Underwriter I (entry level), II, III, Senior or Lead 

Work from home within Oregon, Washington, Idaho or Utah 

Build a career with purpose. Join our Cause to create a person-focused and economically sustainable health care system.  

Who We Are Looking For: 

Every day, Cambia’s dedicated team of Underwriters is living our mission to make health care easier and lives better. As a member of the Underwriting team, our Underwriters carefully evaluate each assigned group’s risk and attach the appropriate rate – all in service of creating an economically sustainable health care system.  

Do you have a passion for serving others and learning new things? Do you thrive as part of a collaborative, caring team? Then this role may be the perfect fit. 

What You Bring to Cambia: 

Qualifications:  

The Underwriter I would have a Bachelor’s degree in business, math, statistics or related discipline or an equivalent combination of education and experience.

The Underwriter II would have a Bachelor’s degree in business, math, statistics or related discipline and a minimum of 2 years related experience or an equivalent combination of education and experience.

The Underwriter III would have a Bachelor’s degree in business, math, statistics or related discipline and a minimum of 4 years related experience or an equivalent combination of education and experience.

The Underwriter Senior would have a Bachelor’s degree in business, math, statistics or related discipline and a minimum of 6 years related experience or an equivalent combination of education and experience.

The Underwriter Lead would have a Bachelor’s degree in business, math, statistics or related discipline and a minimum of 8 years related experience or an equivalent combination of education and experience. 

Skills and Attributes: 

Demonstrated analytical and problem solving skills. (UW I – Lead)

Business sense including:  finance, accounting, economics, and risk management principles. (UW I – Lead)

Effective verbal and written communications. (UW I – Lead)

Ability to build and maintain positive internal and external customer interactions. (UW I – Lead)

Ability to prioritize tasks and meet deadlines. (UW I – Lead)

Demonstrated technology proficiency, including Excel, Word, and applicable software applications. (UW I – Lead)

Demonstrated success with managing competing priorities and workload (UW II – Lead)

Demonstrated proficiency working with complex computer software systems and automation. (UW III – Lead)

Ability to effectively explain complex mathematical and abstract concepts to a variety of stakeholders, including those with less familiarity and/or understanding. (UW III – Lead)

Proven understanding of business, including:  finance, accounting, economics, and risk management. (Senior & Lead)

Demonstrated attainment of a high level of independent, consistent performance. (Senior & Lead)

Ability to organize, plan, prioritize and complete complex assignments with little or no supervision. (Senior & Lead)

Demonstrated ability to read the marketplace and competitive environment. (Senior & Lead)

Highly developed business acumen, finance, accounting, economics, and risk management. (Lead)

What You Will Do at Cambia:  

 UW I - Lead

Approves renewal changes after verifying rates and product selection.

Audits both new and renewing groups as necessary.

Determines rates for alternative benefit variations.

Ensures that group participation requirements are met.

Prepare rate filings.

Follows underwriting guidelines, policies, procedures and formulas in developing rates for new and renewal groups.

Gathers the appropriate data used to determine the status of account refunds.

Maintains spreadsheet information on group renewal history.

Prepares memos and other correspondence to communicate changes in rates or benefits which have been approved by underwriting management.

Processes the appropriate paperwork associated with renewal rate action and proposal closing.

Supports internal sales staff regarding underwriting questions and/or resolves issues.

Effectively communicates Underwriting decisions to other departments when necessary.

UW II – Lead

May determine rates for alternative benefit variations and funding arrangements.

Assist in the training process and mentoring of more junior level Underwriters.

Prepares contingent premium settlements.

Prepares the rate quotations and completes bid specifications.

Processes group financial settlement calculations.

Reviews and determines whether or not to grant exception requests.

Supports management reporting efforts and the development of automated rating and analysis tools.

UWIII – Lead

May determine rates for alternative benefit variations and more complex funding arrangements.

Actively involved in the preparation and maintenance of underwriting guidelines and rating policy.

Actively involved with testing new rating, underwriting and front end systems.

Answers questions regarding the basic factors used in developing rates, (group size, type of benefits, age/gender composition, large claims, experience provided from the prior carrier, current rates).

Answers questions regarding the rate model and how it impacts rates in accordance with particular group demographic changes.

Assesses health risk in a group environment (performs large claim analysis for ongoing claim cost).

Develops prospective and renewal rates for group accounts in accordance with corporate and underwriting guidelines.

Reviews and determines whether or not to grant exceptions to underwriting policy.

Ensures the proper administration of underwriting and legislative guidelines for new and renewing groups.

Handles large volume production with account specific issues (I.e. reinstatements, eligibility standards, group identification criteria, etc)

Maintains a working knowledge of State and Federal regulations affecting group rating.

