Summary
Overview
Work History
Education
Skills
Websites
Professional Designations
Timeline
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Brandon A. Davison

Uriah,AL

Summary

Analytical Senior Underwriter with over a decade of experience and expertise in Medical Liability Insurance. Gifted in evaluating risk and loss potential and developing information for new and renewal policies. Team-oriented with success in building relationships with brokers and sales agents to achieve business goals.

Overview

15
15
years of professional experience

Work History

Healthcare Professional Insurance Senior Underwriter

CARE Professional Liability Association, LLC
10.2022 - 10.2023
    • Managed a diverse portfolio of complex risks, ensuring proper coverage while mitigating potential losses.
    • Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
    • Documented underwriting decisions and provided evidence of compliance with applicable regulations.
    • Maintained strong relationships with brokers, facilitating open communication channels and improving overall business collaboration.
    • Supported marketing and sales activities with subject matter expertise.
    • Monitored market conditions and economic trends to identify and limit potential risks.
    • Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.

Medical Malpractice Insurance Underwriter

The Doctors Company
10.2016 - 07.2022
    • Service and maintain a 19.9-million-dollar book of business that consists of 646 policies and 2,105 insureds.
    • Evaluated new business submissions, renewals, and policy change requests resulting in underwriting decisions within authority or made recommendations to management on changes that exceeded authority and documented details that resulted in final decision.
    • Proven ability to develop and implement creative solutions to complex problems.
    • Understands and complies with state statutory requirements including policy language changes, notice requirements, Patient Compensation Fund (PCF) rules and unique requirements and followed established underwriting guidelines, authority, and filed rates.
    • Collaborated with Business Development to build, strengthen, and manage relationships with agents/brokers, manager, and colleagues in other departments to achieve growth goals and retention targets.

Medical Professional Liability Insurance Underwriter

NORCAL Mutual Insurance Company
10.2014 - 09.2016
  • Evaluated submissions to determine acceptability of risks in accordance with company guidelines and standards.
  • Determine proper coverage, pricing, limits, and terms based on exposure.
  • Understand and follow applicable underwriting guidelines, policies, and procedures to maintain consistency and adherence to industry regulations.
  • Operate within assigned letter of underwriting authority.
  • Interact with customers, agents, and brokers to gather necessary information and to clarify underwriting requirements.
  • Negotiate policy terms.
  • Maintain accurate and detailed records of underwriting decisions and communication with both internal and external parties.
  • Responsible for documenting underwriting process and decisions of assigned policies.
  • Manage profitability, risk characteristics, submission flow, agent/broker relationships and customer service of assigned territory
  • Exhibit knowledge of policy language and other companies underwriting similar coverage
  • Assist in marketing activities and participate in projects assigned by management.
  • Collaborated with agents to develop customized insurance packages, meeting specific client needs.

HARP Loan Underwriter

Regions
06.2013 - 05.2014
    • Determined if the application met any of the HARP products guidelines, determined borrower's monthly income, reviewed borrower's credit report to ensure accuracy of the application
    • Reviewed title to ensure there were not any liens on property and title was correctly recorded, reviewed flood certificate to determine if flood insurance was required and adequate, evaluated the value of property to determine if mortgage insurance was necessary and was in place or documented proof of original mortgage insurance cancellation
    • Maintained communication with loan officer in case additional information was needed and the process moved forward smoothly and quickly, and finally, approved with stipulations or denied the application, followed by the review to determine if stipulations had been met and to further deny or approve the application
    • Processed up to four loans a day, dependent on volume with a monthly accuracy rating of 96% or above.
    • Streamlined underwriting processes for increased efficiency, implementing automated tools and software.

Consumer Loan Underwriter I - FHA

Wells Fargo
03.2012 - 06.2013
  • Determined reason for default of mortgage and determined if situation for default was overcome by borrower based on information given.
  • Calculated monthly income based on customer's paystubs, rental income, retirement income, government assistance income or any other source of documented source of income.
  • Reviewed credit bureau information, tax returns, financial statements, and/or other supporting documentation to evaluate amount of liabilities/debts borrower had been responsible for payments.
  • Calculated debt to income ratio to determine if surplus existed or if borrower could be placed in government relief program or if loan modification was needed to get mortgage current.
  • Ensured property has clean title and had no tax liens, ensured there was up-to-date flood certificate in file before borrower can be given modification or put in government relief program.

Medical Liability Insurance Customer Service Representative

ProAssurance
03.2009 - 02.2012
  • Promoted to Customer Service Representative in fast-paced, dynamic call center environment.
  • Responded to customer inquiries, resolved policy status issues, and assisted with billing, coverage, and discount-related questions.
  • Assisted Underwriters by running loss history, risk management, and payment history reports.
  • Received 30-50+ inbound customer support calls daily supporting customers across Tennessee.
  • Processed policies accurately and timely, including quotes, new business, endorsements, cancellations, or renewals by rating and classifying physicians.
  • Reviewed renewal applications to determine proper classification and premium rates.
  • Delivered exceptional and prompt customer service to agents and insurers,
  • Corresponded with agents and insurers to obtain required information for screening and transactions,
  • Provided hands-on support to customers, agents, and stakeholders by addressing inquiries and resolving issues related to underwriting processes,
  • Conducted quality checks on documentation to identify errors.

Education

Bachelor of Science Degree (B.S.), Risk Management and Insurance -

Troy University
Troy, AL
12.2004

General Studies -

Coastal Alabama Community College
Monroeville, AL
05.2001

Skills

  • Relationship Building
  • Risk Assessment
  • Terms negotiation
  • Client Relationship Building
  • Verbal Communication
  • Detail Oriented
  • Compliance
  • Technical
  • Customer Service
  • Analysis
  • Documentation
  • Collaboration
  • Self-Directed

Professional Designations

  • Associates in Risk Management (ARM) – The Institutes, In Progress
  • Registered Professional Liability Underwriter (RPLU) – PLUS, 2009
  • Associate in Surplus Lines Insurance (ASLI) – The Institutes, 2009
  • Associate in Commercial Underwriting (AU) – The Institutes, 2008

Timeline

Healthcare Professional Insurance Senior Underwriter

CARE Professional Liability Association, LLC
10.2022 - 10.2023

Medical Malpractice Insurance Underwriter

The Doctors Company
10.2016 - 07.2022

Medical Professional Liability Insurance Underwriter

NORCAL Mutual Insurance Company
10.2014 - 09.2016

HARP Loan Underwriter

Regions
06.2013 - 05.2014

Consumer Loan Underwriter I - FHA

Wells Fargo
03.2012 - 06.2013

Medical Liability Insurance Customer Service Representative

ProAssurance
03.2009 - 02.2012

Bachelor of Science Degree (B.S.), Risk Management and Insurance -

Troy University

General Studies -

Coastal Alabama Community College

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Brandon A. Davison