Company:

ClaimsPro LP

Field Adjuster, Full-Time, HYBRID (St. John's, NB)

The Independent Adjuster actively adjusts claims while ensuring that business development opportunities are maximized. This involves marketing and follow-up of opportunities in a timely manner. The profile duties create a dynamic portfolio requiring extremely well-honed organizational skills that enable day to day activities to be completed while allowing efficient and effective progress of file management activities.

Qualifications and Experience:

• University degree or post-secondary education related to insurance
• Minimum of 5 years’ experience
• Equivalency in combination of education and experience will be considered.
• Ongoing commitment to education and learning.
• Effective analytical skills, including identification of cause and effect dynamics
• Good investigative manner
• Able to draw valid conclusions and effectively communicate them.
• Ability to interpret complex documents of a legal nature, perform and understand advanced numerical calculations including analysis of comparative information.
• Adjuster’s license, or currently pursuing CIP designation
• Advanced communication skills including:
  • Effective written skills including those of a technical nature
  • Effective oral skills, including listening, interviewing, negotiating, must be able to flex style appropriate to audience.
  • Demonstrated organizational skills with the ability to prioritize and manage conflicting priorities in an effective manner.
  • Proactive and positive approach to customer service ensuring that all inquiries are effectively dealt with in a timely manner.
  • Strong interpersonal skills allowing you to effectively deal with conflict and difficult situations.
  • Strong commitment to ongoing education and learning.

• To succeed in this role, the ideal candidate should have background/experience in Property (residential and commercial), Casualty, and Bodily Injury claims as well as the following competencies;
• Adjuster’s license, or currently pursuing CIP designation
• Proficient with use of Microsoft Office Products (Outlook, Word, Excel, Onedrive)
• Previous adjusting experience preferred
• Advanced communication skills including:
  • Effective written skills including grammar and  those of a technical nature
  • Effective oral skills, including listening, interviewing, negotiating, must be able to flex style appropriate to audience.
  • Demonstrated organizational skills with the ability to prioritize and manage conflicting priorities in an effective manner.
  • Effective communication skills (verbal, written and presentation)
  • Organizational skills
  • Interpersonal skills
  • Relationship Building skills
  • Demonstrated and proven leadership skills
  • Sense of urgency and responsiveness

SCM Insurance Services and affiliates welcome and encourage applications from people with disabilities. Accommodations are available on request for candidates throughout the recruitment and assessment process.

Unsolicited Outreach Statement – Recruitment Agencies

SCM Insurance Services (SCM) and its affiliated companies will not accept unsolicited resume submittals from third- party recruiters and hereby request agencies to not contact SCM employees or managers directly to present candidates.  Be advised SCM will NOT pay a fee for any placement resulting from the receipt of an unsolicited resume and will consider any unsolicited resumes forwarded public information.  SCM welcomes resumes submitted directly from candidates.

Company:

ClaimsPro LP

In-Office Administrative Assistant/ Full-time (Windsor, ON Canada)

Company:

ClaimsPro LP

Claims Adjuster- Transportation Equipment & Cargo, HYBRID (Toronto, ON)

ClaimsPro’s Transportation, Equipment & Cargo (TEC) Unit is seeking seasoned adjusters in Canada to join our growing team. Qualified and interested candidates based anywhere in Canada are encouraged to apply.

Our TEC unit is a dedicated team of experienced professionals offering specialized claims services for the Transportation, Equipment, and Cargo (TEC) industries as they pertain to Collision, Cargo, Total Loss and Salvage Valuations, Environmental Management and Control, Liability and Subrogation Management, Bodily Injury Case Management (BI Tort, Accident Benefits) and CGL Investigations.  TEC specializes in administration of Trust Accounts for fleet operations, providing services in English and French.

