Leverage Ratio Calculation 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

We are seeking a credentialed actuary to join our Property Loss Reserving and Reserving Development team.  This Actuary will leverage advanced knowledge of Loss Reserving techniques and Claims Analytics insights to explain drivers of loss trends.

We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position is based in San Antonio, TX.  Relocation assistance is available for this position.

What you'll do:

• Applies advanced actuarial knowledge to complete broad and complex projects (e.g., evaluates and selects methodology to price new discount/endorsement for countrywide rollout; develops alternative methodologies to comply with complex regulatory requirements; selects metrics and designs processes to monitor model performance; translates business problems into technical requirements and performs required analysis to develop solutions; independently runs catastrophe models and interprets and communicates results to support critical business activities, while enhancing the control environment as needed.
• Utilizes advanced actuarial, mathematical, or statistical techniques to augment actuarial work product.
• Leads special actuarial projects, such as the development of new methodologies or reporting tools.
• Trains new team members on the theory and mechanics of relevant actuarial methodologies.
• Applies deep understanding of products supported, stakeholders’ needs, and industry trends to solve unstructured business problems.
• Identifies and anticipates compliance gaps and process improvements; recommends and develops solutions to mitigate risk.
• Represents Actuary in cross-functional efforts.
• Develops written communication and presentations that effectively convey data-driven solutions to broad audiences, including cross-functional executive leadership. 
• 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:

• Bachelor’s degree; OR 4 years of related Actuarial/business/analytical experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.
• 4 years of Actuarial or analytical business experience.
• Associate of the Casualty Actuarial Society (ACAS) Credential.
• Demonstrated advanced skills with relevant actuarial, mathematical, and statistical techniques and approaches used to support fact-based decision-making.
• Advanced knowledge of data analysis tools, data visualization, developing analysis queries and procedures in Python, R, SQL, SAS, BI tools or other analysis software, and relevant industry data & methods and ability to connect external insights to business problems.
• Demonstrated experience communicating complex solutions and analysis to both technical and nontechnical audiences, including executive leadership.

What sets you apart:

• Experience performing Loss Reserve analysis and working in Loss Reserving software (i.e. ResQ, Arius etc.).
• US military experience through military service or a military spouse/domestic partner

Compensation range: The salary range for this position is: $127,310 - $229,160.

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.

Marketing Manager (B2B Pharma Industry)

【Location】 Orange County, CA

【Position】 B2B Marketing Manager

【Compensation】$100,000 - $150,000

【Hiring Style】Direct hiring, Full-time, Hybrid

■ Position Overview

We are seeking a dynamic B2B Marketing Manager to lead comprehensive marketing initiatives for our specialized Pharma industry solutions. This role requires a strategic leader who understands complex B2B sales cycles and operational challenges. You will be responsible for designing and executing integrated marketing strategies that drive lead generation, pipeline development, brand authority, and long-term customer loyalty.

The ideal candidate balances high-level strategic thinking with hands-on execution. You will oversee the full marketing lifecycle—from initial planning and performance evaluation to cross-functional collaboration with Sales, Product, and Service teams—to fuel overall business growth.

■ Key Responsibilities

• Strategy & Segmentation: Develop and execute annual B2B marketing plans aligned with corporate goals; define and prioritize high-value target segments and personas.
• Lead Generation & Campaign Management: Plan and manage multi-channel integrated campaigns, including digital advertising, email marketing, trade shows, and webinars, while overseeing lead nurturing and scoring processes.
• Content & Brand Messaging: Direct the creation of sales collateral, case studies, white papers, and digital assets to establish consistent, value-driven brand messaging focused on reliability and ROI.
• Digital Marketing & Analytics: Optimize website performance, SEO/SEM, and landing pages; leverage marketing automation tools (e.g., HubSpot) to monitor KPIs such as conversion rates and pipeline contribution.
• Sales Enablement: Empower the sales organization with specialized tools, proposals, and ROI calculators to streamline the buyer’s journey and align marketing initiatives with sales targets.
• Customer Engagement & Events: Manage corporate presence at industry trade shows, workshops, and user events to gather customer insights and strengthen product positioning.
• Team & Partner Leadership: Oversee relationships with external agencies and creative firms; provide mentorship and management to internal team members as applicable.

Qualifications:

• Education & Experience: Bachelor’s degree in Marketing or Business with 5+ years of B2B experience (Technology, Automation, or Healthcare sectors preferred).
• Marketing Expertise: Proven track record in lead generation, integrated campaign management, and digital strategy (SEO/SEM, paid media, and email marketing).
• Technical Proficiency: Hands-on experience with CRM and Marketing Automation tools (e.g., HubSpot) to drive data-based decision-making and ROI.
• Communication & Leadership: Exceptional project management skills with bilingual proficiency (English/Japanese) at a business level to navigate global markets.
• Strategic Mindset: Ability to manage internal teams and external agencies while navigating complex regulatory or compliance-driven industries.

Commercial Loan Servicing Representative III

Hybrid - Irving, TX

12-month Contract (W2), Weekly Pay (40 hours/week)

Calculated Hire is in search of a Commercial Loan Servicing Representative III for our Fortune 100 Financial Services Company. You will be responsible for the following:

Job Description:

You will be supporting day-to-day operations and activities related to servicing commercial ABL loan transactions according to bank policies, procedures, and regulatory requirements. This can include customer/client modifications, account maintenance, rebooking, and purchased receivables management to ensure accuracy through life of transaction.

