Dedicated and detail-oriented professional with a strong background in financial analysis and risk assessment as a Personal Lines Underwriter. Adept to prioritizing work, multitasking and managing time efficiently. Committed to always delivering superior customer service.
Overview
27
27
years of professional experience
1
1
Certification
Work History
Personal Lines Underwriter
Frontline Insurance
2017.11 - 2022.10
Analyzed new business submissions for eligibility and renewal policies from compliance with underwriting guidelines.
Ordered and reviewed insurance industry reports necessary for proper risk classification.
Handled policy change request. Evaluated underwriting considerations, processed data entries and executed follow-up action as needed.
Reviewed property inspections and notifications from Claims department for property or liability concerns to mitigate risk exposure.
Developed and maintained relationships with agency partners to service any policy inquiries or concerns.
Answered telephone and email inquiries from agents, mortgage companies and insured. Provided requested basic coverage and billing information.
Collaborated with other departments to facilitate proper maintenance of policies including claim settlements.
Maintained accurate and organized records of policies and underwriting decisions.
Prepared and presented reports to management on policy portfolios.
Provided support to underwriting assistants on work processes.
Manager
Anchor Mini-Mart
1999.10 - 2014.04
Oversaw daily operations of convenience store.
Executed strategies to increase sales and control costs to maximize profitability.
Developed and maintained vendor relationships, managed inventory levels and created processes to mitigate loss shrinkage.
Fostered loyal customer relations by considering feedback, addressing concerns, and implemented corrective actions in a timely and efficient manner.
Supervised employee staffing and scheduling.
Responsible for all financial aspects including banking, accounts payable, accounts receivable and payroll.
Credit Analyst
Chase Manhattan Bank
1998.08 - 1999.09
Analyzed financial statements and credit scores to determine borrower's creditworthiness.
Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
Made decisions and recommendations about extending lines of credit.
Gathered loan documentation for underwriting.
Attended credit-related training and conferences to stay informed about industry trends and developments.
Participated in loan committee meetings to provide input on lending processes.
Complied with internal controls and applicable government regulations and laws .
Financial Examiner
Lt. Gov.'s Office - Div. Of Banking & Insurance
1995.05 - 1998.08
Reviewed specimen insurance policies for approval in the USVI territory.
Regulated the exempt international insurance companies "Captives" domiciled in the USVI for local insurance code compliance. Reviewed and processed all Captive applications.
Monitored the Force-Placed Mortgage insurance program of a local bank.
Examined financial statements of local finance companies for Federal Guidelines compliance. Reviewed process for storing confidential customer loan documentation.
Investigated financial irregularities, fraud, customer complaints and identified areas of non-compliance.
Managed the distribution of unearned premium refund checks to insured from insolvent insurance companies.
Education
BBA - Finance
Howard University
Washington, DC
05.1994
Skills
Work Ethic
Integrity
Interpersonal Skills
Attention to Detail
Critical Thinking
Problem Solving
Adaptability
Team Collaboration
Time Management
MS Office Proficiency
Customer Service
Certification
Certified Professional Service Representative
Timeline
Personal Lines Underwriter
Frontline Insurance
2017.11 - 2022.10
Manager
Anchor Mini-Mart
1999.10 - 2014.04
Credit Analyst
Chase Manhattan Bank
1998.08 - 1999.09
Financial Examiner
Lt. Gov.'s Office - Div. Of Banking & Insurance
1995.05 - 1998.08
BBA - Finance
Howard University
Certified Professional Service Representative
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