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RssWell Trained and Experienced Insurance Underwriter

I enjoy analysis and evaluation of risk and exposure and would like to continue underwriting on behalf of a strong carrier either in a monoline or multiline position, office or field. I am interested in Life, health, property, casualty, liability, and mortgage underwriting. I've had some experience as a personal and home equity loan processor and closer and would welcome similar duties. As an experienced and seasoned insurance professional, I am now in the position where I could do well in a supervisory position.

Insurance Underwriter

Salt Lake City, UT

About Me

Industry:

Insurance

Occupation:

Insurance Underwriter

Highlights:

AICPCU Associate in Risk Management. AICPCU Associate in Underwriting. AICPCU Program in General Insurance. CPCU 500 Fundamentals of Risk Management. CPCU 520 Insurance Operations (registered for). Certificate of completion in PAR training. Prior Life & Health License. Completed several courses from beginning to advanced in Word and Excel through in-house company trainers. Key employee winning my carrier a, "Carrier of the Year" award in 2008 and 2009. Employee of the month. Created an Excel schedule rating form, safety questionnaire, and updated Excel risk analysis tool. Trusted to cover AVP of Underwriting while she was on vacation and business travel. Hit ratios between 10% and 50%. Protected company profitability by holding loss ratios to <60%. Retention upwards of 88%. Have had the opportunity to build a book of business from start up to 9M written premiums. Managed upwards of 568 policy units and established books of business in the 11M written premiums range. Managed agency relationships in the range of 5 up to 50 at various times.

Ideal Companies:

Insurance Carriers
 

Education level:

Bachelor

Will Relocate:

Yes

Location:

Salt Lake City, UT

Major Responsibilities

Specialize in guaranteed cost workers' compensation insurance. Risk modeling using Excel and analysis of frequency, severity, and ultimate loss. Utilize industry manuals to comply with regulatory requirements and make sound judgements. Underwrite new and renewal business for insurance company partners based on underwriting authority and contract guidelines. Underwrite accounts for multiple classes of business. Evaluate, classify, and rate each risk to determine acceptability, coverage, and pricing. Apply appropriate quality underwriting and risk selection on quoted business. Develop and submit underwriting referrals, where required, to company management. Manage relationships with retail agents. Develop and execute marketing plan to drive new business, including in-person visits, telemarketing and distribution of marketing materials. Monitor key metrics, such as, new business hit ratio, renewal retention ratio, premium growth, and loss ratio, formulating corrective action where necessary. Use cutting-edge technology to deliver high quality service to agents and agencies. Mentor and train Assistant Underwriters, as needed. Enter computer data of quotations, binders and related support documents.

Work Experiences

2/2007 - 11/2011

Advantage Workers Compensation Insurance Company

Individual Contributor

  • Risk modeling using Excel and analysis of frequency, severity, and ultimate loss Utilize industry manuals to comply with regulatory requirements and make sound judgements Underwrite new and renewal business for insurance company partners based on underwriting authority and contract guidelines Underwrite accounts for multiple classes of business Evaluate, classify, and rate each risk to determine acceptability, coverage, and pricing Apply appropriate quality underwriting and risk selection on quoted business Develop and submit underwriting referrals, where required, to company management Manage relationships with retail agents Develop and execute marketing plan to drive new business, including in-person visits, telemarketing and distribution of marketing materials Monitor key metrics, such as, new business hit ratio, renewal retention ratio, premium growth, and loss ratio, formulating corrective action where necessary Use cutting-edge technology to deliver high quality service to agents and agencies Mentor and train Assistant Underwriters, as needed Enter computer data of quotations, binders and related support documents

9/2002 - 2/2007

Workers Compensation Fund of Utah

Individual Contributor

  • Excellent problem solving and independent decision making skills Calculate figures percentages and apply basic concepts of mathematics. Provide excellent, timely service to our customers as well as meeting all deadlines required. Interaction with sales, consultants, brokers and customers in a clear, professional manner. Working closely, on a proactive basis, with sales to develop renewal and proposal strategies Price business by applying expertise and judgment in conjunction with company guidelines and underwriting decisions. Evaluate, analyze and form opinions for approving or denying business applications according to business unit standards in a timely manner Gather information as necessary to make sound decisions Respond to internal and external customer inquiries Perform other duties as necessary to support the goals and objectives of the department and business unit Recommend exceptions based on findings Authority to approve loans beyond the organizations guidelines Performs other duties as assigned Evaluated D&B reports Ability to make sound decisions Excellent customer relations and communication skills Accurate with strong attention to detail Working knowledge of a various related software applications, including spreadsheets, word processing, etc.

Education

Skills

Keywords