Responsibilities:

• Lead a variety of servicing activities for complex commercial products

• Serve as primary liaison and work collaboratively with Sales, Legal, Control and Risk, Technology, and various Operations

and company teams as necessary to progress customer-focused needs

• Review and negotiate complex loan servicing transactions, evaluate risks, and devise strategies to mitigate risks and identify

procedural modifications

• Serve as an escalation point in the resolution of client issues

• Conduct quality reviews and monitor key performance metrics as related to efficiencies and effective processes

• Coordinate servicing activities to resolve open customer issues, loan and regulatory diligence and on-going portfolio

maintenance; interact with internal and external customers

• Evaluate and upload data into the systems of record

• Research complex business and operational decisions

• Ensure compliance with all policies, procedures, and regulatory requirements

Required Skills:

- Strong experience with Commercial loan servicing

- Familiarity with (ABL) asset-based lending - (look for understanding of tranches, settlements, swinglines, payoffs, restructures, payments, advances, and accruals)

- Familiarity with loan servicing software and MS Office tools (MS Excel).

- Experience reviewing financial data, reconciling accounts, and calculating charges.

- Ability to Review financial data, reconciling accounts, and calculating charges

• $2,000 sign-on bonus!
• Uncapped monthly commission (the sky is the limit!)
• Generous 6-month ramp-up period with supplemental income
• Reimbursement for your mileage in between appointments
• Discounted TDS services
• Full benefits package, including:
  • Health, dental, vision, and life insurance beginning on day one of employment
  • 401K program with excellent company match
  • 3 weeks paid vacation, 2 weeks paid sick time, and company holidays

• Identify, contact and build relationships with prospective customers as well as existing customers through a combination of telephone and in-person cold calls, networking and referrals to obtain appointments.
• Leverage the TDS CRM system to develop prospecting and sales strategy that ensures high activity and effective closing ratios for new and existing customers.
• Maintain accurate and timely customer status and forecasting utilizing the CRM system for all new prospects and the existing strategic customer base.
• Write and submit accurate and timely new customer orders following the established sales process. The SR Account Executive will also manage/place moves, adds, changes and deletion orders (MACD) for their existing customer base.
• Conduct sales calls to determine customer needs, gain information, determine how TDS can help solve business challenges and effectively communicate TDS' value proposition to prospective customers and their existing customer base.
• Meet or exceed sales and revenue growth for new and existing customer base. Make regular contact with existing base, building that relationship and growing the revenue's from those accounts.
• Build and maintain relationships with contacts and lead sources.

• 3+ years sales experience.
• 2+ years cold calling experience.
• Must have and maintain a valid driver's license, insurance, and have access to reliable transportation.

• Proven ability to work in a fast paced, ever-changing, multi-system environment.
• Proven ability to manage a territory using technology, prioritization and time management skills.
• Track record of success in business-to-business sales.
• Access to a cell phone.
• Excellent verbal and written communications skills including the ability to convincingly persuade others as evidenced in personal interviews and via telephone.
• Ability to clearly and effectively set goals and then attain them as evidenced by a track record of setting goals, creating a work plan, establishing a reward, working diligently, measuring performance, adjusting as necessary and then accomplishing the goal.
• Ability to work independently as evidenced by identifying problems, gathering data, weighing the facts, consulting others as necessary, making decisions and effectively implementing the decision.
• Computer literacy (i.e., Excel, Word, email, Internet).
• Must maintain quota levels.

• Medical Coverage
• Dental Coverage
• Vision Coverage
• Life Insurance
• 401(k) Plan
• Generous Vacation & Paid Sick Leave
• Seven Paid National Holidays & One Floating Holiday
• Paid Parental Leave (6 weeks after 12 months of employment)
• Adoption & Surrogacy Assistance
• Employee Assistance & Wellness Programs

• Short-Term & Long-Term Disability
• TDS Service Discounts
• Education Assistance
• Paid Volunteer Time

• Schedule: Full-Time , 0.9 FTE, 72 Hours per 2 weeks, 12-hour Night Shift, 7 p - 7 a

• Department: Medicine IV

• Benefits: This position is eligible for benefits. For more benefit information, please visit our website here:

• Graduate of an accredited school of nursing required .

• Associate's or Bachelor's degree in nursing .

• Current valid North Carolina nursing license required .

• Basic Life Support (BLS) through American Red Cross or American Heart Association required .

• 1 year of acute nursing experience, required .

• Our team members are part of an environment that fosters teamwork, team member engagement and community involvement.

• The successful team member has a commitment to leveraging diversity and inclusion in support of quality care.

• All Novant Health team members are responsible for fostering a safe patient environment driven by the principles of First Do No Harm.

• Provide specialized care and monitor patients closely.

• Work with healthcare teams to develop care plans for patients.

• Manage complex conditions and perform necessary procedures.

• Respond quickly to emergencies and perform life-saving interventions.

• Educate patients and families on care and treatment options.

• Accurately document patient information and care interventions in medical records.