Customer Service Sales

SUSAN HIOTT-REEL

**** ******* **** ****** * Cumming, Georgia 30041 * Cell 770-***-****

* **********@*****.***

Senior Consulting Underwriter

Results-driven Senior Consulting Underwriter with 14+ years experience in

new business development, renewal

retention, new department creation/management, revenue/profitability

growth, strategic planning, marketing, underwriting, internal/external

customer relations, project and staff training gained in diverse insurance

and healthcare environments.

HIGHLIGHTS . Proven business leader, with the ability to streamline

operations, impact business growth and maximize profits via

financial management, cost reductions, internal controls and

efficiency enhancements, while exceeding almost all markets

in sales and retention rates.

. Lead underwriter and revenue producer, who earned promotions

from Renewal Underwriting Analyst, to Junior Underwriter, to

Underwriter, to Senior Underwriter for HCC Life Ins. Co.

while building a book of business from zero to $25 million

from 2000-2012.

. New business development specialist, who successfully opened

Elite's Underwriting Service's Atlanta Office, and

hired/trained/motivated an underwriting assistant while

selling $3.1 million in new business in 2012.

. Successful vendor partner, who combines excellent

interpersonal, organizational, financial and analytical

skills to increase customer service, grow profits and build

a loyal client base in a highly competitive marketplace.

. Analytical yet innovative thinker, who promoted various stop-

loss insurance concepts to help companies win accounts,

while constantly updating senior management on new ideas and

emerging industry trends.

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RECOGNITION

According to Meritain Health Sales Services Underwriting

Supervisor Bill Reed, "I highly

recommend Susan Hiott for employment at your company. Her

high standards positively

represent her employment with HCC Life. She is a dedicated

individual, a pleasure to work

with, and demonstrates terrific interpersonal skills when

dealing with colleagues and clients.

Susan's creative innovations and successful business

strategies help to increase her employer's profit margins.

Susan is a terrific underwriter. Regarding quotes to be sent

to important clients, Susan has always been the go to person.

She has often been the key to motivating and helping our

cause to sell stop loss. Susan would make a great asset for

any organization."

According to North American Administrators' VP of Sales G.

Bruce Thompson, "Susan has been a business associate for four

years, and I have had the good fortune to have her assigned

to North America Administrators, as our primary contact and

lead underwriter. Susan has proven herself to be an effective

vendor partner and a successful and insightful underwriter.

Her book of business has grown and remained consistently

profitable. Her sales and retention rates exceed most of the

other markets we utilize. Susan is an intelligent and

creative self-starter, who has promoted various stop-loss

insurance concepts to give us additional tools to win

accounts and has made sure we are always updated on new ideas

or emerging trends in our business. Susan would be extremely

valuable to any third party administrator, broker or

underwriting firm looking for a "knowledge broker" in the

self-insured market."

PROFESSIONAL EXPERIENCE

2012 - Present Senior Consulting Underwriter, Elite Underwriting

Services, Alpharetta, GA

> Coordinated all facets of opening, developing, and managing

the company's new Atlanta Office, utilizing strong HR

management, relationship development, and negotiation

skill.

> Develop loyal producer/broker relationships, while

consistently exceeding all corporate sales/revenue growth,

productivity, and service quality objectives.

> Underwrite group medical, Rx, dental and vision insurance,

setting appropriate deductibles based on group size, and

setting attachments based on experience.

> Provide comprehensive risk assessment. Assign rates and/or

factors, negotiate renewals and higher individual specific

deductibles, while maintaining strong client relationships.

2000 - 2012 Senior Underwriter, HCC Life Insurance Company, Kennesaw, GA

> Earned four promotions while building a new block of

business from zero to $25 million.

> Analyze/interpret fully insured and self funded reports.

Compare manual rating to individual group experience

ratings.

> Identify and rate risk and ongoing liability while setting

appropriate funding factors.

> Review plan of benefits. Provide client feedback to support

rating. Cultivate long-term broker/agent relationships,

while continually seeking potential new business targets.

1996 - 2000 Managed Care Specialist, Cartersville Medical Center,

Cartersville, GA

> Provide in-depth review and analysis of all managed care

contracts, while maintaining integrity of master files, and

identifying variances in network reimbursements verses

negotiated contracts. Identify issues in network contracts

requiring re-negotiation.

> Play key role in establishing policies and procedures for

A/R and Central Business Office.

EDUCATION A.A. - Business Management and Marketing, Georgia

Northwestern Technical College,

Rome, GA, 1989

Certification - Accounting, Georgia Highlands College,

Rome, GA, 1998

Certifications - Managed Care, Managed Care

Reimbursements, Managed Care

Applications, Eastside Mediplex, Atlanta, GA, 1999

SOFTWARE MS Office Suite, DYS Delphi, DYS ESL, Outlook, Internet

Research

REFERENCES Available upon request

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