CHELSAE CARUSO
LAWRENCEBURG,TN
Summary
Dedicated, organized, and methodical individual that possesses great interpersonal skills, is highly adaptable and dependable, and has a willingness to learn and develop new strengths. Successful in completing multiple tasks with minimal supervision, adherent to security and compliance procedures, and often seeks new responsibilities within a wide range of employment areas.
Overview
12
12
years of professional experience
Work History
Life Insurance Underwriter
Farm Bureau Insurance Of Tennessee
06.2018 - 06.2024
- Proficient in evaluating and analyzing medical information to make informed underwriting decisions on life insurance policies
- Experience in reviewing applications, medical exams, lab results, urinalysis', and medical records
- Demonstrated strong attention to detail and problem-solving
- Developed comprehensive knowledge of underwriting software, tools, and guidelines to improve efficiency and accuracy
- Delivered consistent results within designated authority level by accurately assessing applicants insurability risks
- Excellent communication skills in collaborating with agents to ensure policy requirements are met
- Provided guidance to junior underwriters, assisting them in understanding complex cases and developing their skills in risk assessment
- Minimized company exposure to losses by diligently adhering to established underwriting standards in all decision making processes
Patient Service Representative
Maury Regional Medical Group
02.2016 - 06.2018
- Demonstrated ability to work efficiently and effectively in a fast-paced healthcare environment
- Assisted in patient registration by verifying patient demographics, scanning identification and insurance cards, and completing the check-in process
- Verified patient insurance eligibility to expedite patient care and reduce billing errors
- Collection of co-payments and/or outstanding balances using cash, checks, or credit cards while also maintaining accurate records of all daily transactions
- Reconciled daily payments received and prepared deposits for smooth office finances
- Maintained strict compliance and adherence to HIPAA regulations to protect patient privacy
- Served as a reliable source of information for patients regarding appointment scheduling, insurance coverage inquiries, and general office policies
- Built and maintained positive working relationships with patients and staff
- Trained new Patient Service Representatives, contributing to a smooth on-boarding process
- Handled sensitive situations compassionately when dealing with distressed patients
Operations Specialist
Republic Finance
09.2012 - 02.2016
- Assisted customers with completing applications for personal loans
- Conducted credit investigations to evaluate creditworthiness
- Collaborated with management to determine loan eligibility and terms
- Conducted loan closings and ensured all documents were properly executed
- Supported customers throughout entire loan process, addressing concerns and answering questions promptly
- Ensured compliance with federal regulations and company policies for all stages of loan process
- Managed a diverse portfolio of personal loans, ensuring timely payments and minimal delinquencies
- Processed loan payments and maintained accurate payment records
- Built strong relationships with customers, fostering trust and loyalty to ensure repeat business
- Assisted management with administrative tasks, improving office organization and productivity levels
Education
No Degree - Health Sciences
Columbia State Community College
Columbia, TN03.2006
High School Diploma -
Summertown High School
Summertown, TN05.2004
Skills
- Life Insurance Underwriting and Guidelines
- Application and Exam Review
- Data Collection and Analysis
- Medical Records, Terminology, and Knowledge
- Keen Attention to Detail
- Typing, Data Entry, and Documentation
- Risk Assessment and Management
- Decision Making
- Agent and Client Support
- Confidentiality and Compliance
- Medical Office and Front Desk Operations
- Loan Processing and Closing
Timeline
Life Insurance Underwriter
Farm Bureau Insurance Of Tennessee
06.2018 - 06.2024
Patient Service Representative
Maury Regional Medical Group
02.2016 - 06.2018
Operations Specialist
Republic Finance
09.2012 - 02.2016
No Degree - Health Sciences
Columbia State Community College
High School Diploma -
Summertown High School
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