Jennifer Patten Email and Phone Number

• Support development of, refine and document the underwriting department policies and practices. Develop and promote adoption within the organization of underwriting best practices. • Implement smooth, speedy and efficient workflow in all areas of the underwriting department. • Develop and manage underwriting department specific projects and system enhancements • Assist in research and theory testing of implemented programs and processes.• Develop, optimize and implement processes within the underwriting teams to improve internal and external customer experience• Evaluate and measure implemented process or proposed process for costs and benefits and make recommendations• Monitor the quantity and quality of work performed by the business unit. Accountable for effective implementation of and adherence to established business processes and underwriting rules• Establish and adjust staff and workflows to facilitate the most efficient use of resources and provide the best possible service to internal and external customers• Explain procedural specifics to staff and other business unit managers. Aid in the creation and development of new best practices and procedures. Hold meetings and give presentations to staff and varied Sr Management personnel• Establish and monitor business unit processing standards and performance objectives• Responsible for the employment, coaching, promotion, associate performance evaluation, training, motivation, counseling, and discipline of assigned associates.

• Manage a team of Underwriting associates • Ensures execution of all risk selection controls and processes • Achieve and maintain the level of subject matter expert for all underwriting processes and risk selection controls • Manage work flow and reporting of key performance metrics for their designated team • Identifies and recommends process improvement initiatives • Manages the implementation of new processes, risk controls and related projects that impact the team • Accountable for staffing and on boarding of new associates, as well management of all aspects through the employment lifecycle • Works closely with response center to ensure that processes and procedures are documented appropriately and are being executed upon • Manages projects as assigned

• Reviews and evaluates policy applications, renewals, re-pricings, restrictions, and cancellations to determine risk acceptability and coverage • Works within multiple states underwriting guidelines and state regulations • Performs quality evaluation of data received from 3rd party vendors • Conducts frequent evaluations of the profitability of the portfolio through various reporting • Determines when additional required information is needed to complete the evaluation of the risk • Ensures appropriate premium and coverage are issued by applying appropriate underwriting guidelines and rating plan guidelines • Answers questions regarding underwriting processes and decisions • Assists with special projects

• Examined insurance proposals• Collected background information and assessments of risk for individual files• Analyzed statistical data using specialist computer programs• Manually rated quotes and existing policies and negotiated the terms with brokers and agents• Evaluated and declined excessive risks.

• Manager of a thriving retail business responsible for supervision and monitoring of employees, all store operations which included customer service, opening/closing the facility, deposits, shipping, marketing, merchandising, advertising, sales and clerical duties• Prepared reports after the completion of jobs for Management review• Ensured quality work and monitored work progress• Assisted management team with making marketing decisions by assessing their promotional needs, gathering pertinent data and analyzing the results. • Evaluated demographics, competition, prices, distribution channels and marketing outlets to develop marketing and sales strategies for our existing and future products or services.