Job Description

Job Title: Underwriter IV
Job ID: 633181
Status: Full-Time
Regular/Temporary: Regular
Hours: 8:30 a.m. to 5 p.m.
Shift: Day Job
Facility: UPMC Health Plan
Department: Underwriting
Location: 600 Grant St, Pittsburgh PA 15219


Do you have at least seven years group underwriting experience? Are you a proven leader who is looking to join a growing team? UPMC may be the perfect fit for you!

UPMC is hiring a full time Underwriter IV to support UPMC Health Plan. The Underwriter IV will be expected to perform the most complex rating projects for the largest and/or high profile groups. They will assist the underwriting department manager with administrative tasks and provide peer review at the highest non-managerial level. The role will need to represent the underwriting department in meetings with other functional areas. This individual should be someone with exposure to fully insured ASO, stop loss and alternate funding arrangements.

An Underwriter IV works in conjunction with the manager of the underwriting department to construct and maintain the underwriting guidelines; to interact with all the various departments that underwriting supports or receives support from; to stay current with state regulations and FEHB requirements and implement processes to ensure compliance to
these entities; to act as a mentor/trainer for the underwriting department as it pertains to risk assessment, including the determination of both the financial and non-financial impact to the Health Plan. Works in conjunction with the manager of underwriting and actuarial services to ensure that the underwriting rating process is in line with the Health Plan's financial
projections as determined by the Finance Department.


  • Assist department manager with administrative tasks including assignment of cases to underwriters, distribution of plan grids from product development, case tracking, reporting and other administrative items.
  • Deliver and explain renewal rating actions to current clients as well as rating actions to prospective clients and their consultants/brokers.
  • Develops and maintains the underwriting policy, procedure and guidelines.
  • Lead the underwriting staff in developing new and more effective ways to illustrate and communicate cost drivers and rate justifications.
  • Manage and develop the entire underwriting department with focus on the small group underwriters, medical underwriters and administrative staff.
  • Manages the development and maintenance of training documents and processes for the staff relative to experience rating and the explanation of the developed rates.
  • Monitor Large Group Underwriting book of business results and communicate to underwriting team.
  • Monitor plan performance and develop a plan of action to deal with situations when results deviate from the expected values.
  • Responsible for conducting all performance reviews for the department.
  • Responsible for maintaining an individual case load which will include the largest, most complex and/or high profile groups.
  • Responsible for managing the day to day activities of the Underwriting department.
  • Serve as a resource for pricing and risk analysis expertise.
  • Take an active role in the peer review of the work of Large Group Underwriters based on Authority Guidelines.
  • Utilizes and applies the underwriting guidelines appropriately and the ability to perform additional risk analysis.
  • Work with underwriting management and Actuarial Services in the development of underwriting policy, procedures and rating tools.
  • Works in conjunction with actuarial department to develop and maintain rating tools.


  • Bachelors degree with a major in Mathematics, Finance, or Business Administration is required or equivalent work history.
  • Minimum of seven years of experience in group underwriting is required.
  • Extensive exposure to rating group business based on claims experience and alternative funding methodologies, as well as with selection issues involved in small group rating.
  • Must possess computer skills, including knowledge of Excel, and demonstrate competency in mathematics, attention to detail, and the ability to work in teams
  • Experience with an insurance carrier as well as a consulting firm preferred.
  • Previous supervisory or management experience preferred.

    Licensure, Certifications, and Clearances:
    UPMC is an equal opportunity employer. Minority/Females/Veterans/Individuals with Disabilities

Salary Range: $32.95 to $55.80

Union Position: No

At UPMC, our shared goal is to create a cohesive, positive, experience for our employees, patients, health plan members, and community. If you too are driven by these values, you may be a great fit at UPMC!


UPMC provides a total rewards package that can help you achieve the goals you have for your career and your personal life. Whether you want to learn a new skill through a training course, reach personal health and wellness targets, become more involved in your community, or follow a career path that provides you with the right experience to be successful, UPMC can help you get to where you want to be.

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