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Insurance Adjusters, Examiners, & Investigators
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CheckoutCareers.com
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Insurance Adjusters, Examiners, & Investigators
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Investigate, analyze, and determine the extent of insurance company's liability concerning personal, casualty, or property loss or damages, and attempt to effect settlement with claimants. Correspond with or interview medical specialists, agents, witnesses, or claimants to compile information. Calculate benefit payments and approve payment of claims within a certain monetary limit.
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Degrees
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Abilities
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Near Vision| | The ability to see details at close range (within a few feet of the observer). |
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Oral Expression| | The ability to communicate information and ideas in speaking so others will understand. |
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Oral Comprehension| | The ability to listen to and understand information and ideas presented through spoken words and sentences. |
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Written Comprehension| | The ability to read and understand information and ideas presented in writing. |
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Deductive Reasoning| | The ability to apply general rules to specific problems to produce answers that make sense. |
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Inductive Reasoning| | The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events). |
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Written Expression| | The ability to communicate information and ideas in writing so others will understand. |
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Far Vision| | The ability to see details at a distance. |
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Speech Recognition| | The ability to identify and understand the speech of another person. |
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Problem Sensitivity| | The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem. |
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Information Ordering| | The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations). |
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Flexibility of Closure| | The ability to identify or detect a known pattern (a figure, object, word, or sound) that is hidden in other distracting material. |
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Speech Clarity| | The ability to speak clearly so others can understand you. |
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Speed of Closure| | The ability to quickly make sense of, combine, and organize information into meaningful patterns. |
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Time Sharing| | The ability to shift back and forth between two or more activities or sources of information (such as speech, sounds, touch, or other sources). |
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Category Flexibility| | The ability to generate or use different sets of rules for combining or grouping things in different ways. |
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Selective Attention| | The ability to concentrate on a task over a period of time without being distracted. |
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Mathematical Reasoning| | The ability to choose the right mathematical methods or formulas to solve a problem. |
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Originality| | The ability to come up with unusual or clever ideas about a given topic or situation, or to develop creative ways to solve a problem. |
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Fluency of Ideas| | The ability to come up with a number of ideas about a topic (the number of ideas is important, not their quality, correctness, or creativity). |
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Memorization| | The ability to remember information such as words, numbers, pictures, and procedures. |
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Depth Perception| | The ability to judge which of several objects is closer or farther away from you, or to judge the distance between you and an object. |
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Auditory Attention| | The ability to focus on a single source of sound in the presence of other distracting sounds. |
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Number Facility| | The ability to add, subtract, multiply, or divide quickly and correctly. |
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Perceptual Speed| | The ability to quickly and accurately compare similarities and differences among sets of letters, numbers, objects, pictures, or patterns. The things to be compared may be presented at the same time or one after the other. This ability also includes comparing a presented object with a remembered object. |
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Visual Color Discrimination| | The ability to match or detect differences between colors, including shades of color and brightness. |
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Visualization| | The ability to imagine how something will look after it is moved around or when its parts are moved or rearranged. |
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Control Precision| | The ability to quickly and repeatedly adjust the controls of a machine or a vehicle to exact positions. |
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Finger Dexterity| | The ability to make precisely coordinated movements of the fingers of one or both hands to grasp, manipulate, or assemble very small objects. |
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Spatial Orientation| | The ability to know your location in relation to the environment or to know where other objects are in relation to you. |
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Hearing Sensitivity| | The ability to detect or tell the differences between sounds that vary in pitch and loudness. |
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Manual Dexterity| | The ability to quickly move your hand, your hand together with your arm, or your two hands to grasp, manipulate, or assemble objects. |
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Multilimb Coordination| | The ability to coordinate two or more limbs (for example, two arms, two legs, or one leg and one arm) while sitting, standing, or lying down. It does not involve performing the activities while the whole body is in motion. |
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Arm-Hand Steadiness| | The ability to keep your hand and arm steady while moving your arm or while holding your arm and hand in one position. |
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Peripheral Vision| | The ability to see objects or movement of objects to one's side when the eyes are looking ahead. |
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Extent Flexibility| | The ability to bend, stretch, twist, or reach with your body, arms, and/or legs. |
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Glare Sensitivity| | The ability to see objects in the presence of glare or bright lighting. |
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Night Vision| | The ability to see under low light conditions. |
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Rate Control| | The ability to time your movements or the movement of a piece of equipment in anticipation of changes in the speed and/or direction of a moving object or scene. |
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Reaction Time| | The ability to quickly respond (with the hand, finger, or foot) to a signal (sound, light, picture) when it appears. |
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Response Orientation| | The ability to choose quickly between two or more movements in response to two or more different signals (lights, sounds, pictures). It includes the speed with which the correct response is started with the hand, foot, or other body part. |
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Sound Localization| | The ability to tell the direction from which a sound originated. |
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Speed of Limb Movement| | The ability to quickly move the arms and legs. |
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Interests
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Enterprising| | Enterprising occupations frequently involve starting up and carrying out projects. These occupations can involve leading people and making many decisions. Sometimes they require risk taking and often deal with business. |
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First Interest High-Point| | Primary-Rank Descriptiveness |
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Investigative| | Investigative occupations frequently involve working with ideas, and require an extensive amount of thinking. These occupations can involve searching for facts and figuring out problems mentally. |
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Conventional| | Conventional occupations frequently involve following set procedures and routines. These occupations can include working with data and details more than with ideas. Usually there is a clear line of authority to follow. |
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Social| | Social occupations frequently involve working with, communicating with, and teaching people. These occupations often involve helping or providing service to others. |
