Sr Portfolio Underwriter, Personal Risk Services
Chubb Insurance
08.2024 - Current
Jade Thao
Personal Lines Senior Underwriter
Kansas City,KS
Timeline
No Degree - Electrical Technology Certificate
Kansas City Kansas Community College - Technical Education
04.2024 - Current
Mortgage Underwriter LAPP/SAR
Veterans United Home Loans
01.2021 - 08.2024
PRS Sr Portfolio Underwriter
Chubb Insurance
11.2012 - 01.2021
Senior Service Advocate/Underwriter
Farmers Insurance
08.2006 - 11.2012
Sales Associate/Dispatch
Kincaid Coach Lines
03.2005 - 08.2006
Legal Assistant / Paralegal
Lyon's and Lyon's Law Office
07.2004 - 03.2005
Support Analyst
First City Servicing of MN
06.2003 - 04.2004
High School Diploma -
Patrick Henry High School
07.1999 - 06.2002
Work History
Mortgage Underwriter LAPP/SAR
Veterans United Home Loans
Lenexa, KS
01.2021 - 08.2024
- LAPP/SAR designated for handling of VA loans.
- Analyzed home loan risks by thoroughly reviewing and verifying loan applications against their supporting documentation.
- I worked with the loan team to obtain additional information when necessary to prepare and document a detailed assessment of the loan file.
- Knowledge of the VA loan regulations and rules were necessary for the role.
- This role involved reviewing the loan eligibility which resulted in either a loan approval or rejection of the application while specifying loan conditions as needed.
- I pride myself in being a partnering underwriter with the loan team so that we can provide great quality loans that are high in compliance and passed regulatory standards, met company policies and guidelines to help close profitable loans on behalf of my employer.
- My attention to detail, mathematical mindset and proficiency in the mortgage loan process along with my strong organizational and prioritization skills helped me excel in this role.
- My excellent verbal and written communication abilities also made it easy to work with the loan team efficiently to be able to close quickly on loans.
- I am knowledgeable with automated underwriting systems, encompass, and Fannie Mae DU systems.
PRS Sr Portfolio Underwriter
Chubb Insurance
Kansas City, MO
11.2012 - 01.2021
- I managed a $32,000,000 book in Dallas & Houston, TX where I exceeded growth goals in all territories annually. I solely manage all 32 agencies on both new business and renewal books.
- Total Property Authority at one location up to $30,000,000 and $26,000,000 in Liability.
- Experienced with knowledge of catastrophic locations such as mapping for flood, wildfire assessments and underwriting for coastal exposures including home appraisals.
- Partnered, grew and developed strong relationships with agents and producers through professional and effective written and verbal communications.
- Proven relationships with agents that had poor growth and relationships with the company in prior years. I had one of the highest quote-to-issuance ratio for the territory in 2017 & 2019 and was able to grow multiple agents by double digits due to relationship and negotiation skills.
- Headed a project created and named “Operation Jade” to assist other underwriters in improving their producer relationships and achieving profitable growth with their agents.
- Thorough, self motivated, responsive, detail oriented, highly self-driven and creative in crafting ways to write new business.
- No failed audits in the last 6 years. I was also a member of the quarterly home office audit team who audits center underwriters for quality.
- Year-end ratings were Exceeds Expectations in the 4 recent years.
Senior Service Advocate/Underwriter
Farmers Insurance
Olathe, KS
08.2006 - 11.2012
- Collaborated with cross-functional teams to enhance service delivery processes and determine defects.
- Developed training materials and conducted sessions to improve team performance.
- Consistently exceeds and far exceeds in annual year end reviews.
- Surpassed all random daily audits with resolving issues, underwriting households and providing a great customer experience to agents, insureds and prospects alike.
- Licensed agent in multiple states
- Supported and mentored other representatives with underwriting, product knowledge and system efficiency usage.
- Selected to be a part of various special project teams such as new business property inspections, complex processing and including being a part of the defect research team throughout the years employed.
- Selected as employee of the month varies times throughout my career with high quality audits.
Sales Associate/Dispatch
Kincaid Coach Lines
Edwardsville, KS
03.2005 - 08.2006
- Implemented new sales procedures and operations for efficiency and profitability.
- Managed and maintained relationships with point of contacts for large client accounts such as Minor League Baseball, MLS and church organizations.
