Underwriter Analyst

ABOUT THE JOB

Curative is reimagining health insurance - with straightforward pricing and $0 out of pocket costs with a baseline visit.. Help us create a better healthcare experience for our members by making it easy & intuitive for them to access the care they need.  

We are seeking an Underwriter Analyst to support Curative’s pricing and underwriting processes.  This role will interact directly with sales team members, account management, actuaries, and insurance professionals and will be a key contributor as Curative expands and grows. This is an entry level job, no experience necessary, just a willingness to learn. 

This role is in Austin, TX

PRIMARY RESPONSIBILITIES

• Calculate new business and renewal rates for complex group cases using the template provided based on the analysis of a group’s experience, industry, location, and demographics.

• Review new business proposal data for reasonability and accuracy.

• Lead peer review to ensure accuracy and appropriateness of quotes.

• Maintain underwriting department documentation, including underwriting guidelines as well as policies and procedures and training manuals.

• Coordinate with Sales to ensure the timely delivery of quotes and serve as financial consultant on case-specific requests.

• Develop and monitor account level claims experience reporting to perform retrospective review of rates and achieve profitability targets.

• Track and recommend effective pricing strategies by market and product for leadership.

• Support client contracting and account set up, including validation that terms align with quoted parameters.

• Maintain strong relationships and lines of communication with internal and external stakeholders.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill, and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions:

•  Analytical skills and creative problem-solving abilities with attention to detail.

• Able to translate and effectively communicate financial models and the results of underwriting analyses.

• Capable of working on multiple projects under tight deadlines.

• Excellent organizational and time management skills.

EDUCATION and/or EXPERIENCE

• Bachelor’s degree in business, finance, economics, mathematics, statistics, economics, actuarial science, business, computer science or related degree

• Experience with excel/google sheets

• Experience in insurance industry, data analysis or data management a plus

• Knowledge of SQL queries a plus

ABOUT CURATIVE

Curative is a leading health care services company with an AM-Best rating of A- that has created and launched a first-of-its-kind employer-based health insurance plan. Co-founded by CEO Fred Turner and CTO Isaac Turner (no relation) in 2020, Curative is reengineering health insurance by providing unmatched simplicity and cost transparency with a competitive monthly premium and zero additional costs*. Curative is remaking our healthcare system into one that works for and supports members’ whole health and well-being through every step of their personal health journey. Previously, Curative and its managed medical entities were national leaders bringing COVID-19 testing and vaccine-administration resources to bear in response to the pandemic. For more information on Curative, visit https://curative.com/, or follow us on Facebook, Instagram, Twitter, or LinkedIn.

*To qualify, members need to complete a Baseline Visit within 120 days of the plan's effective date, which kicks off support of the member’s well-being through every step of their health journey.