Joyce Hammer
St. Petersburg,FL
Summary
Analytical Senior Underwriter with 46 years of experience steering applications through approval process. Develops and enforces guidelines and policies among all underwriters, personally underwriting for key partners.
At AAA Auto Club Group, I excelled as a Sr Underwriter, leveraging my expertise in underwriting guidelines and risk assessments to enhance compliance and profitability. My adeptness in analyzing data and fostering strong broker relationships significantly improved business collaboration. Renowned for exceptional problem-solving and communication skills, I mentored underwriters, streamlining processes and driving efficiency.
Skilled hard working Senior. Underwriter specializing in automobile and home, offering all 46 years of experience to the same growing organization (AAA Auto Club Group). Highly adept in underwriting moderate to complex policies.
Overview
46
46
years of professional experience
Work History
Sr Underwriter
AAA Auto Club Group
08.1978 - 12.2024
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Controlled loss by assessing risk, conducting system analysis, and recommending policy solutions.
- Reviewed automobile and homeowners accounts to make accurate decisions by accounting for risk, hazards, and exposure.
- Maintained strong relationships with brokers, facilitating open communication channels and improving overall business collaboration.
- Conducted regular audits of underwriting files, ensuring compliance with rating and regulatory requirements and internal policies.
- Focused on maintaining profitable business segment for company.
- Guided, mentored and coached underwriters in both technical and professional skills, instilling best practice and company standards.
- Made decisions on acceptance, rejection, or modification of business proposals.
- Provided high level of assistance to help with review, classification, coding, and rating of applications.
- Streamlined underwriting processes for increased efficiency and faster turnaround times.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Examined credit reports, motor vehicle reports, claims activity to assist and the eligibility of risks.
- Analyzed data to identify trends and predict future insurance needs.
- Evaluated applications to determine insurance coverage and appropriate risk classifications.
- Evaluated and applied knowledge of underwriting guidelines to maintain compliance regulations for the state of Florida.
Education
High School Diploma -
Thomas Jefferson High School
Tampa, FLSkills
- Policy renewal
- Analyzing data
- Microsoft office
- Risk assessments
- Training and mentoring
- Underwriting guidelines
- Quality control
- Agent support
- Building strong relationships
- Quoting and pricing policies
- Renewing policies
- Application review
- Risk mitigation
- Coverage determination
- Problem-solving
- Excellent communication
- Attention to detail
- Self motivation
- Decision-making
- Critical thinking
- Reliability
- Adaptability
- Professionalism
- Documentation
- Team building
- Policy analysis
Accomplishments
- Earned designations as 220 personal lines license.
- Mentor/trained underwriting interns and trainees.
Timeline
Sr Underwriter
AAA Auto Club Group
08.1978 - 12.2024
High School Diploma -
Thomas Jefferson High School
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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220 Agents license
I took a 240 hour course at Hillsborough Community College for this license which is multiple lines of insurance and passed the test the first time. I continued the required continuing education courses as required at the time of holding this license. Since I was told that the license was not requirement in my position of Senior Underwriter as I did not communicate with customers in my day to day job duties, I did let the license expire. That was due to my decision to stay with this Company from beginning to end with this position, therefore not wanting to solicit new business as an agent and to remain as this Underwriter with the stable Company I was working for.
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