Conduct risk assessments and analysis of complex operations and occupancies for middle market commercial accounts. Consult with Arbella underwriters, agents, and insureds in analyzing multiple commercial lines including automobile, general liability, property, workers compensation, and inland marine exposures for both existing insureds as well as prospective accounts. Develop risk management programs and recommendations that are effective in controlling the frequency and severity of losses for Arbella Insureds. Conduct consultative surveys, weather readiness assessment, prepare safety analysis reports, and develop detailed service plans to minimize loss exposure.

As a Loss Control Consultant my primary focus is loss prevention and assisting insurance companies in managing their risk of loss. My duties include scheduling with policy the holder(s) or property manager to conduct interior/exterior inspections of residential and commercial properties. Identify, photograph, and explain any property or liability hazards. I conduct thorough inspections of high-risk properties such as restaurants, auto body shops, and garages. Ensure all required fire inspection tags are current for commercial kitchens and auto body shop’s automatic extinguishing systems (AES). Inspect wet and dry fire sprinkler systems and fire extinguishers. Make recommendations to improve the risk as needed to lower the potential of a loss being incurred. I also measure buildings to ensure accurate square footage and complete dwelling sketches to calculate replacement cost by using RCT software and simultaneously determining building materials used in construction. Ensure all inspections are completed in a timely manner. I work independently with little to no supervision and multitask every day. Time management is a critical component to completing the assigned workload. I have used numerous online submission portals for submitting completed reports. I have completed inspections for over 60 different insurance companies with varying levels of risk: Narragansett Bay Insurance, USSA, Met Life, Lexington, Universal Property and Casualty, Lloyd’s of London, Evanston Insurance Company, Avondale Insurance Associates, Nautilus Insurance Company, Central Mutual Insurance, Norfolk & Dedham Group, Vermont Mutual Insurance, Union Mutual Insurance, Coastal Agents Alliance, Alterra Excess & Surplus Insurance, Canopius US Insurance, Ironshore Specialty Insurance Group, Arbella Insurance Company, Liberty Mutual and others.

I have 13 years of experience in various sectors of the financial industry. My focus on business has helped me achieve great success in the past. I strived to help financial advisors grow their book of business by reducing risk and improving returns so that their clients can achieve their financial goals. I believe in developing long-lasting relationships built on trust with his clients. I believe that volatility provides a window of opportunity for investors and that building portfolios that can take advantage of this opportunity is important to achieving the financial goals of clients. Additionally, minimizing downside risk is critical to designing a portfolio strategy that works and that clients can stick with in reaching their investment goals.

As an Independent Insurance Agent, I developed relationships in my natural market to sell health and life insurance products. I worked with lead generating services to develop a marketing strategy to meet with individuals that needed health, life, and LTC insurance. I worked with various insurance companies and generated illustrations for permanent life insurance products. I help determine the most suitable insurance product for my clients using a need-based process and analyzing the different insurance options that were available.

I developed relationships in my natural market to identify potential clients. Acquired industry and insurance product knowledge. Conduct retirement dinner seminars for prospects. Help facilitate the process flow for insurance policies. Open up individual IRA accounts for customers using a dollar cost averaging method to help the clients achieve their retirement goals. Market to business owners to provide insurance benefits and retirement planning for them and their employees.

I developed new and strengthen old relationships by marketing Equity Service’s loan programs to Maryland and Virginia mortgage brokers. Train loan officers and processors for electronic file submission and provide technical support for trouble shooting point of sale software, company website and AUS systems. Use extensive knowledge of underwriting guidelines (FHA, VA, Fannie Mae, and Freddie Mac) to determine suitable loan program for qualified candidates and ensure mortgage brokers were in compliance with regulations.

I continuously develop a better book of business by marketing, training, and providing value added services to Maryland mortgage brokers. In addition to having extensive underwriting guideline knowledge of FHA, VA, Fannie Mae, and Freddie Mac products, I conducted product presentations to train loan officers on complex mortgage programs such as Pay Option ARMs and Alt A loans. Facilitate procedural and file submission training for processors using web-based origination software. Analyze credit reports, income documentation, applications, and supporting documentation to determine borrower product eligibility

I focused marketing efforts on WAMU’s signature product, the Pay Option ARM, to Maryland mortgage brokers through networking and referrals. I had an integral role in the introduction of government lending to WAMU through the acquisition of PNC Mortgage, Inc. Ensure government loan submissions from mortgage brokers were in compliance with FHA and VA guidelines. Provide business partners with non-branded marketing material and the training tools needed to effectively close mortgage transactions. Facilitate seminars to teach loan officers and processors to use WAMU’s proprietary “Optis” web-based submission and origination system, also provided technical support.