Karen Murphy
La Marque,TX
Summary
To learn and advance within the company in pursuit of obtaining a management position and utilizing knowledge and experience to provide efficient, high-quality productivity.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Senior Underwriter
American National Insurance Company
05.2021 - Current
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.
- Negotiated policy terms and coverages to bring coverage terms into alignment with company directives on contracts and policies.
- Guided, mentored and coached underwriters in both technical and professional skills, instilling best practice and company standards.
- Worked alongside marketing department to effectively cross-sell company's offerings.
- Met with customers, agents and brokers to negotiate coverage, price, and service delivery.
- Provided high level of assistance to help with review, classification, coding, and rating of applications.
- Reviewed over 1000 applications for insurance coverage and reports from loss control specialists to determine risks.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Made decisions on acceptance, rejection or modification of business proposals.
- Controlled loss by assessing risk, conducting system analysis, and recommending policy solutions.
Advanced Underwriter
American National Insurance Company
05.2016 - 05.2021
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
- Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Evaluated applications to determine insurance coverage and appropriate risk classifications.
- Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.
- Collaborated with other professionals to develop innovative underwriting solutions.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.
Health Underwriter 1
American National Insurance Company
05.2014 - 05.2016
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Evaluated applications to determine insurance coverage and appropriate risk classifications.
- Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.
- Collaborated with other professionals to develop innovative underwriting solutions.
- Skilled at working independently and collaboratively in a team environment.
- Self-motivated, with a strong sense of personal responsibility.
- Worked well in a team setting, providing support and guidance.
- Worked effectively in fast-paced environments.
- Managed time efficiently in order to complete all tasks within deadlines.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Excellent communication skills, both verbal and written.
- Passionate about learning and committed to continual improvement.
- Proved successful working within tight deadlines and a fast-paced environment.
- Proven ability to learn quickly and adapt to new situations.
Health Underwriting Analyst
American National Insurance Company
03.1998 - 05.2014
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.
- Collaborated with other professionals to develop innovative underwriting solutions.
Education
Associate of Arts - Criminal Justice
College of The Mainland
Texas City, TX05.2014
Skills
- Risk Management
- Critical Thinking
- Microsoft Office
- Internal Audits
- Association Audits
- Mentoring
- Quality Control with keen eye for detail
- Medical records and claim review
- Strong organizational skills
- Strong communication skills internal and externally
- Medical Terminology and Anatomy training
- System testing for enhancements or changes
- Excel
- Powerpoint
- Sharepoint
Certification
- Loma ACS, American National Insurance Company, May 2017
- Loma ALMI, American National Insurance Company, currently pursuing
Timeline
Senior Underwriter
American National Insurance Company
05.2021 - Current
Advanced Underwriter
American National Insurance Company
05.2016 - 05.2021
Health Underwriter 1
American National Insurance Company
05.2014 - 05.2016
Health Underwriting Analyst
American National Insurance Company
03.1998 - 05.2014
Associate of Arts - Criminal Justice
College of The Mainland
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