Joyce Hammer

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.

Worked as a bus person clearing tables, setting. Worked in Kitchen as a server and also desert department preparing orders.