Tracy Bertram
Becker,MN
Summary
Experienced financial analyst, underwriter, and insurance industry representative with over 20 years of expertise. Skilled in effectively communicating complex details and cost savings ideas to ensure customer understanding and satisfaction. Proven track record of motivating and collaborating with teams to consistently deliver exceptional results.
Overview
29
29
years of professional experience
Work History
Underwriting Consultant
United Healthcare
09.2010 - Current
- Manage a book of business containing national accounts, public sector and UMR groups.
- Work directly with National Account sales and sales leadership to discuss strategy.
- Serves as a key resource on complex and/or critical issues.
- Solves complex problems, develops innovative solutions, and performs complex conceptual analyses. Provides explanations and information to others on the more complex issues.
- Provides recommendations for process improvement.
- Forecasts and plans resource requirements
- Authorizes deviations from standards
Becker Mayor and Past Council Member
City of Becker
01.2009 - 12.2025
- Attended public forums, events and informal meetings.
- Directed operations, planning, and administration of city departments.
- Signed contracts, ordinances and other official documentation to execute orders of office.
- Created and sustained local government transparency, contained tax costs, optimized city amenities and market appeal businesses and citizens.
- Attended and presented at various legislative committee meetings and public events.
- Served as a member on multiple city boards and served as the President of the MN Mayors association.
Healthcare Performance Analyst
UnitedHealth Group
04.2007 - 08.2009
- Researched financial and clinical data to identify trends and variances for customers and projected benefit cost for upcoming year
- Interpreted customer cost and utilization over yearly benchmarks and identified trends and variances to built solutions based on UHG products
- Formulated recommendations of cost savings for customer from a review of financial and clinical data
- Anticipated customer needs and proactively developed solutions to meet them
- Developed and presented a presentation of key findings face-to-face with external customers and influenced the decision makers in accepting and providing the needed resources for assisting their members
- Furnished follow up reporting and research to customers as requested
Financial Underwriter
UnitedHealth Group
10.2002 - 04.2007
- Analyzed risk and priced new business prospects and retained renewal business with developing long-term business relationships
- Analyzed raw data and made decisions to price products consistent with UHG objectives and state regulations
- Analyzed and tracked financial results of assigned health plans and presented results to senior management identifying opportunities for improvement resulting in cost savings
- Effectively managed daily communication of highly sensitive client information to company executives and sales representatives
- Created a strong working relationship with internal and external customers
- Effectively prioritized and handled numerous demands with ease
Quality Analyst/ Trainer
UnitedHealth Group
07.2000 - 10.2002
- Analyzed and evaluated quality of production performed by several different departments and overall customer satisfaction
- Handled escalated situations and report statistics
- Conducted feedback sessions and handled difficult sessions with ease and positive results
- Conducted training for UHG’s billing system on and off site
Senior Financial Representative
UnitedHealth Group
01.1998 - 07.2000
- Verified/Analyzed healthcare billing against numerous data sources
- Financial reporting of all accounts receivable activities
- Primary responsibility for creation and maintenance of new accounts on several billing systems
- Handled billing reconciliations, adjustments, reinstatements, and cancellations for small group accounts
- Maintenance of detailed records and journal entries
- Successfully created, implemented and trained the Electronic Fund Transfer option
Senior Customer Service Representative
UnitedHealth Group
03.1997 - 01.1998
- Administration of group policies through provision of legal, benefit, and other informational support
- Handled benefits, claims, fees, and contracting information for a variety of people, including employees, employers, pharmacies, physicians, and agents
Education
B.A. - Business Management
Bethel College
St. Paul, MinnesotaAssociate Degree - Finance and Credit
St. Cloud Technical College
St. Cloud, MinnesotaSkills
- Analytical Problem-Solving
- Critical Thinking Skills
- Client and Sales Support
- Strategic Decision-Making
- Caseload management
- Client Relationship Development
- Portfolio management
- Negotiation and pricing
Timeline
Underwriting Consultant
United Healthcare
09.2010 - Current
Becker Mayor and Past Council Member
City of Becker
01.2009 - 12.2025
Healthcare Performance Analyst
UnitedHealth Group
04.2007 - 08.2009
Financial Underwriter
UnitedHealth Group
10.2002 - 04.2007
Quality Analyst/ Trainer
UnitedHealth Group
07.2000 - 10.2002
Senior Financial Representative
UnitedHealth Group
01.1998 - 07.2000
Senior Customer Service Representative
UnitedHealth Group
03.1997 - 01.1998
Associate Degree - Finance and Credit
St. Cloud Technical College
B.A. - Business Management
Bethel College
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