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Working at Lockton At Lockton, we’re passionate about helping our people achieve their ultimate potential. Our people are curious, action-oriented and always striving to make ourselves and those around us better. We’re active listeners working to ensure understanding and problem solvers developing innovative solutions. If you can see yourself delivering excellent service to clients, giving back to our communities and being a part of our caring culture, you belong here. Secondary locations Houston, San Antonio, Dallas, New Orleans, Baton Rouge, Austin Business unit Lockton-Dunning Series Schedule Full-time Lockton Benefits Offerings Click Here Workplace Hybrid Your Responsibilities Please Note: This is an in-office hybrid role that will sit in one of the following office locations: Dallas, Plano, Austin, San Antonio, Houston, Baton Rouge, or New Orleans. Lockton Dunning Benefits is seeking a Senior Financial Analyst to join the Health & Welfare Actuarial & Financial Analytics team. This position will support self-funded employer-sponsored health plans through advanced financial analysis, underwriting, budget development, and strategic consulting. The Senior Financial Analyst will serve as a key resource to consulting teams, providing insight into healthcare cost drivers, funding strategies, and financial risk management. The ideal candidate will possess strong technical and analytical skills, demonstrate sound judgment in evaluating complex healthcare data, and have experience independently developing and finalizing medical and pharmacy budget projections and underwriting analyses. This individual should be highly organized, client-focused, and comfortable working in a fast-paced, collaborative environment. Essential Job Duties and Responsibilities •Develop, review, and finalize medical, pharmacy, and total health plan budget projections for self-funded employer health plans. •Independently perform underwriting analyses, renewal projections, rate setting, and funding recommendations. •Analyze healthcare claims, utilization, and enrollment data to identify cost drivers, emerging trends, and opportunities for cost containment. •Prepare detailed financial forecasts for plan renewals, strategy evaluations, vendor changes, and benefit modifications. •Evaluate plan performance through analysis of claims experience, large claim activity, trend assumptions, network discounts, and pharmacy cost drivers. •Develop and maintain complex financial models used for forecasting, pricing, budgeting, and strategic decision-making. •Calculate and review funding rates, reserve positions, IBNRs, and other actuarial projections. •Perform financial impact analyses related to network changes, plan design modifications, contribution strategies, and population health initiatives. •Prepare client-ready reporting, presentations, and financial exhibits that clearly communicate findings and recommendations. •Integrate and validate data from multiple sources to ensure accuracy and reliability of financial analyses. •Partner with consulting, actuarial, pharmacy, clinical, and client service teams to develop recommendations and client strategies. •Review fully insured renewal and marketing results, comparing alternatives and identifying opportunities for optimization. •Serve as a subject matter expert on financial reporting, underwriting methodologies, and healthcare funding arrangements. •Support client meetings by presenting financial analyses and explaining complex healthcare concepts in an understandable manner. •Assist in developing and enhancing standard reporting templates, underwriting tools, and financial models. •Utilize industry benchmarking data and external market intelligence to support strategic client recommendations. •Stay informed of emerging healthcare trends, carrier products, pharmacy developments, and industry best practices. •Mentor and provide guidance to Associate Financial Analysts and Financial Analysts. •Participate in internal meetings, training initiatives, and continuous improvement projects. •Other responsibilities as assigned. LI-LL1 Qualifications •Bachelor's degree in Finance, Economics, Mathematics, Actuarial Science, Statistics, Business, or a related field. •2-3+ years of experience independently developing and finalizing medical and pharmacy budget projections and/or underwriting analyses for employer-sponsored health plans. •Experience working with self-funded health plans and healthcare claims data. •Strong understanding of healthcare funding arrangements, medical and pharmacy trend development, underwriting principles, and risk management concepts. •Advanced proficiency in Excel, including financial modeling, data analysis, and reporting. •Strong analytical and problem-solving abilities with exceptional attention to detail. •Excellent communication and presentation skills with the ability to explain financial concepts to both technical and non-technical audiences. •Strong organizational skills and ability to manage multiple priorities and deadlines. •Proven ability to collaborate effectively across multidisciplinary teams. •Legal right to work in the United States. Preferred Qualifications •Experience within health and welfare consulting, healthcare underwriting, actuarial consulting, insurance carrier underwriting, or employer-sponsored benefits. •Experience with healthcare analytics, benchmarking platforms, and reporting tools. •Knowledge of stop-loss underwriting, pharmacy benefit management, and employer healthcare strategy development. Equal Opportunity Statement Lockton Companies is proud to provide everyone an equal opportunity to grow and advance. We are committed to an inclusive culture and environment where our people, clients and communities are treated with respect and dignity. At Lockton, supporting diversity, equity and inclusion is ingrained in our values, and we believe that we are at our best when we fully embrace everyone. We strive to