The ideal candidate will have at least 5 years of relevant experience with an established client base and proven track record of:

• Marketing directly to insurers, brokers and risk managers

• Superior ability to interpret complex coverage conditions and exclusions

• Superior report writing ability, and proven ability to analyze and present claim data to insurers in an organized and professional manner

• Ability to oversee and direct consultants, appraisers, lawyers, forensic accountants and engineers, and other experts to ensure timely and effective claim resolution

• Additional professional claims related designation such as FCIP, CFEI, CLA, FCIAA, or postsecondary qualification or equivalent national or international designation

• Extensive specialist claim handling experience in: 

  • Physical damage to power units, trailers, equipment and cargo

  • Theft and fraud investigations

  • Environmental impairment related to fuel spills and transport related spills of other pollutants

  • Subrogation

  • Liability and Bodily Injury investigations

  • Accident Benefits

  • Transport related property (warehouses, terminals, maintenance facilities

Managing Complexity with Simplicity – TEC  claims can be complex, involving multiple stakeholders and divergent needs.  Our TEC unit manages this complexity with a simple approach that leverages ClaimsPro’s national network of professional and technological resources. Clients ultimately benefit from a multi-disciplinary team of technical experts who understand the nuances of the markets local to the claim.  Our team is further empowered by iAdjust™, ClaimsPro’s intuitive and innovative claims management technology that simplifies all document administration, handling, and communication.

Managing Complexity with Accessibility – TEC facilitates the claims process, acting as the primary point of contact for all stakeholders.  This minimizes response times and streamlines reporting, allowing clients to develop a comfortable working relationship with TEC, promoting confidence among all parties and ensuring a swift and successful resolution to claims.

The successful candidate can expect a competitive executive compensation package.

Environment/Work Conditions
SCM Insurance Services and affiliates welcome and encourage applications from people with disabilities. Accommodations are available on request for candidates throughout the recruitment and assessment process.

Unsolicited Outreach Statement – Recruitment Agencies

SCM Insurance Services (SCM) and its affiliated companies will not accept unsolicited resume submittals from third- party recruiters and hereby request agencies to not contact SCM employees or managers directly to present candidates.  Be advised SCM will NOT pay a fee for any placement resulting from the receipt of an unsolicited resume and will consider any unsolicited resumes forwarded public information.  SCM welcomes resumes submitted directly from candidates.

Company:

ClaimsPro LP

Remote Communication Specialist/Full-time (Toronto, ON Canada)

As part of the National Business Development team, this role will be critical in managing our communication strategy and enhancing our public image.  You will develop and execute our communication strategy, internally and externally, and manage media relations. This role will develop and implement comprehensive communication strategies that align with the company’s goals and objectives while collaborating with different departments to ensure accurate and timely communication. 

This position is remote and open to the Greater Toronto Area.

Organizational Alignment:

• Reports to the President

Key Performance Factors:

• Supports a centralized focus on relationship management, employee engagement, profitable client growth, customer retention by executing consistent and effective communications
• Supports delivery of revenue targets, new business and organic growth for ClaimsPro through engaging content creating for various platforms and stakeholders.

• Guide and lead SCM’s corporate branding and external communications into such as media releases, news stories, position papers.
• Writing: Provide professional writing and communication in development of ClaimsPro’s product offerings. Write, edit and provide expertise in developing company brochures, case studies, web content, communication materials, including press release, articles, blog posts, employee announcements and social media content. 
• Collaborating with different departments to gather information and ensure accurate and timely communication.
• Media: Develop and maintain relationships with media contacts.  Manage the company’s social media presence including content creation, posting and engagement. Monitor and analyze media coverage, proving regular insights and recommendations for improvement. Monitoring media coverage and public perception and developing strategies to enhance the company’s reputation.
• Internal Stakeholders: Prepare internal communications and presentation for employees and stakeholders.  
• Performance analysis: Track, measure, and report on the effectiveness of marketing campaigns and initiatives to identify strengths and areas for improvement.
• Event coordination: Organize and manage events like workshops, meetings, and trade shows to promote the company’s image and initiatives.
• Performance analysis: Track, measure, and report on the effectiveness of marketing campaigns and initiatives to identify strengths and areas for improvement.
• Event coordination: Lead, organize and manage events like workshops, meetings, and trade shows to promote the company’s image and initiatives. 

• Minimum of 2+ years insurance industry experience.
• Minimum of 5+ years’ communications/marketing experience.
• Bachelor’s degree in communications, marketing, public relations or related field.
• High level of creativity and strategic thinking, with the ability to develop innovative communication solutions.
• Strong time management skills.    
• Knowledge of social media management, digital marketing and SEO practices.
• Excellent oral and written communication skills.

