James Richardson
Charlotte
Summary
Professional with strong foundation in risk assessment, financial analysis, and decision-making. Skilled in evaluating creditworthiness, analyzing financial statements, and managing risk exposure. Adept at fostering team collaboration and adaptable to changing needs to ensure optimal results. Known for precision, reliability, and delivering impactful outcomes in underwriting.
Overview
7
7
years of professional experience
Work History
Surety Underwriter
Bond Exchange
2024.06 - Current
- Underwrite transactional and account based new business submissions up to 5MM through financial statement analysis, credit review, and appropriate underwriting guidelines for commercial, contract, probate, and fidelity surety independently and with a team.
- Generate leads through agent outreach programs and networking
- Advising agents on specific bond requirements, obligations, applicable statutes, and providing insight on the industries overall position for a given risk through customer service through up to 40 calls a day.
- Create and interpret daily reports through Microsoft Excel to gauge effectiveness new business strategy and coordinate with regions through meetings to optimize inquiry handling.
Crew Leader/Cashier
Autobell Car Wash
2022.10 - 2024.05
- Used great people skills to interact with customers to provide information and facilitate sales. Effectively lead employees' operations. In-depth customer service to go above and beyond while implementing interpersonal skills. Applied time management to complete tasks promptly.
Operations Coordinator
Ponders
2023.04 - 2023.08
- Handled management of project resources and scheduling. Responsible for keeping projects on track. Honed soft skills to foster a collaborative environment for peers and potential clients to grow.
Porter
Capital Ford of Charlotte
2022.01 - 2022.10
- Assisted customers, relocated vehicles and assisted all branches of service.
Crew Leader/Cashier
Autobell Car Wash
2020.10 - 2022.01
- Used great people skills to interact with customers to provide information and facilitate sales. Effectively lead employees' operations. In-depth customer service to go above and beyond while implementing interpersonal skills. Applied time management to complete tasks promptly.
Seasonal Lifeguard
Aquatech Pool Management
2018.04 - 2019.08
- Oversaw pool operations, officiated patrons and maintained sitewide resources.
Education
Bachelor's degree - Finance
UNC Charlotte
Charlotte, NC05.2024
Skills
- Risk assessment
- Analyzing data
- Time management
- Revenue generation
- Coverage determination
- Underwriting guidelines
- Interpersonal skills
- Customer service
- Credit analysis
- Client services
- Microsoft Excel
- Networking
- Leadership
- Surety Bonds
- Teamwork
- Microsoft Office
Accomplishments
- Processed up to 25 surety applications for all types of bonds daily.
- Collaborated with team of 6 in the development of automated underwriting systems.
- Completed test 4 of 5 for the A.F.S.B designation
- Managed and serviced bonding lines up to $5MM.
- Assisted agents through 40 phone calls a day.
Timeline
Surety Underwriter
Bond Exchange
2024.06 - Current
Operations Coordinator
Ponders
2023.04 - 2023.08
Crew Leader/Cashier
Autobell Car Wash
2022.10 - 2024.05
Porter
Capital Ford of Charlotte
2022.01 - 2022.10
Crew Leader/Cashier
Autobell Car Wash
2020.10 - 2022.01
Seasonal Lifeguard
Aquatech Pool Management
2018.04 - 2019.08
Bachelor's degree - Finance
UNC Charlotte