Organized and motivated employee eager to apply time management and organizational skills in various environments. Seeking entry-level opportunities to expand skills while facilitating company growth.
Skills
Developing policies
Negotiation proficiency
Loss prevention
Renewing policies
Data collection
Quoting and pricing policies
Managing risk
Production-oriented
Teambuilding
Time management
Relationship building
Planning
Working collaboratively
Organization
Experience
Insurance Underwriter, 01/2017 - Current Anthem, Inc. – Fayetteville, NC,
Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
Worked with colleagues to review and accept or deny new and renewal business.
Inspected financial statements, credit information and title data to complete underwriting process.
Achieved production goals by developing strong underwriting teams.
Negotiated coverage, policy pricing and service delivery during meetings with customers, agents or brokers.
Reviewed, classified, coded and rated applications to support coworkers during busy periods.
Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
Worked closely with team members to deliver project requirements, develop solutions and meet deadlines.
Prioritized and organized tasks to efficiently accomplish service goals.
Juggled multiple projects and tasks to ensure high quality and timely delivery.
Demonstrated self-reliance by meeting and exceeding workflow needs.
Demonstrated leadership by making improvements to work processes and helping to train others.
Analyzed loan-to-value ratios, debt to income ratios and credit scores to make underwriting decisions.
Leveraged customers' history, industry and demographic information to calculate renewal rates.
Insurance Sales Agent, 12/2012 - 12/2016 Anthem, Inc. – Jefferson City, MO,
Worked hard to learn all required tasks quickly and maximize performance.
Built and maintained working relationships with peers and upper management.
Upheld high standards of productivity and quality in all areas of operations.
Assisted newly hired team members by explaining company procedures and safety requirements.
Interviewed prospective clients to gather information on financial needs and discuss any existing coverage.
Upsold products to policyholders and potential new clients.
Researched and analyzed beneficial insurance and investment options and made recommendations to clients.
Offered policy guidance and management to promote asset protection.
Exceeded company sales goals for new policies.
Provided leadership and training for new agents regarding industry best practices and company policies.
Engaged customers and provided high level of service by carefully explaining details about documents.
Rotated through series of different stations based on team needs.
Analyzed customer needs and provided best options, upselling products and services.
Followed up with customers to check on changing needs and propose new offerings.
Maintained pleasant and cordial attitude at all times, even when issues arose.
Wrote policies, finalized documents and filed paperwork.
Educated and counseled clients about insurance coverage differences and results of decisions to persuasively sell maximum coverage within budget.
Explained features, advantages and disadvantages of various policies to promote sale of insurance plans.
Evaluated customer desires and budgetary constraints to pick best policies.
Communicated with clients by phone and email to answer questions and offer services.
Maintained excellent levels of workplace cleanliness around equipment to enhance safety and productivity.
Increased client retention through loyalty rewards and incentivization program.
Increased data collection accuracy by recording client account information with zero discrepancies.
Reduced financial discrepancies by accurately resolving billing issues while processing applications and cancellations.
Exceeded team goals by partnering with staff to share and implement best practices.
Reviewed coverage plans and strategic initiatives, determining how best to align new offerings with business goals.
Insurance Sales Agent, 01/2005 - 12/2012 First Community Bank – Abingdon, VA,
Interviewed prospective clients to gather information on financial needs and discuss any existing coverage.
Upsold products to policyholders and potential new clients.
Researched and analyzed beneficial insurance and investment options and made recommendations to clients.
Pursued continued professional development through insurance workshops, course and webinars.
Offered policy guidance and management to promote asset protection.
Exceeded company sales goals for new policies.
Gave sales presentations, negotiated contracts and promoted services to customers.
Engaged customers and provided high level of service by carefully explaining details about documents.
Analyzed customer needs and provided best options, upselling products and services.
Followed up with customers to check on changing needs and propose new offerings.
Maintained pleasant and cordial attitude at all times, even when issues arose.
Wrote policies, finalized documents and filed paperwork.
Educated and counseled clients about insurance coverage differences and results of decisions to persuasively sell maximum coverage within budget.
Explained features, advantages and disadvantages of various policies to promote sale of insurance plans.
Communicated with clients by phone and email to answer questions and offer services.
Supported customers with individualized support and broad knowledge of company products to bring targeted services to individuals with varying needs.
Made appointments with potential clients to discuss products.
Reached out to potential clients to schedule appointments.
Weeded out unlikely prospects quickly and redirected time and efforts to potential customers.
Evaluated and pursued sales leads obtained through direct referrals, networking, marketing, cold-calling and lead databases.
Offered information about policy and coverage details.
Kept thorough records of customer details and previous sales.
Fielded inbound calls from customers inquiring about alternative insurance options to generate sales opportunities.
Received underwriting approvals after accurately completing applications for insurance coverage.
Attended continuing education courses to maintain insurance license.
Operated in fast-paced and driven sales environment.
Closed sales on new policies by presenting insurance options to customers accurately and efficiently.
Conducted research to identify ideal coverage options for customers.
Loan Officer, 02/2004 - 01/2005 American General Finance – City, STATE,
Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
Executed loan origination process, including ordering credit reports, appraisals and preliminary title reports.
Educated customers on variety of loan products and available credit options to promote valuable decision-making.
Adhered to all federal and state compliance guidelines relative to retail mortgage lending.
Performed daily maintenance of loan applicant database.
Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
Provided expert financial advice on mortgage and both educational and personal loans.
Researched insurance information and flood certificates.
Spent ample time with each applicant to break down complex information into terms that easy to understand.
Identified valuable solutions for customers with credit problems.
Reviewed credit histories from applicants and determined feasibility of granting requested loans.
Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
Met with applicants to obtain information for loan applications and answer questions about processes.
Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
Education and Training
High School Diploma: , Expected in 06/1999 - South Johnston High School - Four Oaks, NC GPA:
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