Leverage Ratio Calculation Formula 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.

Come Join the Premier Infusion & Healthcare Family! At Premier we offer employees stability and opportunities for advancement. Our commitment to our core values of Compassion, Integrity, Respect and Excellence in People applies to our employees, our customers, and the communities we serve. This is a rewarding place to work!

Premier Infusion and Healthcare Services is a preferred post-acute care partner for hospitals, physicians and families in Southern CA. Our rapidly growing home health and infusion services deliver high-quality, cost-effective care that empowers patients to manage their health at home. Customers choose Premier Infusion and Healthcare Services because we are united by a single, shared purpose: We are committed to bettering the quality of life for our patients. This is not only our stated mission but is what truly drives us each and every day. We believe that our greatest competitive advantage, our greatest asset are our employees, our Premier Family in and out of the office sets Premier apart.

PREMIER BENEFITS - For FULL TIME Employees:

● Competitive Pay

● 401K Matching Plan - Up to 4%

● Quarterly Bonus Opportunities

● Medical, Dental & Vision Insurance

● Employer Paid Life Insurance

● Short Term / Long Term Disability Insurance

● Paid Vacation Time Off

● Paid Holidays

● Referral Incentives

● Employee Assistance Programs

● Employee Discounts

● Fun Company Events

Description of Responsibilities

The Nutrition Care Specialist III performs a variety of specialized duties to support the nutrition support department. Responsibilities include assisting Registered Dietitians (RDs) and Nutrition Care Specialist I & II in coordinating enteral nutrition (EN) and supporting patient care management. The role involves processing and managing enteral nutrition orders within the EMR system, coordinating the timely delivery of formulas and supplies, and maintaining accurate patient records. Nutrition Care Specialist III also troubleshoots supply and equipment issues, manages inventory, and supports compliance with clinical, operational, and regulatory standards.

Reporting Relationship

Nutrition Support Supervisor

Responsibilities:

1. Enteral order entry and refills:

• Accurately enter orders into the EMR system, including processing the initial dispense, supply ticket, and faxing orders to home health.
• Calls patients to coordinate the timely and accurate delivery of enteral formula, equipment, and supplies, prioritizing the PHD program.
• Assist with maintaining the enteral census.
• Prioritize utilizing the preferred enteral formulary of Nestle.
• Process order changes and calculate formula amounts based on an ordered supply amount.
• Provides patient education on home enteral nutrition including formula use, tolerance troubleshooting, and EN pump operation and programming.
• Comply with the 90-day pump preventive maintenance protocol to meet ACHC standards.
• Coordinate care with RD, MD and home health agencies.
• Obtain updated weights, patient formula/supply inventory at home, patient compliance and any enteral feeding issues, and relay them to the Registered Dietitian as appropriate.
• Support non-dietitian, patient-related issues within the Nutrition Care Specialist III scope.

2. Nutrition Support Duties

• Participate in Medicare qualification processes for home EN and PN.
• Assists Registered Dietitians (RDs) with Medicare Infusion Initial Assessments.
• Reviews medication profiles and collaborates with pharmacists or RDs on medication reconciliations.
• Support the RDs with staying compliant with reviewing and signing enteral work orders in a timely manner.
• Provides troubleshooting for tolerance issues within scope of practice.

2. Perform data entry:

• Perform data entry of patient medication profiles to maintain ACHC standards.
• Discharge patients from EMR system at the end of therapy.

3. Enteral team liaison:

• Act as liaison for the Enteral team with the Nutrition Support department.
• Communicate with doctors, nurses, and hospitals regarding patient care
• Able to communicate well with the pharmacy staff, nutrition support team and supervisor.

1. Participate in surveys conducted by authorized inspection agencies.
2. Participate in the pharmacy’s Performance Improvement program as requested by the Performance Improvement Coordinator.
3. Participate in pharmacy committees when requested.
4. Participate in in-service education programs provided by the pharmacy.
5. Pursue continuing education programs appropriate to job responsibilities and certification requirements.
6. Pursue continuing education programs appropriate to job responsibilities and certification requirements.
7. Perform other duties as assigned by supervisor.
8. Comply with and adhere to the standards of this role as required by ACHC, Board of Pharmacy, Board of Nursing, Home Health Guidelines (Title 22), Medicare, Infusion Nurses Society, NHIA and other regulatory agencies, as applicable.

