Trina Roen
San Antonio,TX
Summary
Skilled Underwriter with broad experience in assessing risk, analyzing financial documents and making informed decisions within the insurance industry. strong analytical skills, sound judgement and attention to detail. Skilled in navigating the complex landscape of insurance underwriting with experience in assessing risks, determining policy terms, and setting premium rates. Strong analytical abilities and knowledge of risk management principles have contributed to effectively minimizing financial losses in previous roles.
Overview
6
6
years of professional experience
Work History
Account Underwriter Officer
Travelers Insurance
St Paul, MN
09.2006 - 01.2013
- Analyzed insurance applications to assess risk and determine eligibility.
- Evaluated financial documents to support underwriting decisions.
- Collaborated with agents to gather necessary information for policy reviews.
- Reviewed and interpreted policy guidelines to ensure compliance.
- Maintained accurate records of underwriting activities and decisions.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
- Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Utilized underwriter authority to correspond with corporate risk appetite and strategy.
- Underwrote renewals by reviewing premium history, claims history and company financial condition to determine action.
- Resolved discrepancies between customer documentation and internal records.
- Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
- Liaised with field, gathering information to base and defend underwriting decisions.
- Participated in regular training sessions regarding updates in relevant laws or regulations.
- Ensured timely submission of all documents needed for closing transactions.
- Inspected financial statements, credit information and title data to complete underwriting process.
- Utilized diverse data tools and processes to analyze, interpret and manage data.
- Followed underwriting guidelines in developing rates for new and renewal groups.
- Provided guidance on underwriting procedures to junior staff members.
- Worked with colleagues to review, accept or deny new and renewal business.
- Underwrote, managed and serviced profitable book of business.
- Consulted with legal counsel when necessary to resolve complex issues or disputes.
- Implemented underwriting strategies to minimize risk and maximize profitability.
- Ensured all underwriting activities complied with company policies and external regulations.
- Developed and maintained relationships with external partners, including insurance agents and appraisers.
- Interpreted underwriting guidelines and assessed risks according to company policies.
- Negotiated coverage, policy pricing and service delivery during meetings with customers, agents, or brokers.
- Collaborated with team members to resolve customer inquiries.
- Reviewed documentation for compliance with company policies.
- Trained new employees on operational procedures and systems.
- Supervised subordinate staff in carrying out daily duties and activities.
- Developed and maintained relationships with key clients and stakeholders.
- Responded promptly to customer inquiries or complaints in a polite manner.
- Analyzed market trends to inform business decisions and strategies.
- Maintained positive working relationship with fellow staff and management.
- Utilized document management system to organize company files, keeping up-to-date and easily accessible data.
Education
Bachelor of Arts - Education
University of Illinois At Chicago
Chicago, IL06-1974
Skills
- Risk assessment
- Financial analysis
- Policy interpretation
- Data interpretation
- Documentation management
- Customer service
- Staff development
- Compliance management
- Team collaboration
- Relationship building
- Market analysis
- Insurance underwriting guideline
- Strategic negotiation abilities
- Problem solving
Custom
Since my retirement a number of years ago I find that I need to do some work. The only work I've ever done is an insurance so I thought I would try that area again.
I know there are situations in insurance where risk need to be evaluated at face value then develop additional information to see if they are acceptable to the company guidelines and determine if the company wished to move forward. I Believe this could be done remotely and then handed onto an underwriter who can deal face-to-face with a client and agent.
Depending on the set up in the organization, this may be a value to you. I would appreciate your consideration.
References
References available upon request.
Timeline
Account Underwriter Officer
Travelers Insurance
09.2006 - 01.2013
Bachelor of Arts - Education
University of Illinois At Chicago
Similar Profiles
Tonya BriceTonya Brice
Subrogation Professional at Travelers InsuranceSubrogation Professional at Travelers Insurance
Ayanah MasseyAyanah Massey
Commercial Claims Adjuster at Travelers InsuranceCommercial Claims Adjuster at Travelers Insurance
Sonali SheelamSonali Sheelam
Medical Case Manager- Telephonic at Travelers InsuranceMedical Case Manager- Telephonic at Travelers Insurance
Mical CazaresMical Cazares
Dietary Aide at Mystic Park Nursing and Rehabilitation CenterDietary Aide at Mystic Park Nursing and Rehabilitation Center
Rudy MartinezRudy Martinez
Managing Partner at Parry's Pizzeria and TaphouseManaging Partner at Parry's Pizzeria and Taphouse