• Positive Team Dynamics
• Project Management
• InnovativeResourceful
• Adaptable
• Analytics
• Self-Management - Working from home
• Organized – planning

Environment/Working Conditions:
SCM Insurance Services and affiliates welcome and encourage applications from people with disabilities. Accommodations are available on request for candidates throughout the recruitment and assessment process.

Unsolicited Outreach Statement – Recruitment Agencies

SCM Insurance Services (SCM) and its affiliated companies will not accept unsolicited resume submittals from third- party recruiters and hereby request agencies to not contact SCM employees or managers directly to present candidates.  Be advised SCM will NOT pay a fee for any placement resulting from the receipt of an unsolicited resume and will consider any unsolicited resumes forwarded public information.  SCM welcomes resumes submitted directly from candidates.

Company:

ClaimsPro LP

À temps plein-Adjoint(e) administratif(ve) (Au bureau)/ (Laval,Montréal ou Brossard QC Canada)

Le poste en bref

Soutenir et aider un ou plusieurs experts dans ses activités quotidiennes en assurant une gamme complète de services de soutien administratif.

Il s'agit d'un poste basé au bureau, Laval, Montréal ou Brossard.

Formation, connaissances et expérience requises

• Sens de l’organisation

• Souci du détail

• Approche axée sur la prestation de services de qualité aux clients

• Capacité de bien communiquer avec autrui, en écoutant activement et en s'exprimant clairement

• Capacité de collaborer efficacement avec ses collègues, grandes habiletés pour les relations interpersonnelles et capacité reconnue de traiter avec tact avec des gens

Responsabilités

• Préparer l'ouverture des dossiers en sinistres et y joindre les documents nécessaires.

• Monter des dossiers pour envoyer aux clients.

• Transcription des documents requis

• Préparer des lettres.

• Préparer des rapports de sinistres sur la direction de l’expert conseil

• Facturer des dossiers

• Faire des photocopies et de la numérisation de documents

• Accomplir différentes tâches générales de bureau telles que répondre au téléphone, effectuer le classement, etc.

Compétences requises pour réussir

• Secondaire V

• Connaissance avancée de l’anglais

• L'expérience de la dictée est un atout

• Excellente connaissance des logiciels MS Office - surtout Word • Vitesse et précision

• Bon esprit d'équipe

Déclaration sur le recrutement non sollicité de candidats - Agences de recrutement

SCM Services d’assurances (SCM) et ses sociétés affiliées n'accepteront pas les CV non sollicités envoyés par des tiers recruteurs et demandent par la présente aux agences de ne pas contacter directement les employés ou les gestionnaires de SCM pour leur présenter des candidats.  SCM NE paiera PAS de frais pour tout placement résultant de la réception d'un CV non sollicité et considérera tout CV non sollicité transmis comme une information publique.  SCM accepte les CV soumis directement par les candidats.

SCM Services d’assurance et ses affiliés accueillent et encouragent les demandes de personnes défavorisées. Les logements sont disponibles sur demande pour les candidats tout au long du processus de recrutement et d'évaluation

_____________________________________________________

Job Description

Support and assist one or more experts in their day-to-day activities by providing a full range of administrative support services.

This is an office-based position.

Training, knowledge and experience required

- Organizational skills
- Attention to detail
- Focused approach to delivering quality customer service
- Ability to communicate well with others, listening actively and speaking clearly
- Ability to work effectively with colleagues, strong interpersonal skills and proven ability to deal tactfully with people.

Responsibilities

- Prepare the opening of claims files and attaches the necessary documents
- Prepare files to send to clients
- Prepare letters
- Invoice files

- Mail processing
- Photocopy and scan documents
- Perform general office tasks such as answering the telephone, filing, etc.

Skills required to succeed

- Secondary V

- English level - Intermediate
- Dictation transcription experience an asset
- Excellent knowledge of MS Office software - especially Word - Speed and accuracy
- Good team spirit

SCM Insurance Services and affiliates welcome and encourage applications from people with disabilities. Accommodations are available on request for candidates throughout the recruitment and assessment process.

Unsolicited Outreach Statement – Recruitment Agencies

SCM Insurance Services (SCM) and its affiliated companies will not accept unsolicited resume submittals from third- party recruiters and hereby request agencies to not contact SCM employees or managers directly to present candidates.  Be advised SCM will NOT pay a fee for any placement resulting from the receipt of an unsolicited resume and will consider any unsolicited resumes forwarded public information.  SCM welcomes resumes submitted directly from candidates.

