Directly handle an assigned claim caseload comprised mostly of high volume, low to moderate financial severity and complexity subrogation cases.  The primary emphasis is on producing quick, courteous and accurate claim adjustments for our policyholders and claimants.  Reasonably conclude claims promptly and equitably within the provisions of the insurance policy and in accordance with known damages and legal requirements.  All claims handled should comply with claim file handling guidelines and all other job expectations, requirements and regulations.

DUTIES & RESPONSIBILITIES

• Conduct and coordinate investigations on all assigned claims.
• Negotiate the settlement of claims within authorized authority limit.
• Maintain accountability for all assigned claims until disposition is reached.
• Recommend further action on claims exceeding authority limits.
• Document all substantive activity on assigned claims using notepad.
• Review new losses and open files on diary to ensure reserve adequacy and inform supervisor of adverse developments.
• Monitor loss adjustment expense and take steps to contain expenses and maintain quality.
• Identify coverage issues and work with supervisor for assistance and approval.
• Work with Subrogation and SIU groups as needed.
• Provide accurate and timely information to all external and internal customers concerning claim status and other claim inquiries.
• This position handles a claim pending which may vary in size and complexity based on internal and external factors.
• The Associate Claim Representative II is expected to assist coworkers and the clerical group in support of the unit and department.
• Performs other duties or special projects as required or as assigned.

SUPERVISION RECEIVED

Moderate to minimal supervision is received from the Claim Manager or Team Leader. The Associate Claim Representative II should be able to function relatively autonomously for the typical claims handled.

SUPERVISION EXERCISED

This job has no supervisory duties; however limited supervision of independent adjusters, appraisers or vendors may occur.

QUALIFICATIONS

• Associates or Bachelor’s degree in business, insurance or a related field, or its equivalent; one or more years of relevant claim technical experience; or a combination of education and experience from which comparable knowledge and skills were acquired.
• Active state Adjuster’s License(s) where required by law.
• Functional knowledge of the technical aspects of property and/or casualty claims (including automobile) related to the core responsibilities expected of the position.
• Working knowledge of Personal and Commercial Lines Policies specific to the position.
• Proven ability to perform key core job functions in a consistent manner.
• Able to reliably keep up with diary and task levels and achieve satisfactory grades on QCR audits.
• Dependable and consistent with a positive attitude and willingness to assist others.
• Demonstrated commitment to professional development through continuing education related to the job, e.g. AIC, AINS, AEI or PLRB certification coursework, etc.
• Increasing skills in technical areas; including working knowledge of relevant contract and tort law.
• Understanding of the insurance industry and company operations.
• Good analytical and negotiating skills.
• Adept at phone, verbal and written communication.
• Ability to exercise sound judgment and discretion.
• Effective when working with a wide range of outside firms and organizations.
• Aptitude to collaborate effectively with peers, support staff and company management.
• Strong Customer service orientation.
• Proficiency with PC applications including Microsoft Office (Word, Excel & Outlook); imaging and estimating software programs knowledge preferred.
• Ability to perform job duties effectively and consistently while under pressure.

PHYSICAL DEMANDS/WORKING CONDITIONS

• Predominately sedentary office position with high frequency of keyboarding/computer work required.
• The physical demands are minimal and typical of similar jobs in comparable organizations.
• The work environment is representative and typical of similar jobs in comparable organizations.
• Rare overnight travel.
• Potentially subject to stressful situations with respect to claim dispute.

Our EID Committee's Mission Statement:
At Vermont Mutual, we are continually striving to embody the principles of equity, inclusion, and diversity. We recognize our differences make us stronger as individuals and as an organization and we respect and embrace these differences. We endeavor for every employee, regardless of their differences, to have equitable access to opportunities and resources, where they can comfortably bring their whole-selves to work and confidently contribute fully to the organization's success.

In support of these principles, the Vermont Mutual Equity, Inclusion and Diversity Committee is dedicated to:

Providing information and education to employees and guidance and recommendations to the organization with regard to equity, and inclusion, and diversity.

As employees embrace the opportunity for deeper understanding of the issues, we will continually move our organization and our communities to be equitable in our actions, inclusive in our culture, and diverse in our make-up.