DEBORAH A RATHBUN
Summary
Experienced Underwriter with risk assessment, leveraging analytical skills to identify and mitigate potential issues. Utilizes comprehensive financial analysis to support informed decision-making and policy development. Knowledge of industry regulations and best practices, ensuring compliance and optimal underwriting performance.
Overview
10
10
years of professional experience
Work History
Senior Commercial Underwriting Specialist
PMA Companies
04.2022 - Current
- Analyze, select and profitably price coverage for commercial risks and determine terms and conditions of coverage on new and renewal business
- Apply and conform to underwriting rules and guidelines, rating manuals, insurance laws/ regulations
- Utilize a consultative selling approach to generate new business consistent with underwriting strategy and in coordination with service team members to include accurately assessing the needs of the broker and the client and formulating solutions that effectively address those needs
- Analyze underwriting & marketing activities and corresponding results; prepare reports to management
- Mentor and provide technical training and guidance to coworkers
- Determine, coordinate and direct account management activities with various departments
- Negotiate and deliver proposals to producers and buyers
- Develop and maintain client relationships and coordinate service team efforts
- Identify opportunities for organizational improvement and recommend solutions
- Demonstrate commitment to Company's Code of Business Conduct and Ethics, and apply knowledge of compliance policies and procedures, standards and laws applicable to job responsibilities in the performance of work
Commercial Underwriter
EMC Insurance
04.2017 - 04.2022
- Extensive knowledge of all lines such as Auto, Businessowners, Inland Marine, Property, General Liability, Umbrella, Cyber, Crime and Workers Comp
- Target markets include but not limited to: Manufacturing, Wholesalers/Distributors, Petroleum Dealers, Auto Dealerships, Equipment Dealers, Financial Institutions, Printing, Municipalities, Contractors, and Wineries & Breweries
- Solicit, evaluate, price and service new business submissions and renewals for mid to large size multiple commercial lines book of business to determine acceptability according to company guidelines
- Advanced-level knowledge of underwriting, pricing, and risk selection
- Retain a $6M profitable and diversified book of business in our territories of NC, SC and VA while building and maintaining agency relationships through regular communication and agency visits
- Analyze loss ratio reports and make recommendations on renewal action to maintain a profitable book of business
- Prioritize work to meet legal requirements and established service level agreements
- Consult with Risk Improvement and Claims Representatives to bring value-added service
- Evaluate loss control inspections, reports, review recommendations, and maintaining the risk
- Answers inquiries on complex issues regarding policies, procedures, rules, regulations, contract, and rates countrywide
- Strong ability to effectively communicate verbally and in writing to uncover business needs
- Authority to make underwriting exceptions within established authority levels to continue the policy
- Accountable for individual underwriting decisions as a part of large loss reviews
- Travels with or without Territory Manager, to assigned agent locations to develop/maintain agency relationships while soliciting, reviewing, and coordinating new business opportunities
- Develop profitable business plan with assigned agencies to increase growth while retaining a profitable book business
- Self-motivated individual with a track record of premium growth and profitability in handling a diverse book of business
- Hard work, honesty, integrity, and unwavering business ethics
Commercial Underwriter
Allstate Business Insurance
04.2015 - 04.2017
- Articulate corporate underwriting strategy and be able to fully explain underwriting decision
- Knowledge in Property, General Liability, Workers Comp, Businessowners, Umbrella, and Automobile Insurance
- Handle underwriting disputes and complaints by researching and resolving customer communications, concerns, conflicts, and issues
- Negotiates mutually acceptable solutions for the agent and the company
- Prioritizes work based on multiple distributions of agency contacts via inbound calls, outbound calls, e-mail, and fax
- Understands and evaluates the potential risks the company is exposed to after a loss and takes appropriate action
- Understands and evaluates reports such as environmental remediation reports, inspections reports, and motor vehicle reports
- Underwrites and evaluates policies for misrepresentation or non-disclosure of information to determine eligibility and/or rate
Education
High School Diploma -
River Ridge High School
New Port Richey, FL06.1997
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Pasco-Hernando Community College
New Port Richey, FLSkills
- Skilled in evaluating commercial insurance risks across diverse industries, ensuring comprehensive risk identification and appropriate coverage solutions
- Expert in developing competitive and profitable pricing strategies for commercial risks, aligning with company underwriting guidelines and market conditions
- Adept at interpreting actuarial reports, benchmarking data, and rating models to support accurate pricing and portfolio optimization
- Delivers clear, concise, and technically sound communications regarding coverage positions, pricing rationale, and underwriting decisions for complex commercial risks
- Skilled in negotiating policy terms, pricing, and coverage structures to achieve mutually beneficial outcomes that balance profitability and client retention
- Develops rapport through proactive communication, responsiveness, and a commitment to delivering tailored insurance solutions that align with client needs and underwriting objectives
- Proficient in end-to-end policy lifecycle management, including new business issuance, renewals, endorsements, audits, and cancellations, ensuring accuracy and compliance with underwriting guidelines
- Experienced in leveraging data analysis tools, Microsoft Excel, Word, etc for in-depth risk analysis, pricing modeling, and portfolio performance tracking
Timeline
Senior Commercial Underwriting Specialist
PMA Companies
04.2022 - Current
Commercial Underwriter
EMC Insurance
04.2017 - 04.2022
Commercial Underwriter
Allstate Business Insurance
04.2015 - 04.2017
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Pasco-Hernando Community College
High School Diploma -
River Ridge High School
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