Account Executive - Benefits

Account Executive - Benefits

• This is a pipeline opportunity. While we are not hiring for this role immediately, we are always looking to connect with top talent for future openings. If you're interested in being considered when a position becomes available, we encourage you to apply and stay in touch!

Company Information:

Bell Bank was founded in 1966 and is headquartered in Fargo, North Dakota. It is the largest family-and employee-owned bank in the upper Midwest, and one of the largest in the nation, with assets of more than $13 billion. Bell Bank has full-service banking locations in North Dakota, Minnesota and Arizona. Bell has empowered more than $30 million in charitable giving through its unique Pay It Forward initiative, through which every employee chooses each year how to help individuals, families and organizations in need.

Bell Bank has been recognized as a top workplace by American Banker, Forbes and Fortune. If you want to work for an established, growing, forward-looking organization with world-class employees, this is the place for you. Let Bell Bank be your destination workplace.

Bell's Values:

As stewards, dedicated to the growth and reputation of this independently owned organization, we are committed to:

• Promoting and sustaining our family atmosphere.
• Providing unequaled personal service to each and every customer.
• Paying it forward

Our Bottom Line:

Happy Employees! Happy Customers!

Job Summary:

This position provides a high level of support to Group Benefit Producers and clients in obtaining, maintaining, expanding and servicing Group Benefit accounts; in addition to independent sales responsibilities for group benefit products for employer groups of 25 employees or less.

Primary Duties:

• Work with agent to manage a book of group benefit clients.
• Independently sell and support group benefit products for smaller employer groups.
• Act as primary contact between clients, carriers and agent with open and clear communication, ensuring accurate and timely responses.
• Develop a positive working relationship with agency personnel, clients, agents and carriers.
• Responsible for marketing process which includes obtaining client census and quotes; preparing and submitting bid specifications; and evaluating results in preparing recommendations for the clients.
• Ensure submissions are accurate, complete, timely, and meet carriers' requirements.
• Communicate due dates, timelines and expectations to clients and carriers.
• Create client proposals with current and renewal details, as well as options.
• Communicate final placement details and instructions to insurance carriers and customers.
• Ensure final documents and contracts are accurate.
• Utilize analytical tools and resources to develop alternative strategies, plan modeling and cost reduction opportunities.
• Identify problems, summarize and develop strategic solutions with client by incorporating the company's culture, mission and future staffing needs into our recommended strategic solutions.
• Attend client meetings at their locations and in our office.
• Conduct on-site meetings to communicate to employees and/or administrator about their benefit plans. Conduct employee enrollment meetings and follow-up on approval of cases.
• Prepare and proof needed materials for client meetings.
• Regular client contact through electronic, telephone and in person communication.
• Educate, advise, and assist clients on Compliance topics including, but not limited to, ERISA, COBRA, FMLA, 5500s and Health Care Reform.
• Install new group insurance contracts.
• Administer renewals including preparing appropriate contractual changes.
• Develop employee memorandum drafts for client to communicate annual renewal changes, enrollment procedures, miscellaneous benefit changes and/or clarifications.
• Provide resolution support and oversight of employee issues such as enrollment and billing issues.
• Enter client and coverage information into EPIC and carrier websites for prospects and active clients, and keep updated and documented.
• Use existing agency workflows, help develop and update as needed.
• Develop and enhance knowledge and expertise of products, carriers, underwriting requirements and eligibility of products.
• Follow up in a timely manner on outstanding items and manage open activities.
• Identify coverage upgrade opportunities.
• Cross sell existing clients and present proposals to small employers.
• Research claims and billing inquiries.
• Perform essential functions to ensure quality and service standards of the agency.
• Participate in classes or seminars for skill and knowledge development.
• Maintain insurance license.
• Assist in general office duties as requested and needed.
• Know by name and face as many customers and employees as possible, calling them by name as often as possible.
• Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
• Know, understand, and live the company values and bottom line.
• Conduct activities consistent with established Bell Bank policies, procedures and systems, and all applicable state and federal laws and regulations.
• All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
• Prompt and reliable attendance.
• Perform other duties as assigned.

Job Skills Required:

• Previous experience with Employee Health & Benefits or related field
• Previous sales and sales support experience.
• Postsecondary education or equivalent insurance or sales experience.
• Commitment to continuous learning/education in insurance.
• Ability to interpret complex information, communicate effectively appropriately.
• Proficiency in technology in general to enhance sales and service.
• Life and Health Insurance license.
• Outstanding customer service and interpersonal skills.
• Excellent verbal and written communication skills.
• Focus on ethics, integrity and honesty.

Bell Bank provides competitive compensation and an excellent benefits package.

Bell Bank

Equal Opportunity Employer

Job Skills Required:

• Previous experience with Employee Health & Benefits or related field
• Previous sales and sales support experience.
• Postsecondary education or equivalent insurance or sales experience.
• Commitment to continuous learning/education in insurance.
• Ability to interpret complex information, communicate effectively appropriately.
• Proficiency in technology in general to enhance sales and service.
• Life and Health Insurance license.
• Outstanding customer service and interpersonal skills.
• Excellent verbal and written communication skills.
• Focus on ethics, integrity and honesty.