The following functions require the professional judgment of a pharmacist or dietitian and may not be performed by a Nutrition Care Specialist III:

1. Acceptance of verbal prescriptions.
2. Certification of filled prescriptions.
3. Weighing or measuring active drug ingredients without verification by a pharmacist.
4. Reconstitution of prefabricated medication without verification by a pharmacist.
5. Entry of orders into the computer system without verification by pharmacist.

Minimum Qualifications:

1. Flexible and able to work effectively in a multidisciplinary team.
2. Organizational skills are sufficient to maintain consistently accurate records.
3. Ability to evaluate options and to make efficient decisions.
4. Current knowledge of all applicable state and federal pharmacy laws, rules, and regulations.
5. Computer skills that include proficiency with spreadsheets and use of the internet, as well as word processing, and efficient use of the internet and e-mail.
6. Ability to use good judgment and work with minimal direction.
7. Must possess excellent oral and written communication skills, with the ability to express technical issues in “layman” terms.
8. Knowledge of basic medical terminology

Position Qualifications:

1. Must be within one year of obtaining a Bachelor’s Degree or advanced degree from an accredited institution with a major in Foods and Nutrition.
2. Prior experience in a hospital, pharmacy, or home health company is of benefit.
3. Prior experience in a consumer related business is also of benefit.
4. Experience in nutrition support in an acute care or long term care facility is desirable.

Job Title: Buyer / Planner - Korean/English Bilingual for an Urban Fashion Retail Chain

Base Salary: $70K to $80K / year with bonus – depends on experience and qualifications

Location: Carlstadt, NJ

Full-Time – Onsite Work Environment

About Our Client

Our Client's Organizagtion is a retail store that specializes in fashion apparel inspired by street fashion. Founded in 1995. The company has grown to operate approximately 30 stores across several states, including New Jersey, New York, Pennsylvania, Massachusetts, Virginia, Maryland, and Connecticut. They initially focused on hip hop fashion but has since expanded its product range to include a diverse assortment of streetwear, urban clothing, and accessories, appealing to a wide customer base.

Our client’s organization’s office is located in Carlstadt, NJ, which is known for its great industrial and business office sites in New Jersey. A super easy commute to Manhattan, NY is only a 20 to 25 minute drive via the Lincoln Tunnel. Additionally, the location is about 30 minutes drive to major international airports, 10-20minutes of drive to the well-known shopping malls, restaurants, great cafes, local theaters, and nearby living residences.

Position Overview

Our client is searching for an experienced Buyer/Planner for an Urban Fashion Retail Chain Business with a Korean/American bilingual candidate with Urban Fashion or General Fashion Buying, Merchandising Business Work and Education Background who possesses a proactive attitude, and sharp interpersonal skills will flourish to join their small but dynamic corporate team, along with about 200 employees at the retail shop locations. In this role, you will not only support the corporate office’s Buying Department's strategic initiatives but also share your experience, knowledge, and insights into the Urban Fashion industry’s retail operation.

Our client’s organization is known for its passion and collaborative effort, while your sharp buying and overall merchandise planning meets the Urban Fashion Retail Business’s growth, which offers you a platform to work, contribute, and grow together with the organization and its team members. We are looking for a multitasker with a strong desire to grow, engage actively with our team, and foster enduring relationships with our hundreds of colleagues and executive management.

Objectives of this role

• The Buyer/Planner will be responsible for the evaluation, selection, and purchasing of all merchandise in the categories of responsibility. This candidate must have a solid understanding of the needs of the Urban Fashion customer market trends to exceed sales goals.

• The Buyer/Planner will partner with other internal corporate buying and executive management team, and its store operations and visual merchandising to execute overall strategies.

