Job Summary
About the job:
This role is responsible for surveying risks across the Commercial Property portfolios. Provides risk surveying and risk improvement services for business partners. Should have the ability to work independently most of the time. The provision of comprehensive risk insight is often for commercial and retail market underwriters. Is primarily based at a branch but works from home.
Key Tasks & Accountabilities:
• Carry out & complete risk assessments and provide survey reports within agreed time frames.
• Provide Risk Improvement Actions Assessing loss potentials in accordance with agreed definitions.
• Provide recommendations on acceptability of risks.
• Recommend solutions for property risks.
• Identify actual and potential hazards or loss exposures.
• Carry out Desktop Reviews.
• Support external and internal customers by identifying, assessing, and reducing the risks they face.
• Contribute to Risk Engineering body of knowledge.
• Participate in basic level training for customers.
• Participation in professional / industry groups.
• Lead risk assessment meetings and conduct negotiations.
• Negotiate successfully across the organization and with external vendors and clients in a constructive and collaborative manner.
• Access organisational policies and practices for negotiating.
• Work to achieve win-win in negotiations, rather than taking a win-lose approach.
• Follow compliance guidelines as required by guiding principles, policies, and procedures.
• Interact with individual customers.
• Present a professional image, especially when dealing with customers.
• Relationships Internal Stakeholders:
oUnderwriting.
oSales and Distribution.
oRisk Engineering manager and mentor.
oRisk Engineers and Risk Analysts.
• Relationships External Stakeholders:
oCustomers.
oBrokers.
oParticipation in professional / industry groups.
Qualifications & Experience:
• Relevant industry/insurance experience or certification in Hazard Identification and Risk Assessment.
• Relevant experience in the assessment of risks and reporting (at least 2 years).
• Strong communications and interpersonal skills.
• Report writing skills critical.
• Demonstrated ability to work in a team environment with minimum supervision.
• Ability to work independently.
• Very good computer skills.
• Short-term insurance background an advantage.
• Own mobile telephone, laptop, hard hat, high visibility vest, safety glasses, safety boots or shoes.
• Own motor vehicle & valid driver's license - will be required to travel.
• Subsidized professional membership/association fees.
• Great English communication (written & verbal) skills.
Competencies/Knowledge:
• Knowledge of techniques, roles, and responsibilities in providing technical guidance to clients, both internal and external; ability to apply this knowledge appropriately to diverse situations.
• Knowledge of successful negotiation concepts and techniques.
• Explains the basic concepts of negotiating.
• Describes qualities of effective and ineffective negotiations.
• Utilizes techniques for establishing rapport and building trust.
• Demonstrates a willingness to examine own position.
• Knowledge of practices, tools and techniques for assessing loss exposures.
• Can define the basic construction types.
• Can identify the need for and presence of automatic sprinkler systems.
• Can define the role of the risk surveyor in the underwriting process.
• Can define terms related to property evaluation.
• Can recommend controls for hazards associated with common ignition sources.
• Can prepare simple property diagrams to provide underwriters with overall view of risk's exposures.
• Can evaluate space separations and fire barrier walls for Probably Maximum Loss (PML) and Estimate Maximum Loss (EML).
• Know how to complete a Risk Assessment.
• Can explain the purpose of causal loss analysis.
• Understands the value of company-specific standards and guidelines.
• Can identify the insurance coverage that is applicable to the Risk Engineering service.
• Knowledge of how to develop risk control plans and management programs to control losses at corporate and local levels.
• Can identify the basic program elements for prevention.
• Understands the importance of a customer's safety program.
• Understands the importance of effective communication with the insured.
• Understands the role of the risk surveyor in the relationship with the insured.
• Knows how to recommend physical and management controls technically appropriate to loss potential.
• Knowledge of loss control/Risk Engineering.
• Knowledge of the basic spectrum of activities, practices, tools, and considerations for managing and delivering loss control services.
• Understands basic engineering and safety concepts and terminology.
• Can identify basic safety factors given simple examples.
• Can describe the purpose, content, and usage of risk engineering reports.
• Type of customer contact.
• Facing external individual customers.
• Demonstrate language expertise relative to the applicable customer base.