Melissa Michalski
San Diego,CA
Summary
Experienced Senior Commercial Lines Underwriter with expertise in property driven risks, specifically habitational risks, and all BOP lines of business. Gifted in evaluating risk and loss potential and developing information for new and renewal policies. Team-oriented with success in building relationships with brokers and sales agents to achieve business goals.
Overview
36
36
years of professional experience
1
1
Certification
Work History
Senior Commercial Lines Underwriter
CIG
01.1988 - Current
- Enhanced underwriting efficiency by streamlining processes and implementing automated systems.
- Reduced loss ratio by analyzing potential risks and customizing insurance policies accordingly.
- Improved client satisfaction rates with timely communication and effective negotiation of policy terms.
- Increased profitability, identifying opportunities for growth within the commercial lines market.
- Developed strong relationships with agents to foster business growth and ensure retention.
- Provided expert guidance on risk assessment and pricing strategies, driving competitive advantage in the market.
- Mentored junior underwriters, enhancing their knowledge and skills in commercial lines underwriting practices.
- Maintained compliance with industry regulations, ensuring adherence to company guidelines and best practices in underwriting procedures.
- Evaluated complex submissions for acceptability, identifying potential exposures and recommending appropriate coverage options.
- Negotiated favorable terms on renewals, retaining valuable clients while addressing their changing coverage requirements.
- Achieved top-tier performance metrics by consistently meeting or exceeding underwriting volume goals without compromising quality standards.
- Optimized workflow processes within the team, resulting in improved productivity and reduced turnaround times for policy issuance.
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Evaluated applications to determine insurance coverage and appropriate risk classifications.
- Collaborated with other professionals to develop innovative underwriting solutions.
- Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.
Education
High School Diploma -
Mission Bay High School
San Diego, CASkills
- Very experienced in Commercial Underwriting
- Attention to Detail
- Loss Control
- Adaptability
- Risk Assessment
- Technical Expertise
- Portfolio Management
Certification
Completed INS 21, 22, 23 series
Timeline
Senior Commercial Lines Underwriter
CIG
01.1988 - Current
High School Diploma -
Mission Bay High School
Completed INS 21, 22, 23 series
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