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MCCARRELL'S TAX SERVICE
Washington, PA • (0 miles) • Full Time • 9/24/2026
Seasonal Full Time Tax Preparer. January 15th through April 15th, yearly. Must be able to work evenings and Saturdays as well. Experience not required, will need to take tax software classes. Salary based on experience. Retired individuals are welcome to apply.FX Insurance Agency LLC
Washington, PA • (0 miles) • Full Time • 9/12/2026
Job Description:Salary base $36,000-$100,000 with bonusesHybrid/Remote available. Must be in the state of PennsylvaniaPaid Time Off, Health Insurance, Dental Insurance, Vision Insurance, life Insurance, Disability Insurance, Hands on Training, Mon-Fri Schedule, Unlimited Career Growth Opportunities, Retirement PlanAre you looking for more than just a job? Do you want a clear pathway to professional growth, leadership development, and long-term career success?Farmers Insurance is seeking motivated, ambitious individuals to join its Agent Apprentice Program, a unique opportunity designed to develop future insurance professionals and business leaders.This is not a traditional insurance sales position. You'll train in an innovative training facility with access to Farmers industry-leading systLincoln Heritage Life Insurance Company
Indiana, PA • (41.6 miles) • Full Time • 9/5/2026
Life Insurance Sales Agent – Earn up to $2,500+ a week with Exclusive Leads!ContractorDental, Medical$60,000 to $100,000 a yearEarn what you’re worth and get paid in 24 hrs. No cold calling! We can help you get licensed. Are you a motivated and goal-oriented individual looking to make more money than your current job provides? We have the perfect opportunity for you!Weekly Pay: Up to $2,500 – Commission OnlyPosition: Life Insurance SalesCompany: Lincoln Heritage Life Insurance Company®Who We Are: Lincoln Heritage is the largest final expense life insurance company in the U.S. and continues to grow at a record pace. We are looking for sales agents who want to grow with us. For over 60 years, Lincoln Heritage has remained a company by and for sales agents; dedicated to ensuring success throuDiehl Collision Of Washington
Washington, PA • (0 miles) • Full Time • 9/26/2026
Collision Estimator / Auto Body Estimator Diehl Collision of Washington – Washington, PAFull-Time | Automotive Collision Repair | Auto Body ShopExperienced Collision Estimator – Washington, PA Diehl Collision of Washington is hiring an experienced Collision Estimator to join our growing auto body and collision repair team in Washington, Pennsylvania.We're looking for an organized, detail-oriented professional who understands the automotive collision repair process, damage estimating, insurance claims, customer communication, and repair documentation.The ideal candidate can accurately assess vehicle damage, prepare thorough repair estimates, communicate effectively with customers and insurance companies, and work closely with technicians and parts personnel to keep repairs moving efficientlKlapec Auto Body, Powered By VIVE
Cranberry Township, PA 16319 • (41.3 miles) • Full Time • 9/26/2026
Collision Estimator | Competitive Comp | Great Culture | Growth Opportunities Great estimators shouldn't have to do everything themselves.At VIVE Collision, we give our Estimators the people, processes, technology, and support they need to focus on what they do bestbuilding accurate repair plans, communicating with customers, and keeping repairs moving.You'll work alongside experienced technicians, dedicated parts support, and a fully staffed front office while using modern estimating and management systems in a busy, professional collision repair environment.If you're an experienced Collision Estimator looking for a shop where you can perform at a high level without sacrificing quality, we'd like to talk.Why Estimators Choose VIVE Fully staffed front office and dedicated parts supportModHamlin Bank And Trust
Saint Marys, PA 15857 • (25.4 miles) • Full Time • 9/25/2026
Branch Manager/Loan Officer At Hamlin Bank we work asone team. Are you interested in joining a culture that allows for a great deal of autonomy where all employees work towards common goals? Hamlin Bank is seeking a Branch Manager/ Loan Officer to service existing customer needs and provide outreach to future customers. As an integral member of the team, your work has significant impact. This position provides the opportunity to work alongside the current incumbent as a way to start your career with Hamlin Bank. Candidate TraitsCustomer centric individual with attention to detailWorks well as a team, and also as an individual contributorDemonstrates good communication and leadership skillsPrior experience in banking or other applicable experience.Primary Job Duties and Responsibilities ResDave Covato Agency
Indiana, PA 15701 • (41.1 miles) • Full Time • 9/25/2026
