Hybridization Calculation Formula With Example Jobs in Usa

Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

The Opportunity

As a dedicated Senior Property Adjuster, you will work within defined guidelines and framework, investigate, evaluate, negotiate and settle complex property insurance claims presented by or against our members. You will confirm/analyze coverage, recognize liability exposure and negotiate equitable settlement in compliance with all state regulatory requirements. Adjusters recognize and empathize with members’ life events, as appropriate.

This hybrid role requires an individual to be in the office 3 days per week. This position can be based in one of the following locations: San Antonio, TX, Phoenix, AZ, Colorado Springs, CO, Tampa, FL or Chesapeake, VA. Relocation assistance is not available for this position.

The Inside Senior Property Adjuster role is a telephone concentrated environment without physical inspection of loss. This is an hourly, non-exempt position with paid overtime available. Training will be approximately 12 weeks, Monday – Friday and hours may vary by location. Upon successful completion of training, employees will transition to an eight-hour work shift ranging between 8:00 am – 5:30 pm (local time) Monday to Friday with availability for occasional evenings and weekends based on business needs.

What you'll do:

• Proactively manages assigned claims caseload comprised of claims with moderate complexity damages that require commensurate knowledge and understanding of claims coverage.

• Partners with vendors and internal business partners to facilitate moderate complexity claims resolution. May also involve external regulatory coordination to ensure appropriate documentation and compliance.

• Investigates claim damages by conducting research from various sources, including the insured, third parties, and external resources. May identify and resolve potential discrepancies and identifies subrogation potential resulting from unusual characteristics.

• Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate. Determines coverage through analyzing investigation information involving moderate complexity policy terms and contingencies.

• Determines and negotiates moderate complexity claims settlement. Develops recommendations and collaborates with management for determining settlement amounts outside of authority limits and accurately manages claims outcomes.

• Maintains accurate, thorough, and current claim file documentation throughout the claims process.

• Applies proficient knowledge of estimating technology platforms and virtual inspection tools; Utilizes platforms and tools to prepare claims estimates to manage moderate complexity property insurance claims.

• Applies working knowledge of industry standards of inspection, damage mitigation and restoration techniques.

• Serves as an informal resource for team members.

• Recognizes and addresses jurisdictional challenges such as applicable legislation and construction considerations.

• Supports workload surges and catastrophe (CAT) response operations as needed, including mandatory on-call dates and potential evening, weekend, and/or holiday work outside normal work hours.

• May be assigned CAT deployment travel with minimal notice during designated CATs.

• Works various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed.

• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

• High School Diploma or General Equivalency Diploma.

• 2 years relevant property adjusting and/or claims adjusting experience handling moderately complex claims or construction related industry/insurance experience.

• Developing knowledge of residential construction.

• Working knowledge of estimating losses using Xactimate or similar tools and platforms.

• Demonstrated negotiation, investigation, communication, and conflict resolution skills.

• Working knowledge of property claims contracts and interpretation of case law and state laws and regulations.

• Proficient in prioritizing and multi-tasking, including navigating through multiple business applications.

• May need to travel up to 50% of the year (local & non-local) and/or work catastrophe duty when needed.

• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.

What sets you apart:

• Experience handling water loss claims including water mitigation, water loss estimating and reconciliation

• Experience desk adjusting property claims involving Dwelling, Other Structures, Loss of Use, and Contents using virtual technologies (Hosta, Hover, Xactimate, ClaimsX)

• Experience handling large loss complex claims (i.e., water, vandalism, malicious mischief, foreclosures, earth movement, appraisal, collapse, etc.)

• Experience with full file ownership handling claims from start to finish (FNOL, estimating, reviewing policy, making coverage decisions, settlement)

• Insurance industry designations such as AINS, CPCU, AIC, SCLA (or actively pursuing)

• Proficiency in Xactimate (Level 1 and/or Level 2 certification)

• Experience in a call center environment

• Currently hold an active Adjuster License

• Bachelor’s degree

• US military experience through military service or a military spouse/domestic partner

Physical Demand Requirements:

• May require the ability to crouch and stoop to inspect confined spaces, to include attics and go beneath homes into crawl spaces.  

• May need to meet all USAA safe driving requirements including verification of driving record through MVR & possession of valid driver’s license.

• May require the ability to lift a minimum of 35 pounds to include lifting a ladder in and out of the trunk of a car.

• May require the ability to climb ladders and traverse roofs, this includes the ability to work at heights while inspecting roofs and attics.

