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Thomas User

@thomasuser19

Senior Underwriting Consultant at Medica Insurance Company, pricing stop-loss coverage and improving renewal and quoting tools.

United States
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At Medica Insurance Company, I underwrite fully insured, self-insured, and level-funded stop-loss products, evaluating risk and pricing coverage for diverse employer groups. I also own monthly validation of commercial premium and claims data for reporting to broker and client partners.

I implemented bi-weekly reviews with internal sales teams to set strategic pricing approaches. I also developed broker reporting used by senior leadership for forecasting and premium determination.

At UnitedHealth Group, I oversaw pricing and strategy decisions for an annual book of over $1.6 billion, covering more than 290,000 members. I led level-funded product pricing in the Southeast region and owned the design, maintenance, and roadmap of a pricing tool enhanced to reduce errors and improve processing speed.

Earlier, at Wells Fargo, I evaluated delinquent mortgages for rate and term modifications and ran training sessions for new hires. I studied Economics with a minor in Business Law at Minnesota State University - Mankato.

Experience

Work history, roles, and key accomplishments

MC
Current

Senior Underwriting Consultant

Medica Insurance Company

Aug 2018 - Present (8 years 2 months)

Underwrote fully insured, self-insured, and level-funded stop-loss products, evaluating risk and pricing coverage. Implemented bi-weekly review sessions with internal sales teams and owned monthly data validation processes for commercial premium and claims data.

Wells Fargo logoWF

Senior Settlement Modification Underwriter

Sep 2011 - Aug 2014 (2 years 11 months)

Performed mortgage underwriting evaluation of delinquent mortgages for rate and term modifications. Conducted large scale training sessions for new hires and received accolades for performance including top quarterly producer for four consecutive quarters.

Education

Degrees, certifications, and relevant coursework

Minnesota State University - Mankato logoMM

Minnesota State University - Mankato

Bachelor of Arts, Economics

Earned a Bachelor of Arts in Economics with a minor in Business Law from Minnesota State University - Mankato in 2011.

Tech stack

Software and tools used professionally

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