Dakshan Ravichandra
Ajax,Canada
Summary
Detail-oriented Intermediate Commercial Underwriter with experience in assessing new business, processing renewals and endorsements, and supporting profitable portfolio growth. Adept at applying underwriting guidelines, evaluating risk exposures, and fostering strong broker relationships. Known for delivering accurate and timely decisions, collaborating effectively with internal teams, and maintaining a high standard of service and compliance within underwriting operations.
Overview
16
16
years of professional experience
Work History
Commercial Property Underwriter II
Wawanesa Mutual Insurance
05.2023 - Current
- Evaluate new business submissions to ensure compliance with underwriting guidelines and support portfolio profitability.
- Use underwriting tools and judgment to assess exposures, loss history, and risk characteristics for complex commercial accounts.
- Monitor market trends, competitive activity, and regulatory developments to support informed underwriting practices.
- Support training and mentorship of junior staff or underwriting assistants, contributing to a collaborative team environment.
- Actively participate in broker meetings and business development discussions to align underwriting strategies with market needs.
- Exceeded yearly new business targets finishing among the top 5 in GWP in 2024 for Ontario Region
- Effectively manage a monthly production target of $65,000 in written premium by prioritizing high-potential opportunities
- Prior brokers I have worked with: AJG, Navacords, St Andrews, Oracle, Brokers Trust, HUB
Commercial Property Underwriter I
Wawanesa Mutual Insurance
05.2021 - 05.2023
- Determined appropriate premium rates based on individual risk profiles.
- Build and maintain relationships with brokers and clients, providing exceptional service and support.
- Manage policy renewals and endorsements, ensuring accurate adjustments and updates to coverage and premiums.
- Reviewed inspection reports and actioned accordingly
- Exceeded a monthly target of $40,000 a month
Underwriting Assistant
Wawanesa Mutual Insurance
03.2020 - 05.2021
- Assisted underwriters with data entry, renewal information collection, new business issuance, amongst other tasks
- Assisted with migration of company legacy system to guidewire
Agency Service Advisor
Allstate Insurance Canada
06.2018 - 03.2020
- Handling Allstate’s daily deposit and applying cheques and telepayments to policies
- Answer calls from agents to assist with policies (reversing fees, setting up monthly payments, answering billing inquiries, issuing renewal documents, deleting endorsements, reinstating lapsed policies, etc.)
- Investigating payment discrepancies and issuing refund cheques for overpayments
- Working with regional underwriters to handle billing related matters and policy backdates
Junior Bookkeeper
OK Tax Services
09.2012 - 06.2013
- Entered transactions into accounts and verified receipts
- Answered and made phone calls to clients with respect to accounting requests
- Assisted accountants with preparations of financial statements
Office Administrator
Toronto District School Board
09.2009 - 06.2012
- Performed daily administrative duties; attendance logging, photocopying, supply distribution etc. for TDSB international languages program
- Handled inbound and outbound calls
- Performed weekly inventory counts for program's school supplies
Education
Bachelors of Commerce -
McMaster University
12.2017
Skills
- Broker Relationship Management
- Decision-Making Under Authority Limits
- Risk assessment & analysis
- Collaboration
- Training (systems, workflow, on-boarding)
- Team collaboration
- Problem solving
- Customer service
Certifications
- CIP designation
- Commercial insurance certificate
Timeline
Commercial Property Underwriter II
Wawanesa Mutual Insurance
05.2023 - Current
Commercial Property Underwriter I
Wawanesa Mutual Insurance
05.2021 - 05.2023
Underwriting Assistant
Wawanesa Mutual Insurance
03.2020 - 05.2021
Agency Service Advisor
Allstate Insurance Canada
06.2018 - 03.2020
Junior Bookkeeper
OK Tax Services
09.2012 - 06.2013
Office Administrator
Toronto District School Board
09.2009 - 06.2012
Bachelors of Commerce -
McMaster University