Bernadette Telemaque
Hallandale Beach,FL
Summary
Experienced and dedicated underwriter with a strong focus on minimizing company risk through meticulous analysis of insurance applications. Possessing comprehensive training in the review, adjustment, and decision-making process, skilled at evaluating policies based on stringent criteria. Exceptional organizational and multitasking skills enable efficient handling of multiple applications simultaneously. Committed to accuracy and attention to detail, consistently making informed judgments that align with company objectives.
Overview
15
15
years of professional experience
Work History
Commercial Junior Underwriter
First Light Program Managers Insurance
02.2022 - Current
- Underwriting decision making based on established guidelines and company policies, rating manual rules, and insurance laws and regulations
- Make critical underwriting decisions on risk acceptability, coverage alternatives, and pricing
- Collect, review, and analyze an applicant's relevant history and records to determine the level of risk for insuring new business, renewals & policy changes
- Manage renewal and new business through reviews, making appropriate adjustments to coverage and pricing.
- Participated in industry conferences and networking events to increase visibility of the company within the marketplace.
- Maximized revenue growth with precise policy pricing and competitive premium adjustments.
Property and Casualty Underwriter
FedNat Insurance
06.2015 - 01.2022
- Underwriting new and renewal business applications
- Reinstatement, Endorsements and Assess risk factors on high value homes
- Review and Evaluate all eligibility such as applications, reports, inspections, loss history, etc
- Plan and analyze and calculate insurance policy coverage and premium through 5 different carriers, such as American Strategic Insurance, Citizen, Tower Hill and Security First.
- Streamlined communication with brokers, facilitating prompt responses to inquiries and policy amendments.
- Developed comprehensive training materials for new underwriters, fostering a supportive and collaborative work environment.
- Contributed to the development of new insurance products tailored to emerging market demands and client needs.
- Participated in industry conferences and seminars to stay informed on emerging risks, market trends, and best practices.
Customer Service Representative
Convey Health Solutions
01.2010 - 05.2014
- Initiate investigation process based on the nature of the inquiry (claim, loss, member information, benefits, enrollment, appeals)
- Processed customer exchanges, refunds and bill adjustments to correct product or service problems
- Delivered fast and friendly service to handle questions and service complaints
- Navigated multiple computer systems and utilized search tools to find information.
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
- Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
- Handled escalated calls efficiently, finding satisfactory resolutions for both customers and the company alike.
- Responded to customer requests for products, services, and company information.
Education
Customer Representative License -
4-40
Miami, FLAssociate of Science -
Brown Mackie College
Miami, FLHigh School Diploma -
Goliath Academy
Miami, FLSkills
- Customer Service (10 years)
- Underwriting (7 years)
- Risk management
- Production Goals
- Solving and resolution skills
- Relationship Building
- Policy Development
- Risk Assessment
- Business Development
- Strong analytical skills
- Regulatory Compliance Awareness
- Insurance industry knowledge
Timeline
Commercial Junior Underwriter
First Light Program Managers Insurance
02.2022 - Current
Property and Casualty Underwriter
FedNat Insurance
06.2015 - 01.2022
Customer Service Representative
Convey Health Solutions
01.2010 - 05.2014
Associate of Science -
Brown Mackie College
High School Diploma -
Goliath Academy
Customer Representative License -
4-40
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