Insurance Risk Analyst Jobs in San Antonio, TX (NOW HIRING)

Position Description: Position SummaryThe Risk Manager is responsible for developing, implementing, and maintaining the company’s enterprise risk management, insurance, claims, safety, compliance, and loss-prevention programs across a large multifamily portfolio.This position partners with executive leadership, property operations, maintenance teams, human resources, legal counsel, insurance carriers, brokers, lenders, vendors, and third-party administrators to identify and mitigate operational, financial, legal, environmental, and reputational risks. The Risk Manager will establish consistent standards across the portfolio, manage insurance and claims activity, monitor compliance, and promote a strong culture of safety and accountability.Essential ResponsibilitiesEnterprise Risk Management• Develop and maintain a comprehensive risk management program for the company and its multifamily properties.• Identify, evaluate, prioritize, and mitigate risks related to property operations, resident safety, employees, vendors, construction, technology, and business continuity.• Maintain a portfolio-wide risk register and track corrective actions.• Conduct periodic risk assessments and provide recommendations to senior management.• Prepare regular risk reports, trend analyses, dashboards, and presentations for executive leadership.• Establish risk policies, procedures, controls, and performance standards.Insurance and Coverage Administration• Manage the company’s insurance program, including property, general liability, umbrella/excess liability, workers’ compensation, automobile, crime, cyber, directors and officers, professional liability, environmental, and other specialty coverages.• Coordinate annual renewals, exposure submissions, underwriting requests, loss runs, audits, and policy reviews.• Work with brokers and carriers to evaluate coverage adequacy, limits, deductibles, exclusions, endorsements, and risk financing alternatives.• Confirm that properties, vendors, contractors, and business partners maintain required insurance coverage.• Review certificates of insurance and ensure compliance with contractual and company requirements.• Maintain accurate insurance records and distribute coverage information to appropriate stakeholders.• Support lender, investor, joint-venture, and ownership insurance requirements.Claims Management• Oversee the reporting, investigation, evaluation, and resolution of property, liability, workers’ compensation, auto, and other claims.• Ensure claims are reported promptly and handled in accordance with policy requirements and company procedures.• Coordinate with insurance carriers, third-party administrators, adjusters, attorneys, investigators, and property personnel.• Monitor reserves, litigation exposure, settlement recommendations, recovery opportunities, and claim closures.• Maintain accurate claims data and identify recurring causes of loss.• Analyze claims trends and implement corrective measures to reduce frequency and severity.• Ensure preservation of documents, photographs, surveillance footage, maintenance records, incident reports, and other relevant evidence.Safety and Loss Prevention• Develop and administer property safety and loss-prevention programs.• Establish standards for inspections, incident reporting, emergency response, fire and life safety, pool safety, fall prevention, security, and hazardous conditions.• Conduct or coordinate property inspections and risk audits.• Track deficiencies and ensure timely completion of corrective actions.• Provide training to property managers, maintenance personnel, regional teams, and corporate employees.• Review serious incidents and coordinate root-cause analyses.• Promote proactive measures to reduce resident injuries, employee injuries, property damage, crime, and other losses.• Maintain emergency preparedness and business continuity plans.Compliance and Regulatory Coordination• Monitor compliance with applicable federal, state, and local requirements affecting property risk and safety.• Coordinate with legal counsel regarding incidents, claims, litigation, subpoenas, regulatory inquiries, and reporting obligations.• Support compliance with fair housing, accessibility, environmental, landlord-tenant, workplace safety, and privacy requirements as they relate to risk management.• Assist with internal audits, lender reviews, ownership reporting, and regulatory inspections.• Develop and maintain risk-related policies, forms, checklists, and operating procedures.Vendor and Contract Risk• Review vendor and contractor agreements for indemnification, insurance, liability, waiver, and risk-transfer provisions.• Establish minimum insurance and safety requirements for vendors and contractors.• Monitor vendor compliance through certificate tracking and periodic audits.• Partner with procurement, legal, construction, and operations teams on vendor onboarding and contract approvals.• Evaluate third-party risk associated with security providers, maintenance contractors, technology providers, restoration companies, and other critical vendors.Incident Response and Emergency Management• Serve as a key contact during serious incidents, including fires, floods, fatalities, serious injuries, violent crimes, major property damage, environmental events, and other emergencies.• Coordinate with operations, communications, legal, insurance, and executive leadership during incident response.• Maintain emergency response protocols and escalation procedures.• Participate in after-action reviews and implement lessons learned.• Support crisis communications and ensure that communications are coordinated and appropriately documented.Data, Systems, and Reporting• Maintain risk, claims, insurance, incident, inspection, and compliance information in designated systems.• Ensure data integrity, confidentiality, and timely reporting.• Develop key performance indicators and management reports, such as:• Claims frequency and severity• Workers’ compensation losses• Open claims and reserve changes• Property inspection findings• Corrective-action completion rates• Incident-reporting timeliness• Vendor insurance compliance• Insurance costs and recoveries• Safety training completion• Use data to identify trends, prioritize resources, and improve risk outcomes.QualificationsRequired• Bachelor’s degree in risk management, insurance, finance, business administration, safety, real estate, or a related field; equivalent experience may be considered.• Typically 7 or more years of progressive experience in risk management, insurance, claims, safety, real estate operations, or a related field.• Experience supporting a large, geographically dispersed multifamily, commercial real estate, hospitality, construction, or facilities portfolio.• Knowledge of commercial insurance programs, claims administration, loss prevention, and contractual risk transfer.• Experience working with insurance brokers, carriers, third-party administrators, attorneys, and executive leadership.• Strong analytical, organizational, communication, and negotiation skills.• Ability to manage confidential and sensitive information.• Proficiency with Microsoft Office, particularly Excel and PowerPoint, and risk, claims, property management, or compliance software.• Ability to travel regularly to properties and regional offices.Preferred• Experience managing risk for a portfolio of 10,000 or more residential units.• Experience with multifamily property operations, resident incidents, premises liability, habitability claims, construction risk, and workers’ compensation.• Experience with enterprise risk management, business continuity, or crisis management.• Professional designation such as ARM, CRM, CPCU, CIC, CSP, or similar.• Experience with OSHA programs, environmental risk, fair housing, ADA/accessibility, or pool and life-safety programs.• Experience managing self-insured retentions, deductibles, captives, or alternative risk-financing arrangements.• Experience with receiverships, distressed assets, property transitions, or lender-owned real estate is a plus.Core Competencies• Strategic risk assessment• Insurance program management• Claims oversight• Safety and loss prevention• Incident response• Contractual risk transfer• Regulatory and operational compliance• Data analysis and reporting• Cross-functional collaboration• Conflict resolution and negotiation• Sound judgment and discretion• Project management• Attention to detail• Ability to influence without direct authorityPerformance MeasuresSuccess in this role may be measured by:• Reduction in claim frequency, severity, and avoidable losses• Timely and accurate reporting of incidents and claims• Completion of property inspections and corrective actions• Improvement in vendor insurance compliance• Insurance renewal performance and coverage adequacy• Reduction in workers’ compensation costs and lost-time incidents• Completion of required safety and compliance training• Quality and timeliness of executive reporting• Effective handling of major incidents and emergencies• Improved consistency of risk practices across the portfolioWorking Conditions• Combination of corporate-office, property, and remote work.• Regular travel to apartment communities, regional offices, construction sites, and vendor locations.• Occasional evening, weekend, or after-hours availability may be required for serious incidents or emergencies.• Periodic exposure to construction areas, mechanical rooms, maintenance environments, weather conditions, and other property-related hazards.