• Responsible for building, creating, and managing Urban Fashion’s merchandise assortments, categories, and business plans that align with Urban Fashion’s market and consumer trends; assortment creation includes selecting and developing merchandise by considering quality, sourcing, timing, delivery, mix, and price.
• Manage entire product lifecycle from creation, tracking of the purchase orders, samples, merchandising in store, to markdowns and discards.
• Monitor market trends and supply conditions to mitigate risks and capitalize on opportunities.
• Lead sourcing of products and procurement activities for assigned categories or commodities, develop and implement procurement strategies to support business objectives.
• Identify, evaluate, and negotiate with suppliers to secure optimal terms and pricing, returns and chargebacks.
• Collaborate with internal key stakeholders to understand buying and planning merchandise needs and specifications.
• Ensure supplier compliance with quality standards, regulatory requirements, and company policies.
• Issue and manage purchase orders, contracts, and vendor agreements.
• Track and analyze data and key metrics and prepare reports on cost savings, supplier performance, and procurement activities.
• Participate in cross-functional initiatives, including cost reduction and retail-chain optimization projects.
• Analyze weekly sales, item performance, and reporting to identify opportunities and strategies to drive sales and margin
• Lead succession and successful buying of categories nd create exclusive products.
• Travel to store locations to review product mix, gather feedback, and identify opportunities to improve business.
• Attend trade shows and travel to vendor locations to grow and maintain professional relationships with external partners, as well as gain insight into new trends and opportunities.
• Partner with planning counterparts to manage the OTB and to identify opportunities in style count, sales goals, and inventory flow, well-planned and balanced inventory control for a successful outcome.

Required Skills and Qualifications

• Bachelor's degree (B. A.) from a four-year college or university, a bachelor’s degree in Fashion-Buying-Merchandising-Marketing Business, or a related field in Urban Fashion Buying, educational background preferred.
• At least 5 to 7+ years of experience and/or training; or equivalent combination of education and experience
• Proven ability to develop and implement strategies that drive business growth.
• Highly skilled in Microsoft Office (Excel, Word, PowerPoint), Google Suite, and adaptable to learning new systems.
• Highly knowledgeable in Excel’s calculation formula functions used in Fashion Buying and Merchandise Planning.
• Ability to work independently while also thriving in collaborative environments, taking initiative to drive projects forward.
• Strong aptitude for partnering with cross-functional teams to achieve shared goals and enhance organizational effectiveness
• Highly Skilled in developing, planning, presenting, and executing strategic initiatives that align with business objectives.
• Exceptional written and verbal communication abilities, facilitating clear and effective dialogue with stakeholders.
• Demonstrated leadership capability with prior management experience, fostering team engagement and performance.
• Highly skilled, both educational and professional, in the visualization of merchandise with knowledge of urban-fashion trends, are highly desirable.
• Detail-oriented with strong problem-solving capabilities, strategic thinker with a focus on continuous improvement, strong project management and organizational skills, and ability to manage multiple priorities in a fast-paced environment.

Preferred Skills and Qualifications

• Proven knowledge and skill in Microsoft Office (Excel, Word, PowerPoint), Google Suite, and adaptable to learning new systems, and Knowledge of Excel’s calculation formula functions used in Fashion Buying and Merchandise Planning.
• A proven record of buying and merchandising visualization in the knowledge of urban-fashion trends is highly desirable.
• Proven number track record and background in strategic assortment plans, brand insights, and understanding of product with a data-backed approach are highly desirable.

Benefits Package Offered

• 401K
• PTO (Paid Time Off) & Vacation Days
• Health and Dental Insurance
• Performance Bonus

California, Colorado, Connecticut, Nevada, New Jersey, New York, Rhode Island, or Washington Residents Only: The salary range and benefits for California, Colorado, Connecticut, Nevada, New Jersey, New York, Rhode Island, or Washington residents at a base salary of $70,000 to $80,000 per year, based on the level of experience. Pay is based on several factors, including but not limited to education, work experience, certifications, etc. In addition to your salary, the organization offers benefits such as a comprehensive benefits package, which is subject to eligibility requirements.

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

Job Title: Underwriter - Miscellaneous Medical

Division: Specialty Risks

Reports To: As per Beazley's organisation chart

Key Relationships: Brokers, Underwriters, Claims staff, Coverholders, external Clients and Suppliers

Job Summary: To underwrite a Miscellaneous Medical & Life Sciences account within the Healthcare Team and provide counsel and advice on Underwriting related issues. Provide technical expertise in this business area and maintain and improve market reputation of the Beazley brand.

