If you’re passionate about helping people protect what matters most to them, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide’s Property and Casualty team could be the place for you!
This position manages a portfolio of commercial and farm accounts that range from Lubbock, TX to Dallas, TX.
This position will require more than 50% travel and comes with a company car.
This role can be filled at an alternate level depending on the experience and qualifications of the selected candidate.
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The compensation grade for this role is F4.
Job Description Summary
Do 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 moderate supervision, this role 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.
Job Description
Key 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. 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.
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 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. 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. May be asked to serve as mentor for other RMC’s or 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: 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, 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. 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.
Ability to consistently and effectively communicate on 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: Frequent and overnight travel is required. 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. 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.