Managed a full-service underwriting team handling small employers (1 to 50 employees) located in the Northeast. Staff of 43 with 3 direct reports. Operating budget of $2.8 million.• Designed the underwriting team from the first employee. Based on sales growth, the team grew to 43 individuals within five years to support service level requirements.• Maintained an open door policy with eye on team building, motivation and personal development. Positive results illustrated in the… Show more Managed a full-service underwriting team handling small employers (1 to 50 employees) located in the Northeast. Staff of 43 with 3 direct reports. Operating budget of $2.8 million.• Designed the underwriting team from the first employee. Based on sales growth, the team grew to 43 individuals within five years to support service level requirements.• Maintained an open door policy with eye on team building, motivation and personal development. Positive results illustrated in the annual company wide employee survey. 100% survey participation by the team in the past three years with results improving each year.• Developed underwriting guidelines for each state in the northeast keeping the financial risk to a minimum while adhering to the small group reform laws of each state.• Maximized performance results handling increased sales and retention activity while working under budget constraints. Initiated the process of handling production via electronic submission, effectively reducing the handling time of the end to end process of underwriting.• Created internal workflows to maximize productivity and partner with other functional departments within Aetna to develop end to end process with productivity improvements of 40%.• Modified workflows and distribution channels for external customers/clients utilizing rating tools and electronic connectivity to streamline processes, increase sales and improve retention. End to end handling improved from 8 days to less than 2 days.• Deliver new products to multiple markets as a member of a project team. Managed the implementation from the client perspective and the withdrawal of the expired products including required state notification. Show less

Supervised enrollments submitted on behalf of a specific book of business. Managed a team handling the reconciliation of premium submission minimizing the write-off dollars and maximizing the premium dollars received.• Coordinated the monthly premium reconciliation for group health policies.• Partnered with clients to resolve eligibility problems and concern. Communicated with the field on status of groups.• Teamed with management in assessing the financial status of… Show more Supervised enrollments submitted on behalf of a specific book of business. Managed a team handling the reconciliation of premium submission minimizing the write-off dollars and maximizing the premium dollars received.• Coordinated the monthly premium reconciliation for group health policies.• Partnered with clients to resolve eligibility problems and concern. Communicated with the field on status of groups.• Teamed with management in assessing the financial status of groups and provide information for the needs assessment on a monthly basis. Assisted in calculating bad debt reserves.• Created workflow processes to insure integrity of data and maintained service levels within standards set by management. Show less

Led team of underwriters who completed health proposal requests and calculated renewal rates for employer groups that ranged in size from 250 employees and greater.• Analyzed claims experience and managed business to obtain desired loss ratios and maximize revenue dollars.• Analyzed premium and claims data to developed proper and competitive premium levels for existing and prospective policyholders.• Determined appropriate cost for groups desiring plan design changes… Show more Led team of underwriters who completed health proposal requests and calculated renewal rates for employer groups that ranged in size from 250 employees and greater.• Analyzed claims experience and managed business to obtain desired loss ratios and maximize revenue dollars.• Analyzed premium and claims data to developed proper and competitive premium levels for existing and prospective policyholders.• Determined appropriate cost for groups desiring plan design changes and group composition changes.• Created and maintain spreadsheets and databases to track workflow and obtain consistency in the output.• Communicated results of analysis to appropriate field representative, consultant, broker, or administering units.units. Show less