Key Responsibilities:

Underwriting

• Develop and underwrite a profitable portfolio of Miscellaneous Medical & Life Sciences business as part of the Healthcare team.
• Structure tailor-made solutions by considering the team underwriting parameters and underwriting policy and using underwriting knowledge and experience to win new business and retain existing.
• Monitor premiums, costs and claims ratios per contract and take corrective measures if necessary to ensure long term profitability at account level.
• Evaluate appropriate risk premium by considering the risk costs, reinsurance cessions, capital exposure as well as the underwriting and general administration costs to ensure profitability, using rating models as applicable.
• Monitor peer underwriters in their daily work to ensure profitability as well as efficient and cost effective administration of the French and continental European Miscellaneous Medical & Life Sciences account.
• Monitor and supervise assistants in their daily work to ensure compliance with underwriting philosophy and policy and consistency within the team and Specialty Risks.
• Comply with Beazley's underwriting control standards for business written through Lloyd's, or Beazley's internal MGAs.
• Develop a good working relationship with the claims managers on this class of business.

Client Management

• Advise, assist and service clients on insurance and risk matters to ensure clients' satisfaction.
• Foster positive relationships with clients to get a mutual understanding of both their and Beazley's needs.
• Maintenance of good business relationships with brokers.
• Maintain awareness of overall Beazley product range and take advantages of opportunities to introduce other Beazley products to clients.

General

• Leverage networking opportunities within the business to develop standardised underwriting policy and best practice within Beazley.
• Develop best practice and disseminate business and class knowledge within the Healthcare and Specialty Risks team.
• Work with peers within Healthcare and Specialty Risks to maximise business opportunities and profitability within the department. This will include but not be limited to sharing market information, marketing sources and cross selling opportunities.
• Share and gather knowledge within the Beazley Group to ensure dissemination of best practice and maximise business opportunities and profitability across the Group.
• Production of presentations and marketing literature as required.
• Production of business plans/research documents for the Miscellaneous Medical & Life Sciences account as required.

It is important that within all your interactions both internally and externally you adhere to Beazley's core values - Being Bold, Striving for Better, and Doing the Right Thing - as they contribute to an internal environment of teamwork and promote a positive brand image and experience to our external customers. We also expect Beazley employees to:

• Comply with Beazley procedures, policies and regulations including the code of conduct
• Undertake training on Beazley policies and procedures as delivered by your line manager, the Culture & People or assurance teams (compliance, risk, internal audit) either directly, via e-learning or the learning management system
• Display business ethics that uphold the interests of all our customers
• Ensure all interactions with customers are focused on delivering a fair outcome, including having the right products for their needs
• Comply with any specific responsibilities necessary for your role as outlined by your line manager, the Culture & People or assurance teams (compliance, risk, internal audit) and ensure you keep up to date with developments in these areas. This may include, amongst others, Beazley's underwriting control standards, Beazley's claims control standards, other Beazley standards and customer relationship management
• Carry out additional responsibilities as individually notified, either through your objectives or through the learning management system. These may include membership of any Beazley committees or working groups

Personal Specification:

Skills and Abilities

• Proficient underwriting skills
• Accurate and numerate
• Computer skills - good working knowledge of MS Office, advanced Excel skills
• Strong analytical skills with attention to detail
• Able to communicate effectively with others, both verbally and in writing
• Ability to manage time, meet deadlines and prioritise
• Motivational skills

Knowledge and Experience

• General commercial and financial knowledge
• Experience in insurance industry
• Experience of Healthcare underwriting
• Thorough knowledge of underwriting policy, philosophy and practice
• Advanced knowledge of underwriting processes and systems
• Client service experience

Aptitude and Disposition

• Result focused, self-motivated, flexible and enthusiastic
• Professional approach to interact successfully with managers/colleagues/external suppliers
• Team worker as well as able to work on own initiative
• Customer focused, with a strong ethic of service and fairness to the customer

