements strategies to address challenges to profit and communicates strategies throughout the underwriting department • Answers questions, shares recommendations for complex situations, such as difficult accounts, communication strategies or problematic agency relationships and explains the rationale for recommendations • Monitors business results to ensure that underwriters operate within authority limits, guidelines, and region service directives while matching price to quality across the book of business and meeting rate goals • Serves as the subject matter expert for the region and makes final decisions on complex or high-risk accounts • Reviews updates received from Corporate Office Underwriting and communicates changes to team • Oversees and directs the underwriting department team, focusing on both long-term and short-term success • Collaborates with team members to establish performance goals and monitors status, conducts reviews, and provides coaching • Interviews, hires, and recommends salary adjustments for team members • Resolves disciplinary issues, reviews results, action plans, and progress • Organizes and plans educational opportunities for the underwriting team, including presenting out on results of trainings • Develops team expertise and completes succession planning, including identifying talent and implementing development plans for critical positions • Supports diversity and inclusion initiatives • Fosters an innovative culture, including supporting new ideas and providing guidance on potential changes • Partners closely with the region's Human Resources Business Partner Manager to identify training needs for the department and individuals and ensure that it is delivered • Partners with Underwriting Supervisors oversee workloads and workflow processes to ensure that branch objectives can be met • Directs existing and develops and fosters new agency relationships to grow profitable relationships and rehabilitate unprofitable and low growth relationships • Meets with and educates agents to develop their understanding of on EMC products, underwriting appetite, systems and services to help generate a flow of quality new business opportunities • Delivers effective presentations to existing and potential new agents as well as agent associations to develop and strengthen EMC\u2019s brand in the marketplace and agents impression of EMC • Monitors progress of underwriters\u2019 assigned agents and guides underwriters and agents in achieving annual goals • Seeks feedback from agents and takes action to improve their experience and underwriting responsiveness and grow profitable books of business • Collaborates with Branch Vice President to determine underwriting strategy and practices and establishes short-term and long-term underwriting goals • Participates in the region's 3-year plan, including leading the discussion on underwriting trends and implications on profitability • Analyzes insurance trends in the operating area and industry with respect to general coverages, rates and market conditions in order to help find profitable segments to grow in • Coordinates with other region teams, including claims, marketing, premium audit and risk improvement, to identify and address opportunities for improvement and to drive profitable growth, and offset threats to profit • Performs audits on new business and renewals for compliance with Sarbanes Oxley, letters of authority, and quality and completeness of the underwriting being done in the region • Analyzes company reports and experience data to determine and implement necessary changes in region underwriting policies and practices • Coordinates with underwriters, marketing and region management in the agency management process including planning and agency review meetings • Identifies opportunities and potential barriers within agency relationships • Develops strategies and delegates tasks to team members to address problem agencies and grow profitable business at high-performing agencies

Role Description As an Underwriting Service Specialist, your role is to ensure account service delivery meets and exceeds our customer’s expectations. The Underwriting Services Specialist utilizes customer service skills, established processes, and various software applications to ensure Service Level Agreements (SLA’s) are met. The Underwriting Service Specialist works cross-functionally and is responsible for analyzing key pieces of information, determining the appropriate course of action and handling issues. This position collaborates with underwriters, corporate resources, and global teams to ensure we meet both internal and external commitments. Responsibilities and Accountabilities - Policy & endorsement issuance - File documentation and set-up - Order, prepare and/or update reports - Policy Rating and/or initial entry into rating model - Processing of various underwriting transactions and requests - Correspond with brokers for information at Underwriter’s request - Booking/Invoicing - Other duties and special projects as assigned Qualifications - Analytical and problem solving ability - Detail-oriented - Customer-focused - Collaborative and team-oriented - Strong communication and organizational skills Requirements - Bachelor’s Degree preferred - 2+ Years experience in same or related field preferred Benefits - Multiple medical plans plus dental, vision and prescription drug coverage - Competitive 401k with generous matching - PTO beginning at 20 days per year - Up to 12 paid company holidays per year plus 2 paid days of Volunteer Time Off - Basic Life and AD&D Insurance as well as Short and Long-Term Disability - Paid Parental Leave of up to 10 weeks - Student Loan Assistance and Tuition Reimbursement - Backup Child and Elder Care - And more

Title: Underwriting Consultant Location: 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. Requisition number: 2360025 Job category: Underwriting & Pricing Primary location: Hartford, CT Additional locations: Chicago, Illinois 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. 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. Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants. 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. UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment.