Nicole Montel
Colorado Springs,CO
Summary
Innovative and analytical professional with a strong ability to build and maintain client relationships. Solid understanding of commercial lines insurance and proficiency in managing client accounts and policy renewals. Commitment to driving client satisfaction and optimizing policy management processes. Developed skills in a high-paced commercial insurance environment, focusing on producer and agency relationship management and policy administration. Excels in communication and problem-solving. Experienced in commercial insurance account management, delivering tailored solutions to meet client needs. Utilizes risk assessment and policy management skills to ensure comprehensive coverage. Track record of fostering strong client relationships and seamless team collaboration.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Commercial Account Executive
Westco Insurance
01.2024 - 05.2024
- Provided exceptional customer service, addressing client concerns promptly and effectively to ensure long-term loyalty.
- Managed multiple accounts simultaneously while maintaining organization and prioritizing tasks efficiently.
- Exceeded sales targets consistently by identifying new business opportunities and creating customized solutions for clients.
- Boosted client satisfaction by developing and maintaining strong relationships through effective communication.
- Established long-lasting relationships with key decision-makers within client organizations, solidifying the company''s reputation as a trusted partner in their respective industries.
- Maintained up-to-date knowledge on product offerings, ensuring accurate representation during sales pitches or negotiations with clients.
- Negotiated contracts successfully, securing favorable terms for both the company and clients.
- Conducted regular check-ins with existing clients to assess their needs and identify upselling opportunities.
- Delivered informative presentations to potential clients, showcasing the unique value of products or services offered.
- Developed detailed reports analyzing account performance data, providing valuable insights for future strategy adjustments or improvements.
- Developed a solid pipeline of prospects through diligent research and targeted outreach efforts.
- Collaborated with cross-functional teams to develop comprehensive marketing strategies, resulting in increased brand awareness and revenue growth.
- Trained junior team members on best practices for account executive responsibilities, fostering a collaborative work environment focused on continuous improvement.
- Streamlined internal processes for customer relationship management, significantly reducing response times to client inquiries.
- Developed and maintained comprehensive understanding of competitive landscape to effectively position products and services.
- Collaborated with underwriters to ensure accurate policy issuance and appropriate coverage levels.
- Maintained up-to-date knowledge of industry regulations, staying ahead of potential impacts on client policies.
- Negotiated competitive insurance rates with carriers, maximizing value for clients.
- Provided informed guidance to assist clients in choosing commercial insurance products to suit business needs.
- Managed commercial lines $13 Million Dollar Book of business.
- Maintained consistent knowledge of industry products and attended continuous education events to increase product knowledge.
- Managed large commercial accounts portfolio, consistently exceeding performance targets in new business development and retention metrics.
- Conducted comprehensive policy reviews to identify gaps in coverage and recommend appropriate adjustments.
- Implemented effective workflow processes within the team, resulting in improved productivity levels while maintaining high-quality standards in servicing clients'' needs.
- Conducted thorough risk assessments for potential clients, accurately identifying exposure areas and recommending optimal coverage options accordingly.
- Optimized communication channels between brokers, carriers, and clients, ensuring seamless information exchange for timely policy issuance and management.
- Streamlined policy renewals for timely processing, ensuring continuous coverage for clients.
- Managed client risk exposure and coordinated services for development, retention and rounding of accounts.
- Processed daily mail, email and phone calls from customers and producers to generate new business.
- Prepared orders and issued binders, proofs of insurance and endorsements for delivery to clients.
- Maintained required data in agency management system to follow corporate guidelines.
- Analyzed client needs to identify coverage solutions and produced policy and quotes.
- Negotiated rates to set up finance contracts.
- Processed cancellation requests from carriers and provided resolution to maintain financial equity.
- Reviewed audits of policies for accuracy to facilitate corrections between client and carrier.
- Developed and implemented promotional strategies to increase customer base.
- Conducted research and identified market trends to develop better strategies for sales.
- Determined financial needs by assessing existing coverage and aligning new products and services with long-term goals.
- Developed strong relationships with clients, earning their trust and loyalty through consistent communication and portfolio updates.
- Provided exceptional customer service, addressing any concerns or questions from clients promptly and professionally.
- Negotiated favorable terms for clients during transactions, maximizing their profits in both buying and selling scenarios.