Company:

ClaimsPro LP

Field Adjuster, Full-Time, HYBRID (Halifax, NS)

The Independent Adjuster actively adjusts claims while ensuring that business development opportunities are maximized. This involves marketing and follow-up of opportunities in a timely manner. The profile duties create a dynamic portfolio requiring extremely well-honed organizational skills that enable day to day activities to be completed while allowing efficient and effective progress of file management activities.

Qualifications and Experience:

• University degree or post-secondary education related to insurance
• Minimum of 5 years’ experience
• Equivalency in combination of education and experience will be considered.
• Ongoing commitment to education and learning.
• Effective analytical skills, including identification of cause and effect dynamics
• Good investigative manner
• Able to draw valid conclusions and effectively communicate them.
• Ability to interpret complex documents of a legal nature, perform and understand advanced numerical calculations including analysis of comparative information.
• Adjuster’s license, or currently pursuing CIP designation
• Advanced communication skills including:
  • Effective written skills including those of a technical nature
  • Effective oral skills, including listening, interviewing, negotiating, must be able to flex style appropriate to audience.
  • Demonstrated organizational skills with the ability to prioritize and manage conflicting priorities in an effective manner.
  • Proactive and positive approach to customer service ensuring that all inquiries are effectively dealt with in a timely manner.
  • Strong interpersonal skills allowing you to effectively deal with conflict and difficult situations.
  • Strong commitment to ongoing education and learning.

• To succeed in this role, the ideal candidate should have background/experience in Property (residential and commercial), Casualty, and Bodily Injury claims as well as the following competencies;
• Adjuster’s license, or currently pursuing CIP designation
• Proficient with use of Microsoft Office Products (Outlook, Word, Excel, Onedrive)
• Previous adjusting experience preferred
• Advanced communication skills including:
  • Effective written skills including grammar and  those of a technical nature
  • Effective oral skills, including listening, interviewing, negotiating, must be able to flex style appropriate to audience.
  • Demonstrated organizational skills with the ability to prioritize and manage conflicting priorities in an effective manner.
• Effective communication skills (verbal, written and presentation)
• Organizational skills
• Interpersonal skills
• Relationship Building skills
• Demonstrated and proven leadership skills
• Sense of urgency and responsiveness

SCM Insurance Services and affiliates welcome and encourage applications from people with disabilities. Accommodations are available on request for candidates throughout the recruitment and assessment process.

Unsolicited Outreach Statement – Recruitment Agencies

SCM Insurance Services (SCM) and its affiliated companies will not accept unsolicited resume submittals from third- party recruiters and hereby request agencies to not contact SCM employees or managers directly to present candidates.  Be advised SCM will NOT pay a fee for any placement resulting from the receipt of an unsolicited resume and will consider any unsolicited resumes forwarded public information.  SCM welcomes resumes submitted directly from candidates.

Company:

ClaimsPro LP

Administrative Assistant - Full-time - In Office (Prince George, BC Canada)

Loss Adjusting is a fast-paced, complex field of insurance with no 2 files quite the same. Whether it be a home fire, a fender-bender, or an injury caused by a major accident, the ClaimsPro team determines coverage, legal liability, and settles claims with excellent customer service.

Salary Range - $35k - $45k per year.

ClaimsPro relies on their Administrative Assistants to support the branch staff and producers in the delivery of quality service to our clients. 

The key focus of the position is to provide effective and efficient administrative support within a fast-paced environment. The position duties include typing, computer work on our internal software program and MS Office (Excel) file coordination and filing, reception duties and may also provide other administrative and clerical support to various branch staff. Other duties as may be required.
 

Responsibilities:

• Set up and preparation of new claims assignments to internal adjusters in accordance with predetermined KPI’s and client guidelines,
• A positive, “can do” attitude and customer service approach ensuring all inquiries are effectively dealt with in a timely manner,
• Professional telephone manner and excellent communication skills both written and verbal.
• Ability to problem solve and work well independently and in a team environment,
• Strong organizational skills with an ability to re-prioritize tasks and manage time effectively,
• Team player and excellent interpersonal skills with ability to interact with all individuals in all levels within the organization,
• Ability to work well under pressure and maintain composure in a fast paced and changing environment,
• Maintaining applicable information and data entry within internal claims management software.
• Sending appropriate client acknowledgements, confirmations and correspondences to clients, claimants, legal representatives and parties involved on various claim files,
• Transcribe data from source documents following generally standardized procedures using coding skills and some judgement for review by the adjuster,
• Collating reports and statements
• Processing client invoicing for claims and prepare files for closure,
• Administrative support to the branch manager and administrative supervisor as needed,
• Reception relief answer phones and forward calls in a timely, professional and efficient manner,
• Other duties as assigned.

