Lisa Smith
Hampton,GA
Summary
Professional with strong foundation in lending and underwriting, financial and credit analysis, and decision-making. Skilled in evaluating creditworthiness, analyzing financial statements, and managing risk exposure. Known for precision, reliability, and delivering impactful outcomes in underwriting. Highly collaborative team player, adaptable to changing needs, and focused on delivering results. Extensive experience in loan review and credit data to ensure compliance with lending standards. Known for collaborative approach and delivering results that align with company goals. Reliable and adaptable, possessing strong analytical skills and attention to detail.
Overview
25
25
years of professional experience
Work History
Underwriter Assistant
Everest Insurance
Atlanta, Georgia
09.2023 - 03.2026
- Provide daily support to the Underwriter to help achieve portfolio targets including terms and conditions, calculating premiums and ensuring the accurate entry of submissions , quotes, risks, and endorsements.
- Analyze underwriting information including experience reports, final audits, loss control reports, financial reports, loss runs, MVRs and FEIN for new and renewal submissions. Assist also with credit control, data quality, and process improvement.
- Manage underwriting relationships with timely responses relative to service inquiries and maintaining a Client Centric focus
- Compliance with ODEN state rules and regulations relative to cancellations and reinstatements. Also process catastrophe models and producing reports.
Auto Underwriter
State Farm Insurance
Atlanta, Georgia
03.2016 - 06.2023
- Review and decision insurance applications for new and existing customers including complex state applications to meet policy state regulations
- Analyze and review lines of business to develop recommendations and assist agents with achieving a profitable book of business
- Perform premium breakdown electronically and manually calculate rates based on selected coverage
- Review for proper pricing, placement and termination of risk within assigned levels of authority as well as acceptance continuation
- Review credit reports, motor vehicle record, lexisnexis report and previous insurance history to assist with application decision
- Also assist with existing policy transactions
Underwriting Service Assistant
State Farm Insurance
Atlanta, Georgia
03.2013 - 03.2016
- Review policy applications for accuracy and completeness and determine that the risk meets underwriting guidelines
- Process policy transactions electronically for new and existing customers
- Process changes and updates or requests for cancellation
- Provided support to underwriting teams, claims and other departments responding to customer and agent inquiries
- Contact agents to receive missing information to complete the customer file
- Ordered reports for review for inspections, credit, motor vehicle report and loss history to determine if the company wants to accept the business
- Reviewed existing customers for renewal
Credit Underwriter
Lynk Systems
Atlanta, Georgia
10.2000 - 06.2009
- Review and decision loan applications for new and existing customers submitted by dealer or merchant for funding.
- Analyze the financial condition and borrowers repayment capabilities utilizing credit reports, financial statements, bank statements, tax returns and collateral documentation
- Evaluated creditworthiness of individual and business applicants using various scoring models.
- Review for approval or denial within the specified underwriting guidelines and limits, further review for any compliance issues to ensure that all loans processed adhere to state and federal regulations
- Prepared analytical credit review for final underwriting and risk rating recommendations for approval
Education
Bachelor of Business Administration - Finance
Central State University
Wilberforce, OHSkills
- Analytical thinking
- Problem solving
- Credit Analysis
- Underwriting guidelines
- Financial statement analysis
- Credit decisions
- Loan evaluation
- Documentation review
- Risk assessment
- Analyzing data
Timeline
Underwriter Assistant
Everest Insurance
09.2023 - 03.2026
Auto Underwriter
State Farm Insurance
03.2016 - 06.2023
Underwriting Service Assistant
State Farm Insurance
03.2013 - 03.2016
Credit Underwriter
Lynk Systems
10.2000 - 06.2009
Bachelor of Business Administration - Finance
Central State University