- Answered inquiries and provided information to sales representatives, distributed appropriate paperwork, and fulfilled quote requests to deliver excellent customer support.
- Responded via telephone and email to questions regarding licensing, commissions, website logins and website navigation.
- Adapted quickly to changing market conditions, adjusting client strategies accordingly while maintaining open lines of communication throughout periods of uncertainty.
- Developed a reputation for integrity and ethical conduct within the brokerage community, leading to increased trust from clients and colleagues alike.
- Conducted research to answer questions and handle issues using multiple systems and resources.
- Recorded supporting documentation for phone calls and written correspondence.
- Prepared contracts and related documentation according to strict standards.
- Completed training programs to remain updated and further develop proficiency of important industry information.
- Utilized advanced technology tools to streamline operations and improve efficiency within the brokerage team.
- Improved operational efficiency and client satisfaction, streamlining account management processes.
- Reinforced ethical trading practices, ensuring all brokerage activities complied with legal standards and best practices.
- Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
- Collaborated with clients to maintain relationships and provide customers with thorough support and guidance.
- Collected premiums on or before effective date of coverage.
- Finalized sales and collected necessary deposits.
- Analyzed risk factors to recommend appropriate coverage levels.
- Conducted annual reviews of existing policies to update information.
Commercial Account Executive
Legacy Insurance
10.2023 - 11.2023
- Orchestrated and worked with teams to maximize impact.
- Increased client satisfaction by providing tailored solutions to meet their commercial needs.
- Collaborated with team members to drive sales initiatives and close high-value deals consistently.
- Provided ongoing support to clients, addressing concerns promptly and maintaining strong relationships built on trust.
- Enhanced client satisfaction by addressing inquiries and providing prompt resolutions to commercial insurance concerns.
- Continuously improved operational efficiency through process optimization efforts that reduced manual tasks while maintaining high-quality outcomes for clients.
- Served as a trusted advisor to both internal team members and external partners by sharing industry insights and best practices related to commercial insurance management.
- Identified cross-selling opportunities to expand existing accounts, driving revenue growth for the agency.
- Implemented strategic marketing initiatives to attract new business and increase overall brand visibility in the market.
- Maintained detailed records of account transactions, facilitating accurate reporting and analysis for management review.
- Promoted a culture of collaboration by actively participating in team meetings and sharing ideas to improve overall performance.
- Conducted comprehensive risk assessments for prospective clients, tailoring coverage recommendations based on unique requirements.
- Mentored junior staff members, providing guidance on best practices and promoting continuous professional growth.
- Ensured compliance with state regulations by maintaining current knowledge of relevant laws and guidelines governing commercial insurance practices.
- Coordinated loss control services for clients as needed, minimizing potential risks and promoting overall safety within their organizations.
- Prepared thorough proposals that effectively communicated policy features, benefits, and pricing information to potential clients.
- Developed strong working relationships with carriers, fostering a network of resources and support for clients'' insurance needs.
- Delivered results-driven solutions tailored specifically to meet each client''s unique risk management objectives.
- Streamlined policy renewal processes for increased efficiency and reduced client wait times.
- Managed a diverse portfolio of commercial accounts, maintaining high levels of professionalism while balancing competing priorities and deadlines.
- Collaborated with underwriters to negotiate competitive rates for clients, ensuring optimal coverage at the best price.
- Educated clients on insurance policies and procedures.
- Analyzed customer needs to provide customized insurance solutions.
- Calculated premiums and established payment methods for sales.
- Collected premiums on or before effective date of coverage.
- Finalized sales and collected necessary deposits.
- Analyzed risk factors to recommend appropriate coverage levels.
- Conducted annual reviews of existing policies to update information.
- Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas.
- Monitored customer feedback and identified areas of improvement.
- Negotiated contracts and terms of sale with potential customers.
- Identified and solicited sales prospects in agency databases.
- Researched and identified potential new markets.
Access Plus Commercial Underwriting Team Lead
Insurance Centers of America, SIAA Master Agency
04.2022 - 08.2023
- Strong industry knowledge of carrier multi lines and trends, products, marketing techniques/principles
- Strong at developing and maintaining relationships with both new onboarding producers, agencies and carrier representatives.
- Collaborative Team l. Exceptional teamwork, concise proactive communication, clear expectations.
