Carol Masterson
Dixon,IL
Summary
Experienced commercial underwriting professional with deep expertise in broker relations, portfolio management, and compliance auditing. Known for resolving complex service issues, maintaining workflow discipline, and supporting risk-aware underwriting decisions.
Overview
1
1
Certification
20
20
years of professional experience
Work History
Middle Market Zone Leader-Ohio Valley
QBE Insurance
Sun Prairie, Wisconsin
2023.03 - 2026.04
- Collaborated with brokers, claims staff, and underwriters to address and resolve service issues.
- Resolved escalated customer concerns with clear communication and sound judgment.
- Monitored daily workload queues, routing tasks to align with zone priorities.
- Tracked process gaps and updated team practices to improve consistency.
- Ensured audit readiness by conducting record checks and following up on compliance.
- Supported team members on service standards, procedures, and compliance requirements.
- Reviewed policy documentation for accuracy, completeness, and risk controls.
Senior Middle Market Underwriter
QBE Insurance
Sun Prairie, Wisconsin
2006.09 - 2024.03
- Underwrote renewals by reviewing premium history, claims history and company financial condition to determine action.
- Reviewed submissions against QBE underwriting guidelines and risk appetite.
- Prepared quotes, renewals, and policy endorsements for commercial accounts.
- Liaised with brokers and internal teams to clarify underwriting requirements.
- Referred complex risks for senior review and authority approval.
- Documented underwriting decisions in policy systems and workflow records.
- Negotiated coverage terms and conditions within QBE appetite.
- Supported portfolio management through consistent file review and policy analysis.
- Utilized underwriting authority to correspond with corporate risk appetite and strategy.
- Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
- Participated in regular training sessions regarding updates in relevant laws or regulations.
Education
Associate of Arts - Business
Sauk Valley College
1989-04
Skills
- Commercial underwriting
- Underwriting guidelines
- Policy documentation
- Compliance auditing
- Broker relations
- Portfolio management
- Operational efficiency
- Team leadership
- Client relationship management
- Effective communication
- Relationship building
- Time management
- Product knowledge
Certification
- Certified Insurance Counselor (CIC)
Timeline
Middle Market Zone Leader-Ohio Valley
QBE Insurance
2023.03 - 2026.04
Senior Middle Market Underwriter
QBE Insurance
2006.09 - 2024.03
Associate of Arts - Business
Sauk Valley College