SAMUEL J. MOBLEY
Charlotte
Summary
Dynamic insurance professional with over a decade of expertise in commercial underwriting, poised to leverage analytical skills in new industries, particularly in technical roles. Proven track record in interpreting risk and analyzing complex datasets to drive data-informed decisions using tools such as Excel, Tableau, and R. Certified in Google Data Analytics, R programming, and CompTIA Security+, with a robust understanding of data protection and compliance. Recognized for effective collaboration with cross-functional teams at all organizational levels, excelling in anomaly detection, trend monitoring, and safeguarding data integrity.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Middle Market Underwriter
Builders Mutual
Charlotte/Raleigh, NC
07.2025 - Current
- Prepares and documents file strategy, underwriting rationale, and final decisions while exercising assigned individual underwriting authority.
- Underwrites highly complex risks with an entrepreneur mindset, identifying opportunities to improve growth, profitability, rate, retention, diversification, and executing targeted marketing plans.
- Develop and maintains strong agency/broker relationships with large producers through responsive service, office/site visits, and in person and virtual meetings; assists agents/brokers with pipeline management strategies.
- Develop and maintains key client relationships, coordinating service team efforts and proactively anticipating issues, proposing creative, and practical solutions.
- Determine, coordinate, and direct account management activities with internal partners to deliver a cohesive account experience.
- Stays current on state/territory issues and regulations, industry activity and market trends; may participate in industry trade groups and external networking activities.
- Makes recommendations on underwriting policy, appetite, and pricing strategy based on portfolio and market insights.
- Mentors and guides less experienced underwriters and assist in the development of underwriting training.
- Review new business submissions and makes final risk acceptability and pricing decisions on all applicants within authority of $150,000 account premium. For those risks beyond the underwriter’s authority, the underwriter analyzes the risk and makes appropriate recommendations to management.
- Review and make pricing and coverage decisions on renewals within designated authority
- Order and review loss control surveys and takes appropriate action based on survey results and recommendations
- Monitor underwriting quality and pricing for the entire book of business as well as at the agency level
- Keep abreast of changing rules and laws pertaining to commercial insurance
Small Commercial Underwriter
Allstate Business Insurance
Charlotte, NC
07.2016 - 12.2024
- Managed the profitability, growth, and retention of an assigned book of business over 2M, in a high-volume, fast paced environment. Balanced individual account underwriting within an assigned portfolio of business.
- Underwrote and skillfully negotiate property and casualty commercial accounts to minimize risk and maximize profitability.
- Ensured underwriting quality and profitability through application of the appropriate level of underwriting analysis based on risk complexity to accept, decline, modify, or rate and quote accounts.
- Cultivated and maintained relationships with internal partners/sales/upper management/and outside clients within the business unit and across the enterprise to create sales plans and identify cross-selling opportunities.
- Fostered and maintain relationships with external partners by regularly meeting in person with agents and brokers to market and sell Allstate products with a goal of writing and retaining accounts consistent with our risk appetite.
- Partnered with Sales Executives/Data Analytics/Operations to identify and write new business opportunities using consultative marketing and sales skills.
- Collaborate effectively with underwriting leadership, as appropriate.
Small Commercial New Business Underwriter
The Hartford Financial Group
Charlotte, NC
09.2013 - 07.2016
- Managed a 4-state territory and collaborated across departments to improve underwriting workflows.
- Ensured underwriting consistency while developing advanced Excel models for territory performance analysis.
- Successfully responsible for four states and due to success in profitability, growth, process implementation and retention of assigned territory size of greater than $12 million, in total written premium
- Retained large accounts with a 90% renewal retention in premium and serviced accounts in the mid-term/technology/programs space by building solid agency relationships.
- Analyzed risk, developed appropriate premium and coverage, and executed sales plans/priorities for the territory along with agency prioritization and segmentation.
- Led committee responsible for post-training and mentoring program for a team of new hires after probation period to conduct file review and provide training, best practices, coaching, and feedback.
- Worked with different teams such as Operations/Billing/Data Analytics/Programs to provide coverage information and maintenance for General Liability, Property, Workers’ Compensation, and Automobile Insurance Policies for Small Commercial Business Owners.
Loan Document Underwriting Specialist IV
Wells Fargo Home Mortgage
Charlotte, NC
08.2012 - 09.2013
- Managed a high-volume loan pipeline and ensure loans close as scheduled and in compliance.
- Ensured third-party vendor orders are placed and received within agreed upon Service Level Agreement (SLA).
- Conducted quality control of transactional documents such as title commitments, purchase contracts, escrow instructions, deeds, closing statements and other documentation common to purchase and refinance transactions. Familiarity with assignments, double escrow, cash purchases, auction purchases, non-arm’s length transactions and other non-traditional circumstances is a plus.
- Coordinated lien resolution with title (and third parties) such as city liens, substandard liens, subordinate liens.
- Prepared and submit complete loan files for asset underwriting.
- Pipeline managed and collaborated with multiple internal departments for closing including Evaluations, Asset and Construction Underwriting, Docs and Legal
- Update internal loan processing system which include data fields, transactional documentation, and notes.
- Responsible for requesting and reviewing prior to doc, prior to funding and post-closing conditions.
- Responsible for releasing loan documents and coordinating signing with Notary Public as needed.
Education
Bachelor of Science - Marketing
Johnson & Wales University
Associate of Science - Business Management
Johnson & Wales University
Skills
- Security Risk Assessment & Compliance (Security)
- Data Analysis & Visualization (Excel, Tableau, R, SQL)
- Vulnerability Management & Trend Analysis
- Incident Response Fundamentals
- Network Security Principles
- Risk & Compliance Documentation
- Risk analysis and exposure evaluation
- Financial/Risk statement review and interpretation
- Policy term development and coverage structuring
- Renewal management and retention strategy
- Broker/agent relationship management
- Loss history review and trend analysis
- Regulatory compliance and documentation accuracy
- Portfolio performance monitoring and risk selection
- Cross-functional collaboration and stakeholder communication
Certification
- CompTIA Security+ (2025)
- Google Data Analytics Certificate – includes training in R programming, SQL, data cleaning, visualization, and statistical analysis
Website
https://www.linkedin.com/in/sam-mobley-2b052132/
Timeline
Middle Market Underwriter
Builders Mutual
07.2025 - Current
Small Commercial Underwriter
Allstate Business Insurance
07.2016 - 12.2024
Small Commercial New Business Underwriter
The Hartford Financial Group
09.2013 - 07.2016
Loan Document Underwriting Specialist IV
Wells Fargo Home Mortgage
08.2012 - 09.2013
Associate of Science - Business Management
Johnson & Wales University
Bachelor of Science - Marketing
Johnson & Wales University