Аналитик по страховым тарифам — работа в Финляндии
Insurance rating analysts analyse information related to insurance markets and their credit rating, prepare rating reports and invoices, compile financial data and present and explain credit rating opinions to stakeholders, clients and external parties. They work for insurance companies and calculate the insurance premium and rates for the company’s clients using both manual and automated methods.
Аналитик по страховым тарифам - Какие навыки обязательны?
Examine and analyse the loans provided to organisations and individuals through different forms of credit such as overdraft protection, export packing credit, term loan, and purchase of commercial bills.
The law and legislation concerning the policies of transferring risks or losses from one party, the insured, to another, the insurer, in exchange for a periodic payment. This includes the regulation of insurance claims and the business of insurance.
Prepare reports which outline an organisation's likelihood of being able to repay debts and do so in a timely manner, meeting all the legal requirements linked to the agreement.
Collect, revise and put together financial information coming from different sources or departments in order to create a document with unified financial accounts or plans.
Investigate and look for information on the creditworthiness of companies and corporations, provided by credit rating agencies in order to determine the likelihood of default by the debtor.
Gather information on securities, market conditions, governmental regulations and the financial situation, goals and needs of clients or companies.
Consult, advise, and propose solutions with regards to financial management such as acquiring new assets, incurring in investments, and tax efficiency methods.
Understand the principles of insurance, including third party liability, stock and facilities.
The rules of applying mathematical and statistical techniques to determine potential or existing risks in various industries, such as finance or insurance.
The various techniques and procedures applied to ensure that credit is given to the suitable customers and that they pay on time.
Identify and analyse risks that could impact an organisation or individual financially, such as credit and market risks, and propose solutions to cover against those risks.
The trends and major driving factors in the insurance market, insurance methodologies and practices, and the identification of the major stakeholders in the insurance sector.
The various types of risk or loss transfer policies that exist and their characteristics, such as health insurance, car insurance or life insurance.
Аналитик по страховым тарифам - Какие навыки полезны, но не обязательны?
Implement company policies and procedures in the credit risk management process. Permanently keep company's credit risk at a manageable level and take measures to avoid credit failure.
Provide advice on risk management policies and prevention strategies and their implementation, being aware of different kinds of risks to a specific organisation.
Share your expertise in the evaluation process which assesses the debtor's ability, be it a government institution or a business, to pay back its debt.
Meet with clients to review or update an investment portfolio and provide financial advice on investments.
Create guidelines for a financial institution's procedures in supplying assets on credit, such as the contractual agreements which have to be made, the eligibility standards of prospective clients, and the procedure for collecting repayment and debt.
Communicate with professionals in the field of banking in order to obtain information on a specific financial case or project for personal or business purposes, or on behalf of a client.
Prepare, determine and agree on the conditions for cooperation contracts with a company, by comparing products, following evolutions or shifts in the market and negotiating terms and prices.
The study of statistical theory, methods and practices such as collection, organisation, analysis, interpretation and presentation of data. It deals with all aspects of data including the planning of data collection in terms of the design of surveys and experiments in order to forecast and plan work-related activities.
Based on accounts, records, financial statements and external information of the market, analyse the performance of the company in financial matters in order to identify improvement actions that could increase profit.
Inform existing or potential customers about the various financial goods and services that are offered by the company.
Use research techniques and tracing strategies to identify overdue payment arrangements and address them
Predict how the business will perform in future, potential expenditures and revenues to project situations for future periods
The processes needed to obtain goods or services before payment and when a sum of money is owed or overdue.
The theory of finance that attempts to either maximise the profit of an investment equivalent to the risk taken or to reduce the risk for the expected profit of an investment by judiciously choosing the right combination of financial products.
Create guidelines for the assessment of risks and determining whether acceptance of liability and granting payments is worth the risk for the organisation. Develop improved methods of analysis which ensure that all aspects of the underwriting process are examined.
Analyse the credit files of an individual, such as credit reports which outlines a person's credit history, in order to assess their creditworthiness and all the risks that would be involved in granting a person a loan.
Establish a positive, long-term relationship between organisations and interested third parties such as suppliers, distributors, shareholders and other stakeholders in order to inform them of the organisation and its objectives.
Analyse the probability and size of the risk that is to be insured, and estimate the value of movable or immovable property of the client.