Manager Insurance

Mark Johnson

**** ****** ***

Elk Grove, California, 95624.

Phone: 916-***-****

Email: abnoig@r.postjobfree.com

OBJECTIVE: A challenging position that will maximize my potential while contributing towards the success of my employer.

Skills

Proficiency at increasing profit, supervising, training, motivating, planning, organizing, negotiating, problem solving, a team player and ability to perform

successfully in a heavy production environment. Clear and effective oral and written communication skills, Ability to understand and follow instructions,

prioritize and complete task on time and accurately. Attention to detail and able to work with minimum direction. Demonstrate ability to comprehend actuarial

concepts and other advanced statistical concepts; Demonstrate ability to think logically and perform actuarial methods in a timely manner. Proficient in a

statistical, underwriting, claims, marketing, actuarial and financial environment. Also making sure earned premium growth, underwriting profitability

and retention are met. Proficiency in underwriting of secured, unsecured loans, cost accounting, credit analysis and financial statement. Distinguished track

record of portfolio management. Valued $100 million dollars (4000 accounts) maintain 98% current, and tremendous recovery results. Collect and/or

adjustment for late stage delinquent accounts, analyze and apply advanced collection techniques. Resolve disposition of delinquent or high balance accounts

with customer’s attorney or third party credit counselors. Proficiency at credit and financial analysis, UCC filings, tax liens, judgments and Dunn & Bradstreet

reports. Practical knowledge of California collection laws. Excellent collection skills on lease loans, revolving loans, unsecured loans, skip tracing skills,

insured and uninsured claims. Solid knowledge of mainframe reporting, Proficiency in MBI, Lodestar, and other reporting tools, example, AQW, ADW. Basic

SAS and SQL programming skills. Practical knowledge of Microsoft Works, Word, Excel, PowerPoint Access, manipulate and formulate spreadsheets,

including vlook-up, hlook-up, pivot tables, and graphs.

EDUCATION

Bachelor of Arts, Accounting & Finance, Cambridge College, Britain.

EMPLOYMENT

May 2008 to July 2009. Product Management Analyst, Esurance Insurance Company.

Prepare monthly reports for assigned states, such as sales and conversion metrics. Prepare analysis for certain underwriting characteristics, example marital

status, age, pre credit tier, market segments and full coverage verses liability policies, loss ratio analysis by market for new business, renewal business and in

total. Prepare ad hoc reports and product review analysis upon request. Responsible for delivering key results to senior managers via email or in

presentation form and making recommendations for pricing, coverage changes aimed at improving profit, retention and growth based on

various analyses. Complete competitors and market analysis. Identify and analyze mix shift trends in states, as a result of new program changes. Prepare

factor-rating analysis for specific states, (example territory zip code, credit tier and markets), in order to address segments of business that are under priced.

Prepare competitors analysis for required state, by comparing my Company with the top five competitors. Review distribution of average premium, for

liability and physical damage, age, violations, zip code, and credit scores.

May 2002 to April 2008. Pricing/State Analyst, Progressive Insurance Company.

Produce and interpret standard report for division use. Monitor business performance in states including, but not limited to, prospects growth, conversion ratio,

earned premium growth, underwriting profitability, retention, etc. Produce analysis to support Product Manager on product related issues such as Written and

Earned Premium distribution, retention, policies in force, limits and vehicle counts. Creatively employ analytical tools to help solve business problems or

identify opportunities. Use querying tools and other research methods to gather data. Help identify issues to be addressed in order to improve pricing practices,

workflow, and systems. Prepare factor-rating analysis for specific states, (example territory zip code, credit tier and markets), in order to address segments of

business that are under priced. Assist in developing approaches/solutions that can be shared with the pricing group: applies knowledge of actuarial techniques

to determine appropriate price levels on a state-by-state basis. Rate adequacy- Indications, Reporting and Analysis. Maintain appropriate price levels for the

western agency states, Update indications and trends quarterly, such as frequency, severity, loss trend, LDS triangles, and Trended Earned Premium to current

rate level. Create ad hoc reports as necessary to help identify potential pricing issues, and opportunities. Sound use of pricing tools (example. Presto/Prevu),

update rating factors, and base rates, in order to properly calculate the off balance process using all necessary assumptions and filters. Promptly and accurately

file all needed rate and program changes for individual states, along with Actuarial exhibits of appropriate justification, and then submit to the Department of

Insurance. Prepare responses to D.O.I questions and issues regarding annual surveys or state filings. Regular interaction and communication of off balance

analysis and filing results/issues to Product & Pricing Manager. Find ways to educate oneself on upgrades or changes to current systems, procedures and

regulations.

May 2000- May 2002. Subrogation Specialist, Progressive Insurance.

Review incoming files for proper identification of insurance carrier information, send out subrogation demands on commercial and personal auto claims.

Follow up with insurance carrier regarding the status of demands, argue and review liability disputes, labor costs, until amicable settlements are made for

payment in full. Initiate legal actions for suit against insurance carrier or referral to arbitration. Review incoming uninsured claims for quality and proper

identification of the correct adverse party, then make contact by phone with at fault party or attorney if necessary, skip trace if necessary; send correspondence

for recovered amount. Negotiate with adverse party for payment in full; cash out settlement or monthly payment plan. Refer to collection agency or initiate

legal action through in house legal unit or a network of external attorneys, until the customer complies or legal action leads to payoff through post judgment

actions such as earning attachments or property liens. Successfully complete IR1 Casualty training on Policy interpretation, Coverage investigations,

Indemnification, Liability, Central loss reporting unit, Statement taking, hard copy file maintenance, Subrogation, Salvage handling, and Introduction to

property damage. Achievements: the only Subrogation Specialist to consistently exceed monthly goals every month throughout Progressive Corporation.

April 98-April 2000. Collection Supervisor, Commerce Security Bank, division of El Dorado Bank.

Underwriting of lease loans, analyze financial conditions of borrowing entity and related guarantors. Working closely with brokers to structure transactions that

meet business criteria. Comparative analysis of receivable portfolio daily and monthly. Review and recommend approval or rejection for credit, new business,

line increase or defer payment. Participate in the hiring and evaluation process of new employees. Oversee the daily operations of the collection

department; take over escalated calls from high rate customers and resolve. Follow up on repossession; collect on deficiency balances. Also, follow up on

bankruptcy proceedings with courts and customer’s attorney regarding case status. Run monthly billing statements, Prepare month end receivable reports

discuss review with Credit Manager, then collections staff. Recommend legal action through our in house legal counsel for uncollectible accounts. Analysis of

customers account upon request, prepare journal entries for correction of errors. Achievements: Maintain 98 % of portfolio current monthly.

Contact this candidate