cultivate a caring culture that learns from, celebrates and thrives because of our breadth of differences. As such, we recognize that recruiting, developing and retaining people with diverse backgrounds and experiences is vital and enabling our people to thrive personally and professionally is critical to our long-term success. About Lockton Lockton is the largest privately held independent insurance brokerage in the world. Since 1966, our independence has allowed us to serve our clients, take care of our people and give back to our communities. As such, our 13,100+ Associates doing business in over 155 countries are empowered to do what’s right every day. At Lockton, we believe in the power of all people. You belong at Lockton. How We Will Support You At Lockton, we empower you to be true to yourself in all that you do. Your success is our success, and we provide opportunities to help you grow and create a rewarding career path, however you envision it. We are ready to meet you where you are today, and as your needs change over time. In addition to industry-leading health insurance, we offer additional options to support your overall health and wellbeing. No Agencies Please Any Employment Agency, person or entity that submits an unsolicited resume to this site does so with the understanding that the applicant's resume will become the property of Lockton Companies, Inc. Lockton Companies will have the right to hire that applicant at its discretion and without any fee owed to the submitting Employment Agency, person or entity. Employment Agencies, who have fee Agreements with Lockton Companies must submit applicants to the designated Lockton Companies Employment Coordinator to be eligible for placement fees. Similar Vacancies Philadelphia , United States of America Client Services 26008J Kansas City , United States of America Information Technology 2600R8 New York City , United States of America Client Services 2601CO Overland Park , United States of America Management 26016Z Life at Lockton Lockton Recognized b... Lockton is proud to be recognized by Seramount with two 2026 honors: Seramount’s 100 Best Companies list (second consecutive year) Leading Company in Seramount’s Talent & Inclusion Index (first-time honor) Together, these recognitions reflect Lockton’s continued commitment to supporting Associates through family-friendly benefits, workplace flexibility, career advancement opportunities, and practices that help people thrive. “Our people are our greatest asset,” said Stephanie Robinson, Lockton’s Chief Diversity Officer. “We’re intentional about creating an inclusive, forward-thinking environment where Associates can grow professionally, contribute meaningfully, and enjoy treasured time with their families.” Comprehensive Support for Growing Families We are committed to supporting Associates as they grow their families – no matter how. We offer generous paid parental leave for birth, adoption, or surrogacy, along with adoption reimbursement. We also partner with a leading family health platform that provides 24/7 virtual care, fertility support, and personalized guidance to help Associates navigate every stage of their family journey. Helping Parents Return to Work with Confidence We support new parents with benefits that ease the transition back to work. Nursing mothers who travel have access to breast milk shipping services, and all Associates can access caregiver resources and work with their managers to create flexible schedules that support both personal and professional goals. Supporting Parents as They Grow Their Careers We believe parenthood should never be a barrier to professional growth. That’s why we offer continued support for parents returning to the workplace. Our Families@Work Associate Resource Group provides a strong community, helpful resources, and peer support to help parents navigate work-life balance. We also offer mentorship opportunities to ensure parents feel empowered in their careers and supported in their development. Lockton is proud to be recognized among organizations setting the standard for inclusive, supportive, and family-friendly workplaces. If you're seeking a company that values balance, flexibility, career growth, and personal development, Lockton could be the right fit for you. Celebrating Our 2026... Our continued commitment to young professionals has once again earned us the 2026 Handshake Early Talent Award. This award recognizes our best‑in‑class recruiting strategies, authentic engagement, and dedication to early‑career talent. We are honored to be named one of the top organizations in the insurance industry. At Lockton, we support, recognize, and believe in the next generation of talent — and we’re committed to developing young professionals who will shape the future of our industry. Create your own path We want you to build a career that’s truly your own. That’s why we offer strong talent development programs, support for certifications and designations, and growth opportunities that help you pursue a career aligned with your purpose and potential. A benefits package designed around you No matter where you are in your career, we offer benefits that support your financial, personal, and professional wellbeing, including a wellness program, mental health resources, a generous 401(k) match, and even pet insurance. Make an impact At Lockton, we take pride in our culture and our commitment to giving back. Our Associate Resource Groups help Associates connect, lead, and celebrate diverse perspectives while driving meaningful change. We also encourage Associates to support the causes that matter most to them through volunteering, donations, and community engagement. As a global company with strong local relationships, Lockton creates space for real‑world, client‑facing experiences. When you start your career here, we help you build a foundation that lasts. Explore your next step: connect with Lockton on Handshake and explore our website. Making an impact: An... Fun