Risk & Underwriting Advisor

JAEYOUNG CHOE

*** ******* ****** ************, ** 19147 814-***-**** ********@*****.***

EDUCATION

Pennsylvania State University, Smeal College of Business December 2015

B.S. in Finance; Minor in International Business; GPA: 3.55

Center for European Studies, Maastricht University Summer 2014

PROFESSIONAL EXPERIENCE

New York Life Insurance Company (formerly Cigna), Risk and Underwriting Advisor June 2016 – Present

Evaluated the financial risk of Group Insurance Products for employer groups in California, Texas, Boston, Ohio Valley, Tampa, D.C., and Carolina markets

Added value to book of business comprised of approximately 1,200 clients worth $60 million in annual revenue by analyzing claim experience, market trends, and financial data of new business opportunities

Facilitated customer negotiations with Sales and Client Management by communicating rates and recommending overall product strategy

Assessed performance of current clients to determine renewal positions based on loss-ratio, economic value, and overall profitability

Mentored new hires by providing product guidance, reviewing live cases, and aiding with systems support throughout the duration of their training program

GEICO, Management Development Intern Summer 2015

Performed data analysis on inquiry calls and business practices in the TCR1 Claims department

Presented strategies on reducing Region 1 transfers for the Auto Sales & Service sector

Gained exposure to major insurance operations by working with upper management

LEADERSHIP EXPERIENCE

Penn State Smeal Student Council, Vice Chair of Smeal Development Committee 2012-2015

Identified and resolved academic issues within Smeal as Vice Chair of development task force

Wrote proposals for various projects presented to the Dean of Smeal

Organized social and fundraising events to bolster awareness and garner feedback of existing programs

Raised money for Penn State THON, a pediatric cancer organization, resulting in over $4,000 in funds

Penn State Investment Association, Healthcare Lead 2013-2014

Analyzed trends in equities valued over $975,000 in the Healthcare sector

Conducted financial valuations of $6.5 million student-run Nittany Lion Fund

Johnson & Johnson Case Competition February 2013

Worked in a 6-member group to compete and presented a holistic business solution to a panel of judges

Formulated investment decisions using financial metrics and strategic analysis

SKILLS

Applications: Cigna Underwriting Rating Tool, Oracle Hyperion, Tableau, Excel

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