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Realistic| | Realistic occupations frequently involve work activities that include practical, hands-on problems and solutions. They often deal with plants, animals, and real-world materials like wood, tools, and machinery. Many of the occupations require working outside, and do not involve a lot of paperwork or working closely with others. |
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Artistic| | Artistic occupations frequently involve working with forms, designs and patterns. They often require self-expression and the work can be done without following a clear set of rules. |
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Second Interest High-Point| | Secondary-Cutoff/Rank Descriptiveness |
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Knowledge
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Customer and Personal Service| | Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction. |
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Clerical| | Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology. |
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Computers and Electronics| | Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming. |
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English Language| | Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar. |
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Mathematics| | Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications. |
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Law and Government| | Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process. |
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Education and Training| | Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects. |
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Administration and Management| | Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources. |
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Personnel and Human Resources| | Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems. |
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Communications and Media| | Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media. |
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Sales and Marketing| | Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems. |
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Psychology| | Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders. |
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Therapy and Counseling| | Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance. |
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Medicine and Dentistry| | Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures. |
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Building and Construction| | Knowledge of materials, methods, and the tools involved in the construction or repair of houses, buildings, or other structures such as highways and roads. |
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Production and Processing| | Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods. |
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Economics and Accounting| | Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data. |
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Public Safety and Security| | Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions. |
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Sociology and Anthropology| | Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures and their history and origins. |
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Transportation| | Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits. |
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Telecommunications| | Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems. |
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Biology| | Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment. |
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Geography| | Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life. |
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Chemistry| | Knowledge of the chemical composition, structure, and properties of substances and of the chemical processes and transformations that they undergo. This includes uses of chemicals and their interactions, danger signs, production techniques, and disposal methods. |
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Mechanical| | Knowledge of machines and tools, including their designs, uses, repair, and maintenance. |
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Fine Arts| | Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture. |
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Foreign Language| | Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation. |
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Engineering and Technology| | Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services. |
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History and Archeology| | Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures. |
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Philosophy and Theology| | Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture. |
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Physics| | Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub- atomic structures and processes. |
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Food Production| | Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques. |
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Design| | Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models. |
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Wages
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| District of Columbia | $44,330.00 |
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| North Carolina | $43,060.00 |
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| Virgin Islands | $31,410.00 |
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Related Careers
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Appraisers, Real Estate| | Appraise real property to determine its value for purchase, sales, investment, mortgage, or loan purposes. |
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Criminal Investigators & Special Agents| | Investigate alleged or suspected criminal violations of Federal, state, or local laws to determine if evidence is sufficient to recommend prosecution. |
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Customer Service Representatives| | Interact with customers to provide information in response to inquiries about products and services and to handle and resolve complaints. |
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Eligibility Interviewers, Government Programs| | Determine eligibility of persons applying to receive assistance from government programs and agency resources, such as welfare, unemployment benefits, social security, and public housing. |
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Insurance Appraisers, Auto Damage| | Appraise automobile or other vehicle damage to determine cost of repair for insurance claim settlement and seek agreement with automotive repair shop on cost of repair. Prepare insurance forms to indicate repair cost or cost estimates and recommendations. |
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Licensing Examiners & Inspectors| | Examine, evaluate, and investigate eligibility for, conformity with, or liability under licenses or permits. |
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Purchasing Agents, Except Wholesale, Retail, & Farm Products| | Purchase machinery, equipment, tools, parts, supplies, or services necessary for the operation of an establishment. Purchase raw or semi-finished materials for manufacturing. |
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Skills
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Reading Comprehension| | Understanding written sentences and paragraphs in work related documents. |
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Negotiation| | Bringing others together and trying to reconcile differences. |
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Time Management| | Managing one's own time and the time of others. |
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Persuasion| | Persuading others to change their minds or behavior. |
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Judgment and Decision Making| | Considering the relative costs and benefits of potential actions to choose the most appropriate one. |
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Critical Thinking| | Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems. |
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Active Listening| | Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times. |
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Speaking| | Talking to others to convey information effectively. |
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Writing| | Communicating effectively in writing as appropriate for the needs of the audience. |
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Learning Strategies| | Selecting and using training/instructional methods and procedures appropriate for the situation when learning or teaching new things. |
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Active Learning| | Understanding the implications of new information for both current and future problem-solving and decision-making. |
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Coordination| | Adjusting actions in relation to others' actions. |
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Monitoring| | Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action. |
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Social Perceptiveness| | Being aware of others' reactions and understanding why they react as they do. |