Competencies

• Achievement drive
• Analytical thinking
• Strategic thinking
• Service focus
• Team working
• Forward thinking
• Conceptual thinking

• Minimum 5 years of underwriting experience in healthcare-related insurance segments such as Miscellaneous Medical, Allied Healthcare, or Healthcare Professional Liability, including risk assessment, pricing, and portfolio management.
• Advanced analytical and financial skills with the ability to interpret underwriting guidelines, perform exposure evaluations, and make data-driven decisions.
• High proficiency in Microsoft Excel (including pivot tables, VLOOKUP, and complex formulas) and strong communication skills for negotiating terms and presenting underwriting decisions to brokers, clients, and internal stakeholders.

Who We Are:

Beazley is a specialist insurance company with over 30 years' experience helping people, communities and businesses to manage risk all around the world. Our mission is to inspire our clients and people with the confidence and freedom to explore, create and build - to enable businesses to thrive. Our clients want to live and work freely and fully, knowing they are benefitting from the most advanced thinking in the insurance market. Our goal is to become the highest performing sustainable specialist insurer.

Our products are wide ranging, from cyber & tech insurance to marine, healthcare, financial institutions and contingency; covering risks such as the weather, film production or protection from deadly weapons.

Our Culture

We have a wonderful mix of cultures, experiences, and backgrounds at Beazley with over 2,000 of us working around the world.Employee's diversity,experience and passion allow us to keep innovating and moving forward, delivering the best. We are proud of our family-feel culture at Beazley that empowers our staff to work from when and where they want, in an adult environment that is big on collaboration, diversity of thought and personal accountability. Our three core values inspire the way we work and how we treat our people and customers.

• Be bold

• Strive for better

• Do the right thing

Upholding these values every day has enabled us to become an innovative and responsive organization in touch with the changing world around us - our ambitious inclusion & diversity and sustainability targets are testament to this.

We are a flexible and innovative employer offering a friendly, collaborative, and inclusive working environment. We actively encourage and expect applications from all backgrounds. Our commitment to fostering a supportive and dynamic workplace ensures that every employee can thrive and contribute to our collective success.

Explore a variety of networks to assist with professional and/or personal development. Our Employee Networks include:

• Beazley RACE - Including, understanding and celebrating People of Colour

• Beazley SHE - Successful, High potential, Empowered women in insurance

• Beazley Proud - Our global LGBTQ+ community

• Beazley Wellbeing - Supporting employees with their mental wellbeing

• Beazley Families - Supporting families and parents-to-be

We encourage internal career progression at Beazley, giving you all the tools you need to drive your own career here, such as:

• Internal Pathways (helping you grow into an underwriting role)

• iLearn (our own learning & development platform)

• LinkedIn Learning

• Mentorship program

• External qualification sponsorship

• Continuing education and tuition reimbursement

• Secondment assignments

The Rewards

• The opportunity to connect and build long-lasting professional relationships while advancing your career with a growing, dynamic organization

• Attractive base compensation and discretionary performance related bonus

• Competitively priced medical, dental and vision insurance

• Company paid life, and short- and long-term disability insurance

• 401(k) plan with 5% company match and immediate vesting

• 22 days PTO (prorated for 1st calendar year of employment), 11 paid holidays per year, with the ability to flex the religious bank holidays to suit your religious beliefs

• Up to $700 reimbursement for home office setup

• Free in-office lunch, travel reimbursement for travel to office, and monthly lifestyle allowance

• Up to 26 weeks of fully paid parental leave

• Up to 2.5 days paid annually for volunteering at a charity of your choice

• Flexible working policy, trusting our employees to do what works best for them and their teams

Salary for this role will be tailored to the successful individual's location and experience. The expected compensation range for this position is $120,000K - $160,000K per year plus discretionary annual bonus.

Don't meet all the requirements? At Beazley we're committed to building a diverse, inclusive, and authentic workplace. If you're excited about this role but your experience doesn't perfectly align with every requirement and qualification in the job specification, we encourage you to apply anyway. You might just be the right candidate for this, or one of our other roles.

