Janet Howson

* Currently, on Local Underwriting New Business West Region Team.

* Evaluate claims experience and medical reports to assess risk for 100+ groups in KY and MO

• Prepared detailed reports on underwriting decisions and rationale for management review.
• Maintained accurate records of all transactions within underwriting software systems.
• Reviewed underwriting guidelines to ensure compliance with company policies and regulations.
• Analyzed risk factors to determine appropriate coverage options for clients.

* Evaluated claims experience and medical reports to assess risk for large group new business and renewal proposals.

* Mentor junior underwriters in quoting ASO stop loss proposals

• Identified potential risks through meticulous analysis of clients'' financial profiles, effectively minimizing losses.
• Documented underwriting decisions and provided evidence of compliance with applicable regulations.
• Evaluated risk factors and underwriting guidelines to determine policy eligibility.
• Collaborated with cross-functional teams to streamline underwriting processes and enhance efficiency.

* Reviewed and analyzed claims experience and/or medical applications for the pricing of new business large groups

* Trained/mentored coworkers in the pricing of groups with 51-99 employees

* Managed and negotiated the pricing of all groups with 100+ employees.

* Reported directly to the VP of Underwriting and provided back up support in his absence.

* Maintained the Underwriting manual and P & P's

* Managed a large group book of business by providing new business and renewal pricing.

* Evaluated claims experience and medical reports to assess risk.

* Provided monthly reporting to the VP of Underwriting showing the total membership, and medical loss ratio for the block of business

* Reorganized and wrote the Underwriting Manual

* Analyzed claims experience and medical reports for pricing large group new business and renewals.

* Reviewed medical applications for pricing of small group new business.

* Provided monthly analyze of the small group block of business and set the risk adjustments for renewals.

* Analyzed claims experience and medical reports to price large group new business and renewals.

* Managed the Wholesale Trade Trust Association and KCIT quarterly renewals.