Underwriter

Patriot Growth Insurance Services | Scottsdale, Arizona | Hybrid | Full-Time

Why This Role Matters

As an Underwriter, you'll play a critical role in helping clients make informed benefits decisions through financial analysis, risk evaluation, and strategic plan design. Your work will directly influence benefit program performance, cost management, carrier selection, and long-term client outcomes.   Partnering closely with consulting and account teams, you'll support mid-sized to large employer groups by analyzing claims data, modeling plan options, negotiating with carriers, and delivering insights that help clients balance employee needs with business objectives. This role offers the opportunity to combine analytical expertise with client-facing impact in a dynamic benefits consulting environment.

How You'll Make an Impact

• Conduct underwriting, financial, and risk analysis to support consulting teams and client benefit strategies.
• Develop plan design models and financial evaluations that help clients understand coverage options, funding arrangements, and projected costs.
• Lead key components of the benefits marketing process, including data collection, RFP preparation, carrier coordination, proposal analysis, and presentation development.
• Negotiate rates and plan options with insurance carriers to secure competitive and effective benefit solutions for clients.
• Analyze claims experience, utilization patterns, benchmarking data, and plan performance to identify opportunities and risks.
• Prepare employee contribution models, budgeting projections, and strategic recommendations that align with client goals.
• Participate in client meetings and presentations to explain financial findings, plan design considerations, and carrier recommendations.
• Stay current on insurance products, health care reform developments, consumer-driven health plans, alternative funding arrangements, and marketplace trends.

Who You Are

• You enjoy solving complex problems using data, financial analysis, and thoughtful decision-making.
• You balance technical accuracy with the ability to communicate findings clearly to clients and colleagues.
• You maintain exceptional attention to detail and take pride in producing accurate, high-quality work.
• You thrive in a collaborative environment and build strong working relationships across teams and external partners.
• You effectively manage competing priorities and consistently meet deadlines.