- Booked and organized the bus trips.
- Represented and attended networking events through Chambers of Commerce to market our company name.
- Dispatched and supported operations with maintaining DOT regulations and scheduling of drivers.
Sr Portfolio Underwriter, Personal Risk Services
Chubb Insurance
Overland Park, KS
08.2024 - Current
- Evaluated risk factors to determine insurance coverage eligibility and terms.
- Analyzed complex applications utilizing underwriting software to ensure compliance with regulations.
- Collaborated with agents to clarify underwriting requirements.
- Developed and implemented risk assessment strategies to enhance decision-making accuracy.
- Manage a $45,000,000 book of business in Houston and Dallas.
- Responsible for selecting individual risks on accounts with annual premiums under $100,000 and leading producer relationships to achieve profit, growth, and retention goals.
- Work closely with key producers across assigned territories (Houston and Dallas), ensuring new business meets PRS strategy, underwriting guidelines, and catastrophe management objectives.
- My role involves evaluating account details, developing technical expertise in Portfolio products, and recommending additional coverage and services.
- I actively research industry trends, prepare renewal proposals, communicate growth opportunities, and manage complex placements.
- Additionally, I contribute to staff training and knowledge sharing within the Underwriting Center.
Legal Assistant / Paralegal
Lyon's and Lyon's Law Office
Merriam, KS
07.2004 - 03.2005
- Assisted attorneys in preparing legal documents and filings.
- Conducted legal research to support case preparation and strategy.
- Organized and maintained case files, ensuring easy access to information.
- Communicated with clients to gather information and provide updates on cases.
- Contacted county court houses and court clerks on behalf of the attorney.
- Managed and maintained financial records for cases where judgments and/or garnishments were involved.
- Maintained and booked lawyer’s calendar.
Support Analyst
First City Servicing of MN
St Louis Park, MN
06.2003 - 04.2004
- Provided technical support to users, resolving issues efficiently and effectively.
- Documented support processes and solutions to improve team knowledge base.
- Filed and organized account file folders for the office involving collections.
- Learned to skip traced and updated files on status of non-active accounts.
- Recorded and handled payments made towards accounts including processing Check-by-phone payments for banking.
- Open the office and closed the office for the office staff.
Overview
23
23
years of professional experience
5
5
years of post-secondary education
Education
No Degree - Electrical Technology Certificate
Kansas City Kansas Community College - Technical Education
Kansas City, Kansas, KS 04.2024 - Current
High School Diploma -
Patrick Henry High School
Minneapolis 07.1999 - 06.2002
Skills
Underwriting guidelines
Analyzing data
Documentation review
Risk assessment
Credit analysis
Application review
Relationship building
Client relationship building
Portfolio management
Risk management
Risk mitigation
Policy interpretation
Coverage determination
Sales support
Loss mitigation
Renewing policies
Freddie mac & fannie mae
File analysis
Creditworthiness assessment
Building strong relationships
Managing risk
Loan approval & denial
Negotiation proficiency
Teamwork and collaboration
Documentation
Organizational skills
Multitasking
Agent support
Task prioritization
Team building
Written communication
Decision-making
Time management
Excellent communication
Multitasking Abilities
Interpersonal communication
Active listening
Teamwork
Customer service
Problem-solving
Attention to detail
Problem-solving abilities
Reliability
Critical thinking
Effective communication
Claims analysis
Adaptability and flexibility
Self motivation
Interpersonal skills
Client relations
Analytical thinking
Professionalism
Time management abilities
Continuous improvement
Relationship management
Professional demeanor
Sales techniques
Summary
Professional underwriting specialist with keen eye for detail and strong commitment to accuracy. Extensive experience in evaluating financial risks and managing complex insurance portfolios. Highly collaborative team player, adaptable to changing needs, and focused on delivering results. Proficient in risk assessment, policy analysis, and client communication. Experienced with assessing financial risk and evaluating insurance applications. Utilizes analytical skills and industry knowledge to make informed underwriting decisions. Track record of maintaining compliance with regulatory standards and fostering positive client relationships. Possesses versatile skills in project management, problem-solving, and collaboration. Brings fresh perspective and strong commitment to quality and success. Recognized for adaptability and proactive approach in delivering effective solutions.