Summary
Overview
Work History
Education
Skills
Timeline
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Denise Penson

Underwriter
Escondido,CA

Summary

Strong preforming bilingual underwriter with a passion for transportation trucking industry. Obtaining 17 years of insurance knowledge. Detail-oriented team player with 8+ years' experience underwriting trucking risks. Confident and ability to collaborate with cross-functional teams to solve complex and critical problems.

Overview

15
15
years of professional experience

Work History

Sr. Transportation Underwriter

First Capital - AWIS LLC
12.2018 - 02.2023
  • Reviewed applications for accuracy and completeness, safety scores and reports from loss control.
  • Determined acceptance, denial of new or renewal business after carefully reviewing all information based on industry and demographics of risks.
  • Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
  • Monitored underwriting teams' performance and provided mentoring to achieve individual and department monthly goals.
  • Collaborated with internal departments to develop and maintain underwriting standards, benchmarks and procedures.
  • Developed, negotiated and maintained strong working relationships with brokers, clients and internal colleagues to offer competitive pricing to secure new and existing business.
  • Studied insurance industry changes, remaining up to date with latest trends and protocols.
  • Self-motivated, with strong sense of personal responsibility

Transportation Underwriter

CTC Transportation Insurance Services, Inc.
05.2015 - 10.2018
  • Utilized underwriting guidelines to review and assessed high-valued risks appropriately.
  • Evaluated applications to determine insurance coverage and appropriate risk classifications.
  • Efficiently replied to 60 -100 emails per day.
  • Analyzed data to identify trends and predict future insurance needs.
  • Maintained strong ongoing relationships with internal colleagues, clients and brokers.
  • Developed and implemented risk assessment models to analyze insurance pricing and underwriting decisions.
  • Worked closely with in-house marketing team to maintain and continuously to define company brand.
  • Met with brokers, clients to implement growth projections with support.

Operations Manager

Agredano Ins. Svcs. Inc. / MacNafta Ins. Svcs. Inc
02.2008 - 05.2015
  • Created, maintained computer, physical paper filing systems and electronic documents.
  • Managed 50 to 65 calls daily.
  • Updated reports and filing systems regularly, managed accounts, and generated reports for company database.
  • Oversaw office inventory activities by ordering and requisitions and stocking and shipment receiving.
  • Established workflow processes, monitored daily productivity, and implemented modifications to improve overall performance of personnel.
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.
  • Trained employees on proper procedures and strategies to improve productivity.
  • Human resources, payroll, payables. Receivables, and daily deposits.
  • Acquired new agency appointments for all new insurance programs.
  • Assisted claims.
  • Controlled finances to lower costs and keep business operating within budget.
  • Evaluated employee records and productivity and submitted evaluation reports.
  • Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
  • Supervised operations staff and kept employees compliant with company policies and procedures.
  • Led hiring, onboarding and training of new hires to fulfill business requirements.

Education

High School Diploma -

Escondido High School
Escondido, CA
06.1989

Skills

  • Bilingual - Spanish
  • Client Relations
  • Loss Calculations
  • Transportation
  • Rate Pricing
  • 10-Key Data Entry
  • Value Momentum
  • IMS / Aspire
  • Agency Advantage
  • Excel
  • G-bat
  • Epic

Timeline

Sr. Transportation Underwriter

First Capital - AWIS LLC
12.2018 - 02.2023

Transportation Underwriter

CTC Transportation Insurance Services, Inc.
05.2015 - 10.2018

Operations Manager

Agredano Ins. Svcs. Inc. / MacNafta Ins. Svcs. Inc
02.2008 - 05.2015

High School Diploma -

Escondido High School

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Denise PensonUnderwriter