Insurance & Risk Analyst

Do your Best Work in Mooresville
This position is based at our headquarters in Mooresville, North Carolina. Our corporate office is a space where you can collaborate and do your best work. Take a walk, grab a bite (or a cup of coffee), work out or get a check-up - we invest in you so you can find your inspiration.
Your Impact
The Insurance & Risk Analyst supports the Company's insurance and risk management programs through the collection, validation, reconciliation, and analysis of exposure, financial, and insurance data. This role partners with internal stakeholders and external insurance partners to support annual insurance renewals, maintain accurate exposure and policy information, administer key insurance processes, and provide meaningful analysis that supports risk-informed business decisions. The position requires strong analytical capabilities, advanced Excel skills, attention to detail, and the ability to manage complex data across multiple systems.
What You Will Do

• Collect, validate, and prepare underwriting and exposure data for Lowe's annual insurance renewals, supporting the accurate quantification and presentation of the Company's risk exposures to insurers.
• Perform quarterly reconciliations of Lowe's property schedule, including locations and values, to maintain accurate and complete exposure information.
• Consolidate and reconcile monthly fleet data for Lowe's and ADG, identifying changes, discrepancies, and trends in vehicle exposures.
• Partner with HR and finance to obtain annual payroll data and perform comprehensive year-over-year analysis of payroll exposures.
• Review and process insurance renewal invoices through Lowe's financial systems, validating amounts and obtaining appropriate approvals.
• Maintain the Company's insurance policy inventory by tracking policy receipt, documenting key policy details in the master insurance database, and maintaining organized electronic records in the shared drive and eDocs.
• Conduct quarterly reviews of newly onboarded vendors across multiple Lowe's platforms; collect and organize Certificates of Insurance (COIs), vendor contact information, and supporting risk documentation.
• Support third-party COI requests and serve as backup coverage for the insurance department mailbox, coordinating responses with internal stakeholders and insurance partners as needed.
• Research, analyze, and prepare supporting materials for insurance underwriting meetings and renewal presentations.
• Support administration of Lowe's corporate bond program and serve as backup for bond-related activities, including documentation, tracking, and coordination with internal and external partners.
• Perform ad hoc risk, insurance, financial, and exposure analyses to support risk management initiatives and business decisions.
• Maintain a high level of accuracy and attention to detail when analyzing insurance, exposure, and financial data; utilize advanced Excel capabilities to reconcile, analyze, and report complex datasets.

Minimum Qualifications

• Bachelor's degree in business, finance, risk management, economics or related field or equivalent years of experience in lieu of education requirement, if applicable
• 4 years of experience in insurance, risk management or a related corporate function
• Strong analytical and problem-solving skills with the ability to review, reconcile, and interpret large or complex datasets
• Demonstrated attention to detail and accuracy, particularly when working with financial, exposure, insurance, or operational data
• Ability to identify data discrepancies, trends, and changes in exposure information and communicate findings clearly

Preferred Skills/Education

• Corporate paralegal experience
• Lowe's finance or accounting experience

About Lowe's
Lowe's Companies, Inc. (NYSE: LOW) is a FORTUNE® 100 home improvement company with total fiscal 2025 sales of more than $86 billion. Lowe's employs approximately 300,000 associates and operates over 1,750 home improvement stores, 540 branches and 120 distribution centers. Based in Mooresville, N.C., Lowe's supports the communities it serves through programs focused on creating safe, affordable housing, improving community spaces, helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need. For more information, visit Lowes.com .
Lowe's is an equal opportunity employer and administers all personnel practices without regard to race, color, religious creed, sex, gender, age, ancestry, national origin, mental or physical disability or medical condition, sexual orientation, gender identity or expression, marital status, military or veteran status, genetic information, or any other category protected under federal, state, or local law.