Compensation range: The salary range for this position is: $63,590 - $114,450

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

The Opportunity

As a dedicated Property Adjuster, you will work within defined guidelines and framework, investigate, evaluate, negotiate, and settle low to moderate complexity property insurance claims. You will confirm/analyze coverage, recognize liability exposure and negotiate equitable settlement in compliance with all state regulatory requirements. You will recognize and empathize with members’ life events, as appropriate.

This hybrid role requires an individual to be in the office 3 days per week. This position can be based in one of the following locations: San Antonio, TX, Phoenix, AZ, Colorado Springs, CO, Tampa, FL or Chesapeake, VA. Relocation assistance is not available for this position.

This is an experienced desk based Property Adjuster role working in a telephone concentrated environment without physical inspection of loss. This is an hourly, non-exempt position with paid overtime available. Training will be approximately 12 weeks, Monday to Friday and hours may vary by location. Upon successful completion of training, employees will transition to an eight-hour work shift ranging between 8:00 am – 5:30 pm (local time) Monday to Friday with availability for occasional evenings and weekends based on business needs.

What you'll do:

• Proactively manages assigned claims caseload comprised of claims with low to moderate complexity damages that require commensurate knowledge and understanding of claims coverage.

• Partners with vendors and internal business partners to facilitate low to moderate complexity claims resolution. May also involve external regulatory coordination to ensure appropriate documentation and compliance.

• Investigates claim damages by conducting research from various sources, including the insured, third parties, and external resources. May identify and resolve potential discrepancies and identifies subrogation potential resulting from unusual characteristics.

• Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate. Determines coverage through analyzing investigation information involving low to moderate complexity policy terms and contingencies.

• Determines and negotiates low to moderate complexity claims settlement. Coordinates with management for guidance on assessing settlement amounts outside of authority limits to support managing claims outcomes.

• Maintains accurate, thorough, and current claim file documentation throughout the claims process.

• Applies knowledge of estimating technology platforms and virtual inspection tools to prepare and manage low to moderate complexity property insurance claims estimates

• Recognizes and addresses jurisdictional challenges such as applicable legislation and construction considerations.

• Supports workload surges and catastrophe (CAT) response operations as needed, including mandatory on-call dates and potential evening, weekend, and/or holiday work outside normal work hours.

• May be assigned CAT deployment travel with minimal notice during designated CATs.

• Works various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed.

• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. 

What you have:

• High School Diploma or General Equivalency Diploma.

• 1 year of customer service, military leadership, construction related industry/insurance experience and/or experience handling low complexity property claims

• Knowledge of estimating losses using Xactimate or similar tools and platforms.

• Demonstrated negotiation, investigation, communication, and conflict resolution skills.

• Working knowledge and understanding of claims contracts as well as application of case law and state laws and regulations.

• Ability to prioritize and multi-task, including navigating through multiple business applications.

• May need to travel up to 25% of the year (local & non-local) and/or work catastrophe duty when needed.

• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.

What sets you apart:

• 1+ years relevant property adjusting claims of moderate complexity

• Experience desk adjusting residential property claims to include water, roof, and personal property

• File ownership handling claims from start to finish (scoping the loss, assessing damages, estimating, interpreting policy, making coverage decisions, settlement)

• Proficient in estimate writing using Xactimate and virtual tools (such as Claim X, Hover, and Hosta)

• Currently hold an active P&C Adjuster license

• Experience working directly for a standard insurance carrier

• Experience in a all center environment

• US military experience through military service or a military spouse/domestic partner

Physical Demand Requirements:

• May require the ability to crouch and stoop to inspect confined spaces, to include attics and go beneath homes into crawl spaces.  

• May need to meet all USAA safe driving requirements including verification of driving record through MVR & possession of valid driver’s license.

• May require the ability to lift a minimum of 35 pounds to include lifting a ladder in and out of the trunk of a car.

• May require the ability to climb ladders and traverse roofs, this includes the ability to work at heights while inspecting roofs and attics.

Compensation range: The salary range for this position is: $57,970 - $97,820.

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

The Opportunity

As a dedicated auto adjuster, within defined guidelines and framework, you are responsible to adjust moderately complex auto insurance claims presented by or against our members to include the end-to-end claims process and settling claims in compliance with state laws and regulations. You are accountable for delivering best in class service, through setting appropriate expectations, proactive communications, advice, and empathy.

This hybrid role requires an individual to be in the office 3 days per week, after completing 6 months in office. This position can be based in the following location: Chesapeake, VA. Relocation assistance is not available for this position.

