About Exude, A Division of Patriot Growth Insurance Services: Founded in 1996, Exude is a full-service employee benefits consulting firm with a mission to change the lives of people who are changing the world. We partner with purpose-driven organizations to help them fulfill their missions by supporting their people. That’s not just a tagline-it’s a promise we take seriously. At Exude, we work collaboratively with our clients to understand their goals and challenges, and we develop innovative, tailored solutions that empower their teams. Our approach is rooted in advocacy, service, and a deep commitment to putting our clients and their employees first.

Over the past 27 years, we’ve grown significantly, but our service-based philosophy remains at the heart of everything we do. Our clients rely on us not just for our expertise, but for our unwavering dedication to their success.

If you're passionate about making a meaningful impact and want to be part of a team that values purpose, partnership, and people-we’d love to hear from you.

Position Overview: The Underwriter is responsible for working alongside Account Teams on assigned cases, providing financial analysis and utilizing appropriate tools to evaluate benefit programs. This position plays a key part in marketing required for plan design, carrier selection and proposal presentations for small sized groups.

Work Arrangement: This is a full-time hybrid position supporting our office located at 325 Chesnut Street Suite 1000, Philadelphia, PA.

Professional Responsibilities:

• Performs underwriting and financial support for internal consulting teams and their respective clients with employees under 50 benefit eligible
• Prepares plan design and financial analysis for existing and prospective clients by utilizing modeling tools and various reporting techniques
• Responsible for clients’ benefits marketing process, such as: data acquisition, request for proposal (RFP) preparation, vendor question resolution, proposal review and analysis, and client exhibit and presentation preparation
• Performs the analysis and negotiation of rates and plan options with insurers on behalf of clients to secure optimal, cost-competitive benefit plans
• Provides recommendations and options to consulting team based on the evaluation and determination of alternative coverage, pricing options, and plan design changes related to client goals
• Assists with various reporting for plan change evaluations, budget calculations, and other on-going reviews
• Participates in special underwriting projects as needed
• Maintains quality service standards and organization to assure timely service to team
• Attends relevant workshops as necessary to maintain professional knowledge and licensure
• Adheres to all applicable confidentiality and data security guidelines and ensures the appropriate handling of sensitive information
• Facilitates and attends relevant staff meetings to promote communication and execution of goals
• Completes special projects specific to the function of the department/team or as needed for the department
• Other duties as assigned within the scope of position expectations

Qualifications and Requirements:

• Bachelor’s Degree in Risk Management, Insurance, Actuary, Mathematics and/or other related field is required
• 1-2 years of experience, including internship experience
• Must obtain a Health/Life license within 3 months of hire and complete required certification hours to maintain licensure
• Must be proficient in Microsoft Excel (Data tables, Data manipulation, Formula creation), Word, and PowerPoint
• Effective analytical, math and problem-solving skills, sound judgment, strong decision-making ability, confidence to make difficult decisions and excellent communication skills
• Evidence of having an exacting attention to detail and strong organizational skills
• Strong time-management skills and ability to prioritize workload and responsibilities to meet deadlines
• Qualified candidates must demonstrate intermediate knowledge of:
  • Insurance products, all lines
  • Bid preparation, analysis, and carrier negotiations
  • Funding arrangements
  • Claim analysis
  • Marketplace familiarity
  • Benchmarks
• This position requires subject matter expertise in: Health Care Reform, Consumer Driven Health Plans, and alternative funding strategies
• Excellent interpersonal skills; strong oral and written communications skills
• Because of the nature of underwriting work, time commitments may vary, especially during the peak seasons—incumbent must be able to work variable hours including occasional evening and weekend work to meet deadlines
• Ability to be flexible with job duties and scope of work
• Authorized to work in the U.S. without sponsorship

About Patriot Growth Insurance Services: Founded in 2019, Patriot is a growth-focused national insurance services firm that partners with employee benefits and property and casualty agencies across the United States. Patriot is ranked as the 24th largest broker in the U.S. by Business Insurance and has been named to the 2023 Inc. 5000 list of fastest-growing companies. With more than 2,000 employees operating in over 160 locations across 47 states, Patriot's collaborative model delivers resources and strategic support to its agencies. Patriot creates true alignment with its partner agencies, and its operating philosophy fosters enhanced career opportunities for its dedicated and professional team. We are committed to working with like-minded individuals who share our vision of creating an insurance agency focused on operational excellence and a relentless pursuit of growth.

Patriot offers the opportunity to be a part of a fast-growing company since its inception. We strive to create a flexible and collaborative environment for our employees, and our goal is to provide enhanced career opportunities for our dedicated and professional team.

In addition to a competitive salary, we provide a comprehensive health and welfare program to employees, family members and domestic partners. Employees are eligible for benefits coverage the first of the month following 30 days of employment. We offer:

• Medical, Dental, and Vision Benefits
• Flexible Spending Account (FSA) and Health Savings Account (HSA) and Commuter Transit Programs
• Company paid Short-Term Disability, Long-Term Disability and Group Term Life
• Company paid Employee Assistance Program
• Paid Parental Leave
• Paid holidays
• Personalized PTO
• 401 (k)

Patriot Growth Insurance Services is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, citizenship or immigration status, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws.

This policy applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, layoff, leave of absence, compensation, benefits, and training. Patriot makes hiring decisions based solely on qualifications, merit, and business needs at the time. For more information, read through our EEO and DE&I Policy located on our website at www.patriotgis.com.