Risk Advisor (Sales)

The Benefits Risk Advisor is responsible for developing relationships and generating new business for the agency.  The Benefits Risk Advisor creates and delivers strategy for the prospective and existing clients.

To perform this job successfully, an individual must be able to perform each essential duty adequately.  The requirements listed below are representative of the knowledge, skill and/or ability required.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Searches for qualified new prospects, sets meetings, pursues sales efforts, and closes new business.
• Meets with existing and prospective clients to:
  • Review exposures
  • Analyze business and insurance needs
  • Develop strategy
  • Explain value proposition
  • Make recommendations
• Oversees preparation of proposal material and approach to the client presentation. Involves Account Executive as needed to prepare or present final proposal materials.
• Negotiates proposals and rewrites directly with the client.
• Determines strategy for the renewal process with the operational team.
• Introduces client to support team for day-to-day service. Provides guidance to Account Executives and Account Manager regarding escalated service issues.
• Documents detailed client meeting notes or discussions and provides follow-up to operational team.
• Supports and adheres to agency goals and objectives to place and retain business with our key companies.
• Supports and adheres to procedures to minimize the agency’s error and omission exposure.
• Establishes and maintains client contacts through participation in community organizations, professional organizations, etc., which serve our clients.
• Develops rapport with clients. Entertains existing and prospective clients as appropriate.
• Participates in training to enhance knowledge and skills
• Other job duties as assigned.

• Expert knowledge of benefits products, markets, and the marketing process. 
• Ability to satisfy the needs of the customer, both internal and external. 
• Excellent negotiating, decision-making, and sales skills. 
• Strong leadership skills and relationship building skills. 
• Excellent customer service and teamwork skills. 
• Ability to interact with employees, customers, and vendor companies. 
• Working knowledge of computer software packages including Microsoft Word, Excel, and Outlook. 
• Ability to use general office equipment, including a computer, copier, and telephone systems. 
• Ability to travel offsite as needed 

• A college degree is preferred. A major insurance industry professional designation awarded by the American College of Insurance may be substituted for a college degree (e.g. CEBS). 
• Must be willing to work towards professional industry designations (e.g. RHU, REBC, CEBS). 
• Requires possession and maintenance of a Life and Health license 
• Must have a current driver’s license and an insurable driving record.   

• General Office work environment.  
• Requires regular use of arms, hands, and fingers.  
• Frequently required to sit for extended periods of time, reach with arm and hands, stand, walk, stoop, talk and hear.  
• Required to lift and/or move up to 10 pounds.  

This position may have access to Protected Health Information (PHI) and Electronic Protected Health Information (ePHI).  An employee will be responsible for following the guidelines of the HIPAA Confidentiality Agreement. 

Note:    This job description is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with this job. The employee is expected to perform those duties listed as well as other related duties directed by management.