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Service Orientation| | Actively looking for ways to help people. |
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Complex Problem Solving| | Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions. |
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Mathematics| | Using mathematics to solve problems. |
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Instructing| | Teaching others how to do something. |
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Management of Financial Resources| | Determining how money will be spent to get the work done, and accounting for these expenditures. |
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Management of Personnel Resources| | Motivating, developing, and directing people as they work, identifying the best people for the job. |
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Operations Analysis| | Analyzing needs and product requirements to create a design. |
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Quality Control Analysis| | Conducting tests and inspections of products, services, or processes to evaluate quality or performance. |
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Troubleshooting| | Determining causes of operating errors and deciding what to do about it. |
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Science| | Using scientific rules and methods to solve problems. |
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Installation| | Installing equipment, machines, wiring, or programs to meet specifications. |
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Equipment Selection| | Determining the kind of tools and equipment needed to do a job. |
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Technology Design| | Generating or adapting equipment and technology to serve user needs. |
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Systems Evaluation| | Identifying measures or indicators of system performance and the actions needed to improve or correct performance, relative to the goals of the system. |
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Management of Material Resources| | Obtaining and seeing to the appropriate use of equipment, facilities, and materials needed to do certain work. |
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Operation Monitoring| | Watching gauges, dials, or other indicators to make sure a machine is working properly. |
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Systems Analysis| | Determining how a system should work and how changes in conditions, operations, and the environment will affect outcomes. |
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Equipment Maintenance| | Performing routine maintenance on equipment and determining when and what kind of maintenance is needed. |
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Programming| | Writing computer programs for various purposes. |
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Operation and Control| | Controlling operations of equipment or systems. |
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Repairing| | Repairing machines or systems using the needed tools. |
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Tasks
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| Interview or correspond with claimant and witnesses, consult police and hospital records, and inspect property damage to determine extent of liability. |
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| Investigate and assess damage to property. |
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| Examine claims forms and other records to determine insurance coverage. |
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| Analyze information gathered by investigation, and report findings and recommendations. |
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| Negotiate claim settlements and recommend litigation when settlement cannot be negotiated. |
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| Collect evidence to support contested claims in court. |
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| Prepare report of findings of investigation. |
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| Examine titles to property to determine validity and act as company agent in transactions with property owners. |
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| Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims. |
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| Refer questionable claims to investigator or claims adjuster for investigation or settlement. |
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| Obtain credit information from banks and other credit services. |
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| Communicate with former associates to verify employment record and to obtain background information regarding persons or businesses applying for credit. |
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Tools
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| Desktop computers |
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| Measuring wheels for distance |
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| Measure markers |
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| Personal digital assistant PDAs or organizers |
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| Data collectors |
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| Field computers |
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| Handheld computers |
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| Mobile wireless handheld communication devices |
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| Personal digital assistant PDAs |
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| Theodolites |
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| Total stations |
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Technology
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| Access software |
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| CCC EZNet electronic communications network |
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| CSC Automated Work Distributor AWD |
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| Analytical or scientific software |
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| Injury Sciences EDR InSight |
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| Insurance claims fraud detection software |
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| Magnify Predictive Targeting System |
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| Computer aided design CAD software |
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| 4n6xprt Systems StiffCalcs |
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| ARSoftware WinSMAC |
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| CAD Zone Insurance |
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| MapScenes Evidence Recorder |
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| MapScenes Pro |
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| PhotoModeler software |
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| Visual Statement Investigator Suite |
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| Data base reporting software |
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| Corporate Systems ClaimsPro |
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| Data base user interface and query software |
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| Claims processing administration and management software |
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| Document management software |
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| Agency Management Systems AMS 360 |
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| atGlobal Allegro |
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| atGlobal webReports |
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| Autoclaims Direct DirectLink |
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| Automatic Data Processing Autosource |
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| Automatic Data Processing Claims Manager & Dispatch |
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| BCCORP Burkitt W5 |
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| Bramerhill ClaimsTech |
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| Bridium Claims 3 |
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| Brightwork Alyce Claims Systems |
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| Captiva InputAccel |
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| Castek Insure3 Claims |
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| CCC Pathways Image Management Solution |
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| CCC TL2000 Solution |
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| CGI INSideOUT |
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| Clear Technology Tranzax |
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| Covansys ClaimConnect |
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| Datanex ClaimTrac |
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| Hyland OnBase Enterprise Content Management |
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| InSystems Calligo Document Management System |
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| Enterprise resource planning ERP software |
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| CCC Pathways Appraisal Quality Solution |
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| Expert system software |
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| atGlobal webMBR |
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| Axonwave Fraud and Abuse Management System |
