Well Trained and Experienced Insurance Underwriter

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

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.

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.

1993

Bachelor Degree

Brigham Young University

• Psychology

1986

High School/GED Degree

Taylorsville High School

• GED

Skill	Rating
P&L responsibilities
Presentation
Ecommerce Strategy and digital marketing channels optimization - SEO, SEM, email, affiliates - for high-profile accounts.
Technology Solutions
Sales Support
Software Implementation
Requirements Analysis & Specification
Leadership
Organization
Problem Solver
Customer Service
Exposure Analysis
Risk Modeling
Excel
MS Word
Attention to Detail
Documentation
File Maintenance
Computer Literate
Insurance Terminology
Critical Thinking
Reading Comprehension
Training
Negotiation
Teamwork
Independent Work

underwriter, customer service, risk management, financial, underwriting, clerical, commercial, liability, Excel, MS Word, Insurance, loan processor, loan closer, computer software, problem solver, critical thinking, communication, reading comprehension, insurance terminology