Michael Kelly
Hartford,Connecticut
Summary
Industrious senior underwriter skilled at meeting benchmarks for risk control and business profitability. Successful background working alongside agents to assist with marketing and sales objectives. Desiring to bring several years of related experience to a dynamic new role with room for advancement.
Overview
4
4
years of professional experience
Work History
Senior Underwriter
Aetna, A CVS Health Company
Hartford, Connecticut
06.2021 - Current
- Responsible for preparing and delivering fully insured, level funded, and self-insured new business and renewal quotes in the middle market space of 0 to 3,000 lives.
- Underwrites and analyzes risk on assigned book of business using Aetna products, financial models, and pricing components specific to the 'Heartland' market.
- Makes judgment on rates and plan changes based on financial analysis and compiled data. Within approved limits.
- Collaborates with Account Executives, Actuarial Leadership, and brokers to ensure accuracy and efficiency.
- Works hand in hand with the sales team to price accordingly to the market, while being firm with risk versus rating and sound in technical underwriting skills.
- Lead a team of 10 individuals on improving and communicating better standard practices for commercial underwriting as a whole.
Underwriter
ACAP Fund GP, LLC
Chicago, Illinois
12.2020 - 05.2021
- Audit financial documents, tax returns, and background histories of small businesses for accuracy.
- Assembles, executes, and reviews loan documentation and associated data for the purpose of verifying information, ensuring compliance with Northeast Bank, SBA, state, and federal guidelines.
- Mutually worked with Underwriting leadership, discussing eligibility in fluid and changing circumstances.
- Dispersed 8 billion dollars to small businesses through PPP loans.
Education
Bachelor of Science - Business Administration, Management, Economics
West Virginia University
Morgantown, WVSkills
- Training and mentoring
- Enforcing policies
- Renewing policies
- Pricing assessments
- Industry Trends
- Portfolio Management
- Influencing business growth and membership
- Stop-Loss funding
- Level funded pricing
- Cost-benefit analysis
- Negotiation proficiency
Timeline
Senior Underwriter
Aetna, A CVS Health Company
06.2021 - Current
Underwriter
ACAP Fund GP, LLC
12.2020 - 05.2021
Bachelor of Science - Business Administration, Management, Economics
West Virginia University
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