• Own and manage the end-to-end P&L across B2B, E-commerce, and Retail channels • Lead monthly, quarterly, and annual forecasting processes • Partner with Commercial, Merchandising, and Channel leaders for performance evaluation • Deliver robust financial analysis and insights on sales, gross margin, inventory, and operating expenses • Monitor and analyze channel KPIs to identify trends, risks, and opportunities • Support and challenge business cases for new store openings and e-commerce investments • Lead variance analysis vs. plan/forecast/prior year • Ensure alignment of financial targets with commercial strategy • Collaborate with Accounting and Shared Services for timely financial close processes • Develop reporting tools, dashboards, and financial models • Contribute to continuous improvement of financial processes and systems • Provide ad-hoc analysis and strategic support to senior leadership

• Support the organization’s financial planning, budgeting, forecasting, reporting, and business analysis functions. • Partner closely with finance leadership and operational teams to provide actionable insights and improve financial performance. • Support the annual budget, monthly forecast, and long-range planning processes across healthcare operations. • Build and maintain financial models related to revenue, provider productivity, patient volume, staffing, operating expenses, and margin performance. • Analyze actual results against budget and forecast, identifying key drivers of variances. • Assist with scenario modeling for provider growth, new locations, service line expansion, payer mix changes, and cost management initiatives. • Prepare monthly financial reporting packages and performance dashboards for leadership.

• Act as a strategic finance partner to senior management, providing high-quality financial insights to support decision-making and long-term value creation • Contribute to the design and execution of the global Nutrition business strategy • Lead monthly forecasting cycles, annual budgeting, and long-term planning processes • Ensure robust month-end closing processes and accurate financial reporting • Analyse and explain variances versus budget, forecast, and prior periods in close collaboration with the business • Deliver monthly sales, profitability, and performance reporting to management • Develop and maintain financial dashboards and Power BI reporting tools to enhance business visibility and KPI tracking • Support Management Board with ad hoc financial analysis and strategic recommendations • Coordinate and enhance transfer pricing processes and insurance policy execution in line with Group guidelines • Monitor treasury-related activities and ensure alignment with financial governance standards • Design, test, and continuously improve reporting frameworks and financial models • Coordinate BtB reporting processes and production reporting packages across stakeholders • Participate in the design and implementation of operational risk management (ORM) structures focused on value creation within the Group

Role Description Penn National Insurance is seeking a Surety & Fidelity Underwriter who will review Surety and Fidelity new business, renewals, and endorsements under limited authority granted by the Vice President - Surety & Fidelity, or in conjunction with authority granted to Senior Underwriters or Territory Managers by the Vice President - Surety & Fidelity. This position utilizes underwriting knowledge and good judgment to recommend company acceptability of accounts, and to evaluate company risk tolerance based on underwriting guidelines and historical company underwriting appetite. This position is remote and the ideal candidate will reside in Iowa, Wisconsin, or Minnesota. Position Competencies - Business Acumen - Results Oriented - Decision Making - Negotiation - Time & Priority Management Essential Duties and Responsibilities - Review new business, renewals, and endorsements to determine acceptability using established company guidelines. - Communicate with agents, and other department personnel regarding risk acceptability, incomplete information, rating and premium processing, etc., under the supervision of a Senior Underwriter, Territory Manager or VP, Surety & Fidelity. - Provide feedback to Commercial Underwriters, Territory Managers and VP, Surety & Fidelity on quality of submissions and interactions with agency personnel. - Visit agencies with Commercial Underwriters, Territory Managers and the VP, Surety & Fidelity to discuss underwriting matters, assist in the development of new business and to strengthen agency relations. - Assist Commercial Underwriters, Territory Managers and VP, Surety & Fidelity with bond requests, file maintenance, and premium processing tasks. - Assist Commercial Underwriters, Territory Managers and VP-Surety & Fidelity with Financial Management System upkeep and related portfolio management duties. - Maintain individual underwriting authority for smaller, less complex accounts. Additional Responsibilities - Keep abreast of current industry developments, losses and rate trends including the development of new products and opportunities. - May review agency performance based on production results, loss ratio results, and other measures and manage the results as part of the underwriting team. - May participate in agent educational meetings. - Applies data to solve common business problems. - Compiles, manipulates and analyses data of varying complexity. - Knowledgeable and proficient about what tools are available for data analysis and when they are appropriate to use. - Performs other duties as may be assigned by Senior Underwriters, Territory Managers and the Vice President, Surety & Fidelity. Special Relationships - Direct contact with various levels of underwriting and claims personnel - Direct contact with agents, Senior Underwriters, Territory Managers and clients - Direct contact with Operations and processing personnel Qualifications - Bachelors degree preferred - Minimum of 1 year experience in underwriting - Knowledge of underwriting and rating of risks - Knowledge of company underwriting standards and philosophy - Knowledge of all Surety & Fidelity coverages - Good math and accounting aptitude - Excellent research, analytical and problem-solving skills - Excellent oral and written communication skills - Good PC skills, with an emphasis on Microsoft Office Suite - Highly organized with an attention to detail Requirements - This position is primarily a sedentary position that requires occasional standing and walking throughout the office environment. - Must be able to perform computer-based tasks and access digital information necessary for job duties, including through the use of assistive technologies. - Must be able to complete computer-based tasks and utilize office equipment as needed to perform essential job functions. - Must be able to access and enter information accurately using automated systems. - Must be able to communicate effectively with internal and external clients using telephone, electronic, or other communication systems. - Must be able to present information to individuals and groups. - Must be able to interpret and apply concepts that may or may not be based upon established guidelines. - Must be able to maintain acceptable attendance and adhere to scheduled work hours. - Must have a valid driver’s license and be able to operate a motor vehicle. - Must be able to travel, with overnight stays required. Benefits - Generous 401(k) match, graded profit sharing, incentive compensation, and a wide range of benefits to support your financial health, physical well-being and career development. - Remote and hybrid work options, flexible scheduling and a “dress-for-your-day” culture. - Employee recognition programs designed to honor your contributions.