- Hiking and Kayaking
- I participate in a variety of outdoor recreational activities
- Passionate about balancing physical health with mental and emotional wellness
- Reading- Wellness, Faith based, History and self-help books,
- Teach home and group classes reading/books noted above
Mark Tovar
Johnstown,Colorado
Summary
Professional and experienced Life Underwriter at State Farm Insurance Companies with expertise in risk assessment, medical and financial analysis. Proven ability to enhance underwriting processes and strengthen internal relationships through effective communication. Committed to delivering quality decisions and fostering collaboration in fast-paced environments, ensuring optimal outcomes for complex cases. Utilizes analytical skills and industry knowledge to make informed underwriting decisions. Track record of maintaining and fostering positive client relationships.
Overview
27
27
years of professional experience
Work History
Senior Life Underwriter
State Farm Insurance Companies
07.1998 - Current
- Review, process and make decisions regarding Life insurance applications using risk assessment tools in accordance with procedures, guidelines and legislative requirements.
- Make Quality decisions, document accordingly, in a timely manner to assign proper underwriting risk classification and pricing/placement, which include Declination of an applicant if necessary.
- Demonstrate thorough knowledge and handling of complex Life underwriting cases with minimal supervision, ie. Remote environment.
- Communication: Provide clear and professional customer service by promptly addressing internal and external contacts. specifically in underwriting decisions.
- Utilize working knowledge of Life/Health insurance products and compliance issues.
- Review underwriting processes and make constructive recommendations for improvement.
- Manage multiple computer applications while maintaining quality records in a fast-paced, collaborative team environment.
- Help and train others
Financial Analyst
Lease Tech Corporation
03.1998 - 07.1998
- Conducted detailed financial analysis to identify and evaluate changes in operations, trends and potential areas of improvement.
- Facilitated smooth month-end close processes by efficiently reconciling accounts and addressing discrepancies promptly.
- Streamlined financial reporting for better decision-making with clear, concise analysis and presentation.
- Strengthened relationships with Internal and external partners through timely communication and collaboration.
Education
Bachelor of Science - Finance
University of Northern Colorado
Greeley, CO12-1997
Skills
- Underwriting medical and financial analysis
- Analyzing data
- Risk assessment and documentation
- Communication: Internal and external relationship building
- Experienced knowledge, professionalism and work ethic
Interests
Timeline
Senior Life Underwriter
State Farm Insurance Companies
07.1998 - Current
Financial Analyst
Lease Tech Corporation
03.1998 - 07.1998
Bachelor of Science - Finance
University of Northern Colorado
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