Ariel Servin, Jr.
Castro Valley,CA
Summary
Accomplished Senior Underwriter at Everest Insurance, adept in risk assessments and relationship building, significantly enhanced team performance and compliance. Expert in contract review and loss prevention, successfully mentored underwriters, and spearheaded profitable negotiations, demonstrating a strong blend of technical proficiency and interpersonal skills.
Overview
28
28
years of professional experience
1
1
Certification
Work History
Senior Underwriter
Everest Insurance
12.2014 - 09.2024
- Made decisions on acceptance, rejection, or modification of middle market WC business applications.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company guidelines, complete loss picks, refer to management for approval.
- Focused on maintaining profitable business segment for company and high retention levels above 90%.
- Met with brokers on marketing calls to set goals, solicit new business, grow profitable book of business, develop relationships.
- Controlled loss by assessing risk, conducting loss driver analysis, and solicit loss control recommendations.
- Monitored underwriting teams' performance and provided discussion points in meetings to achieve personal and department production goals.
- Guided, mentored and coached underwriter assistants in both technical and professional skills, instilling best practice, company standards, and excellent service.
- Supported marketing and sales activities with subject matter expertise.
- Provided high level of assistance to help with audit disputes, open claim reviews or loss control recommendation. Assist with ownership, ex-mod, and class code issues from WCIRB of CA or NCCI.
Underwriter
Zenith Insurance Company
03.2005 - 12.2014
- Studied insurance industry changes, Continuing Education, attended industry functions (IBA), remaining up-to-date with latest trends and regulatory law changes.
- Collaborated with team to develop innovative underwriting solutions, streamline processing of small accounts under $50K, converting all business to online.
- Met with wholesalers, brokers to negotiate coverage, price, and service delivery with Marketing Rep.
- Evaluated applications to determine acceptability, coordinate with loss control and claims on necessary services, obtained feedback to properly assess risks.
- Completed file documentation, recognizing discrepancies and promptly addressing for resolution, resulting in above average audit reviews.
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment, direct loss control to mitigate exposures.
Underwriter
American All Risk Insurance Services
09.2002 - 03.2005
- Evaluated applications to determine insurance coverage and appropriate risk classifications.
- Excellent communication skills, both verbal and written with large number of brokers.
- Worked effectively in fast-paced environments, quoting new business and renewals timely.
- Learned and adapted quickly to new technology and software applications.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
Business Analyst
California State Automobile Association
03.1999 - 09.2002
- Supported agents with subject matter expertise in risk evaluations and exceptions. Answered agent questions via telephone, email.
- Scrutinized field agent performance to identify weaknesses and provide recommendations for improvement.
- Evaluated applications to determine insurance coverage, appropriate risk classifications and rating.
- Proved successful working within tight deadlines and a fast-paced environment, reviewing hundreds of files weekly. Applied knowledge of standard criteria to approve or reject Auto/HO applications.
- Helped deploy system, insurance manuals and rating enhancements to improve field operations.
- Gathered, reviewed and reported on findings to upper management for exceptions.
Underwriter
Workers Compensation Insurance Rating Bureau, CA
06.1996 - 03.1999
- Examined, investigated and approved policies/endorsements submitted by Workers Compensation carriers for adherence to Department of Insurance regulations.
- Analyzed and corresponded to carrier inquiries regarding ownership combinability, classification, experience modification, pure premium rates and application of Unit Statistical Rating Plan.
Education
Bachelor of Arts - Economics
University of California, Berkeley
Berkeley, CA1994
Skills
- Risk Assessments
- Underwriting guidelines
- Relationship Building
- Adaptability and Flexibility
- Analytical Thinking
- Policy renewal
- Pricing evaluations
- Teamwork and Collaboration
- Documentation
- Written Communication
- Training and mentoring
- Loss Prevention
Certification
- CPCU - Chartered Property Casualty Underwriter, (in progress)
- Casualty/Property Broker License - #0C23329
- CAL OSHA Training - 10 Hour
- Zenith Insurance Agri-Business Training - California Polytechnic State University
Languages
English
Native or Bilingual
Spanish
Native or Bilingual
Timeline
Senior Underwriter
Everest Insurance
12.2014 - 09.2024
Underwriter
Zenith Insurance Company
03.2005 - 12.2014
Underwriter
American All Risk Insurance Services
09.2002 - 03.2005
Business Analyst
California State Automobile Association
03.1999 - 09.2002
Underwriter
Workers Compensation Insurance Rating Bureau, CA
06.1996 - 03.1999
Bachelor of Arts - Economics
University of California, Berkeley
- CPCU - Chartered Property Casualty Underwriter, (in progress)
- Casualty/Property Broker License - #0C23329
- CAL OSHA Training - 10 Hour
- Zenith Insurance Agri-Business Training - California Polytechnic State University
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