Cindy Lee
Los Angeles,CA
Summary
Adept at enhancing customer satisfaction and retention, I leveraged my expertise in underwriting guidelines and active listening at Kostar Insurance & Financial Services Inc to mitigate risks and streamline policy processes. My approach not only improved client relations but also supported revenue growth through precise policy adjustments and comprehensive risk analysis.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Personal Lines Underwriter
Kostar Insurance & Financial Services Inc
08.2018 - Current
- Developed and maintained strong relationships with customers, agents, and other insurance companies.
- Provided exceptional service to clients through timely responses to inquiries, clear explanations of complex insurance concepts, and prompt resolution of issues that arose during the policy term.
- Improved client satisfaction by promptly addressing inquiries and providing accurate information on insurance policies.
- Answered customer questions via telephone, email, and web chats.
- Effectively managed multiple accounts simultaneously, ensuring prompt attention to each client''s specific requirements.
- Increased customer retention with thorough policy reviews and timely adjustments based on changing needs or circumstances.
- Maintained high levels of accuracy in documentation by diligently reviewing all applications before submission to carriers.
- Reduced company exposure to potentially costly claims disputes by diligently reviewing coverage limits and exclusions during the underwriting process.
- Applied knowledge of standard criteria to approve or reject applications.
- Supported agents with subject matter expertise in risk evaluations.
- Identified opportunities for cross-selling additional products or services based on customers'' individual needs.
- Identified possible risks and recommended solutions.
- Studied insurance industry changes, remaining up-to-date with latest trends and protocols.
- Collaborated with claims department to ensure accurate evaluation of risks and appropriate pricing for policies.
- Implemented effective risk mitigation strategies, reducing exposure to potential losses while maintaining a balanced portfolio.
Commercial Lines Underwriter - Workers Comp.
Prime Insurance Agency
03.2014 - 07.2018
- Conducted regular portfolio reviews, identifying areas for improvement and recommending corrective action plans.
- Provided expert advice to sales team during proposal preparation stages, helping secure profitable deals for the organization.
- Managed complex accounts with professionalism, successfully navigating challenging negotiations with clients and brokers.
- Assessed new and renewal applications for financial liabilities and risk levels.
PERSONAL LINE UNDERWRITER
DO DREAM INSURANCE
03.2012 - 02.2014
- Answered customer questions via telephone, email, and web chats.
- Increased customer retention with thorough policy reviews and timely adjustments based on changing needs or circumstances.
- Maintained up-to-date knowledge of industry trends and regulatory changes, ensuring compliance in all underwriting activities.
- Consistently met deadlines for policy issuance by efficiently managing workload and prioritizing tasks as needed.
- Improved client satisfaction by promptly addressing inquiries and providing accurate information on insurance policies.
- Effectively managed multiple accounts simultaneously, ensuring prompt attention to each client''s specific requirements.
- Provided exceptional service to clients through timely responses to inquiries, clear explanations of complex insurance concepts, and prompt resolution of issues that arose during the policy term.
- Supported agents with subject matter expertise in risk evaluations.
Commercial Lines Underwriter-Workers Comp
CalKor Insurance
03.2005 - 04.2011
- Conducted regular portfolio reviews, identifying areas for improvement and recommending corrective action plans.
- Mentored junior underwriters, sharing knowledge of industry best practices and fostering professional development.
- Applied accurate pricing standards to meet business needs and customer requirements.
- Developed comprehensive underwriting guidelines, ensuring consistency across the team''s decision-making process.
- Enhanced customer satisfaction through prompt policy issuance and streamlined quote-to-bind processes.
- Maintained compliance with regulatory requirements by staying informed of changing laws and adjusting procedures as needed.
- Maximized revenue growth with precise policy pricing and competitive premium adjustments.
- Reduced claim losses, implementing strict risk selection criteria in the underwriting process.
Education
Bachelor of Science - Physics
HALLYM UNIVERSITY
S. KOREA03-1990
Skills
- Underwriting guidelines
- Loss control
- Training and mentoring
- Hazard analysis
- Coverage determination
- Policy analysis
- Claims handling
- Customer service
- Problem-solving
- Active listening
- Policy renewal
- Client relations
Certification
- Associate in Insurance Services (AIS) - The Institutes.
- Insurance Producer License-CA-[State Department of insurance].
Languages
Korean
Native or Bilingual
English
Full Professional
Timeline
Personal Lines Underwriter
Kostar Insurance & Financial Services Inc
08.2018 - Current
Commercial Lines Underwriter - Workers Comp.
Prime Insurance Agency
03.2014 - 07.2018
PERSONAL LINE UNDERWRITER
DO DREAM INSURANCE
03.2012 - 02.2014
Commercial Lines Underwriter-Workers Comp
CalKor Insurance
03.2005 - 04.2011
Bachelor of Science - Physics
HALLYM UNIVERSITY
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