Underwriter

BlueCross BlueShield of Tennessee is recruiting top talent to join our Underwriting organization! On this team, you'll play a critical role in supporting the health and financial well-being of our 3.4 million customers.

We're considering candidates for Underwriter roles and Senior Underwriting roles. Whether you’re early in your career or bring years of specialized experience, we'd like to hear from you.

Minimum Qualifications:

• • Bachelor’s Degree in Mathematics, Finance, Accounting or related field or equivalent work experience.
  • At least 2 years – Stop Loss UWg, Financial UWg, Actuarial, or Fin. Mgmt experience
  • Proficiency with Excel

What We’d Be Excited to See:

• • Experience with Stop-Loss and/or Financial Underwriting
  • Actuarial and/or Financial Management experience
  • Experience supporting group healthcare underwriting functions within major health insurance organizations
  • Passion for predictive analytics (including leveraging generative and/or agentic AI tools)

Additional Information:

• • This is a full-time, fully remote position.
  • During our peak season from October – December, additional hours may be required, including weekends.
  • Exact title, leveling, and offer details will be determined only after an interview (and is dependent on your individual skills, experience, and interview performance).
  • Location: Candidates residing within a 2-hour drive of our Chattanooga, TN headquarters are preferred.
  • Time Zone: Candidates located in the Eastern or Central Time Zones are preferred.
  • Benefits begin the first date of employment. Our medical policy contains no pre-existing exclusions or waiting periods.
  • We cannot currently hire candidates residing in CA, MA, NH, NJ, or NY.
  • Sponsorship is not available for this role.
  • We are not accepting unsolicited assistance from search firms for this employment opportunity.
  • Receiving an invitation to interview does not guarantee employment.

Job Responsibilities

• Collecting information, contacting sales, account managers, agents, and other parties as appropriate to clarify and correct inconsistent, incorrect or missing group health application information.
• Perform risk appraisals for group health insurance prospect and renewals and associated underwriting documentation; evaluating and classifying group risk to determine acceptability, coverage and pricing.
• Calculating and negotiating rates and premium charges for group health insurance using approved formulas and tables
• Corresponding with sales, account managers, agents, and other parties regarding group health insurance products, features, and pricing.
• Assisting the on-going maintenance and enforcement of underwriting guidelines as well as providing underwriting expertise to projects in support of sales, marketing, membership and billing, legal or actuarial organizations.

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Job Qualifications

Education

• Bachelors Degree in Mathematics, Finance, Accounting or related field or equivalent work experience.

Experience

• 2 Years - Stop Loss UWg, Financial UWg, Actuarial, or Fin. Mgmt. experience

Skills\Certifications

• Excellent oral and written communication skills
• Proficient in Microsoft Office (Outlook, Word, Excel and PowerPoint)
• Effective analytical, planning, interpersonal, organizational and research skills with the ability to handle multiple projects
• Ability to work independently with minimal supervision or function in a team environment sharing responsibility, roles and accountability.
• Effective negotiation, presentation, and facilitation skills

Number of Openings Available

0

Worker Type:

Employee

Company:

BCBST BlueCross BlueShield of Tennessee, Inc.

Applying for this job indicates your acknowledgement and understanding of the following statements:

BCBST will recruit, hire, train and promote individuals in all job classifications without regard to race, religion, color, age, sex, national origin, citizenship, pregnancy, veteran status, sexual orientation, physical or mental disability, gender identity, or any other characteristic protected by applicable law.

Further information regarding BCBST's EEO Policies/Notices may be found by reviewing the following page:

BCBST's EEO Policies/Notices

BlueCross BlueShield of Tennessee is not accepting unsolicited assistance from search firms for this employment opportunity. All resumes submitted by search firms to any employee at BlueCross BlueShield of Tennessee via-email, the Internet or any other method without a valid, written Direct Placement Agreement in place for this position from BlueCross BlueShield of Tennessee HR/Talent Acquisition will not be considered. No fee will be paid in the event the applicant is hired by BlueCross BlueShield of Tennessee as a result of the referral or through other means.

About Us

As Tennessee's largest health benefit plan company, we've been helping Tennesseans find their own unique paths to good health since 1945. More than that, we're your neighbors and friends – fellow Tennesseans with deep roots of caring tradition, a focused approach to physical, financial and community good health for today, and a bright outlook for an even healthier tomorrow.

What We're Looking For

At BCBST, we empower our employees to thrive both independently and collaboratively, creating a collective impact on the lives of our members. We seek talented individuals who excel in a team environment, share responsibility, and embrace accountability.

We're also seeking candidates who are proficient in the Microsoft Office suite, including Microsoft Teams, organized, and capable of managing multiple assignments or projects simultaneously. Additional, strong interpersonal abilities along with strong oral and written communication skills are important across all roles at BCBST.

We foster a culture where innovation is encouraged. That includes using AI enabled tools responsibly to support everyday work — guided by proven workflows, templates, and policies. As roles become more advanced, we expect employees to leverage AI more broadly to transform how we serve members.

Remote First

BCBST is a remote-first organization with many employees working primarily from their homes. Each position within the company is classified as either fully remote, partially remote, or office based.

BCBST hires employees for remote positions from across the U.S. with the exception of the following states: California, Massachusetts, New Hampshire, New Jersey, and New York. Applicants living in these states may move to an approved state prior to starting a position with BCBST at their own expense. If the position requires the individual to reside in Chattanooga, TN, they may be eligible for relocation assistance.