What you'll do:

• Investigates liability and applies appropriate coverage, evaluates, negotiates, and settles moderately complex auto claims.

• Negotiates liability for comparative negligence (claimant or adverse carrier).

• Identifies coverage concerns, reviews prior loss history, determines, and creates Special Investigation Unit (SIU) referrals, when appropriate.

• Interacts with multiple parties to gather information needed to determine liability (police reports, recorded statements, witness statements).

• Resolves claims through proactive problem solving and decision making, within authority guidelines and under moderate supervision, overcoming obstacles, and effectively prioritizing the workload.

• Clearly documents thought process including damage evaluation, investigation, negotiation, and settlement decisions

• Collaborates and sets expectations with external and internal business partners to facilitate claims resolution.

• Supports members, business partners, and claimants, through use of varying communication channels to include utilization of digital tools to drive timely and effective resolutions through exceptional service.

• Applies developing knowledge of P&C insurance industry products, services, to include P&C insurance policy contracts, coverages and internal claims handling process and procedures.

• Applies intermediate knowledge of Auto Physical Damage to adjust claims.

• Supports workload surges and catastrophe (CAT) response operations as needed, including mandatory on-call dates and potential evening, weekend, and/or holiday work outside normal work hours.

• May be assigned CAT deployment travel with minimal notice during designated CATs.

• Works various types of claims, including ones of higher complexity, and may be assigned additional work outside normal duties as needed.

• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

What you have:

• High School Diploma or General Equivalency Diploma.

• 1 year of customer service experience.

• Progressive experience handling low complexity auto non injury liability claims.

• Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts.

• Developing knowledge and understanding of auto claims contracts as well as application of case law and state laws and regulations.

• Demonstrated negotiation, investigation, communication, and conflict resolution skills.

• Proficient in prioritizing and multi-tasking, including navigating through multiple business applications.

• Successful completion of a job-related assessment may be required.

What sets you apart:

• One or more years of auto liability claims experience managing claims from initial contact through resolution

• Minimum one year of experience managing a pending inventory with demonstrated organization and prioritization skills

• At least two years of customer service experience, demonstrating strong communication and problem-solving skills

• Proven experience with comparative negligence and shared liability determinations

• Strong analytical and communication skills with the ability to interpret policy language, assess coverages, and make sound decisions

• Proficiency with Guidewire or similar claims management systems

• Bachelor’s degree or industry designation (e.g., AIC, CPCU)

• Military experience through service or as a military spouse

Compensation range: The salary range for this position is: $51,370 - $92,060.

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

In this position, you will underwrite new and renewal business which includes solicitation, selection, rejection, and pricing of complex risks. Administer and monitor underwriting rules and guidelines, rating manual rules, and insurance laws and regulations. Analyze quality and quantity of risks underwritten and prepare reports accordingly. Participate in the development of agency management strategy and contribute to the development and execution of agency plans. Develop client relationships and coordinates service team efforts. Provide technical guidance to coworkers. Through technical collaboration and guidance, work within established authority on assignments of increasing complexity. Geographic territory includes the Southeast.

Responsibilities:

• 
  
  
• Effectively identify, market and underwrite prospective accounts in targeted industries
  
  
• Direct and monitor underwriting activities as required to produce positive profit and expense results within area of responsibility
  
  
• Develop strong relationships with local Brokers/Agents and effectively articulate PMA's appetite. Solicit, review, and coordinate new business opportunities with agents and service team
  
  
• Demonstrate high level of planning and organizational skills to effectively manage workload and outside activities
  
  
• Exhibit high levels of teamwork, leadership, customer service, and persistence
  
  
• Provide strong analytical ability, and sound judgment to make informed and accurate decisions
  
  
• Show initiative to handle territorial assignments, developing individual plans for successfully meeting key goals
  
  
• Consult with Risk Control and Claims Representatives to bring value-added service to customers
  
  
• Develop business plan with each assigned agent for profitability of book, growth, and renewal strategies
  
  
• Provide feedback to agents, producers, and internal management to focus on business plans and efficiencies.
  
  
• Demonstrate commitment to Company's Code of Business Conduct and Ethics, and apply knowledge of compliance policies and procedures, standards and laws applicable to job responsibilities in the performance of work.
  
  

• 
  
  
• Bachelor's degree or equivalent experience required - MBA and/or CPCU preferred
  
  
• Seven years' experience in Commercial Lines Property/Casualty and Workers Compensation underwriting
  
  
• Strong technical skills in Workers Compensation, Property, General Liability, Automobile, and Umbrella
  
  
• Established experience working with clients in the Southeast is preferred.
  
