Underwriter

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.

- You adapt quickly to changing client needs, market conditions, and project demands.

- You approach challenges with curiosity and stay committed to continuous learning within the insurance and benefits industry.

What You Bring

Day One:

- Bachelor's degree in Risk Management, Insurance, Actuarial Science, Mathematics, or a related field.

- 5 to 7 years of experience within the employee benefits brokerage, consulting, or insurance industry.

- Active Life, Accident, and Health insurance license, or the ability to maintain required licensure in accordance with role expectations.

- Strong proficiency in Microsoft Excel, including data tables, data manipulation, and formula creation.

- Proficiency in Microsoft Word and business reporting tools.

- Experience with underwriting, financial modeling, claims analysis, and benefits plan evaluation.

- Knowledge of insurance products, carrier negotiations, funding arrangements, benchmarking, and benefits marketplace dynamics.

- Strong analytical, mathematical, problem-solving, communication, and organizational skills.

- Ability to work flexible hours during peak business periods to meet client and project deadlines.

Valuable Additions:

- CSFS or comparable industry certification.

- Advanced experience supporting large-group employee benefits programs.

- Subject matter expertise in Health Care Reform, Consumer Driven Health Plans, and alternative funding strategies.

- Experience presenting financial analyses and recommendations directly to clients.

- Familiarity with advanced reporting, forecasting, and benefits analytics tools.

Real Benefits for Real Life

At Patriot, great benefits mean more than coverage; they mean being there through every stage of life: your health, your family, your financial future, or simply time to recharge. Whether you're working or not, life doesn't stop. Neither should your benefits.

Highlights Include:

- Multiple medical plan options, with preventive care covered at 100%

- Free virtual medical and mental healthcare for employees and their families, plus a dedicated healthcare concierge to help you navigate benefits, compare prescription costs, and make more confident, personalized care decisions

- Employer-paid short-term and long-term disability coverage

- Paid parental leave

- Personalized PTO that lets you take time away when you need it, without traditional accruals, plus separate sick leave

- Competitive 401(k) company match to help you build your financial future

- Comprehensive dental and vision coverage

- Employee Assistance Program with confidential mental health, legal, financial, and work-life support

About Patriot Growth Insurance Services

At Patriot, we build our teams around a simple idea: people do their best work when they feel supported as whole people, not just managed as employees. We're invested in your growth, not just your output, and we back that up with a competitive salary and a comprehensive health and welfare program that extends to your family and domestic partners too, because who you're building a life with matters to us as much as the work you do.

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. We're currently ranked the 25th-largest broker in the U.S. by Business Insurance and were named to the 2025 Inc. 5000 list of fastest-growing companies. With over 2,100 employees operating in 150+ locations across more than 45 states, our collaborative model gives every person and every agency the resources and support they need to grow, while each agency keeps its own identity, culture, and way of doing business. That growth has never been about numbers alone, it's about the people behind them.

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.

Pay Range: Posted below*

*Any job offer is based upon a salary analysis to comply with applicable state pay transparency laws, considering relevant experience, education, certifications, and seniority as compared to others doing substantially similar work. There is no guarantee an offer will be at the top of the posted range based on the salary analysis. Roles may also be eligible for a supplemental compensation, such as performance-based bonus, commission, or equity. Specific eligibility will be discussed with Talent Acquisition team.

Patriot Growth Insurance Services offers a comprehensive benefits package, including medical, dental, and vision insurance; a 401(k) with company match; personalized time off and company paid holidays.

Pay Range $115,000 — $135,000 USD