• Employee Benefits Sr. Financial Consultant

    Job ID
    # of Openings
    Employee Benefits
    US-MD-Hunt Valley
  • Overview

    Job Title: Employee Benefits Senior Financial Consultant

    Department: Marketing/Underwriting

    Reports To: President

    FLSA Status: Exempt



    This position is responsible for working with sales executives in preparing requests for proposals, obtaining and analyzing carrier quotes, inputting data into various automation systems, and has overall accountability in developing a plan for clients and prospects in managing their health and welfare benefit risk.



    Essential Duties

    • Execute competitive bidding of all coverage lines and prepares reports outlining financial and contractual analysis according to company policy.
    • Review vendor proposals for accuracy.
    • Assist Sales Executives to evaluate, determine and recommend alternative. coverages, pricing, options, and plan design changes based on analysis of available plan elements and on client/prospect goals.
    • Prepare financial analysis for prospects, including claims projections, premium equivalents, and contribution scenarios.
    • Produce deliverables timely, accurately, and in compliance with company standards.
    • Build and maintain models and/or templates on an as-needed basis.
    • Develop positive relationships with vendor representatives.
    • Remain abreast of the health insurance environment and constantly changing insurance legislation and serve as an industry resource to Sales Executives and Account Managers.
    • Respond to routine and non-routine correspondence.
    • Work independently and within the team on special nonrecurring and ongoing projects.
    • Represent AP Benefit Advisors in a positive and professional manner with both internal and external customers.
    • Maintain composure and effectiveness under pressure in a deadline driven environment.
    • Perform other duties and special projects as assigned.


    To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


    Education and Experience                                               

    • Bachelor’s degree in business related field
    • 7-10 years employee benefits industry experience with 2-3 years financial experience
    • Life and Health Insurance License and/or obtain within 90 days
    • Proficient in Microsoft Office applications
    • Strong PC skills with the aptitude to learn new systems
    • Knowledge of self-funded health plans, life and disability plans preferred


    • Excellent analytical and problem solving skills
    • Independent Judgement
    • High Performer
    • Quality Focus
    • Problem Solving
    • Superior Written & Verbal Communication Skills
    • Planning and Organizing
    • Adaptability
    • Dependability
    • Professional Presentation and Attire
    • Skilled Multi-tasking
    • Strong Customer Service focus
    • Effective Research skills

    Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


    While performing the duties of this job, the employee is occasionally required to sit and talk or hear. The employee must occasionally lift and/or move up to 10 pounds.


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