Christopher Vardiman
Summary
Proven CPCU-certified insurance professional with over 20 years of Homeowner, Dwelling, Auto, Farmowner and Umbrella insurance experience in inside sales, service, and underwriting. Highly qualified with extensive knowledge of underwriting practices and risk management. Results oriented with strong mentoring, training, and coaching skills to utilize employee effectiveness both in-person and full-time remote.
Overview
31
31
years of professional experience
1
1
Certification
Work History
Insurance Consultant
Kansas Insurance Agency
11.2023 - Current
- Licensed Kansas Personal Lines Insurance Consultant.
- Interacted with customers by phone, email, or in-person to provide information, coverage recommendations and policy procurement.
- Applied advanced administrative and analytical skills in overseeing day-to-day operational activities.
- Coordinated communications, financial processing, registration, recordkeeping, and other administrative functions.
- Analyzed customer needs to provide customized insurance solutions.
- Finalized sales and collected necessary deposits.
- Conducted annual reviews of existing policies to update information.
Underwriting Manager
Mutualaid Exchange Insurance
09.2011 - 11.2023
- Responsible for the management of the personal lines/farm underwriting department and did so remotely.
- Manages the underwriting function to ensure effective solicitation, selection, pricing, and retention of desirable business.
- Oversees the acceptance, declination, and retention of risks.
- Responsible for training of unit personnel to include new employee training as well as regular staff training to increase skill levels and underwriting authority.
- Responsible for regularly reviewing and auditing work of staff for accuracy, compliance, and correct decision making.
- Meets regularly with staff to ensure superior customer service, efficiency of file reviews, and compliance with established guidelines are being provided.
- Advises underwriters on complex risk evaluations.
- Handles underwriting referrals on decisions exceeding underwriter levels of authority.
- Created, monitored and adjusted as needed the underwriting rules for the automated underwriting system.
- Responsible for selection and ongoing relations with support vendors through all phases.
- Responsible for the Facultative Reinsurance program for high value Homes and Farms for placement and reporting.
- Handled state insurance department complaints, all correspondence and logging of registry and all associated documents.
- Managed a direct non-CAT loss ratio average of 55% for all lines of business over the last seven years.
Underwriting Supervisor
Armed Forces Insurance Exchange
04.2006 - 10.2011
- Successfully managed a team of seven senior to mid-level Underwriters and four support staff in the day-to-day operation of the Underwriting department.
- Assured unit tasks are completed timely, and in accordance with established guidelines and regulatory constraints.
- Communicated effectively with all other business units within the organization to arrive at equitable goals and objectives within the organization.
- Provided technical instruction and support on risk selection, territorial management, processing procedures, guideline creation and implementation.
- Established unit work assignments based on policy count volume, complexity of territory and capabilities of unit employees.
- Handled complex referrals and/or those outside the Underwriters established authority.
- Served as project manager for completion of the automated underwriting system.
- Managed a direct non-CAT loss ratio average of 43% for all lines of business.
Senior Underwriter
Armed Forces Insurance Exchange
04.2004 - 06.2006
- Handled complex files with higher level of authority and ensured decisions were in compliance with state laws.
- Assisted with various work projects outside typical territory work to address the needs of the Underwriting Department and was called on for difficult projects such as co-leading the development of our automated underwriting system.
- Functioned as a mentor to others in the department.
- Assisted department management by performing as a business unit “lead”.
- Gathered information internally and externally to conduct new issue and renewal underwriting within specified authority level.
Personal Lines Underwriter
Armed Forces Insurance Exchange
03.1996 - 04.2004
- Territorial responsibilities included the Southeastern United States.
- Responsible for maintaining territory underwriting rules
- Gathered information internally and externally to conduct new issue and renewal underwriting within specified authority level.
- Assisted in major insurance to value projects as well as state-specific re-underwriting initiatives to bring about positive performance in our Homeowner and Dwelling Fire lines after several years of unprofitability.
Customer Retentions Representative
Armed Forces Insurance Exchange
10.1992 - 02.1996
- State of Kansas licensed Property/Casualty Sales and Service Representative.
- Functioned as a billing collections specialist with emphasis on policy retention and service.
- Assisted customers with policy service needs as well as new issue requests and functioned as a front-line Underwriter within a certain authority level in all lines of business.
Education
Associate of Applied Science - Marketing And Mid-Management
Kansas City Kansas Community College
Kansas City, KS05.1992
Certification
- CPCU - Chartered Property Casualty Underwriter (2005)
Skills
Strong communication skills, team building, results oriented, dependable, consistent, professional, mentoring/training/coaching, customer/client service, agent relationship building, strong decision-making skills, risk management, supervisor/management, proficiency in MS Word, Excel, PowerPoint and Power BI.
Timeline
Insurance Consultant
Kansas Insurance Agency
11.2023 - Current
Underwriting Manager
Mutualaid Exchange Insurance
09.2011 - 11.2023
Underwriting Supervisor
Armed Forces Insurance Exchange
04.2006 - 10.2011
Senior Underwriter
Armed Forces Insurance Exchange
04.2004 - 06.2006
Personal Lines Underwriter
Armed Forces Insurance Exchange
03.1996 - 04.2004
Customer Retentions Representative
Armed Forces Insurance Exchange
10.1992 - 02.1996
Associate of Applied Science - Marketing And Mid-Management
Kansas City Kansas Community College
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