Michael Mcdowell Email & Phone Number

Dallas, Texas, United States

Dallas/Fort Worth Area

• Ensured underwriting practices, procedures, and products were in compliance with state and federal regulations applicable to Personal Lines insurance.
• Researched and interpreted legislative and regulatory requirements and identified impact to business. Collaborated with affected business areas to develop action plan when changes to forms, systems, or procedures were.
• Developed insurance policy products and coverage forms to achieve underwriting and corporate profitability objectives.
• Composed detailed policyholder notices to explain policy changes in easy to understand terms.
• Developed business requirements for programming system changes and led cross-functional project teams to ensure accurate and timely implementation.
• Composed rate and rule manuals for filing with state insurance departments. Responded to any questions about the filings.

Dallas, Texas, United States

• Identified opportunities to enhance, correct, procure, and develop business systems that improved the efficiency of internal and external users.
• Collaborated with Information Technology (IT) to develop system requirements, test changes, approve implementation, and review post-implementation functionality.
• Developed and implemented procedures for policy processing to meet and support federal, state, industry, internal audit, and Sarbanes-Oxley Act requirements.
• Audited internal processes and provided recommendations and time frames for improving efficiency. Followed up on efficiency once recommendations were in place.
• Retained as expert for the merger of Personal Lines functions for Unitrin Multi-Lines to Kemper. o Ensured there was no disruption to business as 5 regional offices were consolidated into 2. o Point of contact for.

Dallas/Fort Worth Area

• Evaluated Homeowners, Dwelling Fire, Automobile, Watercraft, and Excess Liability lines of insurance.
• Managed multi-million dollar territory to maximize profits and minimize losses.
• Reviewed existing policies for changes in exposures and took appropriate actions to obtain adequate rate or discontinued coverage if the policy no longer met company guidelines.
• Partnered with agents to improve results and reduce agency and company costs.
• Trained and mentored new underwriters to enhance proficiency in a fast-paced, high production office.