James Sean Young
Lordstown,Ohio
Summary
To obtain the ASC - Product Management Analyst position utilizing my 20 years of Risk Management experience and knowledge gained while working at Allstate. I feel I can be a valued high performing member on this team as it continues to develop ASC products and transforming how Allstate serves customers and consumers.
Overview
27
27
years of professional experience
Work History
Senior Individual Risk Assistant
Allstate
01.2013 - Current
- Performs team compliance audits to insure underwriting guidelines and procedures are correctly interpreted and executed
- Continues to provide underwriting expertise for the Eastern Zone while also assisting other regions in time of need
- Communicate various process and guideline changes to the team in huddles and meetings
- Help the team meet SLA goals and provide exceptional customer service through Avaya monitoring
- Performs a daily Customer Save audit for the team reaching out to agencies who’ve yet to respond which increases response rate, ease of business and profitability for the company
- Monitors the team chat box and fills a QM (question master) roll for the team providing feedback and solutions to questions daily
- Fields escalation calls and then provides feedback and solutions to the associate and team if necessary
- Took on additional property services training to learn all PS processes performed in Dallas and is now the property services SME for the team
- Assisted Dallas RMBC with PS processing on a daily basis and was the Northeast liaison for any property service issues, discrepancies or concerns with our partners in Dallas
- Worked with regional property services manager on individual inspection concerns to come up with positive solutions for both the insured and company
- Provides a very comprehensive resource for the team in all facets of underwriting including phones, processing, ccp , property services , etc while maintaining good quality and providing excellent service to our agents.
Individual Risk Assistant
Allstate
01.2004 - 01.2013
- Continue to expand underwriting and risk management acumen by processing and taking agency calls for all lines including boats, pups, recreational vehicles and all coho lines
- Help transition property services from the region to the RMBC by partnering with the northeast property managers to learn the different process that were taken on by risk management
- Processed property services work for the Northeast team when it first rolled to the RMBC and helped establish procedures used for the original process
- Provided regional support through the Northeast Risk Box answering risk management questions and processing exception requests submitted by the region
- Also reviewed exception requests submitted by the FSL’s on behalf of the agents and provided detailed feedback as to why or why not a request could be granted based on our risk management guidelines, Rules & Rates and underwriting philosophy
- Provided training and feedback for new hires for both phones and processing
- Was a member of the first Chat team that provided support for our agents using the Chat platform
- With the onset of functional design transitioned to Team 2 and learned both processing and phone support for the New York and North Central regions while continuing to meet and exceed RMBC performance management goals
Risk Assistant
Allstate
01.2002 - 01.2004
- Learned basic risk management skills including processing new business and renewals for both auto and property lines
- Built underwriting and foundational knowledge allowing me to underwrite multiple policy lines independently and answer agency questions for six different states in the Northeast region
- Learn additional processes such as proof of prior, endorsements and galaxy processing while maintaining acceptable performance management goals.
Assistant Underwriter
Mobile Consultants Inc
01.2000 - 01.2002
- Contact dealer base with credit decision on applications submitted
- Reviewed and verified loan conditions, income statements and tax returns
- Assisted in every aspect of underwriting including reviewing credit reports from major credit bureaus and making sure lender guidelines such as debt ratio, disposable income, job time, etc were met
Land Home Mortgage processor
Mobile Consultants Inc
01.1998 - 01.2000
- Work with a dealer base obtaining conditions to fulfill loan requirements
- Responsible for verifying income criteria, reviewing documents for accuracy, review appraisals, surveys, and title commitments to secure a mortgage loan
- Work with the dealers, customers, attorneys, and title companies to secure the proper documentation
- Work to meet deadlines in the allotted approval time frame
- Review final numbers to be financed and work to gather all figures prior to sending out a closing package
- Collaborate with the closer to determine conditions that need to be met for the closing
- Handle materials of a confidential nature and maintain the integrity of lending.
Education
Bachelor of Science - Education
Youngstown State University
Youngstown, OH1994
High school diploma -
Jackson Milton High School
North Jackson, OH1989
Skills
- Experienced understanding of risk management policies, rating and underwriting philosophy
- Problem solving
- Decision-Making
- Attention to detail
- Flexible and Adaptable
- Self-Motivated
- Dependable and Responsible
- Agency contact center support in multiple roles
- Database Management
- Project Work
Timeline
Senior Individual Risk Assistant
Allstate
01.2013 - Current
Individual Risk Assistant
Allstate
01.2004 - 01.2013
Risk Assistant
Allstate
01.2002 - 01.2004
Assistant Underwriter
Mobile Consultants Inc
01.2000 - 01.2002
Land Home Mortgage processor
Mobile Consultants Inc
01.1998 - 01.2000
Bachelor of Science - Education
Youngstown State University
High school diploma -
Jackson Milton High School
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