This Consultant, Risk Management will support agribusiness working on large accounts. The territory is th eastern seaboard. Qualified candidates will reside in PA, NC, SC, VA or WV.
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Job Description SummaryDo you have a keen sense of observation, the ability to assess a situation and make recommendations to improve safety practices? If you are a consultant at heart, with an affinity for the agriculture and food industries and the desire to learn and use your knowledge to improve a variety of operations to assist in reducing their exposures to potential loss, we want to hear from you!
Our agribusiness risk management team is an integral part of our organization. We develop relationships with customers, perform survey work to look at property and casualty exposures and recommend improvements that decrease risk. Through collaboration we share our knowledge and expertise across Nationwide to enhance our agriculture insurance lines and their market position.
With minimal supervision, this role evaluates largest premium and highest 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 risk 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.
Job DescriptionKey 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
- Analyzes portfolio of assigned clients to identify frequency and severity trends to help prioritize survey activity. 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 clients within specific territories and/or classes of business and provides input on risk management concerns and risk control techniques.
- Advises Underwriting on risk insurability 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, 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. May represent business area in meetings and consult with external associations regarding risk management issues.
- Creates comprehensive technical reports and recommendations that address the hazards and controls associated with the client's business, insurance needs and coverage. Completes assigned surveys based on established time and service standards. 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 professional development plan with direct manager or director and is accountable for professional development progress.
May perform other responsibilities as assigned.
Reporting Relationships: Reports to manager or director. Does not have direct reports. Will serve as mentor for other RMC's and interns as assigned.
Typical Skills and Experiences:Education: BS/BA studies in insurance, risk management, agriculture, food, engineering, business administration, safety related field desired or equivalent experience.
License/Certification/Designation: 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 in the position. Designation: Associated insurance designations.
Experience: Ten years' commercial underwriting, commercial claims adjusting, loss control/safety or associated commercial insurance fields preferred.
Knowledge, Abilities and Skills: 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. Excellent verbal and written communication skills to interact with all levels of internal and external contacts. Interpersonal skills to interact with leadership, internal business partners and peers. The ability to work with the ambiguity of limited code enforcement and regulation. Ability to prioritize work/time. Ability to operate a personal computer and learn/use applicable systems.
Ability to consistently and effectively communicate on the most complex exposures and controls of those exposures through efficient reports.
Other criteria, including leadership skills, competencies and experiences may take precedence.
Staffing exceptions to the above must be approved by the hiring manager's leader and HR Business Partner.
Values: Regularly and consistently demonstrates the Nationwide Values.
Job Conditions: Overtime Eligibility: Exempt (Not Eligible)
Working Conditions: 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. Frequent and overnight travel within the United States. Must have a valid driver's license with satisfactory driving record in accordance with Nationwide standards.
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.
BenefitsWe have an array of benefits to fit your needs, including: medical/dental/vision, life insurance, short and long term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company-paid pension plan, business casual attire, and more. To learn more about the benefits we offer, click here.
Nationwide pays on a geographic-specific salary structure and placement within the actual starting salary range for this position will be determined by a number of factors including the skills, education, training, credentials and experience of the candidate; the scope, complexity and location of the role as well as the cost of labor in the market; and other conditions of employment. If a Sales job, Sales Incentives, based on performance goals are possible in addition to this range. Note on Compensation for Part-Time Roles: Please be aware that the salary ranges listed below reflect full-time compensation. Actual compensation may be prorated based on the number of hours worked relative to a full-time schedule.
The national salary range for Consultant, Risk Management - P&C : $118,000.00-$222,000.00
The expected starting salary range for Consultant, Risk Management - P&C : $118,000.00 - $178,000.00
