Michele Munski
New Hartford
Summary
Results-driven Middle Market Underwriter with extensive experience evaluating and underwriting commercial insurance risks across diverse industries. Proven ability to manage profitable portfolios by balancing growth, retention, and underwriting profitability objectives. Skilled in risk analysis, coverage evaluation, pricing, account negotiation, and agency relationship management. Adept at collaborating with agents, loss control, claims, and internal partners to develop tailored insurance solutions while maintaining disciplined underwriting standards. Strong track record of achieving premium growth targets, improving portfolio performance, and delivering favorable loss ratio results.
Overview
25
25
years of professional experience
Work History
Middle Market Underwriter - NY Division
Acadia Insurance
11.2024 - Current
- Underwrite and analyze Middle Market commercial accounts to determine acceptability, coverage structure, pricing, and terms and conditions
- Assist in training new team members on underwriting procedures and best practices
- Monitor industry trends to enhance risk assessment strategies and improve decision-making processes
- Evaluate financial statements, loss analysis, operational exposures, and industry trends to assess risk quality and profitability
- Manage a profitable portfolio of middle market accounts, consistently meeting growth, retention, and loss ratio objectives
- Reduce company losses by identifying potential risks and recommending appropriate mitigating measures
New Business Development Representative
The Hartford
04.2018 - 10.2024
- Analyzed and quoted new business opportunities 25k+ to drive growth and revenue
- Participated in ongoing system development
- Managed sales pipeline by tracking leads and ensuring timely follow-ups
- Utilized SalesForce and conducted Powerpoint presentations to maintain a profitable portfolio and seek prospective leads
- Trained junior team members on best practices in business development strategies and tools
- Collaborated with cross-functional teams to develop comprehensive strategies for pursuing new opportunities
Underwriting Assistant
The Hatford
06.2001 - 04.2018
- Assisted Underwriting in reviewing Small Commercial New Business Accords
- Quoted and issued all lines of business
- Trained and mentored new associates
- Partnered with Underwriting on Book Consolidations
- Took Incoming calls which included Billing concerns, Endorsements, and Renewals
- Reviewed data entries for errors, contributing to improved accuracy in risk assessments
Education
Bachelor's - Business/Public Management
SUNY Institute of Technology
Utica, NY05-2000
Associates - General Studies
Mohawk Valley Community College
Utica, NY05-1998
Skills
- Thorough Risk Assessment for New Business and Renewals
- Adhere to Underwriting Guidelines and Principals
- Analyze losses for severity/trends
- Complete thorough documentation
- Excellent communication and desktop management
- Effective teamwork and collaboration skills
Timeline
Middle Market Underwriter - NY Division
Acadia Insurance
11.2024 - Current
New Business Development Representative
The Hartford
04.2018 - 10.2024
Underwriting Assistant
The Hatford
06.2001 - 04.2018
Bachelor's - Business/Public Management
SUNY Institute of Technology
Associates - General Studies
Mohawk Valley Community College