Crystal Nelson, CRIS, PRC

-Manage $10M Book of Business

-Screen over 200 incoming submissions per month and identify viable opportunities

-Evaluate complex risk exposures and determine appropriate coverage terms, pricing, within LOA for diverse client portfolios
- Review and model coverage options to ensure optimal risk transfer while meeting client needs and company profitability goals
- Attain division goals for quote activity, premium growth, and new account acquisition while maintaining underwriting discipline
- Demonstrate proven decision-making skills by balancing risk appetite with market competitiveness to optimize portfolio performance
- Leverage strong negotiation skills to secure favorable terms while maintaining broker relationships and market position

- Analyzed and evaluated the financial stability, creditworthiness, and risk profile of potential insureds to determine appropriate coverage and pricing for commercial insurance policies

-Managed approximately 30-40 incoming calls per day
- Developed and maintained strong relationships with brokers and clients to understand their insurance needs and provide personalized solutions
- Collaborated with the sales team to assess client needs and tailor insurance policies to meet their specific requirements
- Developed and implemented strategies to expand business relationships with brokers and clients to increase sales and revenue for commercial insurance policies
- Conducted regular market research to stay updated on industry trends, competitor products, and emerging risks, and used this information to make informed underwriting decisions
- Attended industry conferences and networking events to stay up-to-date on industry trends and build relationships with industry professionals

- Analyzed risk factors and determined appropriate coverage for diverse client portfolios
- Assisted clients in navigating the insurance process, addressing their inquiries and concerns with exceptional customer service
- Played a key role in developing and maintaining strong relationships with clients to ensure satisfaction and retention
- Contributed to the growth of the company by consistently meeting or exceeding underwriting targets
- Collaborated with product development team to identify underwriting gaps and provide recommendations for product enhancements
- Developed underwriting guidelines and procedures to ensure consistency and compliance
- Provided regular updates to senior management on underwriting trends and potential risks in our book of business

- Provided E&S solutions for high net worth clients with specialized insurance needs
- Collaborated with marketing and other internal team members to develop solid relationships with allocated agencies to retain and solicit profitable new business
- Conducted regular market analysis to identify trends and opportunities for new business growth in the personal lines insurance market
- Provided exceptional customer service to agencies and carriers by promptly responding to inquiries and resolving any issues or concerns
- Identified and implemented process improvements to streamline the personal lines renewal underwriting process, resulting in increased efficiency and productivity

- Analyzed underwriting data, evaluated risk factors, and made underwriting decisions to determine policy acceptance and pricing
- Collaborated with claims department to review and assess claims data, identify trends and patterns, and made recommendations to improve underwriting processes and reduce claims costs
- Maintained a strong understanding of industry regulations and compliance requirements to ensure underwriting decisions aligned with legal and regulatory standards
- Identified potential areas of risk and developed strategies to mitigate them, ensuring that underwriting decisions aligned with the company’s risk appetite and business objectives

- Assessed risk and determined appropriate coverage and premiums for diverse insurance portfolios
- Analyzed applications and supporting documentation to make informed underwriting decisions with high levels of accuracy and efficiency
- Collaborated with agents to provide guidance and support, fostering strong professional relationships
- Reviewed and updated underwriting guidelines and procedures to ensure compliance with industry regulations and company standards
- Achieved high levels of accuracy and efficiency in underwriting process, contributing to operational excellence
- Developed strong relationships with clients and provided exceptional customer service throughout the underwriting process
- Contributed to the overall profitability of the company through effective risk assessment and pricing strategies