Risk Manager

POSITION SUMMARY:

The Risk Manager is responsible for overseeing risk management activities on a Company-wide basis. The role works with insurance brokers to ensure appropriate insurance policies are in place as well as continuously monitors and analyzes insurance needs and utilizes historical loss data; inspects and evaluates current business practices and recommends improvements to reduce risk of future loss; updates, develops, and implements policies and programs to manage risk, minimize losses, and ensure legal compliance; advises and assists Company EMT on risk management and loss control issues. Provides Certificate of Insurance (COI) to lenders, funders, and auditors.

ESSENTIAL FUNCTIONS:

• Manages enterprise-level insurance needs and property-level Casualty insurance and General Liability insurance.
• Handles administrative related work for the annual insurance renewal.
• Conducts risk assessments, collecting and analyzing documentation, statistics, reports, and market trends.
• Collects and analyzes historical loss data to identify trends and makes recommendations to improve loss experience.
• Inspects work site facilities and equipment to detect existing or potential accidents and health hazards and recommends corrective or preventative measures.
• Reviews business processes and practices, and advises departments on methods to manage risks, improve safety, and minimize future losses.
• Oversees risk management activities, including workplace safety, and loss analysis/prevention.
• Investigates workplace accidents and incidents to minimize loss, reduce future risk, and protect safety of equipment and personnel.
• Develops and implements strategies to minimize costs using a variety of methods, such as safety training, risk transfer, claims review, competitive contracting.
• Develops policies and programs to identify and address risks and ensures legal compliance with Federal, State, and local health and safety laws and regulations.
• Reviews and assesses risk management policies and protocols; makes recommendations and implements modifications and improvements.
• Recommends and implements risk management solutions such as insurance, safety and security policies, business continuity plans, or recovery measures.
• Reviews and analyzes metrics and data such as cash flow, inventory, breakage, and employee activity that could uncover fraudulent behavior.
• Prepares various statistical and financial reports related to Company losses and risk management initiatives.
• Assists with financial analysis and budgeting for workers' compensation and other risk management program components.
• Performs other duties as assigned.

KNOWLEDGE, SKILLS AND ABILITIES - GENERAL PERFORMANCE:

• Thorough understanding of policies and best practices of risk management.
• Knowledge of workplace safety programs and workplace injury issues.
• Knowledge of federal safety standards (such as those mandated by OSHA, DOT, and others); actuarial concepts and insurance rate setting; industry standards and guidelines from such organizations as National Safety Council and National Institute of Occupational Safety and Health.
• Ability to travel and conduct site visits/audits/inspections as required.
• Excellent verbal and written communication skills.
• Excellent mathematical and critical thinking skills.
• Excellent analytical and problem-solving skills.
• Excellent organizational skills and attention to detail.
• Proficient with Microsoft Office Suite or related software to prepare reports and policies.
• Ability to manage multiple projects simultaneously; ability to analyze data and prepare reports; ability to establish and maintain effective working relationships with executive leaders/EMT.

EDUCATION AND EXPERIENCE REQUIRED:

• Bachelor’s degree in risk management, Business, Finance, or a related field required.
• At least one year of experience in risk management, workers' compensation, or related field; or an equivalent combination of education and experience.

PHYSICAL AND MENTAL REQUIREMENTS:

• Prolonged periods of sitting at a desk and working on a computer.
• Must be able to lift 15 pounds at times.
• Must be able to access and navigate each department at the organization’s facilities.
• The mental work demands regular attendance, working well with others, verbal contact with others, noise and occasional travel by conventional means including motor vehicle and the like within Prospera’s region and other locations as required.

The job description is intended to describe the general nature and work responsibilities of the position. This job description and the duties of this position are subject to change, modification or addition as deemed necessary by the company. Employees are required to comply with supervisory instructions and perform other job duties, responsibilities and assignments required by company officials. The job description does not constitute an employment contract between the company and the employee. The job responsibilities of this position may include cross-training in other functions to ensure satisfactory operation.

EEO STATEMENT:

We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.