Melissa Horta-Emde
Trenton,NJ
Summary
Experienced insurance professional with extensive experience in underwriting service operations as an Underwriting Analyst, policy administration, and process optimization within the U.S. P&C insurance market. Proven ability to lead teams, drive operational efficiencies, and enhance service delivery standards. Adept at streamlining workflows and improving performance metrics. Strong collaborator with cross-functional teams, ensuring compliance, regulatory adherence, and superior customer service. Proficient in Microsoft Office and other business applications to support underwriting functions and data-driven decision-making.
Overview
18
18
years of professional experience
Work History
Operations Supervisor, Underwriting Support – Marine Unit
Mitsui Sumitomo Insurance Group
08.2022 - Current
- Oversee underwriting support operations, managing workloads, ensuring service level agreements (SLAs) and productivity targets are met.
- Conduct quality control reviews of policy files, including new business, renewals, and endorsements, ensuring regulatory compliance and operational efficiency.
- Perform biannual performance reviews, providing mentorship, coaching, and staff development to optimize team performance.
- Lead process improvement initiatives to enhance underwriting workflows and eliminate inefficiencies.
- Act as a strategic partner with underwriting, accounting, and product development teams to drive business value and customer engagement.
- Assist in hiring and onboarding processes to build and retain high-performing teams.
Underwriting Analyst - Team Lead, Commercial Property
Munich Re America
04.2019 - 08.2022
- Supervised Property Underwriting support team ensuring efficient processing of new and renewal business, policy reviews, and endorsements while meeting performance targets.
- Provided underwriting support for complex commercial property accounts for several underwriters, to include clearance, pricing, quotes and binders, policy processing, renewals, and endorsements.
- Managed workflow optimization to enhance productivity, implementing process improvements to reduce turnaround time and minimize errors.
- Provided leadership and training to the underwriting analyst team, fostering an environment of professional growth and continuous learning.
- Acted as a liaison between underwriting teams and internal stakeholders to resolve discrepancies and improve overall efficiency.
- Assistant Project Lead for development of Global Workflow system.
Underwriting Supervisor
Philadelphia Insurance Company
01.2014 - 03.2019
- Led a team supporting Commercial Lines underwriting, ensuring adherence to corporate policies and regulatory requirements.
- Conducted workflow analysis and implemented workflow processes to improve service, quality and operational efficiency for both internal and external customers.
- Performed regular audits to ensure accuracy, underwriting compliance and service quality were being met.
- Managed team performance, overseeing hiring, training, and performance evaluations to drive continuous improvement and operational excellence.
Underwriting Analyst, Commercial Property
Munich Re America
08.2007 - 01.2014
- Provided underwriting support for complex commercial property accounts for several underwriters, to include clearance, pricing, quotes and binders, policy processing, renewals, and endorsements.
- Served as a subject matter expert for a department workflow project, assisting in system development and training initiatives.
- Developed a Corporate Property Training Manual to standardize processes and improve team efficiency.
- Collaborated with cross-functional teams to ensure operational alignment and policy accuracy.
Education
Bachelor of Arts - Business and Technology
Fairleigh Dickinson University
Skills
- Underwriting Service Operations
- Policy Administration & Review
- Process Improvement
- KPI & Performance Management
- Team Leadership & Staff Development
- Compliance & Regulatory Adherence
- Customer Experience Enhancement
- Cross-functional Collaboration
Timeline
Operations Supervisor, Underwriting Support – Marine Unit
Mitsui Sumitomo Insurance Group
08.2022 - Current
Underwriting Analyst - Team Lead, Commercial Property
Munich Re America
04.2019 - 08.2022
Underwriting Supervisor
Philadelphia Insurance Company
01.2014 - 03.2019
Underwriting Analyst, Commercial Property
Munich Re America
08.2007 - 01.2014
Bachelor of Arts - Business and Technology
Fairleigh Dickinson University
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