Insightful Risk-Manager with experience directing and improving operations through effective employee motivational strategies and strong policy enforcement. Proficient in best practices, market trends and regulatory requirements of industry operations. Talented leader with an analytical approach to business planning and underwriting risks; management of day-to-day problem-solving.
Skills
Strategic Planner/ UnderWriter
State License Insurance Five States
Verbal and written communication
Financial Management
Former U.S. Loan Originator, OPIC.GOV
Certified Notary Public & Signing Agent
Operations Management
Commercial Insurance
Business Growth
Underwriting Processor/Closing Signing Agent
Underwriting Experience
Insurance fraud
Insurance claims analysis
Licensed Insurance Agent
Licensed real estate agent
Security Guard License
Understanding Of Insurance Policies
Customer Service Skills
Analytical Skills
Customer Service Orientation
Case Management
Work History
04/2004 to Current
Manager Director Business Underwriter PLUG THE GAP Consulting Services, LLC – City, STATE,
'Managed over 50 customer calls per day resulting in increased sales by 10%".
Controlled costs and optimized spending via restructuring of budgets for labor, capital assets, inventory purchasing, and technology upgrades.
Evaluated risks, employees' strengths, and assigned tasks based upon experience and training.
Maximized performance by monitoring daily activities and mentoring team members.
Managed company's risks. Identified portfolio risks resulting from client's underlying business practices, underwriting investigations, or fraud exposure.
Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
Evaluated debt ratio, loan-to-value ratios, credit scores property valuations, and various other factors when making underwriting decisions.
02/2022 to 06/2022
License Insurance Underwriter Agent Bankers Insurance – City, STATE,
Risk Manager of 22 years; managed over 300 Independent Contractors for Clients and provided coverage option information to assist clients in protecting assets.
Worked to accommodate new and different insurance requests and explored new value opportunities to optimize insurance agency reputation.
Leveraged knowledge of company insurance products and services to advise customers on appropriate choices.
Attended continuing education courses and workshops to gain additional insurance industry knowledge.
Promoted products and services using upselling and other sales strategies.
Reviewed stop-loss reporting to customer accounts and complied with policies and procedures for release of information.
05/2018 to 11/2020
Commercial Business Underwriter Agent Aflac, Strategic Sourcing & Procurement – City, STATE,
Aggressively generated new business by prospecting, making follow-up calls to customers and contacting referrals.
Presented bids and contracts for potential clients to review during meetings.
Drafted, submitted, and processed sales contracts for orders received.
Attended training sessions on sales skills, product knowledge, technical information, as well as company policies and procedures.
Maintained relationships with existing customers to optimize service quality, business growth, and customer satisfaction.
Demonstrated negotiation skills by closing twenty-seven premium sales monthly and increasing client retention rate by15%.
Used critical thinking to break down problems, evaluate solutions and make decisions
Drove operational improvements which resulted in savings and improved profit margins
Conducted research, gathered information from multiple sources, and presented results
Developed team communications and information for meetings.
Created spreadsheets using Microsoft Excel for daily, weekly, and monthly reporting.
Used critical thinking to break down problems, evaluate solutions and make decisions.
06/2018 to 06/2020
Independent Insurance BrokerThe Giles, Agency, LLC – City, STATE,
Customized existing insurance programs to suit individual client needs by analyzing specific requirements.
Sought out new clients and developed client relationships through networking, direct referrals, lead databases and cold calling.
Explained advantages, features and disadvantages of various policies to promote sale of plans, boosting overall sales 25%.
Analyzed retention, loss ratio trends and sales volume to identify areas for improvement.
Conducted research on insurance packages and investment options to generate client recommendations.
Remained impartial in order to advise clients based on circumstances.
Education
Expected in 05/2001 to to
Bachelor of Arts: Communication Studies & Mass Communications University of Minnesota - Twin Cities - Minneapolis, MN GPA:
Expected in 03/1989 to to
Associate of Arts And Sciences: Radio And Television Broadcasting Brown College - Minneapolis, Minnesota , GPA:
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