- Provided strong technical guidance,training, inside service for our team of underwriters, our agents in target markets/products to contribute to their agency growth, sales,account development, to contribute to revenue and book of business.
- Managed and assigned all incoming new business quote submissions, service endorsements, by our agents. Managed accounts for our agents, watching loss trends on accounts, to provide options for loss control.
- Managed multi line accounts for our agents. Variety of Small business, and middle market accounts.
- Managed large Aggregate Agency book of business renewals to ensure retention of renewals and cross sale opportunities.
- Analyzed, responded to agent requests. Reviewed daily written books of business of our agency partners. Strategic business strategies established for agents, carrier book transfers from our agency earning their direct appointments. Established strategic plans for agency marketing and service programs
- Built high quality successful relationships with agency partners. Review, assess agency accounts regularly to maintain and grow books of business with carriers to assist in direct appointments for our agents.
- Collaborative meetings regularly with agents regarding their accounts written with ICA.
- Setting target goals to assist agents to earn their direct carrier appointments.
- Review regularly appetite and target market clarity, identifying and addressing profit or quality of business concerns to ensure profitability.
- Established and maintained relationships and interfaces with Clients, carriers, and other excess market partners.
- Used discretion and sound independent judgment when analyzing industry trends and providing related agent guidance
- Provide ongoing service, educational, carrier training, and specific product lines to support to agents
- Managed a diverse portfolio of accounts, maintaining strong relationships with clients while minimizing risk exposure.
- Analyzed new business opportunities, identifying trends and potential growth areas for the company.
- Collaborated with brokers to negotiate competitive pricing, ensuring client satisfaction and retention.
- Stayed current on industry developments and regulatory changes, ensuring compliance with relevant guidelines.
- Improved customer relations by providing timely responses to inquiries and addressing concerns promptly.
- Implemented effective underwriting strategies, enhancing profitability while maintaining appropriate levels of risk acceptance.
- Participated in industry events to expand professional network and enhance knowledge of market trends.
- Assessed complex commercial insurance risks, making informed decisions on coverage and premium rates.
- Reduced claim costs for the company through meticulous policy reviews and thorough evaluations of potential risks.
- Facilitated cross-functional collaboration between departments, resulting in improved communication and streamlined workflows.
- Mentored junior underwriters in developing analytical skills, contributing to a knowledgeable and proficient team.
- Contributed to overall departmental goals by consistently meeting or exceeding individual performance targets.
- Built strong relationships with agents by offering ongoing support and guidance throughout the underwriting process.
- Maintained high retention rates among customers by effectively addressing concerns regarding policy terms or premiums.
- Prepared comprehensive reports on account performance, providing valuable insights for management decision-making processes.
- Increased revenue through strategic upselling efforts by identifying additional coverage needs for existing clients.
- Enhanced underwriting efficiency by streamlining processes and utilizing risk assessment tools.
- Mitigated potential losses by conducting thorough risk assessments on existing policies during renewal periods.
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Evaluated applications to determine insurance coverage and appropriate risk classifications.
- Negotiated terms and conditions of coverage with clients to acquire maximum profitability.
- Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.
- Studied insurance industry changes, remaining up-to-date with latest trends and protocols.
- Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.
- Analyzed data to identify trends and predict future insurance needs.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Met with customers, agents and brokers to negotiate coverage, price, and service delivery.
- Collaborated with other professionals to develop innovative underwriting solutions.
- Trained new team members by relaying information on company procedures and safety requirements.
- Promoted a positive work environment by fostering teamwork, open communication, and employee recognition initiatives.
- Served as a role model for the team by demonstrating commitment to excellence, professionalism, and adherence to company values at all times.
- Coached team members in techniques necessary to complete job tasks.
- Enhanced overall team performance by providing regular coaching, feedback, and skill development opportunities.
- Collaborated with other department leads to streamline workflows, improve interdepartmental coordination, and achieve business goals collectively.
- Evaluated employee skills and knowledge regularly, training, and mentoring individuals with lagging skills.
- Increased customer satisfaction by ensuring timely completion of projects and adherence to high-quality standards.
- Influenced positive change within the organization through strategic thinking, innovation, problem-solving abilities, and consistent leadership style.
- Managed schedules, accepted time off requests and found coverage for short shifts.
- Conducted regular progress reviews with individual team members to identify areas for improvement and provide guidance on career development opportunities.