  
• Strong negotiation and presentation skills
  
  
• Self-motivated individual with a proven track record of premium growth and profitability in handling a book of business. Superior marketing skills and familiarity working with agents and brokers of all types.
  
  

Underwrite new and renewal business which includes solicitation, selection, rejection, and pricing of complex risks. Administer and monitor underwriting rules and guidelines, rating manual rules, and insurance laws and regulations. Analyze quality and quantity of risks underwritten and prepare reports accordingly. Participate in the development of agency management strategy and contribute to the development and execution of agency plans. Develop client relationships and coordinates service team efforts. Provide technical guidance to coworkers. Through technical collaboration and guidance, work within established authority on assignments of increasing complexity.

Responsibilities:

• 
  
  
• Effectively identify, market and underwrite prospective accounts in targeted industries
  
  
• Direct and monitor underwriting activities as required to produce positive profit and expense results within area of responsibility
  
  
• Develop strong relationships with local Brokers/Agents and effectively articulate PMA's appetite. Solicit, review, and coordinate new business opportunities with agents and service team
  
  
• Demonstrate high level of planning and organizational skills to effectively manage workload and outside activities
  
  
• Exhibit high levels of teamwork, leadership, customer service, and persistence
  
  
• Provide strong analytical ability, and sound judgment to make informed and accurate decisions
  
  
• Show initiative to handle territorial assignments, developing individual plans for successfully meeting key goals
  
  
• Consult with Risk Control and Claims Representatives to bring value-added service to customers
  
  
• Develop business plan with each assigned agent for profitability of book, growth, and renewal strategies
  
  
• Provide feedback to agents, producers, and internal management to focus on business plans and efficiencies.
  
  
• Demonstrate commitment to Company's Code of Business Conduct and Ethics, and apply knowledge of compliance policies and procedures, standards and laws applicable to job responsibilities in the performance of work.
  
  

• 
  
  
• Bachelors degree or equivalent experience required - CPCU preferred
  
  
• Minimum 3-5 Years experience in Commercial Lines
  
  
• Prior experience in or knowledge of Texas market and ability to travel within the Southwest market is strongly preferred
  
  
• Strong technical skills in Workers Compensation, General Liability and Automobile
  
  
• Property and Umbrella experience is a plus
  
  
• Strong negotiation and presentation skills
  
  
• Self-motivated individual with a proven track record of premium growth and profitability in handling a book of business
  
  
• Superior marketing skills and familiarity working with agents and brokers of all types.
  
  

In this position, you will underwrite new and renewal business which includes solicitation, selection and pricing of highly complex multi-line risks (workers compensation, commercial auto, general liability). You will actively and creatively pursue new commercial insurance solutions including guaranteed cost, large deductible and retro account opportunities throughout the territory through your network of national and regional brokers and agents. Maintain and develop prospects in order to have a strong base of future opportunities to build your large account book. Contribute to the development of broker and agency management strategies and lead the development and execution of relationship management plans.

Responsibilities:

• 
  
  
• Analyze, select and profitably price coverage for commercial risks and determine terms and conditions of coverage on new and renewal business.
  
  
• Apply and conform to underwriting rules and guidelines, rating manuals, insurance laws/ regulations.
  
  
• Utilize a consultative selling approach to generate new business consistent with underwriting strategy and in coordination with service team members to include accurately assessing the needs of the broker and the client and formulating solutions that effectively address those needs.
  
  
• Analyze underwriting & marketing activities and corresponding results; prepare reports to management.
  
  
• Mentor and provide technical training and guidance to coworkers.
  
  
• Determine, coordinate and direct account management activities with various departments.
  
  
• Negotiate and deliver proposals to producers and buyers.
  
  
• Develop and maintain client relationships and coordinate service team efforts.
  
  
• Identify opportunities for organizational improvement and recommend solutions.
  
  
• Demonstrate commitment to Company's Code of Business Conduct and Ethics, and apply knowledge of compliance policies and procedures, standards and laws applicable to job responsibilities in the performance of work.
  
  

• 
  
  
• Bachelor's degree or equivalent experience required.
  
  
• 7 years of casualty underwriting with an insurance carrier required.
  
  
• Advanced understanding and technical knowledge of underwriting mechanics and fundamentals.
  
  
• Advanced knowledge of casualty coverage and loss sensitive deal structures (retrospective rating, large deductible, captive, and self-insurance). Additional knowledge in financial analysis, account management and collateral management is desired.
  