The Dave Covato Agency in Indiana, Pennsylvania, is seeking a high-energy Entry-Level Insurance Representative on a fast track to leadership to drive production and scale into a training role. In this role, you will use your sales drive to close business, and champion our agency's commitment to community-focused service. Candidates must hold active Pennsylvania Property Casualty (PC) AND Life Health licenses, with 2+ years of insurance sales experience a major plus. To be considered for this growth opportunity, please submit your resume and complete the online assessment.ResponsibilitiesConnect with prospective clients to explain how our insurance products can protect their most valuable assets.Guide current policyholders through updates to their coverage to ensure they remain properly proThe Atlantic District
East Brady, PA 16028 • (43.6 miles) • Full Time • 9/25/2026
Welcome to The Atlantic District. We are a small but growing insurance office tucked into the heart of East Brady, Pennsylvania. We believe that insurance isn't just about policies and paperwork; it is about being a good neighbor and helping the people in our town sleep a little better at night knowing they are covered. Our office thrives on genuine conversation and a sincere desire to look out for one another. When you join us, you are not just filling a seat; you are becoming the face of our agency for our friends and neighbors. We are looking for someone who enjoys meeting new people, values honesty in business, and finds satisfaction in helping others prepare for the unexpected. Here, you will find a supportive atmosphere where your ideas are valued and your growth is encouraged. If yoCavco Manufacturing LLC
Emlenton, PA 16373 • (43.8 miles) • Full Time • 9/24/2026
ABOUT THE ROLE The members of the accounting job family ensure that Cavco’s financial books and records are appropriately maintained in a timely and accurate manner. They maintain the chart of accounts, general ledger and all subsidiary ledgers. They process accounts receivables and accounts payable as well as maintain lists of authorized vendors. The accounting group works directly with the external auditors and financial reporting to ensure GAAP and SEC compliance.The Cost Accountant Manager is a non-degreed accountant (although accounting degree preferred) supporting the operations with transactional accounting processing and coordination of initiatives supporting plant operations. This role works independently executing process steps, conducting analysis, problem solving and deliveringSummit Business Group
Beaver, PA • (34.9 miles) • Full Time • 9/22/2026
Position: Direct Insurance Sales RepresentativeNumber of Openings: 1 Territory Sales Position AvailableAbout Us:At Summit Business Group, we're not just another insurance agency. We're a powerhouse, committed to delivering top-notch supplemental benefits plans to small and medium-sized businesses. We thrive on strength, resilience, and the drive to succeed. If you're a natural leader who thrives on challenges and wants to be part of a winning team, we want you as our Direct InsuranceSales Representative.The Role: As a Direct Insurance Sales Representative, you will be in control, managing your schedule and driving your success. You'll connect with business owners and key decision-makers, showcasing your ability to understand their needs and offer superior insurance solutions that stand outKeith Folmar - State Farm Agent
Philipsburg, PA 16866 • (41.8 miles) • Full Time • 9/22/2026
Benefits:License reimbursementPaid time off (vacation and personal/sick days)Salary plus commission/bonusSimple IRA$1000 starting bonus once licensedBonus based on performanceCompetitive salaryFlexible scheduleOpportunity for advancementTraining & developmentROLE DESCRIPTION: As Account Manager - State Farm Agent Team Member for Keith Folmar - State Farm Agent, you are vital to our daily business operations and customers’ success. You grow our agency through meaningful customer relations and acting as a liaison between customer needs and agency departments. You improve the lives of our customers by proactively marketing relevant products and services. Grow your career as you better your community. As an attentive, sociable, and sales-minded professional, we are eager to have you on our teaPennhills Resources
Kane, PA 16735 • (31.2 miles) • Full Time • 9/22/2026
Summary: The Assistant Controller will assist the Controller with the preparation of financial statements and other key responsibilities within the company’s accounting department. QualificationsBachelor’s degree majoring in Accounting5-7 years of experience in the Accounting professionExperience with preparing financial statements in accordance with Generally Accepted Accounting PrinciplesProficiency in the use of Microsoft OfficeExperience in public accounting a plusCPA strongly preferredPhysical Requirements:General office settingAbility to have fine manual dexterityLifting up to 25#*Ability to work hours which align with job assignmentsEssential Duties and ResponsibilitiesThe preparation of monthly internal company financial statements in accordance with GAAP, including the preparationDavies Risk Services
