AIDA HADZIBEGOVIC
Kansas City,MO
Summary
Highly efficient, accomplished Underwriter with extensive experience in underwriting insurance and finance. Excels in challenging environments; consistently meets deadlines, under pressure. Adept at interpreting government and institutional guidelines for compliance with company standards, State and Federal laws and lending regulations. Proven ability to manage, direct and implement underwriting/operational strategies to ensure the delivery of high quality decisions in accordance with credit policy and in support of superior customer service levels.
Overview
5
5
years of professional experience
Work History
Underwriter
Plex Capital
02.2022 - Current
- Determined acceptability of surety submissions through analysis of financial statements, credit reports, bank letters and past history.
- Delegated authority in 100% alignment with corporate underwriting guidelines, policies, and procedures.
- Analyzed corporate financial statements for bonding limits of commercial accounts.
- Completed in-depth reviews of consumer loan applications to ensure completion and adherence to federal and company guidelines.
Senior Underwriter
Marsh & McLennan Companies, Inc.
01.2021 - 02.2022
- Responsible for reviewing, analyzing, approving and underwriting moderate individual consumer requests and products within company and industry guidelines
- Negotiated policy terms and coverages to bring coverage terms into alignment with company directives on contracts and policies.
- Ability to adapt to a constantly evolving process due to regulatory and internal guidelines that are driven by numerous deadlines.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
Underwriter
Marsh & McLennan Companies, Inc.
09.2019 - 01.2021
- Making underwriting decisions, while building relationships with the agents, across multiple lines of insurance or a complex single line to include the complexity of portfolio underwriting and mass affluent underwriting
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Working across boundaries with countrywide risk management and pricing to execute appropriate strategies and adequate rate for the exposure
- Evaluating, making decisions and processing policies for multiple states based on encompassing underwriting strategies, underwriting guidelines while using underwriting judgment to access potential future profitability of the policy
JR Underwriter
Marsh & McLennan Companies, Inc.
12.2018 - 09.2019
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Fields and answers all incoming underwriting questions with regard to conditions and/or specific file issues to ensure immediate resolution
- Maintains a professional image and adheres to standards consistent with company policies and procedures.
Customer Service Representative
Marsh & McLennan Companies, Inc.
02.2018 - 12.2018
- Delivered personalized customer service relating to questions and promptly resolved basic problems on customer accounts
- Provided account information to customers and explained bill service policies and customer rights
- Investigated and researched issues to determine root causes and appropriate resolution methods
Skills
- Negotiation Proficiency
- Credit Application Review
- Community Reinvestment Act
- Risk Evaluation
- Portfolio Management
- Loss Protection
- Insurance Underwriting
- Risk Management
Timeline
Underwriter
Plex Capital
02.2022 - Current
Senior Underwriter
Marsh & McLennan Companies, Inc.
01.2021 - 02.2022
Underwriter
Marsh & McLennan Companies, Inc.
09.2019 - 01.2021
JR Underwriter
Marsh & McLennan Companies, Inc.
12.2018 - 09.2019
Customer Service Representative
Marsh & McLennan Companies, Inc.
02.2018 - 12.2018