Tanya Waterhouse
Des Moines,IA
Summary
A results-oriented professional skilled at negotiating terms using exceptional communication and collaboration skills. With a proven track record, I excel in building trusting partnerships with agencies, fostering excellent relationships. My experience includes analyzing information to identify potential risks and protecting the best interests of the organization. I am equally adept at managing internal relationships, ensuring seamless teamwork, and external relationships, which contribute to organizational growth.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Specialist Commercial Underwriter
Nationwide
1100 Locust Street Des Moines Iowa
03.2021 - 02.2024
- Promoted to a higher level of authority with opportunities to worked on more complex accounts.
- Negotiated reinsurance contracts to optimize coverage allocation and minimize exposure to catastrophic events.
- Accepted, retained and priced commercial risks for assigned lines of business in accordance with established underwriting policies, practices and standards.
- Performed duties to ensure profitability and growth through: (a). properly classifying and pricing risk. (b). managing loss frequency and that portion of loss frequency that can be controlled. (c). risk acceptance and renewal retention. (d). accountability for quality of assigned portfolio.
- Performed other duties as assigned.
- Worked within specific limits and authority on commercial underwriting assignments.
- Experienced in writing Property, General Liability, Umbrella, Inland Marine, Auto, and Workers Compensation policies.
- Improved underwriting decision quality by conducting thorough risk assessments and analyzing client financial data.
- Mentored junior underwriters, fostering their professional growth and enhancing team performance.
- Managed a diverse portfolio of complex risks, ensuring proper coverage while mitigating potential losses.
- Negotiated reinsurance contracts to optimize coverage allocation and minimize exposure to catastrophic events.
- Maintained strong relationships with brokers, facilitating open communication channels and improving overall business collaboration.
- Identified emerging trends within the industry and adapted underwriting strategies accordingly, staying ahead of competitors.
- Effectively managed high-risk accounts by monitoring performance metrics and implementing timely corrective actions as needed.
- Promoted cross-functional collaboration between departments for better risk management practices and streamlined workflows.
- Provided expert advice on policy wording and endorsements, ensuring clarity in documentation for both clients and staff members.
- · Reviewed competitor products regularly to identify opportunities for differentiation within the market landscape.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
Senior Commerical Underwriter
Nationwide
1100 Locust Street Des Moines Iowa
03.2009 - 02.2021
- Improved underwriting decision quality by conducting thorough risk assessments and analyzing client financial data.
- Mentored junior underwriters, fostering their professional growth and enhancing team performance.
- Managed a diverse portfolio of complex risks, ensuring proper coverage while mitigating potential losses.
- Negotiated reinsurance contracts to optimize coverage allocation and minimize exposure to catastrophic events.
- Maintained strong relationships with brokers, facilitating open communication channels and improving overall business collaboration.
- Identified emerging trends within the industry and adapted underwriting strategies accordingly, staying ahead of competitors.
- Effectively managed high-risk accounts by monitoring performance metrics and implementing timely corrective actions as needed.
- Promoted cross-functional collaboration between departments for better risk management practices and streamlined workflows.
- Provided expert advice on policy wording and endorsements, ensuring clarity in documentation for both clients and staff members.
- Reviewed competitor products regularly to identify opportunities for differentiation within the market landscape.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
Commercial Lines Underwriter
Nationwide Agribusiness
1100 Locust Des Moines Iowa
10.2005 - 03.2009
- Accepted, retained and priced commercial risks for assigned lines of business in accordance with established underwriting policies, practices and standards.
- Responsible for profitability and growth through: (a). properly classifying and pricing risk. (b). managing loss frequency and that portion of loss frequency that can be controlled. (c). risk acceptance and renewal retention. (d). accountability for quality of assigned portfolio.
- Performed other duties as assigned.
- Worked within specific limits and authority on commercial underwriting assignments.
- Experienced in writing Property, General Liability, Umbrella, Inland Marine, Auto, and Workers Compensation policies.
Skills
- Organizational Skills
- Time Management
- Professional Demeanor
- Risk Assessment
- Relationship Building
- Effective Communication
- Professionalism
- Excellent Communication
- Multitasking
- Analyzing data
Certification
- Accurate Data Transfer, Information Mapping,
- Drake University Trainer’s Institute,
- Instructional Design, Interaction Management: The Challenge of Leadership, Achieved Global Service Difference,
- Communico MAGIC,
- Series 6 Certification Courses,
- Edward Jones Train the Trainer
Timeline
Specialist Commercial Underwriter
Nationwide
03.2021 - 02.2024
Senior Commerical Underwriter
Nationwide
03.2009 - 02.2021
Commercial Lines Underwriter
Nationwide Agribusiness
10.2005 - 03.2009