Krystin Carter

• Determined client needs and financial situations by listening and scheduling fact-finding appointments
• Calculated premiums and established payment methods for sales
• Determined financial needs by assessing existing coverage and aligning new products and services with long-term goals
• Displayed consistent, positive attitude towards customers, peers and other personnel, even during high-stress situations
• Initiated over $60,000 in annualized premium in first 5 months
• Evaluated final expense life insurance applications, assessing risk factors, medical history, and financial suitability to ensure compliance with underwriting guidelines.
• Conducted in-depth risk assessments, utilizing medical records, prescription histories, and third-party data sources to make informed underwriting decisions.
• Reviewed and analyzed MIB reports, credit history, and prescription drug databases to mitigate risk and maintain portfolio integrity.
• Provided final approval or declination on high-value policies, ensuring adherence to company risk tolerance and industry regulations.
• Collaborated with agents, brokers, and field representatives, offering guidance on policy eligibility and underwriting best practices.
• Assisted in policy structuring, recommending appropriate coverage amounts and premium structures based on risk evaluation.
• Developed and refined underwriting guidelines and risk assessment models, improving decision accuracy and processing efficiency.
• Trained and mentored junior underwriters, ensuring consistency in underwriting decisions and regulatory compliance.
• Maintained compliance with state and federal insurance regulations, ensuring ethical and accurate underwriting practices.
• Leveraged underwriting software and data analytics tools to enhance efficiency, accuracy, and fraud detection.

As the Lead Acquisitions Manager at White Sands REI, I am responsible for sourcing, evaluating, and negotiating property acquisitions. I play a critical role in identifying high-equity, off-market deals, building relationships with sellers, and ensuring a consistent pipeline of profitable opportunities.

Key Accomplishments:

• Increased contract conversion rate by XX% through improved negotiation and follow-up strategies.
• Generated $XXX,XXX in assignment fees within [specific timeframe].
• Implemented an automated follow-up system, leading to a XX% increase in closed deals.
• Grew the seller lead pipeline by XX%, increasing deal opportunities.
• Reduced contract fallout rate by strengthening seller education and trust-building techniques.

• Developed and managed digital marketing campaigns, leveraging SEO, PPC, and social media strategies to drive traffic and conversions.
• Created and optimized content marketing strategies, including email campaigns, blogs, and lead magnets to attract and retain customers.
• Built and maintained e-commerce websites and landing pages, utilizing platforms such as WordPress, Shopify, and ClickFunnels.
• Managed Facebook Ads, Google Ads, and influencer partnerships, achieving measurable ROI and audience growth.
• Conducted market research and competitor analysis to identify trends and improve campaign effectiveness.
• Implemented automation tools (Zapier, Mailchimp, CRM integrations) to streamline lead nurturing and sales processes.
• Analyzed performance data using Google Analytics and Meta Business Suite, optimizing campaigns for higher engagement and revenue.
• Scaled multiple online brands through affiliate marketing, paid traffic, and organic audience growth strategies.

• Greeted patients and visitors, providing a calm and reassuring presence in emergency situations.
• Accurately entered and updated patient information into the hospital’s electronic medical records (EMR) system.
• Verified insurance details, collect co-pays, and obtain necessary authorizations for treatment.
• Ensure all required forms and consents are completed and signed by patients or guardians.
• Ensured all required forms and consents are completed and signed by patients or guardians.low.
• Communicated with insurance providers to confirm coverage and benefits.
• Maintained confidentiality and comply with HIPAA regulations at all times.
• Assisted in triaging patient needs, directing them to the appropriate department when necessary.

• Conducted retail arbitrage to build inventory for resale via online platforms
• Developed strategic online and offline partnerships to support fulfillment and direct sales programs
• Developed strong rapport with customers and created positive impression of business
• Increased sales by 1000% after first full year and 500% second full year
• Initiated timely response to emails, voicemails and written correspondence
• Demonstrated knowledge of company mission and goals and mentored employees in reaching objectives aligned with company core values
• Implemented new working processes to deliver multiple improvements
• Cross-trained and provided back up for customer service managers
• Led team of 12 members while providing exceptional customer service
• Managed 8 accounts by reviewing and mitigating discrepancies and collaborating with account holders
• Analyzed account details such as usage, sales data and client comments to enhance understanding of effectiveness and client needs
• Liaised between account holders and various departments
• Addressed problems with accounting, billing and service delivery to maintain and enhance client satisfaction