Qualifications & Experience:

• Grade twelve diploma
• A post-secondary diploma in Office Administration will be given preference. 
• Previous experience within a dynamic team will be given preference. 
• Experience in an administrative support environment is preferred 
• Any insurance experience would be an asset
• Previously demonstrated ability to execute high attention to detail 
• Demonstrated ability to manage changing priorities and proven organizational skills 
• Demonstrated behaviors showing initiative behaviors and follow-up skills 
• Demonstrated ability to maintain a high level of confidentiality 
• Demonstrated professionalism and work ethic 
• Proven ability to contribute to and work well within a team environment 
• Intermediate experience with Word, and strong Excel skills are required 
• All other computer applications –must have the aptitude and ability to learn as required
• All prospective employees must pass a background check

Environment/Working Conditions:
SCM Insurance Services and affiliates welcome and encourage applications from people with disabilities. Accommodations are available on request for candidates throughout the recruitment and assessment process.

Unsolicited Outreach Statement – Recruitment Agencies

SCM Insurance Services (SCM) and its affiliated companies will not accept unsolicited resume submittals from third- party recruiters and hereby request agencies to not contact SCM employees or managers directly to present candidates.  Be advised SCM will NOT pay a fee for any placement resulting from the receipt of an unsolicited resume and will consider any unsolicited resumes forwarded public information.  SCM welcomes resumes submitted directly from candidates.

Company:

ClaimsPro LP

Expert en sinistres - Sinistres pour assurance Crime et Cyber (Laval, QC)

Company:

ClaimsPro LP

Expert en sinistres - Temps plein (Rouyn-Noranda, QC)

ClaimsPro/IndemniPro est le plus grand cabinet indépendant d’experts en sinistres au Canada. Nous employons plus de 700 experts en sinistres indépendants de partout au Canada. Notre équipe est composée de certains des meilleurs et des plus brillants talents de l’industrie et nous leur donnons les outils, la technologie et le soutien dont ils ont besoin pour exceller dans leur carrière et aider nos clients à atteindre leur plein potentiel.  

Pourquoi devriez-vous envisager une carrière chez IndemniPro ?

Vous ferez partie d’une main-d’œuvre dynamique et vous serez formé à l’utilisation de l’industrie technologie de pointe telle que notre logiciel iAdjust.

En tant que l’une des sept sociétés sous l’égide de SCM Services d’assurance, vous avez le potentiel de faire progresser votre carrière dans une multitude de domaines.

Votre charge de travail est équilibrée et vous serez rémunéré pour vos heures facturables.

Vous aurez droit à une multitude d’avantages tels que le remboursement des frais d’études et un régime de soins de santé et de soins dentaires à prestations flexibles qui vous permet de personnaliser votre couverture.

Vous voulez en savoir plus ? Rendez-vous www.scm.ca ou www.claimspro.ca 

Compétences requises:

• Permis d’expert en sinistres, catégorie 5a

• Minimum 5 ans d'expérience

• Excellentes aptitudes à la communication orale et écrite, tant en français qu'en anglais

• À l'aise dans l'utilisation des outils Microsoft

• Titre PAA un atout

• Bonne gestion du temps

• Permis de conduire valide

 

Responsabilités:

• Travaille en étroite collaboration avec l'équipe d'experts et la direction

• Recueillir la version des faits des assurés/tiers/témoins en les interrogeant avec tact et vigilance selon les normes de qualité de nos clients

• Enquêter sur les faits et circonstances afin de déterminer la cause du sinistre et établir la responsabilité s’il y a lieu

• Constater et déterminer l’envergure des dommages selon les normes de nos clients

• Négocier un règlement équitable et satisfaisant pour toutes les parties en cause

• S’acquitter des tâches qui lui sont confiées conformément aux normes de travail, politiques et procédures établies

• Rencontrer les objectifs de production établies par la direction

SCM Services d’assurances et ses filiales accueillent et encouragent les candidatures de personnes handicapées. Des aménagements sont disponibles sur demande pour les candidats tout au long du processus de recrutement et d'évaluation. Tous les employés potentiels doivent faire l'objet d'une vérification de leurs antécédents.

