Internship Vendor Risk Analyst Jobs in Frederick, MD

Risk and Insurance Manager - Real Estate/Multi-Family Property Management
The Risk and Insurance Manager is responsible for supporting the administration, implementation, and ongoing management of the Company’s risk management, insurance, safety, and claims programs. This role focuses on identifying, evaluating, and mitigating risk exposures across the organization, with an emphasis on managing, obtaining, securing, and renewing insurance coverages across all business operating lines.  This role will also be engaged in claims oversight, safety compliance, contractual risk transfer, and regulatory adherence. This role partners closely with company leadership, property teams, consultants, insurance representatives, and clients to implement and maintain effective risk management programs. This position coordinates accident investigations, safety inspections, insurance claim management, and safety training initiatives while ensuring compliance with Federal, State, and local regulations.  In addition, the Risk and Insurance Manager conducts weekly Quality Assurance inspections at assigned properties to ensure all safety protocols, operational standards, insurance loss-control recommendations, and compliance requirements are consistently followed.
This is not a remote role, and will work daily to the company's Gaithersburg, MD headquarters.
ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Assist in the development and execution of risk management plans and programs that identify, measure, monitor, and mitigate operational and financial risks across the organization.
2. Manage and administer the Company’s insurance programs, including workers’ compensation, general liability, property, automobile, umbrella/excess liability, flood, storage tank, public officials, and related coverages.
   • Coordinate policy renewals, endorsements, certificates of insurance, and billing allocations.
   • Partner with insurance brokers and carriers on coverage analysis, exclusions, and loss control initiatives.
   • Support clients with insurance program recommendations including budgets, deductibles, limits, and coverage structures.
3. Oversee all incidents and insurance claims from intake through resolution, including:
   • Coordinating investigations
   • Submitting and tracking claims
   • Communicating with carriers, adjusters, legal counsel, property teams, and clients
   • Participating in negotiations and settlements
   • Analyzing claims data to identify trends and prevention opportunities
4. Review contracts, RFPs, bids, and vendor agreements to ensure appropriate insurance and risk-transfer provisions are included. Review Certificates of Insurance to confirm compliance with contractual requirements.
5. Develop and implement preventative safety programs and safe work practices aligned with Company standards and regulatory requirements. Conduct regular safety and hazard training sessions and collaborate with departments to establish safety goals.
6. Assess and monitor environmental and health-related risks including asbestos, lead-based paint, mold, radon, and carbon monoxide exposure in residential properties. Conduct site visits and provide recommendations for mitigation and compliance.
7. Support the development and maintenance of emergency preparedness, disaster recovery, and business continuity plans.
8. Conduct weekly Quality Assurance inspections at assigned properties to evaluate compliance with safety protocols, OSHA standards, insurance loss-control recommendations, and Company operational policies. Prepare written inspection reports, identify deficiencies, require corrective action plans, and track remediation to completion.
9. Maintain accurate records of incidents, claims, inspections, and compliance documentation.
10. Perform other duties, projects, tasks and assignments as directed by management.

1. Strong knowledge of risk management principles including risk avoidance, reduction, transfer, and acceptance.
2. Working knowledge of property and casualty insurance and workers’ compensation programs.
3. Understanding of Federal and State laws related to workplace safety, personal injury, and property liability.
4. Experience working in residential housing, multi-family property management, and/or real estate operations preferred.
5. Ability to analyze risk exposures and recommend practical mitigation strategies.
6. Strong organizational and project management skills.
7. Ability to collaborate effectively with internal teams, insurance professionals, contractors, and clients.
8. Excellent written and verbal communication skills.
9. Proficiency in Microsoft Office (Word, Excel, Outlook, Teams, SharePoint, PowerPoint, etc.) and data tracking systems.

• The position requires regular office work and frequent property site visits. The employee must be able to sit, stand, walk properties, climb stairs, and lift up to 20 pounds as needed. While performing the duties of this job, the employee is regularly required to talk or hear.  The employee frequently is required to sit; use hands/fingers to manipulate/type/write, handle, or feel, including extensive work on a computer; and reach with hands and arms.  The employee is occasionally required to stand; walk; climb or balance; stoop, kneel, crouch, or crawl; and smell.  The employee must occasionally lift and/or move up to 20 pounds.  Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.
• The role may involve exposure to construction areas, maintenance operations, environmental conditions, and emergency response situations.
• The primary schedule is Monday–Friday; however, flexibility is required to respond to incidents, emergencies, or after-hours property needs when necessary.
• The work environment characteristics described here are representative of those and employee encounters while performing the essential functions of this job.  When in the company's corporate office, this is an office environment.  While performing the duties of this job which coincide with visits to property sites, the employee may occasionally be exposed to wet and/or humid conditions; moving mechanical parts; high, precarious places; fumes or airborne particles; toxic or caustic chemicals; outside weather conditions; extreme cold; extreme heat; risk of electrical shock; and vibration.  The noise level in the work environment is usually moderate. The primary schedule is Monday-Friday from 8:30-5:30; schedule may shift to start earlier, end later, or involve weekend work based on business needs.  Incumbent is expected to exercise appropriate judgment in adjusting their own schedule to shifting property operational demands.
• Must be reachable at all times via phone when not at work for emergency consultation or on-call support, except during approved time off with pre-planned alternative arrangements.  May be expected to report to properties as needed, including before or after-hours or on weekends, for emergencies such as a fire, flood or other types of situations which may involve insurance claims.

LANGUAGE SKILL:  Advanced English fluency in reading, comprehension, reasoning, writing, and speaking is required.  Ability to read, analyze and interpret the most complex documents.  Ability to respond effectively to most sensitive inquires or complaints, and to communicate with internal and external stakeholders at all levels (including residents, clients, insurance brokers and company representatives, etc.).  Ability to write speeches and articles using original or innovative techniques or style.  Ability to make effective and persuasive verbal speeches and presentations on controversial or complex topics to top management, public groups, and/or boards of directors.
MATHEMATICAL SKILLS:  Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of budgeting, mathematical risk analysis, and bidding and reviewing programs.  Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
REASONING ABILITY:  Ability to apply principles of logical or scientific thinking to a wide range of intellectual and practical problems.  Ability to deal with nonverbal symbolism (formulas, scientific equations, graphs & charts, etc.) in its most difficult phases.  Ability to deal with a variety of abstract and concrete variables.
This role is exempt and has an anticipated annual pay range of $100k-$120k for a new employee depending on a number of relevant factors including individuals’ experience, qualifications, knowledge, skills, abilities, client/property or company budgetary limitations/guidelines, and other job-related company and market considerations.  This position may be eligible to receive discretionary and/or performance-based bonuses on a spot or annual basis, which are variable depending on individual merit/performance, budgetary limitations, company performance, and other job-related factors.  This non-exempt role will be eligible for overtime for all hours worked in excess of 40 per week.  Full-time positions (30+ hours/week) are eligible for 2 weeks paid vacation, 1 week sick leave, 11 paid holidays, and health & welfare benefits as outlined on the Company’s website.  To learn more about our company and our benefits, go to: https://pratumco.com/careers/
Pratum Companies is committed to a diverse workforce and is an Equal Opportunity Employer.
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