  
• Advanced knowledge of local and regional market conditions as well as industry trends.
  
  
• Prior experience in or knowledge of Midwest markets and ability to travel within these markets is strongly preferred.
  
  
• Advanced knowledge of underwriting territory and strong relationships with the local distribution network (local and regional agents, national and regional brokers, and select consultants).
  
  
• Demonstrated proficiency in the successful marketing and prospecting of business opportunities, as well as, relationship building and agency management skills.
  
  
• Ability to create a presence that conveys interest, conviction, and energy in maintaining relationships with external business partners.
  
  
• Strong ability to effectively communicate verbally and in writing to uncover business needs.
  
  
• Ability to foster creative solutions that resonate with external business partners.
  
  
• Ability to interact with various levels of management and support personnel.
  
  
• Advanced skills in marketing, analysis, decision making/problem solving, planning and organizing; sales and negotiation and mathematical proficiency.
  
  
• Strong desire to work collaboratively and foster a team oriented environment with Claims, Risk Control and other departments.
  
  
• Willingness to travel for business purposes. Underwriters are expected to be visible with their agents and brokers in order to develop and maintain solid relationships and generate an adequate flow of qualified business.
  
  
• Chartered Property Casualty Underwriter (CPCU); Associate in Risk Management designation or other professional designations are desired.
  
  

In this position, you will underwrite new and renewal business which includes solicitation, selection and pricing of highly complex multi-line risks (workers compensation, commercial auto, general liability). You will actively and creatively pursue new commercial insurance solutions including guaranteed cost, large deductible and retro account opportunities throughout the territory through your network of national and regional brokers and agents. Maintain and develop prospects in order to have a strong base of future opportunities to build your large account book. Contribute to the development of broker and agency management strategies and lead the development and execution of relationship management plans.

Responsibilities:

• 
  
  
• Analyze, select and profitably price coverage for commercial risks and determine terms and conditions of coverage on new and renewal business.
  
  
• Apply and conform to underwriting rules and guidelines, rating manuals, insurance laws/ regulations.
  
  
• Utilize a consultative selling approach to generate new business consistent with underwriting strategy and in coordination with service team members to include accurately assessing the needs of the broker and the client and formulating solutions that effectively address those needs.
  
  
• Analyze underwriting & marketing activities and corresponding results; prepare reports to management.
  
  
• Mentor and provide technical training and guidance to coworkers.
  
  
• Determine, coordinate and direct account management activities with various departments.
  
  
• Negotiate and deliver proposals to producers and buyers.
  
  
• Develop and maintain client relationships and coordinate service team efforts.
  
  
• Identify opportunities for organizational improvement and recommend solutions.
  
  
• Demonstrate commitment to Company's Code of Business Conduct and Ethics, and apply knowledge of compliance policies and procedures, standards and laws applicable to job responsibilities in the performance of work.
  
  

• 
  
  
• Bachelor's degree or equivalent experience required.
  
  
• 7 years of casualty underwriting with an insurance carrier required
  
  
• Advanced understanding and technical knowledge of underwriting mechanics and fundamentals
  
  
• Advanced knowledge of casualty coverage and loss sensitive deal structures (retrospective rating, large deductible, captive, and self-insurance). Additional knowledge in financial analysis, account management and collateral management is desired.
  
  
• Advanced knowledge of local and regional market conditions as well as industry trends.
  
  
• Advanced knowledge of underwriting territory and strong relationships with the local distribution network (local and regional agents, national and regional brokers, and select consultants).
  
  
• Demonstrated proficiency in the successful marketing and prospecting of business opportunities, as well as, relationship building and agency management skills.
  
  
• Ability to create a presence that conveys interest, conviction, and energy in maintaining relationships with external business partners.
  
  
• Strong ability to effectively communicate verbally and in writing to uncover business needs.
  
  
• Ability to foster creative solutions that resonate with external business partners.
  
  
• Ability to interact with various levels of management and support personnel.
  
  
• Advanced skills in marketing, analysis, decision making/problem solving, planning and organizing; sales and negotiation and mathematical proficiency.
  
  
• Strong desire to work collaboratively and foster a team oriented environment with Claims, Risk Control and other departments.
  
  
• Willingness to travel for business purposes. Underwriters are expected to be visible with their agents and brokers in order to develop and maintain solid relationships and generate an adequate flow of qualified business.
  
  
• Chartered Property Casualty Underwriter (CPCU); Associate in Risk Management designation or other professional designations are desired.
  