SCM Services d’assurances (SCM) et ses sociétés affiliées n'accepteront pas les CV non sollicités envoyés par des tiers recruteurs et demandent par la présente aux agences de ne pas contacter directement les employés ou les gestionnaires de SCM pour leur présenter des candidats.  SCM NE paiera PAS de frais pour tout placement résultant de la réception d'un CV non sollicité et considérera tout CV non sollicité transmis comme une information publique.  SCM accepte les CV soumis directement par les candidats.

Company:

ClaimsPro LP

Claims Adjuster, Crime & Cyber Claims, Hybrid (Mississauga, ON)

At BBCG Claim Services, an SCM company, the Claims Adjuster will be responsible for investigating and settling claims related to crime insurance, cyber insurance, professional liability insurance, and directors and officers liability insurance (D&O).

BBCG is Canada’s leading claims adjusting firm specializing in surety and crime insurance. With a strong reputation for successfully carrying out our mandates, our professionals are highly qualified and committed to continuing our tradition of delivering quality service.

One of BBCG’s greatest strengths is the ability to combine the diverse professional expertise of our team members to meet the expectations and requirements of our clients.

Why Join SCM?

 We are proud of our employees — and it shows:

• You will be compensated for your billable hours and benefit from a flexible benefits package tailored to your needs, including options for taxable and non-taxable health care spending;
• You will receive support from a local, experienced team and have access to centralized after-hours support;
• You’ll work with software designed by adjusters for adjusters, maintained and enhanced by our internal team of programmers and designers;
• Your continuing education expenses will be reimbursed.

Visit the SCM or BBCG website to learn more.

Responsibilities:

Manage claims from start to finish on behalf of insurers by performing the following tasks:

• Conduct prompt and thorough investigations;
• Schedule and manage meetings with various stakeholders;
• Provide clients with regular updates on developments, coverage issues, and key elements of the assigned files;
• Draft client reports with recommendations, and explanatory letters to insureds and claimants;
• Deliver exceptional customer service by maintaining strong communication with all parties involved;
• Timely and accurately document all relevant developments, including facts and circumstances of the loss and coverage issues;
• Maintain a calendar to manage claim developments effectively;
• Represent clients in disputes and collaborate with professionals such as lawyers, notaries, engineers, architects, accountants, bankruptcy trustees, and others;
• Manage stakeholder expectations, negotiate settlements, and resolve claims in accordance with client instructions.

Education, Skills, and Experience Required:

• Minimum five (5) years of experience as a claims adjuster in one or more of the following areas: crime insurance, cyber insurance, professional liability, and directors & officers (D&O) liability;
• University degree considered an asset (e.g., law, engineering, accounting), or an equivalent combination of education and relevant experience;
• Licensed claims adjuster or in the process of obtaining a license;
• CIP or FCIP designation considered an asset;
• Excellent written and spoken communication skills in both French and English;
• Strong oral and written communication abilities;
• Ability to perform and interpret advanced calculations, including comparative data analysis;
• Knowledge of accounting principles;
• Ability to adapt to different IT environments; advanced proficiency in Excel and Word is an asset;
• Strong attention to detail, investigative mindset, analytical thinking, and the ability to interpret complex legal documents;
• Strong organizational skills with the ability to prioritize daily tasks for effective time and case management;
• Ability to develop and maintain strong business relationships;
• Ability to work independently with minimal supervision;
• Willingness to travel.

SCM Insurance Services and affiliates welcome and encourage applications from people with disabilities. Accommodations are available on request for candidates throughout the recruitment and assessment process.

Unsolicited Outreach Statement – Recruitment Agencies

SCM Insurance Services (SCM) and its affiliated companies will not accept unsolicited resume submittals from third- party recruiters and hereby request agencies to not contact SCM employees or managers directly to present candidates.  Be advised SCM will NOT pay a fee for any placement resulting from the receipt of an unsolicited resume and will consider any unsolicited resumes forwarded public information.  SCM welcomes resumes submitted directly from candidates.