Clarion, PA • (27.3 miles) • Full Time • 9/20/2026
Seeking Independent Contractors to Perform Insurance Property Surveys! Davies Risk Services is looking for independent contractors to perform insurance property Surveys.This is a great opportunity for full-time or part-time work. Our contractors survey both residential and commercial properties. The survey includes taking photos of the property, obtaining property details and overall conditions, providing reports in a timely manner and submitting a report online. All Survey reports need to be submitted through the PC/Desktop to include attachments. What is needed to perform Duties: Reliable Car so you can drive to your inspections, Microsoft computer operating Windows 10 or newer, smartphone or digital camera, reliable home internet, Basic Computer and Communication skills. Coverage Area:CCommunity Guidance Center
Indiana, PA 15701 • (41.1 miles) • Full Time • 9/20/2026
Generate billing invoices for multiple programs and multiple insurance companies either in paper format or electronically.Monitor all consumer accounts and prepare claim resubmission when needed. Perform billing functions in compliance with state and other billing regulations.Contact insurance companies regarding rejections, patient coverage, and authorizations pertaining to mental health and drug and alcohol services. Contact managed care and HMO organizations to establish proper guidelines regarding therapeutic and billing procedures.Monitor reimbursement rates from insurance companies for accuracy and compare to the fee schedule and the system.Read updates from insurance companies and track changes received. Notify appropriate personnel of yearly changes in fee schedules or other insuraJackson Hewitt - CON
DuBois, PA 15801 • (7.8 miles) • Full Time • 9/20/2026
Benefits:Earned Wage AccessBonus based on performanceCompetitive salaryEmployee discountsFlexible scheduleOpportunity for advancementSigning bonusTraining & development Calling all Experienced Tax Preparers! Join our team for an exciting seasonal opportunity that offers flexible schedules. Leverage your tax expertise, business background, and knowledge of tax laws to propel you to the next level. You will provide exceptional client service while connecting with clients in a fun, fast-paced environment. Don't miss out on this opportunity to make a difference for the hardest working! ** $150 Sign-On Bonus for new employees! Terms apply **What you need:2+ seasons of previous experience completing individual, trust, and/or partnership tax returnsPassion for providing extraordinary customer serMarion Center Bank
Indiana, PA 15701 • (41.1 miles) • Full Time • 9/18/2026
Description: General ResponsibilitiesResponsible for performing various duties to support the credit analysis function; achieving goals as established in the assigned department's annual operating plan; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for the credit analysis function; communicating with appropriate personnel; responding to inquiries or requests for information; providing guidance and on-the job training to Credit Analyst I(s); maintaining appropriate records and providing assigned reports; performing all duties of a Credit Analyst I, as required.Essential DutiesPerforms various duties to support the credit analysis function of which the following are illustrative:Receives data on prospeJackson Hewitt - COL
Cranberry Township, PA 16319 • (41.3 miles) • Full Time • 9/17/2026
Benefits:Earned Wage AccessBonus based on performanceCompetitive salaryEmployee discountsFlexible scheduleOpportunity for advancementSigning bonusTraining & development Calling all Experienced Tax Preparers! Join our team for an exciting seasonal opportunity that offers flexible schedules. Leverage your tax expertise, business background, and knowledge of tax laws to propel you to the next level. You will provide exceptional client service while connecting with clients in a fun, fast-paced environment. Don't miss out on this opportunity to make a difference for the hardest working! ** $150 Sign-On Bonus for new employees! Terms apply **What you need:2+ seasons of previous experience completing individual, trust, and/or partnership tax returnsPassion for providing extraordinary customer serSpitzer Autoworld
Saint Marys, PA 15857 • (25.4 miles) • Full Time • 9/17/2026
Spitzer GMin St Marysis looking for passionate team members who want to deliver a high level of service to our customers, while growing their career at a top regional employer. The Finance Manager is responsible for coordinating the sale of finance and insurance programs to customers. The Finance and Insurance Manager works with lenders and financial institutions to provide financial services to dealership customers.While you take care of our customers, we will take care of you!FULL-TIME BENEFITS:Flexible work schedule - 5 day work week!GM product training and ongoing training with Spitzer UniversityOpportunities for advancement - we love to promote from within the organization!401K with a 5% employer matchMedical, dental, and vision insuranceGenerous paid time off - 80 hours after 1 yearElizabeth Kepler - State Farm Agent
