Candice Fernandez

•Evaluate and underwrite builders' risk insurance submissions in accordance with company underwriting guidelines and standards. Analyze construction project details, including scope, location, budget, and timelines, to assess risk factors and determine appropriate coverage and pricing.

• Review and analyze loss history, claims data, and other relevant information to make informed underwriting decisions.

• Collaborate with brokers, agents, and clients to negotiate terms, conditions, and pricing for new and renewal business.

•Develop and maintain relationships with key stakeholders, including brokers, agents, clients, and reinsurers.

Provide guidance and support to junior underwriters, and assist in their professional development.

Stay informed about industry trends, market conditions, and regulatory developments to identify opportunities and potential risks.

• Up to 30% travel.

• Adapted class discipline standards to keep students on-task
• Ilustrated prepared lesson plans to maintain classroom continuity
• Applied different teaching approaches and offered one-on-one instruction to help students with difficult concepts
• Modeled collaboration, communication, and problem-solving skills to help students deal with challenging situations.

• Managed a 25M revenue territory
• Helped achieve top-line, bottom-line growth through effective customer retention strategies
• Assisted in underwriter trainee development, learning and performance/testing results
• Performed pricing model analysis (PIM) to determine expected sold premium/ROE
• Controlled company risk by declining policies with excessive loss potential.

• Managed the systems and resources responsible for monitoring, tracking and producing effective call center forecasts, schedules and service levels analysis per segments as well as key operational reports to ensure achievement of operating objectives
• Collaborated with management to ensure that service goals are achieved across all call center operations
• Facilitated the review and analysis of factors impacting service delivery performance.

• Researched market and industry trends, competitor positioning, and leading customer strategies
• Grew revenue through consistent achievement of monthly and quarterly sales quotas
• Recommended potential candidates to occupy insurance roles such as sales, customer services and retention agent
• Captured sales through effective product demonstrations and persuasive communication skills to overcome objections
• Improved sales process by delivering feedback to management.

• Developed and managed a wide range of marketing tools, to implement strategic marketing campaigns, including promotional materials, direct-mail pieces, and Web site content
• Created marketing & publicity plan to infiltrate the top 100 local and foreign companies such as Best Buy and Ricoh Latino America among others
• Planned and develop a lead creation system through a pre-sales team, trade shows, outdoor media, T.V
• Increased clients return of investment (ROI) by 30% while increasing market exposure.

• Facilitated company merger process from inception to final merger (Medicare y Mucho Mas and Preferred Medical Choice to MMM Healthcare)
• Launched a Chronic Special Needs Plan, which included the opening of a 24hrs call center with specialized nurses in the chronic conditions we covered and developed a PCP relations programs which consisted of continuous updates of the member's condition
• Generated and leveraged real-time, dynamic insights into new user acquisition, engagement, and ROI metrics
• Created activities including health fairs for Medicare beneficiaries and providers to increase our enrollment
• Created a Website to develop to a more customer focus approach and to include easy friendly user navigation tools.