Prepares rate breakouts and hierarchy definitions for group setups.

Reviews and directs the preparation of experience reports for fiscal, ERISA and contingent premium settlements.

May meet with external customers, brokers or account representatives to review underwriting calculations and provide explanations for rating principles.

May prepare written summaries of recommendations and/or conditions of coverage for the group after completion of each analysis.

May prepare an explanation of the past rating history, documenting benefit and enrollment changes, and providing a recommendation for benefit and financial options. 

UW Senior & Lead

Contribute to timely and accurate productivity by assisting the Manager in education to new Underwriters.

Attends broker meetings, as well as meetings with sales executives, agents and/or groups to provide explanations of rating principles or rationale of rating positions.

Contributes to the development of new rating formulas, methodologies and guidelines.

Represent underwriting on Cambia workgroups and strategy sessions and serves as department representative where applicable.

UW Lead

Responsible for the assignment of workload and ensuring smooth operations.

Tracking timeliness and quality of work output.

May be responsible for peer review and sign-off.

The expected hiring range for a Underwriter I is $22.53 - $32.78 per hour depending on skills, experience, education, and training; relevant licensure / certifications; performance history; and work location. The bonus target for this position is 5%.  The current full salary range for this role is $21.20 to $37.50 per hour.

The expected hiring range for a Underwriter II is $56,100.00 - $75,900.00 depending on skills, experience, education, and training; relevant licensure / certifications; performance history; and work location. The bonus target for this position is 5%.  The current full salary range for this role is $56,000.00 to $86,000.00.

The expected hiring range for a Underwriter III is $68,000.00 - $92,000.00 depending on skills, experience, education, and training; relevant licensure / certifications; performance history; and work location. The bonus target for this position is 10%.  The current full salary range for this role is $64,000.00 to $104,000.00.                                                                 

The expected hiring range for a Underwriter Sr is $82,500.00 - $111,600.00 depending on skills, experience, education, and training; relevant licensure / certifications; performance history; and work location. The bonus target for this position is 10%.  The current full salary range for this role is $77,000.00 to $127,000.00.

The expected hiring range for a Underwriter Ld is $91,000.00 - $123,100.00 depending on skills, experience, education, and training; relevant licensure / certifications; performance history; and work location. The bonus target for this position is 15%.  The current full salary range for this role is $85,000.00 to $140,000.00.                                                                 

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About Cambia

Working at Cambia means being part of a purpose-driven, award-winning culture built on trust and innovation anchored in our 100+ year history. Our caring and supportive colleagues are some of the best and brightest in the industry, innovating together toward sustainable, person-focused health care.  Whether we're helping members, lending a hand to a colleague or volunteering in our communities, our compassion, empathy and team spirit always shine through.

Why Join the Cambia Team?

At Cambia, you can:  

Work alongside diverse teams building cutting-edge solutions to transform health care.  Earn a competitive salary and enjoy generous benefits while doing work that changes lives.  Grow your career with a company committed to helping you succeed. Give back to your community by participating in Cambia-supported outreach programs.  Connect with colleagues who share similar interests and backgrounds through our employee resource groups.  

We believe a career at Cambia is more than just a paycheck – and your compensation should be too. Our compensation package includes competitive base pay as well as a market-leading 401(k) with a significant company match, bonus opportunities and more.  

In exchange for helping members live healthy lives, we offer benefits that empower you to do the same. Just a few highlights include: 

Medical, dental and vision coverage for employees and their eligible family members, including mental health benefits. Annual employer contribution to a health savings account.  Generous paid time off varying by role and tenure in addition to 10 company-paid holidays. Market-leading retirement plan including a company match on employee 401(k) contributions, with a potential discretionary contribution based on company performance (no vesting period). Up to 12 weeks of paid parental time off (eligibility requires 12 months of continuous service with Cambia immediately preceding leave). Award-winning wellness programs that reward you for participation. Employee Assistance Fund for those in need. Commute and parking benefits. 

Learn more about our benefits. 

We are happy to offer work from home options for most of our roles. To take advantage of this flexible option, we require employees to have a wired internet connection that is not satellite or cellular and internet service with a minimum upload speed of 5Mb and a minimum download speed of 10 Mb.

We are an Equal Opportunity and Affirmative Action employer dedicated to workforce diversity and a drug and tobacco-free workplace. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, age, sex, sexual orientation, gender identity, disability, protected veteran status or any other status protected by law. A background check is required.

If you need accommodation for any part of the application process because of a medical condition or disability, please email CambiaCareers@cambiahealth.com. Information about how Cambia Health Solutions collects, uses, and discloses information is available in our Privacy Policy.