Denise Penson
Underwriter
Escondido,CA
Summary
Strong-performing bilingual underwriter with a passion for the transportation and trucking industry, offering 17 years of insurance experience. With over 10 years underwriting trucking risks and 7 years as a producing agent, I bring a unique dual perspective and a detail-oriented, team-driven approach to risk evaluation and business development. Confident in collaborating with cross-functional teams to solve complex and critical challenges.
Overview
20
20
years of professional experience
Work History
Sr. Transportation Underwriter
First Capital - AWIS LLC
San Diego, CA
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.
Carlsbad, CA
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
Escondido, CA
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, CA06.1989
Skills
- Bilingual - Spanish
- Multitasking Abilities
- Loss Calculations
- Central Analysis Bureau (CAB)
- Risk assessment
- Client relationship building
- Teamwork and collaboration
- Decision-making
- Problem-solving abilities
- Fraud detection
- Renewing policies
- Quoting and pricing policies
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