ANGELA SCHEIBL

Underwrite complex commercial lines in all segments, including programs and specialty risks, focusing on risk selection and profitability.

• Evaluated complex new business and renewal accounts for risk quality, exposure, claims trends, and pricing adherence.
• Analyzed loss experience and underwriting trends to identify emerging risk concerns and profitability issues.
• Technical resource for complex underwriting decisions, identifying process improvement opportunities that enhanced decision-making efficiency.
• Conducted underwriting quality audits and peer reviews, maintaining a 99.88% average audit score.
• Identified recurring workflow issues, assessed root causes, and recommended process enhancements to streamline operations.
• Applied underwriting guidelines consistently while evaluating complex referrals and non-standard risk characteristics.
• Guide agency partners through targeted training presentations and ongoing consultation, strengthening underwriting capabilities.

• Managed portfolio by adapting to shifting territories and product mix, ensuring adherence to underwriting discipline.
• Drove profitable growth through disciplined risk selection and improved submission quality.
• Strengthened agency relationships via proactive communication and collaborative problem-solving to achieve retention goals.
• Mentored junior underwriters, enhancing technical capability and consistency across the team.
• Contributed to initiatives focused on underwriting efficiency and workflow optimization, enhancing team effectiveness.
• Underwrote commercial risks across multiple P&C lines, adhering to guidelines and risk appetite standards.
• Evaluated exposures and account performance trends to inform underwriting decisions and support balanced portfolio outcomes.

• Underwrote commercial risks across multiple P&C lines while adhering to guidelines and risk appetite standards.
• Managed new business and renewal submissions, ensuring timely processing and fostering strong agency relationships.
• Evaluated new policy applications and renewal submissions to determine financial liabilities and company risk.
• Negotiated terms and conditions with producers, driving profitable growth and aligning offerings with market demands.
• Analyzed financial statements to assess business viability and align insurance requirements with risk profiles.
• Developed technical expertise in coverage forms, rating methodologies, and exposure evaluation across various industries.
• Supported senior underwriters on complex accounts, enhancing underwriting decisions and portfolio performance.
• Reviewed policy endorsements to ensure compliance with company standards and regulations.
• Identified opportunities for cross-selling additional products or services to existing customers.
• Built analytical capabilities in loss trends, risk assessment, and account profitability evaluation.

• Processed loan applications and conducted credit evaluations in accordance with guidelines.
• Cross-sold banking products, including credit cards, loans, and investments, increasing client engagement and meeting diverse financial needs.
• Educated clients on banking services, investment options, and financial products, empowering them to make informed financial decisions.
• Assisted customers with account openings, closures, and sound financial decisions.
• Resolved account discrepancies and addressed client concerns promptly, ensuring high customer satisfaction and trust.
• Managed daily cash transactions while ensuring compliance with operational policies.
• Built strong rapport with clients to promote loyalty and meet financial needs.
• Collaborated with team members to improve overall customer service experiences.