Clearfield, PA 16830 • (23 miles) • Full Time • 9/16/2026
Position Overview State Farm Insurance Agent located in Clearfield, PA is seeking an outgoing, career-oriented professional to join their team. As a State Farm team member for Elizabeth Kepler - State Farm Agent, you will build and develop customer relationships within the community to promote State Farm products including auto, home and life insurance.Responsibilities Use a customer-focused, needs-based review process to educate customers about insurance options.Work with the agent to establish and meet marketing goals.Develop leads, schedule appointments, identify customer needs, and market appropriate products and services.As an Agent Team Member, you will receive... Hourly pay plus commission/bonusPaid time off (vacation and personal/sick days)Valuable experienceGrowth potential/OpportWest Penn Energy Services
Shelocta, PA 15774 • (43.6 miles) • Full Time • 9/16/2026
About the PositionWest Penn Energy Services is seeking an Accounting Specialist to join our corporate accounting team. This position is full-time, long-term, in-person position working Monday through Friday at our corporate office in Shelocta, PA.The Accounting Specialist supports a variety of accounting functions, including Accounts Payable, account reconciliations, credit card processing, payroll and billing support, and general accounting activities.This position works closely with the accounting and operations teams to ensure transactions and supporting documentation are accurate, complete, and properly recorded. This role will also provide cross-training and backup support for Accounts Payable and Billing to help maintain consistent department coverage and workflow.What You’ll DoAccouAaron Bussard - State Farm Agent
Brookville, PA 15825 • (9.5 miles) • Full Time • 9/15/2026
Benefits:Simple IRALicense reimbursementBonus based on performanceCompetitive salaryFlexible scheduleHealth insuranceOpportunity for advancementPaid time offTraining & developmentROLE DESCRIPTION:As Account Representative - State Farm Agent Team Member for Aaron Bussard - State Farm Agent, you are vital to our daily business operations and customers’ success. You grow our agency through meaningful client relations and acting as a liaison between customer needs and agency departments. You improve the lives of our customers by proactively marketing relevant products and services. Grow your career as you better your community. As an attentive, sociable, and sales-minded professional, we are eager to have you on our team. RESPONSIBILITIES:Provide information about insurance products and servicSharon Pusey - State Farm Agent
Houtzdale, PA 16651 • (33.8 miles) • Full Time • 9/15/2026
Benefits:Simple IRALicensing paid by agencyBonus based on performanceCompetitive salaryFlexible scheduleOpportunity for advancementPaid time offTraining & developmentROLE DESCRIPTION: As Account Manager - State Farm Agent Team Member for Sharon Pusey - State Farm Agent, you are vital to our daily business operations and customers’ success. You grow our agency through meaningful customer relations and acting as a liaison between customer needs and agency departments. You improve the lives of our customers by proactively marketing relevant products and services. Grow your career as you better your community. As an attentive, sociable, and sales-minded professional, we are eager to have you on our team. RESPONSIBILITIES:Develop and maintain customer relationships to drive retention and growthMRINetwork Jobs
Indiana, PA 15701 • (41.1 miles) • Full Time • 9/5/2026
Commercial Lender – Indiana, PAHighland Consulting Group is partnering with a respected, community-oriented financial institution to identify a Commercial Lender for the Indiana market.This is an opportunity for a true relationship banker. Our client has built its reputation by taking a long-term approach with customers and employees alike. The organization combines the stability of an established institution with the flexibility and personal touch often lost at larger banks.If you enjoy being visible in the community, developing meaningful customer relationships, and having the support to serve clients the right way, this may be the opportunity you've been looking for.The RoleThe Commercial Lender will inherit an existing portfolio of commercial relationships while continuing to expand thJake Davis - State Farm Agent
Indiana, PA 15701 • (41.1 miles) • Full Time • 9/3/2026
