Senior Underwriter- Employee Benefits (Northern, CA)

About the role

The Senior Underwriter is a senior-level role responsible for evaluating, analyzing, and managing complex employee benefits underwriting and financial analytics for EPIC clients. This position partners closely with consultants, producers, and client service teams to deliver strategic, data-driven solutions for level funded and self-funded benefit programs. The Senior Underwriter leverages deep industry knowledge, advanced analytical skills, and strong carrier relationships to support client objectives. This role also provides mentorship and oversight to underwriting and analytical support staff and plays a key role in advancing EPIC's value proposition. ESSENTIAL DUTIES AND RESPONSIBILITIES Collaborate with consultants, producers, and account teams to prepare and deliver client-facing financial analyses and presentations Assess complex client risk by analyzing demographics, claims experience, utilization, and market conditions Apply underwriting judgment to develop sound recommendations Project client claims experience to develop budgets, funding strategies, benefit costs, and IBNR reserves Analyze and negotiate stop loss renewals and proposals for financial accuracy, contract terms, and competitiveness Submit coverage specifications and obtain, compare, and evaluate quotes from potential stop loss carriers Serve as the primary underwriting contact with carriers and vendors fostering and maintaining strong relationships Prepare executive summaries that clearly communicate observations, conclusions, recommendations, and next steps Utilize EPIC's standard underwriting tools, templates, and analytical models to develop alternative strategies, plan modeling, and cost-saving opportunities Identify opportunities to expand client relationships through additional product or service solutions Support client retention by delivering high-quality underwriting support and consultative insights Manage and provide guidance to underwriting and analytical support staff; mentor junior team members Assist service teams in educating clients regarding utilization trends, experience reporting, carrier tools, and self-funding concepts Stay current on industry trends, legislation, funding arrangements, and carrier product developments Participate in internal initiatives, peer review processes, and special projects as assigned KEY COMPETENCIES Advanced knowledge of employee benefits coverages and funding arrangements Strong underwriting, financial modeling, and analytical skills Ability to interpret and explain complex data to both technical and non-technical audiences Excellent written, verbal, and presentation skills Proven negotiation skills with carriers and vendors Strong project management, prioritization, and time management abilities Ability to work effectively both independently and collaboratively in a fast-paced environment High attention to detail and commitment to accuracy Proficiency in Microsoft Office applications, particularly Excel, Word, and PowerPoint Ability to navigate carrier portals, data analytics platforms, and EPIC analytical tools EDUCATION AND EXPERIENCE Bachelor's degree required Seven (7) or more years of experience in employee benefits underwriting, financial analysis, or a related role within a brokerage/consulting firm. Demonstrated experience underwriting both fully insured and self-funded benefit programs Experience supporting mid-sized to large, multi-state clients preferred Prior experience mentoring or le

Additional Information

Come join our team! There are many reasons why EPIC Insurance Brokers & Consultants has become one of the fastest-growing firms in the insurance industry. Fueled and driven by capable, committed people who share common beliefs and values and "bring it" every day, EPIC is always looking for people who have "the right stuff" - people who know what they want and aren't afraid to make it happen. Headquartered in New York City and founded in 2007, our company has over 3,000 employees nationwide. With locations spread out across the U.S., our local market knowledge and industry expertise helps support our clients' regional and global needs. We have grown very quickly since our founding, and we continue to see growth and success thanks to our hard-working and growth-minded employees. Our core values are: Owner mindset, Inspire trust, Think big, and Drive results. If these values and growth align with what you're looking for in your next career? Then consider joining our amazing team! Senior Underwriter - Employee Benefits Location: Periodic in-office presence in any of one of our Northern, CA offices (roughly one day a week) is required for internal events, carrier meetings, and client meetings, as needed. Please refer to our EPIC office locations:https://www.epicbrokers.com/about/locations/ Department: Employee Benefits Reporting To: Lead Underwriter Travel: Travel may be required (approximately 5-15 trips per year; typically day trips or overnight)

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