Insurance Financial Analyst

An Insurance Financial Analyst evaluates the financial performance, capital position, and risk profile of an insurance company. They analyze loss trends, reserve adequacy, reinsurance impact, investment results, and regulatory requirements to support strategic planning and financial stability.

Core Responsibilities

• Analyze financial statements, statutory filings, and quarterly results
• Evaluate loss ratios, expense ratios, and combined ratio performance
• Assess reserve adequacy and monitor reserve development
• Model the financial impact of reinsurance programs and capital strategies
• Prepare reports for senior leadership, regulators, and rating agencies
• Support budgeting, forecasting, and long‑range planning
• Ensure compliance with statutory, GAAP, and regulatory requirements

Key Skills

• Strong financial and analytical skills
• Understanding of insurance accounting and statutory reporting
• Ability to interpret loss trends and portfolio performance
• Proficiency with spreadsheets, BI tools, and financial models
• Clear communication of complex financial concepts

Common Designations

• ARe — Associate in Reinsurance
• ARM — Associate in Risk Management
• CPCU — Chartered Property Casualty Underwriter