Underwriting Analyst

Do you want to be part of a collaborative underwriting team? Do you think big and grow, accelerate impact and lead change? Is a culture where “People Count,” “We Do the Right Thing,” and “We Hold Ourselves to Very High Standards” important to you? If so, Guardian is seeking an Underwriting Analyst to effectively manage a book of business in support of key financial and performance measures. 

For this occupation we provide:

• On the job training and mentoring.

• Real time and consistent feedback.

• Dedicated mentors, managers, and peers to assist with onboarding, training, career and leadership development.

• Broad knowledge of cross-functional initiatives, experience, and career contacts.

• Opportunities to interact with managers and senior leadership.

The Group Insurance Underwriting Department supports the needs of small to mid-size companies nationwide and offers these businesses a superior customer experience on a broad base of group insurance solutions. Our full portfolio of products and services enables companies to customize benefit plans to meet their employee’s needs. In addition to dominating the small end of the employer market, Guardian is focused on growing and enhancing our competitiveness for New Business and Renewal Underwriting employer groups.

You Will

• Assess information available and make effective risk decisions in accordance with established company guidelines and procedures, eventually leading to new business sales and continuance of existing business.

• Act as a consultant to internal partners and customers, providing benefit recommendations to potentially improve program financial performance and the customer’s retention and satisfaction results.

• Effectively negotiate risk appropriate pricing and plan designs with distribution team.

• Develop and position recommendations to drive favorable results.

• Be responsible for relationship management and a positive customer experience.

• Effectively work as part of a regional Underwriting Team. Proactively supporting sales by effectively managing cases, identifying trends and opportunities.

• Perform financial analysis to determine risk classification according to company guidelines.

• Communicate with the salesforce, brokers, and internal partners to acquire necessary information, solve problems, and convey decisions.

You Have

• Group Insurance Rating/Underwriting Experience or Undergraduate degree in Risk Management, Economics, Finance, Business or Mathematics is preferred with a minimum GPA of a 3.0 on a 4.0 grade scale.

• Strong analytical skills with the ability to evaluate large quantities of data, ask probing questions and derive conclusions coupled with the ability to make accurate decisions in a limited timeframe.

• Strong math skills to analyze financial data.

• Demonstrated ability to solve problems creatively.

• Exceptional interpersonal skills including written and verbal communication skills.

• Proven organizational skills and ability to multi-task.

• Demonstrated leadership skills work or college experience.

• Experience in using Microsoft Outlook, Word, Excel and PowerPoint applications.

• Prior knowledge of Group Insurance products/processes is a plus.

Location

• Work from home flexibility. You can work from any Guardian office locations in Bethlehem, PA; Holmdel, NJ; and Hudson Yards, NY. We will consider fully remote candidates if experience is aligned.

Salary Range

$47,230.00 - $70,840.00

The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.

Our Promise

At Guardian, you’ll have the support and flexibility to achieve your professional and personal goals.  Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.

Inspire Well-Being

As part of Guardian’s Purpose – to inspire well-being – we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues.

Health Care

• Choice of [high deductible/copay] medical plans* with prescription drugs, including coverage for fertility and transgender inclusive bene