Madelein Romero
Sarasota,FL
Summary
Analytical Insurance Underwriter recognized for high productivity and efficiency in task completion. Skilled in risk assessment, policy development, and regulatory compliance, ensuring thorough analysis and sound decision-making. Excel in communication, problem-solving, and adaptability, contributing to successful collaboration with clients and team members.
Overview
19
19
years of professional experience
Work History
Insurance Underwriter
PEAK6
Sarasota, FL
10.2022 - Current
- Southern Oak insurance company account as underwriter and helped with Claims processing
- California Fair Plan account as underwriter helped with a high volume of underwriting endorsements and email requests.
- Reviewed and evaluated customer's applications to determine eligibility for insurance coverage.
- Developed recommendations for policy terms and conditions based on evaluation results.
- Maintained detailed records of underwriting decisions and processes.
- Identified opportunities to improve underwriting processes or procedures.
- Ensured compliance with all applicable laws, regulations, and guidelines related to insurance underwriting activities.
- Evaluated claims data from previous policies to identify trends or patterns that may indicate a higher level of risk associated with certain types of policies.
- Attended professional development courses related to insurance underwriting best practices.
- Conducted accurate and thorough risk selection with proper classification of insureds.
- Solicited and evaluated insurance applications to approve or decline risks based on company guidelines.
- Bilingual English/ Spanish.
- Knowledge of various computer programs and management systems.
- FNOl and claim processing.
Insurance Underwriter
Florida Peninsula & Edison insurance Company
Sarasota, FL
01.2016 - 10.2020
- Reviewed and evaluated customer's applications to determine eligibility for insurance coverage.
- Servicing policies by phone , interpreting underwriting guidelines, decisions on potential exemptions base on new information and approving unbound submissions.
- Training to develop underwriting technicians and providing quality review.
- Working in conjunction with management to produce/ track the inspections list.
- Review prior claims and request proof of repairs
- Developed recommendations for policy terms and conditions based on evaluation results.
- Maintained detailed records of underwriting decisions and processes.
- Provided guidance and support to junior staff members in the underwriting process.
- Solicited and evaluated insurance applications to approve or decline risks based on company guidelines.
Insurance Underwriter Assistant/in House Agency
Universal Insurance Compan of North America
Sarasota
01.2014 - 10.2016
- Developed and implemented comprehensive insurance plans for clients according to their individual needs.
- Assessed customer risk levels and recommended appropriate coverage options.
- Provided customers with information regarding plan features, pricing, and availability.
- Educated customers on the importance of maintaining adequate insurance coverage.
- Maintained detailed records of underwriting decisions and processes.
- Attended professional development courses related to insurance underwriting best practices.
- Assessed customer creditworthiness using established criteria prior to approving coverage.
- Entered and maintained risk information in various information systems.
- Billing
- Inspection reviews
- High volume of endorsements processing.
Personal Lines Account Manager
Al Malins Insurance agency
Sarasota
06.2005 - 01.2014
- Provided customer service to clients, including answering questions and resolving issues.
- Developed relationships with clients and other insurance professionals to ensure client satisfaction.
- Reviewed policies for accuracy and ensured that coverage met the individual needs of each client.
- Maintained accurate records of all policy information in company database.
- Coordinated with underwriters for approval on large commercial accounts.
- Advised clients on available options based on their individual circumstances.
- Tracked renewal dates for all personal lines accounts and provided timely reminders to customers prior to expiration date.
- Developed appropriate quotes based on risk information.
- Calculated premiums and established payment methods, receiving customer payments and issuing receipts.
- Explained coverage options to potential policyholders, answering questions or concerns.
- Contacted underwriters and submitted forms to obtain binder coverage.
Education
Property And Casualty 220 License
Central Insurance School
Tampa, FL05-2004
BBA - Accounting
University Las Villas
Las Villas 06-1996
Skills
- Policy Development
- Time Management
- Policy analysis
- Teamwork and Collaboration
- Application Review
- Customer Service
- Multitasking
- Communication Skills
- Reliability
- Organizational Skills
- Adaptability
- Effective Communication
- Continuous Improvement
Timeline
Insurance Underwriter
PEAK6
10.2022 - Current
Insurance Underwriter
Florida Peninsula & Edison insurance Company
01.2016 - 10.2020
Insurance Underwriter Assistant/in House Agency
Universal Insurance Compan of North America
01.2014 - 10.2016
Personal Lines Account Manager
Al Malins Insurance agency
06.2005 - 01.2014
Property And Casualty 220 License
Central Insurance School
BBA - Accounting
University Las Villas