Benefits:401(k) matchingBonus based on performanceCompetitive salaryHealth insuranceOpportunity for advancementPaid time offTraining & developmentAccount Manager – Sales-Driven Insurance Professional Jake Davis State Farm Full-Time | In-Office Big Personality. Strong Sales Drive. Unlimited Growth Potential. Jake Davis State Farm is seeking a highly motivated, sales-dominant Account Manager who thrives on building relationships, closing opportunities, and growing a book of business. This role is perfect for someone with a strong personality, positive energy, and a natural ability to connect with people while confidently asking for the sale. You will work with both prospective and existing customersconducting coverage conversations, identifying protection gaps, and recommending solutions thaMichael Guelcher - State Farm Agent
DuBois, PA 15801 • (7.8 miles) • Full Time • 8/31/2026
Benefits:Retirement MatchingCompetitive salaryHealth insuranceOpportunity for advancementPaid time offROLE DESCRIPTION: As Sales Producer for Mike Guelcher State Farm, you are vital to our daily business operations and customers’ success. You grow our agency through meaningful customer relations and acting as a liaison between customer needs and agency departments. You improve the lives of our customers by proactively marketing relevant products and services. Grow your career as you improve your community. As an attentive, sociable, and sales-minded professional, we are eager to have you on our team. RESPONSIBILITIES:Develop and maintain customer relationships in insurance and financial services.Consult customers with comprehensive insurance options.Use a customer-focused, needs-based reviInFirst Bank
Punxsutawney, PA 15767 • (16.4 miles) • Full Time • 8/29/2026
InFirst Bank is seeking a personable individual to fill a Teller position for the Punxsutawney Office. Ideal candidates will be able to pay attention to detail, have proficient interpersonal, communicative, sales, reading, writing, grammar, and mathematical skills. They will also have the ability to lift approximately 30 lbs. of coin. It is preferred that the candidate has experience handling cash. The position is responsible for coordinating work within the office and other departments as well as reporting pertinent information to the immediate supervisor. Apply on line at www.infirstbank.bank Equal Opportunity EmployerElizabeth Kepler - State Farm Agent
Clearfield, PA 16830 • (23 miles) • Full Time • 9/24/2026
Position Overview State Farm Insurance Agent located in Clearfield, PA is seeking an outgoing, career-oriented professional to join their team. As a State Farm team member for Elizabeth Kepler - State Farm Agent, you will build and develop customer relationships within the community to promote State Farm products including auto, home and life insurance.Responsibilities Use a customer-focused, needs-based review process to educate customers about insurance options.Work with the agent to establish and meet marketing goals.Develop leads, schedule appointments, identify customer needs, and market appropriate products and services.As an Agent Team Member, you will receive... Hourly pay plus commission/bonusPaid time off (vacation and personal/sick days)Valuable experienceGrowth potential/OpportJackson Hewitt - CON
DuBois, PA 15801 • (7.8 miles) • Full Time • 9/2/2026
Benefits:Earned Wage Access401(k) matchingBonus based on performanceCompetitive salaryDental insuranceEmployee discountsFlexible scheduleHealth insuranceOpportunity for advancementSigning bonusTraining & developmentVision insurance Seeking a job that fits around your life? Look no further! We provide flexible scheduling options, so you can balance work and personal commitments. Embrace the possibilities by adding this side gig or growing a new career at Jackson Hewitt and apply today! If you join our team as a Seasonal Entry LevelTax Preparer, you'll conduct one-on-one tax interviews with clients, start to develop your book of business, and provide exceptional customer service. You will also have the opportunity to expand your skill set with professional development and continual training.Jackson Hewitt - COL
Cranberry Township, PA 16319 • (41.3 miles) • Full Time • 9/2/2026
Benefits:Earned Wage Access401(k) matchingBonus based on performanceCompetitive salaryDental insuranceEmployee discountsFlexible scheduleOpportunity for advancementSigning bonusTraining & developmentVision insurance Seeking a job that fits around your life? Look no further! We provide flexible scheduling options, so you can balance work and personal commitments. Embrace the possibilities by adding this side gig or growing a new career at Jackson Hewitt and apply today! If you join our team as a Seasonal Entry LevelTax Preparer, you'll conduct one-on-one tax interviews with clients, start to develop your book of business, and provide exceptional customer service. You will also have the opportunity to expand your skill set with professional development and continual training. No matter yourJake Davis - State Farm Agent
Indiana, PA 15701 • (41.1 miles) • Full Time • 9/1/2026
