Cristal Carreon
San Antonio ,TX
Summary
Proven Underwriter with a track record of enhancing risk assessment processes and client satisfaction at Mercury Insurance. Skilled in analyzing data and policy interpretation, I excel in documentation review and maintaining strong client relationships. Achieved a notable customer retention rate, demonstrating both analytical prowess and exceptional communication skills.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Insurance Underwriter
Mercury Insurance
08.2021 - Current
- Reviewed statistical data to support risk assessments and inform decision-making.
- Reviewed client files for risk indicators to determine appropriate coverage levels.
- Worked closely with claims department to address underwriting concerns and improve processes.
- Communicated underwriting decisions clearly to agents and clients to maintain transparency.
- Drafted clear policy documents by collaborating with legal and compliance teams.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Reduced claim losses by applying expert knowledge in identifying potential risks and setting appropriate premiums.
- Maintained compliance with industry regulations and company guidelines during all underwriting activities.
- Conducted comprehensive risk analyses, ensuring accurate pricing for various types of insurance policies.
Insurance Coordinator
Washington Mutual
01.2019 - 07.2021
- Developed and maintained strong working relationships with insurance carriers, facilitating smoother claim processes for clients.
- Managed a diverse portfolio of accounts, effectively balancing workloads while maintaining high-quality service delivery standards.
- Remained current on industry trends and regulatory changes to provide accurate guidance to clients regarding insurance matters.
- Audited existing policies for compliance with regulations, ensuring that all necessary documentation was up to date and accurate.
- Coordinated with internal departments to facilitate efficient policy issuance processes for new customers.
- Conducted regular follow-ups with clients to maintain strong relationships and ensure their ongoing satisfaction with services provided.
- Provided comprehensive policy reviews to identify gaps in coverage and recommend appropriate adjustments.
Mortgage Specialist
USAA
01.2015 - 12.2018
- Achieved high customer retention rate through exceptional relationship management and personalized service.
- Assisted clients in navigating complex mortgage documentation, ensuring a smooth application experience from start to finish.
- Managed a diverse pipeline of mortgage applications, prioritizing tasks effectively to meet deadlines consistently.
- Improved client satisfaction by efficiently processing mortgage applications and providing timely updates.
- Explained legal aspects of loan to borrower, as well as payment terms and clauses.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Worked with underwriters to fix application problems and resolve issues.
Regulatory Compliance Specialist
Chase Bank
01.2013 - 11.2018
- Enhanced transparency of compliance activities by developing easily accessible dashboards to track performance metrics and trends.
- Collaborated with cross-functional teams to develop comprehensive risk management strategies and reduce exposure to non-compliance penalties.
- Supported external audits by providing necessary documentation, addressing inquiries, and implementing corrective actions as needed.
- Prioritized project-related tasks to efficiently complete essential tasks.
- Worked with governance committees to make and evaluate plans.
Education
Associate Of Applied Science - Psychology
San Antonio College
San Antonio, TXSkills
- Underwriting guidelines
- Analyzing data
- Documentation review
- Risk assessment
- Application review
- Policy interpretation
- Coverage determination
- Policy renewal
- Renewing policies
Certification
AINS 101, 102
Languages
Spanish
Native or Bilingual
Timeline
Insurance Underwriter
Mercury Insurance
08.2021 - Current
Insurance Coordinator
Washington Mutual
01.2019 - 07.2021
Mortgage Specialist
USAA
01.2015 - 12.2018
Regulatory Compliance Specialist
Chase Bank
01.2013 - 11.2018
Associate Of Applied Science - Psychology
San Antonio College