Nancy Yang
Sun Prairie,WI
Summary
Seeking a REMOTE full-time position with a personal commitment to exceed the goals of the organization with a strong focus on proactive agency management and customer service to grow with profitable business.
Overview
21
21
years of professional experience
Work History
Remote Senior Commercial Lines Underwriter
United Fire Group
04.2022 - Current
- Proactively manage portfolio performance, ensuring a healthy balance between risk exposure and profitability objectives
- Implement new rating models to optimize premium pricing accuracy based on risk profiles of insured businesses
- Enhance profitability and identify growth opportunities within the commercial lines market
- Review requests for endorsements and quotations on existing accounts
- Negotiated favorable terms on renewals, retaining insureds while addressing their changing coverage requirements
- Regular calls and visits with agents to maintain robust relationships and effectively market products and services
- Collaborate with cross-functional teams to develop comprehensive insurance solutions for our agents and insureds
- Delivered high-quality service to external and internal partners
- Offer guidance and coaching to fellow underwriters
- 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
Senior Commercial Lines Underwriter
Liberty Mutual Insurance
03.2016 - 04.2022
- Grow and sustain a profitable $11 million book of accounts with premiums between $25,000 - $250,000
- Underwrite and price standard market accounts within Commercial Lines underwriting guidelines and within Letter of Authority
- Foster prosperous relationships with producers, account managers, and customer service representatives
- Collaborate closely with Territory Managers to foster growth and profitability within a designated territory.
- Conducts agency visits, product training, and marketing calls to proactive manage agency portfolio
- Project team involvement on new business appetite, renewal underwriting, and team building initiatives.
- Creates an engaging team environment and aids in the training of new underwriters and interns
- Consistently meets and exceeds expectations on key metrics as well as annual performance reviews
Senior Commercial Lines Underwriter
QBE North America
09.2012 - 03.2016
- Portfolio Management through account review, classification, evaluation and pricing with established level of authority
- Managed agencies through the development of relationships via partnership, rapid response, and thorough underwriting.
- Project Management by reviewing and analyzing work procedures to identify progress toward business objectives and underwriting standards
- Serve as a quality control Subject Matter Expert (SME) during the project that offshored assistant responsibilities.
- Advisor on FlexBiz product creation (BOP Product)
- Adhere to underwriting standards, instructions, and best practices to minimize risk and maximize efficiency while complying with management’s methodology and workflows
- Develop and sustain relationships with internal and external partners to comprehend and meet their requirements.
Specialty Lines Underwriter
SECURA Specialty Lines
05.2010 - 09.2012
- Develop strong relationships with brokers, leading to a higher volume of quality submissions for Specialty Lines Portfolio
- Generate new business production by developing agency partnerships
- IPrice accounts to ensure underwriting profitability
- Develop product awareness through webinars, meetings, conferences, weekly callouts, and agency visits.
- Took on responsibility for growth and profitability of designated territory/region.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
Personal Account Manager
Neckerman Insurance Services
10.2009 - 05.2010
- Acted as primary service manager for hundreds of accounts
- Front line underwriter for seven P&C companies (Auto-Owners, Chubb, QBE/General Casualty, Hanover, Progressive, SECURA Insurance and Travelers)
- Quoted all personal lines products and cross-promoted Life sales
- Maintained client relations and provided Super Outstanding Service
Commercial Lines Underwriting, Auto-Owners Insurance Company
08.2006 - 09.2009
- Underwriting P/C Lines which include: Commercial General Liability (CGL), Tailored Protection Policy (TPP), Inland Marine, Crime, Auto, Garage Liability, Workers Compensation, and Commercial Umbrella
- Promoted Auto-Owners Marketing and Sales strategies
- Implemented Cross-selling
- Organized and trained agents/CSRs at Commercial Line Schools held at branch location and the field
- Traveled to agencies to cultivate customer relationships, coached agencies on Auto-Owners products and supervised book rolls
- Prepared presentations for agencies and fellow co-workers
Personal Lines Underwriter
Auto-Owners Insurance Company
11.2004 - 08.2006
- Underwritten Personal Lines which include: Auto, Home, Personal Articles Floater, Dwelling Fire and Personal Umbrella
- Additional duties included: initiated Agency visits, presented at Personal Lines Schools, trained agents, mentored co-workers on Auto-Owner’s products, and maintained agency relationships
PIP Claims Adjuster
06.2003 - 11.2004
- Manage case loads of daily claims
- Initiated contact with insureds
- Take recorded statements
- Approved PIP claims to be paid
- Worked with SIU
Education
Bachelor of Arts - Communication Arts
Michigan State University
East Lansing, MI05.2002
Associate of Applied Science - Health Claims Management
Davenport University
Lansing, MI05.1998
DESIGNATIONS - Insurance Services
INS -
Skills
- Customer Satisfaction
- Agent Collaboration
- Application Reviews
- Risk Evaluation
- Underwriting Processes
- Pricing Policies
- Performance Goals
- Standards and Compliance
- Coverage evaluation
- Policy analysis
- Pricing strategy
- Underwriting guidelines
Timeline
Remote Senior Commercial Lines Underwriter
United Fire Group
04.2022 - Current
Senior Commercial Lines Underwriter
Liberty Mutual Insurance
03.2016 - 04.2022
Senior Commercial Lines Underwriter
QBE North America
09.2012 - 03.2016
Specialty Lines Underwriter
SECURA Specialty Lines
05.2010 - 09.2012
Personal Account Manager
Neckerman Insurance Services
10.2009 - 05.2010
Commercial Lines Underwriting, Auto-Owners Insurance Company
08.2006 - 09.2009
Personal Lines Underwriter
Auto-Owners Insurance Company
11.2004 - 08.2006
PIP Claims Adjuster
06.2003 - 11.2004
Bachelor of Arts - Communication Arts
Michigan State University
Associate of Applied Science - Health Claims Management
Davenport University
DESIGNATIONS - Insurance Services
INS -
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