Summary
Overview
Work History
Education
Skills
Timeline
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Chris Scott

Hopkins,MN

Summary

With 25+ years as an underwriter with United HealthCare, including time spent in the Small Group world but primarily in Key Accounts, handling new business and renewals within the fully insured, level funded and ASO funding arrangements, I bring a wealth of experience across many markets, segments and funding arrangements within the UHC family.

I have worked up from a new hire line underwriter (mentored by Dave Trossen!) to Market Advisor/Team Lead positions. With focuses on market targets, innovation and efficiency, building relationships with numerous markets across the country, I am very familiar with what it takes to be a strong partner to our health plans and leverage our collective strengths to achieve optimal results.

I have expertise in risk assessment, policy evaluation, and client management. Proven ability to drive collaborative efforts within teams, adapting to evolving requirements to achieve optimal results. Skilled in financial analysis, regulatory compliance, and strategic decision-making. Respected for reliability, integrity, and results-driven approach. I am well versed with our fast paced and ever changing environment and am ready to bring these attributes to your team.

Overview

25
25
years of professional experience
5
5
years of post-secondary education

Work History

Senior Underwriting Consultant

United Healthcare
Minnetonka, MN
01.2010 - Current
  • I transitioned back to Key Accounts due to a desire to work with larger groups and continue my growth with opportunities to work on both fully insured and self-funded (ASO) arrangements.
  • In the Desert Mountain States (which encompasses 7 states) we have built strong relationships with the field that have allowed us to work collaboratively in our efforts to meet or exceed our new business and persistency targets.
  • I have had opportunities to work on complex cases, develop products and processes (Rewards Now, Plan Change Tab in pricing tools, etc) and head up projects with the goal of improving efficiency and optimizing our tools.
  • I have built many strong relationships internally with our team and externally with our field partners and elsewhere around our organization.
  • These relationships, along with competitive pricing and a consultative approach, have led to strong performance this year that I look to carry forward.
  • Teamwork: Have built strong relationships that are a significant advantage both internally and externally when working through the routine challenges we face and especially in the more complex situations we deal with from time to time.
  • Negotiation: Try to maximize revenue while still meeting our growth and persistency goals. Will push when necessary to drive the desired results.
  • Analysis: Perform detailed analysis on new business and renewal opportunities, research prospects and do everything possible to position our quote as competitively as possible.
  • Process Optimization: Initiated a project to streamline the plan modification process. Worked with partners in several areas of the company, including actuary, to achieve our goal, which we did.
  • Consensus building: Have worked hard to develop relationships internally and externally. This solid foundation allows us a better opportunity to work together to find solutions to challenging and complex problems.
  • Mentoring: I have mentored several new underwriters over the years. I have enjoyed working with them and helping them to better understand what it is that an underwriter does.

Team Lead Financial Underwriting

United Healthcare
Minnetonka, MN
01.2008 - 01.2010
  • Supervised 3-person team responsible for all new business and renewal opportunities in North and South Carolina for the 1-99 life employer group markets.
  • Managed over 120,000 United Healthcare members with $38 million in annual premium, assessed risk and provided new business and renewal pricing, negotiating final pricing actions, ensuring profitability, analyzing opportunities and finding solutions when problems arise.
  • Tasked with achieving budget in terms of membership, gross margin, cost containment, etc.
  • Worked closely with Underwriting and Health Plan leadership to prepare studies, analyze results, review forecasts and partner to develop short and long-term pricing, product, membership and margin goals.
  • Analysis: Performed weekly, monthly, quarterly, annual and ad hoc analysis on current state of performance, areas for improvement and opportunity, specific markets/products/brokers, etc as needed.
  • Budgeting: Responsible for producing forecast projection models several times a year. Analyzed results and recommend areas for improvement or of opportunity.
  • Negotiation: Involved daily in negotiations regarding new and existing customers.
  • Consensus-building: Key responsibility of position is to partner with sales team to find solutions in competitive situations.
  • Business development: Studied current market conditions and possible opportunities.

Senior Financial Underwriter

United Healthcare
Minnetonka, MN
01.2002 - 01.2008
  • Responsible for individual case underwriting.
  • Worked on several different sites/markets and also transitioned from team focused on 100-5000+ member employers to Small Business team focused on 1-99 life groups.
  • Moved to Small Business (2-50 member customers) in 2006 due in part to 51-99 business segment moving and the need in Small Group for experts in this segment.
  • Conducted training for Small Group underwriters and leadership on 51-99 underwriting methodology, best practices, tools, tracking, etc.
  • Consistently performed at high level in terms of metrics used to gauge performance.
  • Became 'go to' underwriter when issues arose.

Group Financial Underwriter

United Healthcare
Minnetonka, MN
01.2000 - 01.2002
  • Started career as 'line underwriter' working on smaller cases to get basics down.
  • Quickly progressed to working on larger cases, cases with claims data and ASO cases looking for fully insured quotes.
  • Performed well based on metrics used to gauge performance.
  • Constantly strove to improve, expand knowledge base and take on new challenges.

Education

Bachelor of Arts - Finance

University of Minnesota-Duluth
Duluth, MN
09.1991 - 05.1996

Skills

Results Driven

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Timeline

Senior Underwriting Consultant

United Healthcare
01.2010 - Current

Team Lead Financial Underwriting

United Healthcare
01.2008 - 01.2010

Senior Financial Underwriter

United Healthcare
01.2002 - 01.2008

Group Financial Underwriter

United Healthcare
01.2000 - 01.2002

Bachelor of Arts - Finance

University of Minnesota-Duluth
09.1991 - 05.1996

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