Job Title: Underwriter - Miscellaneous Medical & Life Sciences

Division: Specialty Risks

Reports To: As per Beazley's organisation chart

Key Relationships: Brokers, Underwriters, Claims staff, Coverholders, external Clients and Suppliers

Job Summary:

To underwrite a Miscellaneous Medical & Life Sciences account within the Healthcare Team and provide counsel and advice on Underwriting related issues. Provide technical expertise in this business area and maintain and improve market reputation of the Beazley brand.

Key Responsibilities:

Underwriting

• Develop and underwrite a profitable portfolio of Miscellaneous Medical & Life Sciences business as part of the Healthcare team.
• Structure tailor-made solutions by considering the team underwriting parameters and underwriting policy and using underwriting knowledge and experience to win new business and retain existing.
• Monitor premiums, costs and claims ratios per contract and take corrective measures if necessary to ensure long term profitability at account level.
• Evaluate appropriate risk premium by considering the risk costs, reinsurance cessions, capital exposure as well as the underwriting and general administration costs to ensure profitability, using rating models as applicable.
• Monitor peer underwriters in their daily work to ensure profitability as well as efficient and cost effective administration of the French and continental European Miscellaneous Medical & Life Sciences account.
• Monitor and supervise assistants in their daily work to ensure compliance with underwriting philosophy and policy and consistency within the team and Specialty Risks.
• Comply with Beazley's underwriting control standards for business written through Lloyd's, or Beazley's internal MGAs.
• Develop a good working relationship with the claims managers on this class of business.

Client Management

• Advise, assist and service clients on insurance and risk matters to ensure clients' satisfaction.
• Foster positive relationships with clients to get a mutual understanding of both their and Beazley's needs.
• Maintenance of good business relationships with brokers.
• Maintain awareness of overall Beazley product range and take advantages of opportunities to introduce other Beazley products to clients.

General

• Leverage networking opportunities within the business to develop standardised underwriting policy and best practice within Beazley.
• Develop best practice and disseminate business and class knowledge within the Healthcare and Specialty Risks team.
• Work with peers within Healthcare and Specialty Risks to maximise business opportunities and profitability within the department. This will include but not be limited to sharing market information, marketing sources and cross selling opportunities.
• Share and gather knowledge within the Beazley Group to ensure dissemination of best practice and maximise business opportunities and profitability across the Group.
• Production of presentations and marketing literature as required.
• Production of business plans/research documents for the Miscellaneous Medical & Life Sciences account as required.

It is important that within all your interactions both internally and externally you adhere to Beazley's core values - Being Bold, Striving for Better, and Doing the Right Thing - as they contribute to an internal environment of teamwork and promote a positive brand image and experience to our external customers. We also expect Beazley employees to:

• Comply with Beazley procedures, policies and regulations including the code of conduct
• Undertake training on Beazley policies and procedures as delivered by your line manager, the Culture & People or assurance teams (compliance, risk, internal audit) either directly, via e-learning or the learning management system
• Display business ethics that uphold the interests of all our customers
• Ensure all interactions with customers are focused on delivering a fair outcome, including having the right products for their needs
• Comply with any specific responsibilities necessary for your role as outlined by your line manager, the Culture & People or assurance teams (compliance, risk, internal audit) and ensure you keep up to date with developments in these areas. This may include, amongst others, Beazley's underwriting control standards, Beazley's claims control standards, other Beazley standards and customer relationship management
• Carry out additional responsibilities as individually notified, either through your objectives or through the learning management system. These may include membership of any Beazley committees or working groups

Personal Specification:

Skills and Abilities

• Proficient underwriting skills
• Accurate and numerate
• Computer skills - good working knowledge of MS Office, advanced Excel skills
• Strong analytical skills with attention to detail
• Able to communicate effectively with others, both verbally and in writing
• Ability to manage time, meet deadlines and prioritise
• Motivational skills

Knowledge and Experience

• General commercial and financial knowledge
• Experience in insurance industry
• Experience of Healthcare underwriting
• Thorough knowledge of underwriting policy, philosophy and practice
• Advanced knowledge of underwriting processes and systems
• Client service experience

