Account Executive Workers Compensation

Rito Michel

** * ********* ***, *********, IL ***64

Phone 708-***-**** Cell 630-***-****

Email: *********@***.***

Relevant Qualifications:

. Strong communication skills. Ability to establish rapport with

insurance agencies, producers, brokers, and vendors. Genuine concern

to produce the best possible product for the insured, producers, and

carriers.

. Well versed in policy issuance, endorsements, and proper placement

requirements for all lines of insurance.

. Over 10 years of Workers Compensation Underwriting experience and

strong understanding of NCCI regulations.

. Experienced in building producer networks and developing profitable

books of business.

. Over 3 years of experience in benefit enrollment and implementing

employee benefit plans.

. Bilingual (English and Spanish), with ability to translate financial

concepts and benefit products.

Work Experience:

AM Stocker- Part-Time

Lowes, St Charles, IL

2012 to Present

. Stock merchandise received in the plumbing and outside garden

departments in their respective shelves. Assist customers to locate

needed merchandise or identify the correct product needed to complete

the customer's project Work with other team members to complete

projects requested by management.

Part-Time Warehouse Associate 2011 to

2012

HH Gregg Electronics, Geneva, IL

. Unload new merchandize shipments from delivery trucks; maintain

warehouse stock in order, clean warehouse floors, and public areas.

Responsible for pulling merchandize orders and loading them into

customer vehicles as needed. Recognized for excellent housekeeping

and maintenance of store facilities.

Individual Health Underwriter

2009 to 2010

RSA Medical, Naperville, IL

. Underwrite individual health applications in a template underwriting

environment for Aetna Insurance, processing 20-25 applications daily.

Gained extensive knowledge of medical terminology.

Senior Account Executive/Underwriter

2008-2009

Bonding & Insurance Specialists Agency, Inc., Bridgeview, IL

. Assist General Liability underwriters in retaining accounts by writing

the Workers Compensation and Inland Marine lines of business.

. Use underwriting authority with Gemini Insurance to price and bind

Inland Marine accounts.

. Instrumental in obtaining an appointment with Amerisafe to place

workers compensation risks.

Product Development Consultant II

2006-2007

Zurich North America, Schaumburg, IL

. Perform updates to a web-based underwriting tool to determine the

profitability outlook for new Workers Compensation business.

. Compare workers compensation loss results between Zurich and the

Industry for specified states.

. Analyze rate adequacy for each state, looking for signs of rate

suppression by departments of insurance, rating agencies, or system

stakeholders.

. Identify potential elements of surprise within the state that could

influence adverse profit results for the next 18-months.

. Analyze the regulatory environment through proposed legislation,

changes to the level of worker benefits, and whether claim-handling

regulations will foster or impede efficient claim settlement.

. Developed profitability grade for each state based on rate adequacy,

regulatory environment, and claims legal environment data.

President

2003 - 2006

Brooke Insurance & Financial Services, Arlington Heights, IL

. Owned and managed an insurance agency with premium volume of $2.8

million.

. Marketing focus was on marketing, writing, and servicing independently

owned supermarkets and grocery stores.

. Other classes of business written included: commercial builders risk,

contractors, and commercial retail buildings.

. Maintained 90% retention of the book for two years, employing four

full-time employees.

. Agency was consolidated with other franchise entity in Rockford,

Illinois.

Workers Compensation Program Underwriter

2000 - 2003

Bonding & Insurance Specialists Agency, Inc., Bridgeview, IL

. Responsibilities included underwriting accounts $25,000 to $700,000 in

premium.

. Underwrote and placed $2.6 million in new premium, per year with a

combined ratio under 32%

. Primary focus was on environmental construction risks.

. Expanded producer network through direct marketing mailings to

possible agency producers.

. Demonstrated a strong disposition and ability to resolve audit

disputes between carriers and insureds.

. Responsible for the processing of all final audits under the program.

. Instrumental in contracting two new General Liability carriers for the

Agency.

. Established an Inland Marine program to complement the Agency's

General Liability program.

Senior Account Executive

1998 - 2000

AON Enterprise Insurance Services, Inc., Lisle, IL

. Initially hired to write Workers Compensation policies with Kemper on

behalf of AON Corporation.

. Responsible for risk analysis, pricing of accounts, policy issuance

and servicing.

. Received commendations for excellence in underwriting skills and

leadership within the Workers Compensation Unit.

. Promoted to Senior Account Executive and Team Leader, with Six Account

Executives under my direction and responsibility.

Education / Licensing:

. Licensed in Illinois since 1986 for All Lines of Business

. De Paul University, Chicago, IL, Political Science 1982-1984

. Northwestern University, Evanston, IL 1980-1982, Pre-Law

Awards and Activities:

Aon Enterprise Star Quest Award winner for outstanding performance

Past Member: Rolling Meadows, IL Chamber of Commerce

Past Member: Arlington Heights, IL Chamber of Commerce

Past Member: Illinois Food Retailers Association

References:

Available Upon Request.

Contact this candidate