Corporate Job Title: Specialist, Risk Mgmt-P&C
This is a replacement role within the Risk Management department of Nationwide Agribusiness that will report to Mike Powers.
The Southern California/LA basin area is the preferred home base location, but would entertain the Phoeniz/Tuscon area as well dependent on the skill set and qualifications of the selected individual.
Must be willing to travel throughout the region to customer locations. Frequent overnight travel may be required.
The ideal candidate will possess insurance, agribusiness and/or safety experience. Degree in safety and/or insurance designations preferred.
This role can be filled at the Specialist (F band) level or the Sr Rep (E band) level depending on the skil set and qualifications of the selected individual.
JOB SUMMARY: With moderate supervision, evaluates high complexity middle market risks in select geographic regions of the United States. Conducts onsite surveys of clients' operations to identify and evaluate risk exposures associated with all lines of Property and Casualty insurance coverage. Visually inspects operations and interviews client representatives to determine underlying risk exposures and potential causes of loss. Works with the ambiguity of limited code enforcement and regulation. Determines if the risk controls in place are adequate to prevent or mitigate losses. Develops recommendations which will assist client with managing risk. Consults with Underwriting regarding exposures, controls and improvement opportunities. Writes comprehensive reports and recommendations that document client's hazards, exposures, controls and effectiveness of controls associated with all lines of insurance coverage.
REPORTING RELATIONSHIPS: Reports to manager or director. Does not have direct reports. May be asked to serve as mentor for other RMC's or interns.
CORE JOB DUTIES & RESPONSIBILITIES:
+ Researches client information using both internal and external resources. Researches client business history, industry and related technical information during survey preparation.
+ Analyzes loss exposures and effectiveness of controls in place to mitigate them. Analyzes industry and client historical loss information for patterns or inherent exposures. Identifies improvement opportunities and service opportunities based on the loss trends or data. Communicates potential services and/or solutions to customers enabling them to manage their risk. Coordinates services internally and requests assistance from specialists and engineers as needed. Analyzes portfolio of assigned clients to identify frequency and severity trends to help prioritize survey activity.
+ Completes assigned surveys based on established time and service standards.
+ Advises Underwriting on risk insurability, pricing and coverages. Determines effectiveness of client's operational risk control techniques by line of business. Identifies improvement opportunities and provides recommendations to assist client in risk management. Determines when additional internal assistance is needed to help clients improve Property and Casualty risk management programs. May be asked to research, analyze and evaluate favorability of select industries or classes of business.
+ Manages travel, personal workload and special projects to meet agreed upon timelines.
+ Consults with Underwriting pertaining to account rehabilitation and may work directly with those accounts to make them insurable. Consults with clients, internal business partners and agents regarding risk analysis, recommendations and service needs.
+ Creates comprehensive technical reports and recommendations that address the hazards and controls associated with the client's business, insurance needs and coverage. Communicates, both verbally and in writing, recommendations for risk reduction to underwriting, clients and agent partners. The reports, Risk Management Consultant's opinions and recommendations are utilized by underwriting to determine risk selection and pricing.
+ Responsible for a portfolio of clients. Required to work in partnership with the clients, internal associates and agent partners to mutually benefit all parties. Works cooperatively and builds strong working relationships with clients' Senior Leadership (CEO's, CFO's, Risk Manager, Business Owner). Functions as ongoing risk management resource for clients and business partners.
+ Participates in training classes, department and company meetings. Assists in the creation of a personal development plan with direct manager or director and is accountable for personal progress.
+ Performs other duties as assigned.
MINIMUM JOB REQUIREMENTS:
Education: BS/BA degree in insurance, risk management, agriculture, food, engineering, business administration, safety related field desired or equivalent experience.
License/Certification/Designation: Licenses: Associates must obtain the required Federal and/or State licenses/registrations within the time period designated by the business unit. Additional licenses/registrations maybe required when new products and services are implemented. If an associate fails, or is unable to obtain required licenses/registrations within the time period designated by the business unit, the associate may be ineligible to continue tin the position. Designation: Associated insurance designations.
Experience: Six to eight years' commercial underwriting, commercial claims adjusting, loss control/safety or associated commercial insurance fields preferred.
Knowledge: Knowledge of worker's compensation, fleet, general liability and property insurance coverage. In-depth knowledge of risk management issues, loss drivers and risk controls associated with various commercial industries.
Skills/Competencies: Good verbal and written communication skills to interact with all levels of internal and external contacts. Must possess a desire to learn, grow and develop as a risk management professional. Interpersonal skills to interact with leadership, internal business partners and peers. Ability to prioritize work/time. Ability to operate a personal computer and learn/use applicable systems.
Values: Regularly and consistently demonstrates the Nationwide Values and Guiding Behaviors.
Staffing Exceptions to the above Minimum Job Requirements must be approved by the: hiring manager's leader and HRBP.
Overtime Eligibility: Not Eligible (Exempt)
Working Conditions: Frequent and overnight travel is required. Must have a valid driver's license and maintain an acceptable driving record as defined in the Fleet Administration & Safety Manual. Must be able to conduct physical surveys inspections. Must be able to climb, stoop, bend, balance on various heights, crawl and lift up to 50 lbs. May require relocation. This maybe an office-based or field-based position.
ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.
Job Family/Function: UND/LOS
Job Evaluation Activity: KMP 10-2016
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