Account Executive Insurance

*** ******* ****** . *********, ** *****

TELEPhone 609-***-****

FAX 866-***-**** . E-MAIL *******@*****.***

TAWANA D. NORMIL

Profile

Seasoned insurance professional with extensive experience underwriting

Commercial Lines accounts and supervising & successfully leading

underwriting teams. Lines of business expertise include Property, General

Liability, Automobile, Workers Compensation and Umbrella. Industries

serviced include contractors, wholesale, retail, service and manufacturing.

Professional experience

04/07 - pres Zurich North American

Parsippany, NJ

Regional Underwriting Manager responsible for the supervision, evaluation,

professional development, training and coaching of an underwriting team

consisting of 10 senior underwriters including developing and implementing

team's annual budget and underwriter production goals. The accounts typically

handled range in premium from $25,000 - $500,000. The team's 2009 year-end

gross written premium was $12mm with a 47% accident year loss ratio and 92%

retention. Charged with setting and executing operational objectives and plans

aligned to the strategy of the business unit, I am also involved in designing,

recommending and applying changes to processes and systems. Ensure the team

completes appropriate documentation in accordance with established corporate

guidelines and policies as well as provide team with tools and resources to

assist in making appropriate underwriting decisions. Manage an exclusive

countrywide Golf Club Program including setting guidelines and rates along with

review and implementation of coverage. The team's 2010 GWP goal is $20mm and I

am charged with developing & implementing Wholesalers Strategy. Acting as the

International Coordinator I am responsible for approving coverage placed outside

the United States (including Exporters Package and Fixed Assets overseas).

Successfully manage and cultivate relationships with key brokers, Marsh,

Frenkel, Brown & Brown, Wachovia, The NIA Group, Affinity Agency Group along

with numerous brokers in the Southeast, South Central and Mid-Atlantic Regions.

06/03 - 04/07 Harleysville Insurance Group

Moorestown, NJ

CL Territory Manager whose responsibilities included quoting, pricing &

underwriting new and renewal policies, for more complex and/or service sensitive

accounts with premiums ranging from $100,000 - $600,000. Managed an

underwriting team consisting of two senior and 2 underwriters, an associate

underwriter and two raters including directing workflow, conducting team

meetings, communicating information about assigned agencies to the team,

development of team members based on needs and recommending improvements in team

processes. Over 4 years, my team successfully wrote $25mm in new business while

maintaining a 42% calendar year loss ratio and 85% retention. Provided guidance

and assistance to agencies in meeting their volume and profitability

commitments; over the 4-yr period all agents grew their books by double digits

while maintaining loss ratios in the low 40% range. Top brokers worked with are

Wachovia, David MacGregor, and The Chadler Group.

10/02 - 06/03 Atlantic Mutual Insurance Company

Madison, NJ

Sr. Field Underwriter responsible for developing, maintaining and growing $9

million book of Middle Market Commercial Business with premiums ranging from

$150,000 - $500,000. Supervised support staff including Underwriting

Technicians and clerical team. Duties include accept, reject and modify

new/renewal accounts based on target segments and company guidelines; along with

managing agent's portfolio including profitability, growth and incentives.

Conducted weekly marketing visits to agents to monitor their performance and

prepared call reports.

08/01 - 10/02 Hanover Insurance Company

Piscataway, NJ

Production Underwriter responsible for successfully developing a business plan

to grow and develop current $8 million book of Middle Market Commercial Accounts

with premium ranging from $75,000 - $275,000 while producing a profitable loss

ratio (less than 45%) and maintaining strong agency relationships. Managed

Mobile Home and Film Production Programs including establishing guidelines, risk

selection, setting & filing rates, quarterly audits and supervising

underwriters; these programs grew over 5%, had 98% retention and accident year

loss ratios of 46%. Assisted with the development and monthly training of

internal staff. Acted as the branch Inland Marine Specialist responsible for

training underwriters, ensuring adherence to AAIS guidelines & branch referrals.

12/00 - 06/01 Highlands Insurance Co.

Lawrenceville, NJ

Multi-line Sr. Underwriter responsible for the production and account service

plan for assigned agents, accounts and territory. Accepted, rejected and

modified new and renewal accounts using established underwriting policy within

assigned personal authority limits. Handled $6.5 million book of Middle Market

Commercial Business; built & maintained working relationships with assigned key

agents and assisted with development of support staff.

01/00 - 12/00 Kemper Environmental

Princeton, NJ

Sr Underwriter responsible for soliciting and reviewing environmental risk from

assigned producers/agents to determine underwriting acceptability. Approve,

refer and reject risk based on authority, established company guidelines,

policies and objectives. Handled $7 million book of Environment Accounts

w/supporting lines, i.e., General Liability, Automobile, Property and Workers

Compensation.

05/98 - 01/00 Wharton/Delaware Valley

Voorhees, NJ

Sr. Account Representative responsible for servicing and underwriting

approximately 100 medium and large accounts with a total premium of $3.5 million

along with supervision of support staff. Negotiated pricing and account

eligibility with underwriters. Conducted onsite loss control surveys. Provided

insurance company coverage comparisons, furnished proposals to prospective and

existing insured. Conducted weekly computer-training sessions. Supervised a

support staff of 3. Administered weekly marketing meetings to discuss new

business, renewal marketing strategy, and changes in the marketplace, loss

ratios and insurance company contracts.

10/95 - 05/98 Howe Insurance Group

Princeton, NJ

Sr. Commercial Insurance Representative responsible for servicing and

underwriting approximately 250 medium and large accounts with a total premium of

$2 million. Negotiated pricing and account eligibility with underwriters.

Prepared, maintained and distributed cancellation logs, renewal lists and

production reports. Distributed daily work assignments. Supervised new

business marketing including market determination, loss analyses/ratios and

premium threshold. Conducted weekly marketing meetings.

01/91 - 10/95 Blumstein & Levine Inc.

New York, NY

Account Executive responsible for complete servicing and underwriting

approximately 50 accounts with a total premium of $7million along with

supervision of support staff. Negotiated pricing and account eligibility with

underwriters. Prepared and delivered proposals for prospective and existing

insureds. Attended monthly Co-op & Condominium Association meetings and

provided Risk Management Services including loss control, policy review and

question & answer sessions.

08/88- 01/91 Walter Kaye Assoc., Inc.

New York, NY

Associate Account Executive responsible for complete servicing and underwriting

approximately 7 national real estate accounts with a total premium of $5

million. Negotiated pricing and account eligibility with underwriters.

Prepared and delivered proposal for prospective and existing insureds.

08/84- 08/88 Simon Werner & Co.

New York, NY

Assistant Account Executive responsible for assisting two Account Executives in

servicing accounts including preparation of certificates of insurance, auto ID

cards, policy change requests & binders and policy review. Created and

maintained form letter and ISO microfiche.

Education & achievements

Associate in Underwriting Designation

CPCU parts 1, 2, 3, 4, 5 and 8, currently enrolled in part 560 (tentative

completion of program November 2010)

John Jay College, New York, NY

Murry Bergtraum High School, New York, NY - Regents Diploma Earned

Software knowledge

AMS, Applied Systems, AS/400, CLASS, iFlow, Internet 5.0, Lotus Notes,

McCracken, Microsoft Excel/Word/Works/Office/Power Point/Outlook, Netscape, PMS,

PRIDE, Risk Browser, Sagitta, Windows 3.1/95/98/NT/2000/XP, zSpire and various

Imaging Programs including OIT, ImageRight and BPM/eFile

REFERENCES - AVAILABLE UPON REQUEST

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