Pamela Cline
Harrisburg
Summary
I am an accomplished underwriter with 37 years of comprehensive experience in the insurance industry. Expertise encompasses commercial underwriting (small business) within general business and book consolidation, as well as excess and surplus lines underwriting (small to middle-market businesses) in the programs sector. Proven proficiency in project management and leadership. Seeking a full time remote position that leverages my extensive skill and set in-depth knowledge of the insurance industry to contribute to organizational growth and address professional challenges
Overview
38
38
years of professional experience
Work History
Senior E&S Program Underwriter
Venture Programs
04.2023 - Current
- Underwrites new and renewal business using sound analysis and risk assessment techniques.
- Adheres to and enforces all Venture Programs’ Best Practice (Customer) Service Standards.
- Develops working business relationships with agencies and brokers.
- Meets established premium/revenue production goals while maintaining profitability standards set for the program.
- Identifies opportunities for growth within new and existing production sources. Works in a team environment to drive profitability of the territory and book of business.
- Capitalizes on internal resources by partnering with Sales and Marketing to better increase opportunities.
- Accurately bills all bound items within the required timeline.
- Reviews and approves endorsements that have been referred within the established guidelines.
- Resolves all open issues identified in the Underwriting Quality Control and carrier file audit process within the time frame established; documents actions taken in writing.
- Partners with program Underwriting VP in developing an annual business plan for assigned territory. Analyzes and evaluates results on a quarterly basis.
- Keeps abreast of market trends, competition philosophy, products and distribution systems.
- Assist Program Underwriting VP in training newly appointed or hired underwriters, trainees and underwriting assistants in technical aspects of the job.
Senior Underwriter - Book Consolidations
The Hartford
10.2019 - 04.2023
- Currently managing a $52 Million dollar book consolidation
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Made approval and denial recommendations by determining accurate risk levels.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Evaluated applications to determine insurance coverage and appropriate risk classifications.
- Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.
- Collaborated with other professionals to develop innovative underwriting solutions.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Met with customers, agents and brokers to negotiate coverage, price, and service delivery.
- Analyzed data to identify trends and predict future insurance needs.
- Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.
Senior Underwriter - Small Commercial
Hartford
06.2016 - 10.2019
- Evaluated applications to determine insurance coverage and appropriate risk classifications.
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Made approval and denial recommendations by determining accurate risk levels.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Evaluated or assessed businesses applying for insurance by qualifying accounts, determining premium and policy terms and conditions and negotiating contracts with authorized business representatives.
- Supported marketing and sales activities with subject matter expertise.
- Focused on maintaining profitable business segment for company.
- Worked alongside marketing department to effectively cross-sell company's offerings.
- Reviewed Small Commercial P&C accounts to make accurate decisions by accounting for risk, hazards and exposure.
- Guided, mentored and coached underwriters in both technical and professional skills, instilling best practice and company standards.
- Met with customers, agents and brokers to negotiate coverage, price, and service delivery.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
Commercial Underwriter
Hartford
06.2008 - 06.2016
- Built strong, strategic partnerships with key agents to leverage profitable new business growth and increased agency production.
- Responsible for ensuring that underwriting practices and guidelines are understood and adhered to, specifically focusing upon pricing, risk selection, mix of business, flow management and quality analysis.
- Responsible for managing growth and profit goals for over 60 agencies in South Florida.
Project Associate
Hartford
02.2006 - 06.2008
- Worked with various teams across our organization to test and implement various processes for appointing and on-boarding new agencies using a low cost, telephonic model.
- Produced quality standards, checklists, report templates, and processes.
- Updated customers and senior leaders on progress and roadblocks.
- Met with manager weekly to provide detailed project report and milestone updates.
- Developed and trained junior team members by leveraging industry experience to achieve optimal project strategy.
- Project resulted in Hartford launching what is now called 'Inside Sales Team'.
Underwriter - Personal Lines
Hartford
01.2000 - 02.2006
- Responsible for achieving growth and profit initiatives, for an assigned territory through effective agency management and strong agency relationships.
- Managed 250+ personal lines agents with a total combined written premium volume in excess of $10.5 million dollars.
- Responsible for new hire training and mentoring.
- Supported agents with subject matter expertise in risk evaluations
- Developed and maintained strong relationships with customers, agents and sales.
Customer Service Manager
Hartford
01.1998 - 01.2000
- Trained and regularly mentored associates on performance-oriented strategies and customer service techniques.
- Took ownership of customer issues and followed problems through to resolution.
- Supervised employees and assessed performances to determine training needs and define accurate plans for decreasing process lags.
- Assumed ownership over team productivity and managed work flow to meet or exceed quality service goals.
- Collaborated with upper management to improve customer service processes and support structures company-wide.
- Maintained professional demeanor by staying calm when addressing unhappy or angry customers.
- Established team priorities, maintained schedules and monitored performance.
- Evaluated employee performance and conveyed constructive feedback to improve skills.
Personal Lines Underwriter
Hartford
04.1996 - 01.1998
- Evaluated applications to determine insurance coverage and appropriate risk classifications.
- Cultivated interpersonal skills by building positive relationships with others.
- Supported agents with subject matter expertise in risk evaluations.
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Met with customers, agents and brokers to negotiate coverage, price, and service delivery.
Customer Service Representative
Hartford
07.1990 - 04.1996
- Handled customer inquiries and suggestions courteously and professionally.
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
- Answered constant flow of customer calls with minimal wait times.
- Answered customer telephone calls promptly to avoid on-hold wait times.
Manual Rating Technician
Hartford
01.1987 - 07.1990
- Manually calculated insurance premiums for all new policies, renewals and endorsements that were not system supported.
Education
High School Diploma -
Central Cabarrus High School
06.1986
Skills
- Decision making
- Analytical thinking
- Underwriting expertise
- Relationship building
- Attention to detail
- Documentation review
- Process improvement
- Underwriting guidelines
- Time management
- Training and development
- Team leadership
- Project management
Timeline
Senior E&S Program Underwriter
Venture Programs
04.2023 - Current
Senior Underwriter - Book Consolidations
The Hartford
10.2019 - 04.2023
Senior Underwriter - Small Commercial
Hartford
06.2016 - 10.2019
Commercial Underwriter
Hartford
06.2008 - 06.2016
Project Associate
Hartford
02.2006 - 06.2008
Underwriter - Personal Lines
Hartford
01.2000 - 02.2006
Customer Service Manager
Hartford
01.1998 - 01.2000
Personal Lines Underwriter
Hartford
04.1996 - 01.1998
Customer Service Representative
Hartford
07.1990 - 04.1996
Manual Rating Technician
Hartford
01.1987 - 07.1990
High School Diploma -
Central Cabarrus High School
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