Aptitude and Disposition

• Result focused, self-motivated, flexible and enthusiastic
• Professional approach to interact successfully with managers/colleagues/external suppliers
• Team worker as well as able to work on own initiative
• Customer focused, with a strong ethic of service and fairness to the customer

Competencies

• Achievement drive
• Analytical thinking
• Strategic thinking
• Service focus
• Team working
• Forward thinking
• Conceptual thinking

Essential Criteria

• Minimum 5 years of underwriting experience in healthcare-related insurance segments such as Miscellaneous Medical, Allied Healthcare, or Healthcare Professional Liability, including risk assessment, pricing, and portfolio management.
• Advanced analytical and financial skills with the ability to interpret underwriting guidelines, perform exposure evaluations, and make data-driven decisions.
• High proficiency in Microsoft Excel (including pivot tables, VLOOKUP, and complex formulas) and strong communication skills for negotiating terms and presenting underwriting decisions to brokers, clients, and internal stakeholders.

The rewards:

• The opportunity to connect and build long-lasting professional relationships while advancing your career with a growing, dynamic organization
• Attractive base compensation and discretionary performance related annual bonus
• Competitively priced medical, dental and vision insurance
• Company paid life, and short- and long-term disability insurance
• 401(k) plan with 5% company match and immediate vesting
• 22 days annual PTO (full-time, prorated for 1st calendar year of employment), plus paid public holidays with the ability to flex the religious bank holidays to suit your religious beliefs. Additional PTO purchase is available up to a maximum of 5 days per calendar year.
• Up to $700 reimbursement towards home office setup
• Free in-office lunch, travel reimbursement for travel to office, and monthly lifestyle allowance in support of your wellbeing
• The opportunity to save for, and purchase, shares of Beazley stock
• Six months fully paid parental leave, regardless of how you come to parenthood
• Company paid sabbatical up to 12 weeks after 10 years of continued service
• Support with exam/study leave and fees for relevant qualifications related to furthering education
• Up to 2.5 days matched paid leave for volunteering at a charity of your choice and 5 days paid leave to provide or arrange care for a dependent with a long term care need annually
• Smart working policy and flexible working culture, trusting our employees to do what works best for them, their role and the needs of the business

Salary for this role will be tailored to the successful individual's location and experience. The expected compensation range for this position is $90k - 145k per year plus profit related pay and discretionary annual bonus. You will be able to discuss your salary expectations should you be contacted about this role.

Don't meet all the requirements? At Beazley we're committed to building a diverse, inclusive, and authentic workplace. If you're excited about this role but your experience doesn't perfectly align with every requirement and qualification in the job specification, we encourage you to apply anyway. You might just be the right candidate for this, or one of our other roles.

At Rite-Hite, your work makes an impact. As the global leader in loading dock and door equipment, we design and deliver solutions that keep our customers safe, secure, and productive. Here, you'll find innovation, stability, and the chance to grow your career as part of a team that's always looking ahead.

PURPOSE

This position is responsible for supporting the design, order entry and manufacturability of products through the system by creation and maintenance of manufacturing configurators, bill of materials and pricing rules. This position is also responsible for system/process procedure documentation and user training.

ESSENTIAL DUTIES AND RESPONSIBILITIESinclude the following. Other duties may be assigned.

Define item masters, bill of materials and routers by conducting white board exercises communicating with Engineering, Manufacturing, Purchasing and Applications on issues relating to JD Edwards. This includes supporting manufacturing processes by developing cross segment edits (application rules), formulas, conditions, targeting (item cost and suggested list prices), tables and routers inan accurateandtimelymanner.

Create Sales Configurators for entry of product into JD Edwards and the CAP (Configure Apply Price) Tool. This includes supporting Sales Force Automation (SFA)applications, anddeveloping cross-segment edits (application rules and suggested options based on the original salesperson entries), formulas, conditions, tables and targeting (list prices) inan accurateandtimelymanner. In manycasesthese will be developed for use at product announcement and before theappropriate Engineeringhas been completed.

Participate in the design, preparation, and release of interactive CAP documents. These will include electronic documents that merge configuration data with documents. This will normally be a cross-functional team drawn from Marketing, Applications, and outside suppliers.

