Rachel Boyd
La Grange,GA
Summary
Results-oriented Real Estate, financial Counselor with extensive experience in client relationship management and team leadership. Property and Casualty insurance Licensed. Proven track record of achieving high levels of customer satisfaction through exceptional service delivery. Skilled in developing and maintaining strong, trusting relationships with clients to understand their unique needs and deliver tailored solutions. Adept at strategic planning, team management, and utilizing data-driven insights to optimize client service strategies.
Professional with strong foundation in risk assessment, financial analysis, and decision-making. Skilled in evaluating creditworthiness, analyzing financial statements, and managing risk exposure. Adept at fostering team collaboration and adaptable to changing needs to ensure optimal results. Known for precision, reliability, and delivering impactful outcomes in underwriting.
Diligent with robust background in underwriting, specializing in risk assessment and policy evaluation. Proven track record of making informed decisions that align with company goals and regulatory standards. Demonstrated expertise in financial analysis and client relationship management.
Professional underwriting specialist with keen eye for detail and strong commitment to accuracy. Extensive experience in evaluating financial risks and managing complex insurance portfolios. Highly collaborative team player, adaptable to changing needs, and focused on delivering results. Proficient in risk assessment, policy analysis, and client communication.
Experienced with assessing financial risk and evaluating insurance applications. Utilizes analytical skills and industry knowledge to make informed underwriting decisions. Track record of maintaining compliance with regulatory standards and fostering positive client relationships.
Smart financial professional applies strong problem-solving and decision-making skills in job tasks. Self-motivated with good understanding of evaluating credit history, financial stability and risks. Diligent individual with strong work ethic.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Underwriter
State Farm
07.2024 - Current
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Reviewed policy documents before issuance, ensuring accuracy and conformance to approved standards.
- Reduced claim losses by applying expert knowledge in identifying potential risks and setting appropriate premiums.
- Enhanced customer satisfaction through timely communication and effective negotiation of policy terms.
- Maintained compliance with industry regulations and company guidelines during all underwriting activities.
- Consistently met or exceeded performance targets by effectively managing daily workload and adhering to strict deadlines.
- Collaborated with agents to develop customized insurance packages, meeting specific client needs.
- Implemented innovative strategies to streamline workflow processes, resulting in increased productivity among team members.
- Improved risk assessment accuracy by conducting thorough investigations and evaluating insurance applications.
- Streamlined underwriting processes, resulting in faster turnaround times for clients seeking coverage.
- Increased profitability by accurately assessing potential exposure levels and determining appropriate premium rates.
- Conducted comprehensive risk analyses, ensuring accurate pricing for various types of insurance policies.
- Achieved high levels of customer retention through personalized service and attention to detail in policy creation.
- Mentored junior underwriters, fostering a positive team environment focused on achieving business objectives.
- Maximized underwriting efficiency with the implementation of automated systems for policy evaluations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
Sr. Bank Financial Account Manager
Wells Fargo
07.2020 - 07.2024
- Led a team dedicated to maintaining high customer satisfaction and strong client retention
- Overseeing customer portfolios
- Trained and mentored team members in delivering exceptional service and developing customer retention strategies
- Managed mortgage loan origination activities and conducted outbound calls to existing and prospective customers
- Collaborated with branch leadership to optimize client service strategies and enhance client retention
- Utilized market research and analysis to adapt service strategies to client needs and market demands.
- Analyzed accounts for delinquencies and other ongoing issues.
- Implemented innovative process improvements that increased overall team productivity.
- Improved reporting accuracy by analyzing data trends, identifying inconsistencies, and implementing corrective measures.
- Provided ongoing training for junior team members, enhancing overall departmental performance.
- Oversaw account services for key regional clients.
- Managed diverse portfolios with a focus on risk mitigation and long-term growth strategies.
- Contributed to the development of company-wide financial strategies that drove business growth and profitability.
- Strengthened client retention rates by delivering exceptional customer service and anticipating future needs.
- Ensured compliance with industry regulations, maintaining up-to-date knowledge of evolving guidelines and best practices.
Associate Underwriter
NACA
04.2017 - 07.2020
- Developed and maintained strong, trusting relationships with clients, understanding their unique needs and delivering exceptional service
- Conducted regular meetings and strategic reviews to discuss plan performance and address client concerns
- Analyzed market trends to optimize client service strategies and enhance client retention
- Implemented and managed service metrics and reporting to assess and improve team performance and client satisfaction
- Originate loans.
- Increased profitability by effectively managing portfolio risks and making informed underwriting decisions.
- Strengthened relationships with brokers and agents, fostering long-term partnerships and generating new business opportunities.
- Developed strong analytical skills by consistently evaluating data to identify trends impacting insured losses or exposures.
- Assisted in the implementation of new software systems designed to improve overall productivity within the department.
- Enhanced customer satisfaction by promptly addressing inquiries and providing accurate policy information.
- Promoted successful investment plans with well-organized and smooth presentations.
- Evaluated investment potential of companies with thorough assessments of historical data, operational activities, and future objectives.
- Contributed to team success by assisting in training and mentoring junior underwriters.
- Reduced processing time for applications, ensuring timely decision-making while maintaining quality standards in risk assessment procedures.
Customer Service Representative
Wide Open West (WOW)
06.2012 - 04.2017
- Provided exceptional customer service, resolving customer concerns and maintaining high levels of customer satisfaction
- Educated customers on company offerings and assisted with billing procedures and payment options
- Built strong client rapport and upsold products and services to maximize sales and enhance customer retention.
Education
Bachelor of Business -
Western Governors University
Salt Lake City, UTHigh School Diploma -
Langston Hughes High School
Fairburn, GA05.2013
Skills
- Client Relationship Management
- Leadership and Team Management
- Strategic Planning
- Sales Development
- Relationship Selling
- Negotiation Tactics
- Market Research and Analysis
- Client Account Management
- Financial Budgeting and Counseling
- Real Estate Industry Knowledge
- Data Analysis and Visualization
- Project Management
- Automation and Digitization
- Tax Compliance and Consulting
- Negotiation and Pricing
- Insurance knowledge
- Xactimate
- Underwriting guidelines
- Analyzing data
- Documentation review
- Credit analysis
- Application review
- Data collection
- Portfolio management
- Policy interpretation
- Policy renewal
- Caseload management
- Terms negotiation
- Industry trends
- Quoting and pricing policies
- Influencing business growth
- Loan approval & denial
- Team building
- Agent support
- Multitasking
- Documentation
- Managing risk
Certification
- HUD Certified Housing/Financial Counselor – 2021
- Mortgage Loan Licenses NMLS # 2181072
- Property and casualty license and adjuster license
Timeline
Underwriter
State Farm
07.2024 - Current
Sr. Bank Financial Account Manager
Wells Fargo
07.2020 - 07.2024
Associate Underwriter
NACA
04.2017 - 07.2020
Customer Service Representative
Wide Open West (WOW)
06.2012 - 04.2017
High School Diploma -
Langston Hughes High School
Bachelor of Business -
Western Governors University
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