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| Bill review software |
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| CCC GuidePost Decision Support |
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| CSC Fault Evaluator |
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| Fair Isaac SmartAdvisor |
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| First Notice Systems ClaimCapture |
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| Hummingbird Legal Bill Review |
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| IBM Fraud and Abuse Management System |
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| ISO ClaimSearch |
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| ISO NetMap for Claims |
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| LexisNexis RiskWise |
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| StrataCare StrataWare eReview |
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| Financial analysis software |
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| Automatic Data Processing Estimating |
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| Automatic Data Processing software |
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| CSC Colossus |
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| Property damage bodily injury, and liability estimation software |
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| QwikQuote software |
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| Simsol for Adjusters |
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| Turtle Creek Software Goldenseal Architect |
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| Information retrieval or search software |
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| CGI-AMS BureauLink Enterprise |
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| Interactive voice response software |
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| Computerized voice stress analyzer CVSA software |
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Career Activities
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| Communicating with Persons Outside Organization |
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| compile information through interviews |
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| interview customers |
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| write business correspondence |
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| Judging the Qualities of Things, Services, or People |
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| assess vehicle damage |
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| Processing Information |
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| calculate insurance premiums or awards |
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| compile evidence for court actions |
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| compile information for court cases |
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| evaluate customer records |
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| Updating and Using Relevant Knowledge |
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| follow contract, property, or insurance laws |
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| follow rules of evidence procedures in legal setting |
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| Processing Information |
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| investigate insurance claims |
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| Updating and Using Relevant Knowledge |
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| use interviewing procedures |
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| use knowledge of investigation techniques |
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| use negotiation techniques |
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| use oral or written communication techniques |
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| Processing Information |
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| verify information for credit investigations |
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| verify investigative information |
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| Making Decisions and Solving Problems |
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| determine liability |
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| make decisions |
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| Evaluating Information to Determine Compliance with Standards |
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| examine evidence to determine if it will support charges |
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| review data on insurance applications or policies |
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| Identifying Objects, Actions, and Events |
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| understand property documents |
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| Documenting/Recording Information |
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| maintain insurance records |
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| transcribe spoken or written information |
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| Getting Information |
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| assist with business or managerial research |
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| gather physical evidence |
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| obtain information from individuals |
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| research property records |
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| review insurance policies to determine appropriate coverage |
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| search legal records |
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| Analyzing Data or Information |
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| analyze credit information gathered by investigation |
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| Performing Administrative Activities |
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| fill out business or government forms |
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| fill out insurance forms |
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| maintain records, reports, or files |
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| prepare reports |
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| write vehicle damage repair estimates |
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| Estimating the Quantifiable Characteristics of Products, Events, or Information |
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| estimate damage |
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| Inspecting Equipment, Structures, or Material |
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| inspect property |
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| inspect property to determine damages |
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| Provide Consultation and Advice to Others |
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| recommend claim action |
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Career Context
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| Contact With Others |
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| Electronic Mail |
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| Letters and Memos |
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| Telephone |
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| Frequency of Decision Making |
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| Deal With External Customers |
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| Spend Time Sitting |
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| Impact of Decisions on Co-workers or Company Results |
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| Indoors, Environmentally Controlled |
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| Face-to-Face Discussions |
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| Work With Work Group or Team |
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| Frequency of Conflict Situations |
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| Deal With Unpleasant or Angry People |
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| Importance of Being Exact or Accurate |
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| Importance of Repeating Same Tasks |
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| Time Pressure |
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| Spend Time Making Repetitive Motions |
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| Freedom to Make Decisions |
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| Structured versus Unstructured Work |
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| Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls |
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| Sounds, Noise Levels Are Distracting or Uncomfortable |
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| Coordinate or Lead Others |
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| Extremely Bright or Inadequate Lighting |
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| Level of Competition |
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| Responsibility for Outcomes and Results |
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| Consequence of Error |
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| Physical Proximity |
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| Responsible for Others' Health and Safety |
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