- Established clear performance metrics for the team which helped in tracking progress towards set targets effectively.
- Led cross-functional teams for successful project execution while maintaining strong collaboration among team members.
- Managed risks and mitigated potential issues through proactive planning, monitoring, and timely decisionmaking.
- Established open and professional relationships with team members to achieve quick resolutions for various issues.
- Evaluated staff performance and provided coaching to address inefficiencies.
- Evaluated customer needs and feedback to drive product and service improvements.
- Maintained overall safe work environment with employee training programs and enforcement of safety procedures.
- Optimized customer experience by delivering superior services and effectively troubleshooting issues.
- Educated staff on organizational mission and goals to help employees achieve success.
- Collected, arranged, and input information into database system.
- Conducted regular reviews of operations and identified areas for improvement.
- Helped meet changing demands by recommending improvements to business systems or procedures.
- Maintained database systems to track and analyze operational data.
- Gathered, organized and input information into digital database.
- Generated reports detailing findings and recommendations.
- Cultivated positive relationships with vendors to deliver timely and cost-effective supply of services and materials.
- Developed effective improvement plans in alignment with goals and specifications.
Commercial Lines Account Manager/ Multi Lines Broker
Centennial State Insurance Group
11.2020 - 09.2021
- Managed Commercial Lines book of business, renewals, service all endorsement requests
- Provides expertise in strategic planning and consultative advice to clients, including the production, analysis, and recommendations for changes to coverage plans
- Reviews new business opportunity information, client business contractual requirements for coverage.
- Bind, service, and endorse existing policies to meet contractual agreements. Issue state required and certificates of insurance, evidence of insurance.
- Maintained agency suspect list and utilized the list to Prospect and appoint qualified new business to generate growth opportunities.
- Participates in industry organizations and reviews relevant publications to keep abreast of marketplace changes
- Focused on new business sales. New business brought in $200,000
- Assist peers with Underwriting and service accounts (i.e. endorsement processing)
- Establishes and maintains relationships and interfaces with Clients, carriers, and other vendors
- Uses discretion and independent judgment when analyzing industry trends and providing related Client guidance
- Provide ongoing service support to clients lor sit amet, consectetur adipiscing elit, sed diam nonummy nibh.
Business Insurance Team Product Specialist
Progressive Casualty Insurance
06.2019 - 02.2018
- Multi lines sales, service, processing specialist
- Contributed to establish underwriting guidelines for Progressive
- Commercial Business owners Policy product line
- Build strong customer relationships with customer while assessing customer need
- Underwrite General Liability insurance, worker’s compensation, professional liability, and Business Owners insurance policies.
- Appointed with 10 A+ carriers. Knowledge of multi line insurance markets, rating procedures, coverages, and industry expertise to actively manage , maintain, and prospect and existing accounts.
- Quote and bind average conversion 78%
- Maintain and manage customer accounts, negotiate follow up with
Education
No Degree - Elementary Education
Colorado Christian University
Denver, CO01-2012
No Degree - Business Management
Colorado Technical University
Colorado Springs 01-2011
High School Diploma -
Widefield High School
Colorado Springs, CO05.2001
Skills
- Microsoft Office
- ImageRight
- Proficient in multi Carrier, and web based programs
- Proficient in commercial multi-line underwriting and sales
- Strong independent time management skills
- Excel in a fast-paced, team environment with minimal instruction and a high degree of efficiency and accuracy
- Strong verbal, written, and interpersonal skills
- Service excellence
- Insurance underwriting proficiency
- Proficient in insurance technology
- Teamwork and collaboration
Certification
- Property & Casualty License
- Insurance Producer License
- Driver's License
Timeline
Commercial Account Executive
Westco Insurance
01.2024 - 05.2024
Commercial Account Executive
Legacy Insurance
10.2023 - 11.2023
Access Plus Commercial Underwriting Team Lead
Insurance Centers of America, SIAA Master Agency
04.2022 - 08.2023
Commercial Lines Account Manager/ Multi Lines Broker
Centennial State Insurance Group
11.2020 - 09.2021
Business Insurance Team Product Specialist
Progressive Casualty Insurance
06.2019 - 02.2018
No Degree - Elementary Education
Colorado Christian University
No Degree - Business Management
Colorado Technical University
High School Diploma -
Widefield High School
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