Abebe Reddy
Loganville,GA
Summary
Dynamic Commercial Underwriting Specialist with a proven track record at Auto-Owners Insurance Company, excelling in risk assessment and negotiation proficiency. Adept at optimizing profitability and influencing business growth through strategic policy evaluation and strong client relationships. Recognized for enhancing team performance, mentoring new underwriters, and delivering exceptional results in a fast-paced environment.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Commercial Underwriting Specialist
Auto-Owners Insurance Company
05.2021 - Current
- Trained in various commercial lines such as Auto, BOP (Business Owners Policy), TPP (Tailored Protection Policy, which includes Liability, Property, Inland Marine, and Crime), Workers Comp, Umbrella.
- Analyze new submissions for commercial risks by reviewing applications, loss history, audit reports, work experience, etc to determine if the risk is eligible and acceptable.
- Review policies for renewal to determine if eligible and acceptable for renewal.
- Review and process endorsement requests.
- Made approval and denial recommendations by determining accurate risk levels.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Negotiated terms and conditions of coverage with clients to acquire maximum profitability.
- Evaluated applications to determine insurance coverage and appropriate risk classifications.
- Scrutinized underwriting performance to identify weaknesses and provide recommendations for improvement.
- Built strong relationships with agencies to help bring good and profitable business to Auto-Owners.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Identified and resolved application discrepancies for accuracy and eligibility.
Auto Claims Adjuster
Auto-Owners Insurance Company
11.2016 - 05.2021
- Examined photographs and surveillance and any other documents relating to claims.
- Negotiated with our insureds and claimants to settle claims.
- Documented all findings in concise reports.
- Issued payouts to claimants.
- Carried and managed consistently heavy project workload through exemplary organizational, time management and collaboration talents.
- Coordinated with local body shops to assign repair jobs and obtained rental vehicles for customers for duration of restoration process.
- Identified suspicious claims, escalating issues to supervisor for further investigation and analysis.
- Enhanced customer satisfaction by delivering honest advice to policyholders in regards to repair work and body shop processes.
- Successfully negotiated settlements with claimants and insurers.
- Kept current on insurance regulations, laws, policies and procedures.
- Reviewed police reports, photographs and other documentation to gain complete understanding of accident.
- Goal-oriented professional with proven success in applying analytical skills to solve complex problems and overcome challenges. Dedicated to enhancing team performance and driving business success.
- Paid attention to detail while completing assignments.
- Settle bodily injury claims with claimants and their attorneys.
- If a suit is filed against our insured, I'll assign defense counsel and coordinate with them, our insured, and our Home Office Legal Dept to help settle the claim before going to trial.
- Attend mediations with defense counsel.
Social Services Specialist
DeKalb County Dept. of Family & Children Services
03.2016 - 10.2016
- Assist individuals and families in obtaining public assistance, such as SNAP (Supplemental Nutrition Assistance Program), TANF (Temporary Assistance for Needy Families), and Medicaid.
- Coordinated with social, public, and welfare agencies with other states and jurisdiction to obtain and provide client information.
- Assisted clients in accessing services and benefits by providing education and information about community resources, successfully assisting clients in acquiring needed aid.
- Cultivated positive, trusting relationships with clients and community providers to promote effective coordination of resources.
- Provided crisis intervention, guidance, and supportive counseling to clients.
Auto Claims Adjuster
State Farm
04.2014 - 12.2015
- Negotiated with claimants to settle claims.
- Demonstrated a high level of initiative and creativity while tackling difficult tasks.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Examined photographs and surveillance and any other documents relating to claims.
- Documented all findings in concise reports.
- Issued payouts to claimants.
- Carried and managed consistently heavy project workload through exemplary organizational, time management and collaboration talents.
- Coordinated with local body shops to assign repair jobs and obtained rental vehicles for customers for duration of restoration process.
- Identified suspicious claims, escalating issues to supervisor for further investigation and analysis.
- Successfully negotiated settlements with claimants and insurers.
- Enhanced customer satisfaction by delivering honest advice to policyholders in regards to repair work and body shop processes.
- Kept current on insurance regulations, laws, policies and procedures.
- Reviewed police reports, photographs and other documentation to gain complete understanding of accident.
- Goal-oriented professional with proven success in applying analytical skills to solve complex problems and overcome challenges. Dedicated to enhancing team performance and driving business success.
- Paid attention to detail while completing assignments.
Customer Service Representative
State Farm
10.2012 - 04.2014
- Worked as an extension of the local agency offices by responding to customer requests for products, services, and company information.
- Filing auto and property claims.
- Setting up tows for our insured's disabled vehicles.
- Process premium payments.
- Developed highly empathetic client relationships and earned reputation for exceeding service standard goals.
- Maintained up-to-date knowledge of product and service changes.
- Delivered prompt service to prioritize customer needs.
Education
Bachelor of Science - Industrial And Organizational Psychology
Southern New Hampshire University
Hooksett, NH06-2015
Skills
- Documentation review
- Industry trends
- Data analyzation & interpretation
- Policy evaluation
- Influencing business growth
- Mentorship
- Underwriting guidelines
- Renewing policies
- Quoting and pricing policies
- Policy renewal
- Managing risk
- Negotiation proficiency
- Profitability optimization
- Risk assessment
- Loss mitigation
- Trend analysis
Certification
- AINS-Associate In General Insurance
Affiliations
- Graduate of Dale Carnegie & Associates
Timeline
Commercial Underwriting Specialist
Auto-Owners Insurance Company
05.2021 - Current
Auto Claims Adjuster
Auto-Owners Insurance Company
11.2016 - 05.2021
Social Services Specialist
DeKalb County Dept. of Family & Children Services
03.2016 - 10.2016
Auto Claims Adjuster
State Farm
04.2014 - 12.2015
Customer Service Representative
State Farm
10.2012 - 04.2014
Bachelor of Science - Industrial And Organizational Psychology
Southern New Hampshire University
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