Benefits:401(k) matchingBonus based on performanceCompetitive salaryHealth insuranceOpportunity for advancementPaid time offTraining & developmentMultiline Representative – Sales-Driven Insurance Professional Jake Davis State Farm 1009 Philadelphia Street Indiana, PA 15701 Full-Time | In-Office Outgoing Personality. Strong Sales Drive. Real Growth Opportunity. Jake Davis State Farm is seeking a highly motivated, sales-dominant Multiline Representative who brings energy, confidence, and a strong personality to every customer interaction. This role is designed for someone who thrives on meeting new people, building relationships quickly, and confidently turning conversations into closed business. If you are competitive, goal-oriented, and motivated by performance, this is an opportunity to gMichael Guelcher - State Farm Agent
DuBois, PA 15801 • (7.8 miles) • Full Time • 8/31/2026
Benefits:Retirement MatchingCompetitive salaryHealth insuranceOpportunity for advancementPaid time offROLE DESCRIPTION:As Sales Producer for Mike Guelcher State Farm, you are vital to our daily business operations and customers’ success. You grow our agency through meaningful customer relations and acting as a liaison between customer needs and agency departments. You improve the lives of our customers by proactively marketing relevant products and services. Grow your career as you better your community. As an attentive, sociable, and sales-minded professional, we are eager to have you on our team. RESPONSIBILITIES:Create customer accounts and update information in the database.Assist potential customers with policy quotes and inquiries.Process documents and follow up on applications/canceMarion Center Bank
Big Run, PA 15715 • (14.6 miles) • Full Time • 9/17/2026
Description: General Responsibilities Responsible for performing a variety of duties to support the paying and receiving function of the branch office; coordinating work within the office, as well as with other departments; reporting pertinent information to the immediate supervisor; responding to inquiries or requests for information.Essential DutiesPerforms a variety of duties to support the paying and receiving function of the branch office of which the following are illustrative:Greets and serves customers in a friendly and courteous manner; assists customers with various transactions and account changes.Observes suspicious behavior and reports such activity to supervisor or other management personnel.Maintains an awareness of new business opportunities with customers; actively refersJake Davis - State Farm Agent
Indiana, PA 15701 • (41.1 miles) • Full Time • 9/1/2026
Benefits:401(k) matchingBonus based on performanceHealth insuranceOpportunity for advancementPaid time offTraining & developmentAccount Representative – Sales-Driven Insurance Professional Jake Davis State Farm Indiana, PA | Full-Time | In-Office Big Personality. Strong Sales Drive. Real Career Growth. Jake Davis State Farm is looking for a highly motivated, sales-dominant Account Representative who thrives on building relationships, meeting new people, and turning conversations into closed business. This role is ideal for someone with a strong personality, positive energy, and the confidence to lead meaningful coverage conversations. You will play a key role in growing the agency by connecting with customers, identifying protection needs, and recommending insurance solutions that help indMarion Center Bank
Dayton, PA 16222 • (29.8 miles) • Full Time • 9/10/2026
Description: General Responsibilities Responsible for performing a variety of duties to support the paying and receiving function of the branch office; coordinating work within the office, as well as with other departments; reporting pertinent information to the immediate supervisor; responding to inquiries or requests for information.Essential DutiesPerforms a variety of duties to support the paying and receiving function of the branch office of which the following are illustrative:Greets and serves customers in a friendly and courteous manner; assists customers with various transactions and account changes.Observes suspicious behavior and reports such activity to supervisor or other management personnel.Maintains an awareness of new business opportunities with customers; actively refersJake Davis - State Farm Agent
Indiana, PA 15701 • (41.1 miles) • Full Time • 9/19/2026
Benefits:401(k) matchingBonus based on performanceCompetitive salaryHealth insuranceOpportunity for advancementPaid time offTraining & development Customer Retention Specialist – Service, Retention & Account Growth Jake Davis State Farm Agency 1009 Philadelphia Street Indiana, PA 15701-1677 Full-Time | In-Office Build Relationships. Retain Customers. Grow the Book. The Jake Davis State Farm Agency is seeking a Customer Retention Specialist who can deliver excellent service while also helping strengthen and grow relationships within our existing book of business. This role is ideal for someone who enjoys supporting customers, solving problems, and maintaining long-term relationships, while also feeling comfortable identifying coverage needs and introducing additional products when appropria