▪️ Assess and underwrite small commercial insurance applications, ensuring alignment with company underwriting guidelines.▪️ Conduct in-depth risk assessments by analyzing financial statements, loss history, and relevant documentation.▪️ Collaborate with agents and brokers to gather information and address inquiries, facilitating a smooth underwriting process.▪️ Successfully removed an out-of-appetite account from the books by non-renewing it after completing a thorough review and requesting additional information, resulting in a significant increase in premium.▪️ Exceeded production and quality goals within a year, despite being in training for 4 months. Proactively researched and collaborated with team to achieve results, earning praise from manager for coachability.

▪️ Applied investigative and analytical skills to oversee wind and hail claims of varying complexity across multiple jurisdictions; maintained state licensing and completed required claims certification training. ▪️ Utilized time management skills to efficiently verify coverage and close claims; managed a high volume of incoming claims during catastrophic events, delivering exceptional customer service.▪️ Collaborated with Special Investigative Unit, Subrogation, and other business units for claim resolution.

▪️ Owned and operated multiple e-commerce shops and websites specializing in apparel, handmade products, and home decor.▪️ Implemented marketing and sales strategies, managing the entire customer transaction process from order receipt to fulfillment.▪️ Negotiated pricing and quantities with vendors and suppliers, utilizing strong customer service skills to resolve issues.

▪️ Processed qualifying risks, ensuring quote and policy transactions were accurately recorded.▪️ Research and performed pre-underwriting activities, including rate selection and data entry for pricing and reporting.▪️ Communicated with Account Managers to obtain necessary information for transaction completion.

▪️ Developed strong relationships with stakeholders and department leadership, identifying process improvement opportunities through Targeted Listening Studies.▪️ Created and proposed topics for Targeted Listening Studies, engaged peers through monthly breakout sessions, and served as Employee Opinion Survey (EOS) Ambassador.▪️ Completed 2018 Q4 and 2019 Q1 Regulatory Underwriting Compliance Audits for the Personal Lines Underwriting organization.

▪️ Conducted electronic audits across various departments, utilizing underwriting knowledge to ensure accuracy.▪️ Supported the deployment of the Liberty Management System by providing guidance based on prior experience.

▪️ Directed 15 Underwriting Technicians in processing transactions, promoting continuous improvement, professional development, and employee engagement. ▪️ Spearheaded the successful migration of workflows to Policy Support, reducing handoff time, increasing consistency, and achieving expense savings.▪️ Managed monthly coaching sessions, performance issues, and hiring campaigns to maintain a high-performing team.

• Utilized broad scope of industry knowledge toward analyzing and researching prospective clients to determine eligibility within insurance markets, including working with territory management to establish and build relationships with agents in assigned territory and reviewed existing accounts to ensure profitable book of business.

• Strategically steered comprehensive investigations to determine coverage for moderately complex property claims, including actively collaborating with field appraisers in estimating damages while controlling costs to company.• Contributed solid interpersonal relations talents toward providing superior service to customers and partners.

• Capitalized on the opportunity to underwrite and price accounts to support strategic direction and increase business group presence in market, including developing productive relationships with agency personnel and internal staff to deliver client services, as well as collaborating with business units to attain cross-sales opportunities.• Led coverage discussions and identified situations to provide training and conversations with account executives.

• Exhibited strong communication skills toward proactively identifying client needs while providing quality customer service in the processing of core Personal Lines Auto, Homeowners, Motorcycle, Watercraft, and Umbrella policies.• Demonstrated experience in completing new policy applications, policy changes, and payment transactions, along with resourcefully performing monthly account analysis to identify upsell opportunities that benefited customers.• Identified client needs and provided outstanding customer service. Completed policy change and payment transactions. Identified upselling opportunities and improvements that benefited customers.

Drove operations success by objectively investigating and evaluating onsite property damage claims in accordance with policies and best practices, including using Xactimate to estimate damages and expediting closure of claims. Expedited closure of claims following catastrophe in Florida.• Earned “Perfect 10” award for superior customer satisfaction ratings.• Received Elite Performer award for Immediate Settlement Unit. • Exceeded performance metrics and provided exemplary customer service.

• Applied strong leadership talents toward directing a team of 22 representatives in improving high-quality underwriting processes, including conducting monthly coaching and feedback and ride along observation sessions.• Conducted monthly quality reviews to identify coaching opportunities, process improvement, risk assessment and loss cost reduction through trending analysis.• Proactively participated on audit team to reconcile procedures for peer and direct reports and drive core efficiencies.

• Played a vital role in providing on-site surveys and specialized customer service to personal property lines to mitigate losses to both customers and companies, along with completing property inspection reports and risk evaluation opinions to select, price, and retain profitable business and handling new hire training sessions.