Sharon Rand
Forney,TX
Summary
Hardworking Senior Underwriter effective at achieving control and profitability objectives according to company guidelines. Experienced in partnering with field producers to support marketing and sales activities. Over 10 years of experience in Insurance and Banking Underwriting.
Overview
16
16
years of professional experience
Work History
Sr. Underwriter
Digital Risk LLC (Bank Of America)
06.2020 - Current
- Assisted senior executives with final loan closings and underwriting, coordination and submission of Commerical Real Estate loan, Auto Fleet Loans and Worker's comp .
- Coordinated with internal brokers and agents.
- Oversaw quality control of guidelines and updated policy forms.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
- Met with agents and brokers to negotiate coverage, price and service delivery.
Sr. Underwriter
CU Members
03.2018 - 06.2020
- Underwrite for Middle Market products, for General liabilities, Commerical Auto , Property and Umbrella
- Reviewed Lexis Nexis , for property details, reviewed losses. Used Ana system to rate and quote.
- Made sure SIC , ISO, NAICS codes were used properly for rating.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Supported review, acceptance or denial of new or renewal policies within 90 days.
- Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
- Applied knowledge of underwriting guidelines to maintain compliance with applicable regulations and company standards.
- Made decisions on acceptance, rejection or modification of business proposals.
Underwriter
Amtrust Financial Services, Lyndon B Johnson Freeway
08.2014 - 03.2018
- Underwrite for Commerical Property, General Liability , Auto , WC, and Umbrella.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Followed through with borrowers, loan processors, loan originators and managed all phases of underwriting process.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
Commercial Underwriter
Berkley Specialty
07.2013 - 08.2014
- Evaluated Specialty lines for concerts venues, Sport games, and Commerical property valuations and various other factors when making underwriting decisions.
- Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
- Assisted Underwriter Assistant's by calculating group and individual renewal rates based on customers' background, industry and demographic information.
- Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
Jr Underwriter
Fireman Fund Insurance
06.2007 - 07.2013
- Supported review and acceptance or denial of new or renewal business.
- Determined and documented loan conditions and communicated requirements and decisions.
- Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
- Controlled loss by assessing risk, conducting system analysis and recommending policy solutions.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
Education
Associate of Arts -
Brookhaven College
Dallas, TX05.2016
Skills
- Commerical underwriting for General Liability, Auto, Property, WC , Umbrella, and Commercial Real Estate
- Quoting and Pricing Policies
- Managing Risk
- Renewing Policies
- Quality Assurance
- Guidelines Knowledge
- Influencing Business Growth
- Pricing Evaluations
- Insurance Law
- Reviewing Risk Exposure
Timeline
Sr. Underwriter
Digital Risk LLC (Bank Of America)
06.2020 - Current
Sr. Underwriter
CU Members
03.2018 - 06.2020
Underwriter
Amtrust Financial Services, Lyndon B Johnson Freeway
08.2014 - 03.2018
Commercial Underwriter
Berkley Specialty
07.2013 - 08.2014
Jr Underwriter
Fireman Fund Insurance
06.2007 - 07.2013
Associate of Arts -
Brookhaven College
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