Charlene A. Smith

Florence, SC ***** 908-***-**** ad5bi3@r.postjobfree.com linkedin.com/in/charlene-smith-6b402358

TARGET ROLE: MULTI-LINE PROPERTY & CASUALTY COMMERCIAL UNDERWRITER

Analytical, results-driven professional with 15+ years of combined experience in commercial underwriting and exceptional client service. Equipped with comprehensive knowledge of agency/brokerage relationships, commercial insurance, claims, and general liability. Capacity to establish underwriting policy and procedures and bring policy to completion with binding coverage, invoicing, and policy issuance. Ability to assess risks, negotiate premiums, and determine the desirability of accepting or rejecting risks within guidelines. Critically analyze insurance policy submissions to develop clear and documented decisions. A team player with the integrity and diplomatic skills to work with people of all levels in a fast-paced environment.

CORE COMPETENCIES

Certificates Processing Client Relationship Building Risk Assessment Policy Review Data Entry Quoting & Marketing Funding Conditions Loan Documentation Regulatory Compliance Employment Practices Liability Risks Acceptability Policy Development Service Level Agreement Customer Service Influential Negotiation Process Endorsements Strong Mathematical Skills Excellent Verbal Communication Skills Keen Attention to Detail and Accuracy Analytical Skills

PROFESSIONAL EXPERIENCE

Allstate Insurance Company States of CA, OR, ID, & FL Apr 2015 – Present

UNDERWRITING ANALYST III

Leverage industry best practices to supervise a team of five (5) members as well as manage and expand small to middle market accounts that range from $500 to $90k in premium. Effectively employ underwriting procedures and processes countrywide.

Manage the growth in the number of policies written with a focus on business owners’ policies with a 35% revenue increase.

Render strategic underwriting support to the sales management team, including working within established parameters.

Effectively deal with agents and coworkers and assist team members in understanding and applying policies and theories.

Act as a restaurant subject matter expert and excel in maintaining quality and production standards within SLAs.

Conover Beyer Associates, Inc. Manasquan, NJ May 2013 – May 2014

COMMERCIAL LINES CSR

Accounted for obtaining quotes for new & renewal policies from various insurance brokers and retrieved quotes via rating systems.

Expanded services by marketing new and existing accounts for competitive pricing and broader coverage with carriers.

Expedited endorsements for policies,, and maintained client databases via AMS 360 and shared directories.

Hastened change requests and increased coverage limits in collaboration and direct communication with various carriers.

Served in technical leadership capacity to productively assist in the development of employees through training.

J.P. West, Inc. New York, NY Oct 2012 – May 2013

COMMERCIAL LINES CSR

Sustained robust client relationship by following-up on phone calls and secured all trailing documents from customers daily.

Enthusiastically called prospective clients to solicit new business to grow the property & casualty book of business.

Processed certificates and expedited endorsements for policies in accordance with standard operating procedures.

Ensured customer satisfaction by responding to their queries promptly, solving, or referring their issues to the proper department.

A. Logan Insurance Brokerage New York, NY Feb 2012 – Sept 2012

COMMERCIAL LINES CSR

Spearheaded policy checking to ensure bound coverage was correct and AMS360 correctly reflected that coverage.

Adhered to agency systems, procedures, and timeframes while keeping suspense items current according to processes.

Accurately issued certifications, identification cards, endorsements, and MVRs, including attaching necessary documentation.

Managed requests from internal and external clients with the utmost professionalism and absolute integrity.

International Bond and Marine Hoboken, NJ Dec 2009 – Jan 2011

COMMERCIAL LINES CSR

Performed duties integral to processing renewals, renewal submissions, and policy change requests following existing rules.

Assisted with resolving billing issues, changing policies, and making policy recommendations to optimize workflow.

Verified new customers' coverage and promptly presented policyholders with proof of insurance paperwork.

Professionally handled complaints answered incoming questions and retrieved quotes utilizing rating systems.

PREVIOUS WORK EXPERIENCE

Commercial Lines CSR, Borden Perlman Insurance Agency Lawrenceville, NJ

Tasked with receiving the first report on claims, submitting to a carrier, and following up until settlement with efficiency.

Acted as a Team Leader to train and prepare new hires with day-to-day responsibilities to achieve objectives.

Quoted worker’s compensation coverage and handled all small business accounting that ranged from $500-$25000 in premium.

Policy Analyst Assistant, Marsh Insurance Company Morristown, NJ

Interfaced between client representative and policy analyst for missing underwriting information, including updating and maintaining underwriter information in the information system in compliance with existing rules and procedures.

Thoroughly prepared all well-reviewed documentation needed by the policy analysts for review meetings.

EDUCATION & CERTIFICATIONS

Associates in Business Administration

Southern New Hampshire University, Manchester, NJ, In progress

Property and Casualty License

Atlantic School of Insurance, Piscataway, NJ, 2013

TECHNICAL SKILLS

CAP, Connexus, Sagitta, AMS360, TAM, Applied, AS400, DMV/MMVR, SAP, Wins, Online Rating Systems (Hartford, Zurich, CAN, Harleysville, Philadelphia, Lloyds of London and Chubb), Microsoft Office Suite (Word, Excel, PowerPoint, Teams)

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