  

We have several positions open to fit your needs! This includes full-time, night shift (with opportunities to move to day or mid shift) and a few hybrid schedules for those who like to shake things up from time to time. Many colleagues who support our Emergency Department (ED) in Boise also have the unique opportunity to float to our freestanding Emergency Department in Eagle, Idaho.

Full time positions are eligible for consideration of a sign on bonus and generous relocation assistance! We also offer competitive wages, on-call pay, and shift differentials depending on work schedules.

Our nurses enjoy autonomy in their naturally fast paced roles, and work closely with a collaborative and interactive emergency physician group, as well as trauma, ortho, and neurosurgeons, among other specialties. Teamwork is at the core of how we function. As a nurse in our ED, you will care for emergency patients, as well as run trauma cases that pass through our doors.  We offer advanced treatment protocols, and in addition to being a Level II Trauma Center, are designated as a Level I STEMI Center and a Level I Stroke Center.

Our ideal candidates will have prior experience working in a fast-paced emergency department. In addition, they will have some experience taking care of critical patients and will be able to utilize critical thinking and assessment skills to prioritize patient needs. They will have a desire to take care of all types of patients and will want to be part of a team.

Our Boise Emergency Department has 34 beds to serve patients of all ages. As the most advanced trauma center in the region, we represent a continuum of care that incorporates the rapid, critical care response of Life Flight, the Emergency Department; comprehensive, multi-specialty surgical expertise including neuroscience, trauma, orthopedics, critical care units, rehabilitation, as well as the state-of-the-art diagnostic and treatment technologies. Click here to learn more about the ED.

Our Eagle Emergency Department is a 14 bed free-standing center that serves our patients 24/7, typically offering a much shorter wait time than experienced at larger facilities. Staffed by board-certified emergency doctors and specially trained staff, we provide a highly collaborative environment that continually seeks innovative ideas to better serve our patients.

Idaho's capital city (and third largest city in the Pacific Northwest!) is located in the high desert of southwestern Idaho, right on the Boise River. Offering a stellar quality life, Boise also features a vibrant and urban downtown, cultural and culinary experiences, and a wealth of entertainment options. Boasting over 200 days of sunny weather each year, recreational opportunities abound - most notably the 25 mile-long Boise River Greenbelt, which links together a series of beautiful public parks and the Boise Foothills, which offers an interconnected network of roads and trails through the hills.

Consistently high ranking on various top ten lists relating to safety, affordability and work-life balance, it's easy to see why Boise is the place to be.

• A current Idaho RN license is required.
• Multistate licenses must establish residency with the Idaho Board of Nursing within 60 days from hire.
• All colleagues must provide licensure or proof of application in process for an Oregon RN license within 90 days of the hire date.
• Other certifications may be required as identified in the SAHS Certification Crosswalk.
• At hire, Basic Life Support certification from the American Heart Association or American Red Cross is required. (ACLS and/or PALS may be accepted in lieu of BLS)
• Prefer one or more years of RN experience in an emergency setting
• BLS/HCP certification from either AHA, ARC or the Military Training Network is required at hire in all units, unless currently certified in ACLS and/or PALS as defined in the SAHS Certification Crosswalk.

Colleagues of Saint Alphonsus Health System enjoy competitive compensation with a full benefits package and opportunity for growth throughout SAHS and Trinity Health. Visit to learn more about the benefits, culture and career development opportunities available to you at Saint Alphonsus Health System. Saint Alphonsus and Trinity Health are equal opportunity employers and prohibit discrimination against any individual with regard to race, color, religion, gender, marital status, national origin, age, disability, sexual orientation, or any other characteristic protected by law

Trinity Health's Commitment to Diversity and Inclusion

Trinity Health employs about 133,000 colleagues at dozens of hospitals and hundreds of health centers in 22 states. Because we serve diverse populations, our colleagues are trained to recognize the cultural beliefs, values, traditions, language preferences, and health practices of the communities that we serve and to apply that knowledge to produce positive health outcomes. We also recognize that each of us has a different way of thinking and perceiving our world and that these differences often lead to innovative solutions.

Trinity Health's dedication to diversity includes a unified workforce (through training and education, recruitment, retention and development), commitment and accountability, communication, community partnerships, and supplier diversity.

Our Commitment

Rooted in our Mission and Core Values, we honor the dignity of every person and recognize the unique perspectives, experiences, and talents each colleague brings. By finding common ground and embracing our differences, we grow stronger together and deliver more compassionate, person-centered care. We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other status protected by federal, state, or local law.