Optimyl Benefits is seeking a Senior Underwriter to play a crucial role in pricing, quoting, and analyzing the structure of contracts and policies for group employers. This position requires a deep understanding of group demographics, medical questionnaires, claims experience, and other unique risk characteristics. The Senior Underwriter will utilize their discretion within the underwriting authority to ensure that all actions align with Optimyl's policies while maintaining appropriate levels of profitability and growth over time. In this role, the Senior Underwriter will be responsible for identifying when to decline quotes that do not fit the overall strategy and risk structure of Optimyl. They will analyze risk factors for new business enrollments, annual renewals, and amendments, ensuring compliance with established underwriting policies, practices, and standards. The position also involves analyzing associated policies, guidelines, and market data to enhance risk management, secure appropriate enrollment, and manage existing memberships effectively. The Senior Underwriter will evaluate various data points, including the financial conditions of organizations, participation percentages, industry types, and individual participant characteristics based on past claims experience. This analysis will inform the benefits that can be offered and the rates that will be set. Additionally, the role includes preparing a variety of reports and providing rationale and support to other areas within the organization, including producers, regarding underwriting results, rate computations, and financial activity. This is a mid-level position that operates with minimal oversight from management, allowing the Senior Underwriter to take ownership of their responsibilities and contribute significantly to the company's objectives. The role requires a proactive approach to managing a book of business, ensuring profitable levels of new business writing, and achieving overall business targets.