Cristal Hernandez
Summary
Insightful Insurance Underwriter specializing in risk assessment and policy evaluation. Strong communication and data analysis skills facilitate collaboration with agents and departments, driving efficient application processing and enhancing customer satisfaction.
Overview
8
8
years of professional experience
Work History
Insurance Underwriter
AAA
Costa Mesa
02.2024 - Current
- Evaluated insurance applications to determine risk levels and facilitate policy approvals.
- Collaborated with agents to ensure clear understanding of underwriting requirements and guidelines.
- Reviewed claims to ensure alignment with underwriting guidelines and policy terms.
- Maintained detailed records of underwriting decisions and processes.
- Collaborated with other departments within the organization to ensure efficient processing of customer applications.
- Attended professional development courses related to insurance underwriting best practices.
Insurance Sales Representative
AAA
Huntington Beach
10.2021 - 02.2024
- Advised clients on insurance products and services to match their needs.
- Guided customers in understanding coverage options and policy benefits.
- Conducted regular follow-ups to ensure customer satisfaction and retention.
- Utilized CRM software to track leads and manage client interactions effectively.
- Handled inquiries from prospective customers via phone or email to facilitate engagement.
Cashier
AAA
Laguna Hills
03.2021 - 10.2021
- Assisted customers with product inquiries and recommendations to enhance overall shopping experience.
- Handled cash, credit, and gift card payments securely.
- Resolved customer complaints to ensure satisfaction and foster loyalty.
- Trained new cashiers on procedures and best practices.
- Provided excellent customer service while promoting insurance products, contributing to increased sales opportunities.
Customer Service Manager
Robbins Brothers
Costa Mesa
02.2019 - 03.2021
- Trained staff on customer service protocols and product knowledge to enhance team performance and customer satisfaction.
- Oversaw daily operations, streamlining processes to support efficient service delivery.
- Collaborated with sales teams to address customer needs and preferences.
- Coordinated scheduling for team members to optimize coverage during peak hours.
- Delivered fast, friendly, and knowledgeable service for routine questions and complaints, fostering positive customer experiences.
Customer Service Representative
Banana Republic Factory Store
Orange
03.2018 - 02.2019
- Assisted customers with product inquiries and communicated promotions, facilitating informed purchasing decisions.
- Processed high-volume customer transactions with accuracy and efficiency, enhancing customer satisfaction.
- Greeted customers warmly, fostering a welcoming environment and enhancing overall customer experience.
- Maintained cleanliness and organization of the checkout area for optimal efficiency.
Education
Associate of Science - Finance
Santa Ana College
Santa Ana, CA06-2024
High School Diploma -
Valley High School
Santa Ana06-2017
Some College (No Degree) - Finance
Irvine Valley College
Irvine, CA05-2026
Skills
- Underwriting strategies
- Insurance policy expertise
- Risk assessment
- Policy evaluation
- Risk analysis support
- Data analysis
- Financial literacy
- Client relations
- Time management
- Organizational skills
- Critical thinking
- Excellent communication
- Professionalism
- Reliability
Languages
Spanish
Professional
Affiliations
- Mom&Me - Group 2026
- Volunteer, United Way - Costa Mesa, CA May 2025
- Member - Escalera - Costa Mesa, CA (Jan 2025- Present)
- Member - Rise Up with AAA - Costa Mesa, CA (Jan 2025 - Present)
Accomplishments
- Excellence Award, Aug 2025
Timeline
Insurance Underwriter
AAA
02.2024 - Current
Insurance Sales Representative
AAA
10.2021 - 02.2024
Cashier
AAA
03.2021 - 10.2021
Customer Service Manager
Robbins Brothers
02.2019 - 03.2021
Customer Service Representative
Banana Republic Factory Store
03.2018 - 02.2019
Associate of Science - Finance
Santa Ana College
High School Diploma -
Valley High School
Some College (No Degree) - Finance
Irvine Valley College