Mesha Irish
Cumming,Georgia
Summary
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
11.2017 - 10.2022
- 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
10.1999 - 04.2014
- 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
08.1998 - 09.1999
- 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
05.1995 - 08.1998
- 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, DC05.1994
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
11.2017 - 10.2022
Manager
Anchor Mini-Mart
10.1999 - 04.2014
Credit Analyst
Chase Manhattan Bank
08.1998 - 09.1999
Financial Examiner
Lt. Gov.'s Office - Div. Of Banking & Insurance
05.1995 - 08.1998
BBA - Finance
Howard University
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