Commercial Insurance Account Manager

PROFESSIONAL SUMMARY

• 19+ years of experience in Insurance and Real Estate Operations including Origination, Processing, Underwriting, Policy Administration and Customer Service.
• Proficient in Insurance Field Underwriting.
• Expert in Red Flag detection and Fraud Prevention.
• Dynamic communicator who interfaces effectively with clients, vendors, and team members.
• Excellent time management and analytical skills with a high degree of accuracy and attention to detail.

WORK EXPERIENCE

Commercial Insurance Account Manager                                                        

August 2024 – Present

• Engages in all activities required to support each Insurance Producer and the entire insurance policy lifecycle, from issuance, through servicing to claims resolution and cancellation or termination.
  • Manages an assigned book of business consisting of 189 Commercial and Agribusiness Farm, Auto, General Liability, Umbrella, Business Owner’s Policies and Worker’s Compensation accounts.
  • Efficiently utilizes Applied Epic Management System and maintains knowledge of the systems of each Appointed Carrier to communicate, document and process endorsements.
  • Works as liaison between the insurance agency, appointed insurance carriers and active clients.
  • Promotes a culture of collaboration by actively participating in team meetings and sharing ideas to improve overall performance.
  • Enhances client satisfaction by addressing inquiries and providing prompt resolutions to Commercial and Agribusiness insurance concerns.
  • Assists clients with initiating the claims process, facilitates connection with adjuster, opens and documents the claim internally and follows up until closure.
  • Reviews terminations and cancellations and processes accordingly
  • Displays a high level of professionalism while balancing completing priorities and deadlines.
  • Maintains a strong understanding of industry trends and market conditions to better serve clients and anticipate their needs.
  • Stores and regularly updates detailed records of account transactions, phone calls, photos, home estimates and all client communication.
  • Requests Loss Runs from Carriers as needed
  • Educates clients on insurance policies and procedures.
  • Creates, distributes, and processes Evidence’s of Property Insurance, Certificates of Insurance, No Loss forms, Invoices, cancellation forms and correspondence letters accordingly.
  • Collects premiums, review payment and late payment options and responds to billing inquiries.
  • Conducts annual comparison renewals to determine any discrepancies, corrections or additions between current and renewal terms and process as applicable

Insurance Field Underwriter                                                              

September 2017 – August 2024

• Licensed in Life, Property and Casualty Insurance.
• Maintained a thorough understanding of each Carriers’ guidelines, applicable State laws and regulations.
• Monitored updates and changes to ensure compliance.
  • Evaluated applications to determine insurance coverage and appropriate risk classifications.
  • Identified and resolved application discrepancies for accuracy and compliance with relevant regulations.
  • Efficiently managed policy renewals, ensuring timely processing and accurate coverage updates.
  • Retained existing clientele by regularly reviewing their policies and recommending adjustments as needed.
  • Improved underwriting accuracy through thorough field investigations and data collection.
  • Assisted with claim submissions.
  • Calculated premiums and established payment methods.
  • Demonstrated strong attention to detail in reviewing policy documents for accuracy before issuance, minimizing errors, and potential disputes.

Mortgage Credit Analyst III                                                           

December 2012 – September 2017

• Served as Frontline Mortgage Underwriter for Purchase, Refinance, Home Equity Loan and Line of Credit Applications.
• Completed loan reviews remotely for several private banking labels including Morgan Stanley, Key Bank, Merrill Lynch, HSBC, and PHH Portfolio loans.
• Adhered to Conforming, Jumbo, Alt-A and Portfolio Loan Underwriting guidelines to determine eligibility.
• Complied with all local and federal regulations.
  • Thoroughly analyzed Traditional and Non-Traditional Credit.
  • Efficiently calculated W-2, Self-Employed, Passive, Asset Depletion and Rental Income.
  • Reviewed asset and collateral documents to minimize fraud and ensure compliance.
• Utilized expert knowledge of Loan Origination Platforms including, but not limited to Encompass, Calyx and CA$H.
  • Calculated qualifying DTI, LTV and CLTV ratios to decision loans.
  • Approved, denied, or counteroffered mortgage loan applications based on investor, MI, secondary market and federal guidelines.
  • Managed 60+loan pipeline by utilizing reports and systems; completing a minimum of 8 reviews daily while meeting all industry training mandates and production requirements.
  • Reviewed, cleared and added loan conditions as needed to identify high risk mortgage loans and provide alternatives or request exceptions as needed.
  • Maintained thorough knowledge of TRID requirements and ATR/QM Rules.
  • Maintained 99.9% quality defect rate by leveraging research skills and thoroughly documenting loan review findings.

EDUCATION

Bachelor of Science, Business Management                                                         Expected: May 2028

Licensed in DE, PA, MD: Life, Property And Casualty                                                  October 2017

Delaware Department of Insurance

Trainee Certificate, Fundamentals of Real Estate Appraisal                                                May 2006

New Castle County Board of Realtors

National Uniform Standards of Professional Appraisal Practice (USPAP), FHA and Relocation