Develop andmaintainPit Detail drawings in the CAP tool. These will define the required leveler pit dimensions and materialsrequiredfor the proper installation of levelers. This position works withDesignEngineering, Order Engineering, and Applications Department to define rules and bills of material.

CAP Wizards and Dependencies. Creates andmaintainssimplified Entry Wizards and Dependencies that communicateimportant informationto the salesperson. These dependencies will vary from requirements to informational notificationsrequiredto get a "clean" quote and conversion to an order.

Works with Applications, Marketing and Engineering to define Help text for individual segments for use in JD Edwards and the CAP tool. These explain individual product options in detail with a focus on making it clearest to the salesperson.

Works with Applications and Marketing to define English Definitions for Cross-Segment Edits.

Generate a comprehensive test plan for each configuration implementation. Oversee a cross-functional team to ensure that adequate testing is performed as a prerequisite to each implementation.

Perform post implementation audits to ensure theaccuratetransfer of information from the test to the live sales and manufacturing branch plants.

Review Engineering Change Notices toidentifytheir effect on JDE coding. Implementchangethrough the JD Edwards Manufacturing System. This will includeupdating ofitem masters, bills of materials, routings,tablesand costs.

Participates in manufacturing software implementations or upgrades. This will include defining andmaintainingthe manufacturing system setup and use. It may involvedefining ofnew processes required by new software. It will include definingappropriate dataconversions andverification ofdata accuracy.

Train personnel on MRP II, PhDconceptsand other related topics.

Document applicable policies and procedures.

Recommends changes, such as design modifications to engineering or process improvements to manufacturing, to achieve standardization and simplification.

Assist with development of product structures as they relate to selection of assembly forms to ensure efficient systems adaptability.

Responsible for continuous improvement of systems, setup,processesand procedures as they relate to assigned job duties and supporting areas.

PRINCIPLE ACCOUNTABILITIES
Implement the system or process improvement plans that achieve the stated goals andobjectivesof the plan(s).

Ensureaccurateitem master information, bill of materials,routersand multi-property edits.

EDUCATION and/or EXPERIENCE
ABachelor's degree in Industrial or Manufacturing Engineeringfrom afour yearcollege or university with at least two years related experiencerequired; or an equivalent combination of education and experience. Successfulcandidatewillpossessknowledge of contemporary manufacturing technologies. A working knowledge of CAD, familiarity with Rite-Hite products and/or knowledge of CA-KBM PhD is preferred but not required.

LANGUAGE SKILLS
Ability to read, analyze, and interpret general business periodicals, professional journals, technicalproceduresor governmental regulations. Ability towritereports, businesscorrespondenceand procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and thegeneral public.

MATHEMATICAL SKILLS
Ability to work with mathematical concepts such as probability and statistical inference and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

REASONING ABILITY
Abilityto define problems, collect data,establishfacts, and draw valid conclusions. Ability to interpret anextensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

PHYSICAL DEMANDS
While performing the duties of this job, the employee is regularlyrequiredsitand talk or hear. The employeefrequentlyis required tostand, walk, reach with hands andarmsand use hands to finger. The employeeis occasionally required tostoop, kneel, crouch, or crawl. The employee may occasionallylift upto ten pounds. Specific vision abilities required by this job include close vision, colorvisionand ability to adjust focus.

WORK ENVIRONMENT
The noise level in the work environment is usually quiet.

What We Offer

At Rite-Hite, we take care of our people - because when you're supported, you can do your best work. Our benefits are designed to support your health, your future and your life outside of work:

• Health & Well-being: Comprehensive medical, dental, and vision coverage, plus life and disability insurance. A robust well-being program with an opportunity to receive an extra day off and more.

• Financial Security: A strong retirement savings program with 401(k), company match, and profit sharing.

• Time for You: Paid holidays, vacation time, and personal/sick days each year.

Join us and build a career where you're supported - at work and beyond.

Rite-Hite is proud to be an Equal Opportunity Employer. We consider all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected characteristic under federal, state, or local law.In accordance with VEVRAA, we are committed to providing equal employment opportunities for protected veterans.We are also committed to maintaining a drug-free workplace for the safety of our employees and customers.