Melanie Ortiz
Santa Clarita
Summary
Diligent Underwriter with solid foundation in assessing risks and determining insurance coverage terms. Demonstrated ability to evaluate applications, ensuring policies align with company standards. Proven skills in analytical thinking and decision-making to secure profitable underwriting results.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Underwriter
BTIS
Rocklin, CA
02.2022 - Current
- Review insurance applications and documentation to determine if the applicant is an acceptable risk in accordance with company guidelines and standards and appropriate risk classifications.
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Recommend appropriate premiums and coverage for risks after complete analysis and consideration of applicant documentation, business factors and competitive situations
- Prepare written communication on adverse underwriting
- Evaluate pricing and coverage to ensure premiums charged are accurate decisions, proposals, referrals, rate appeals, underwriting requirements, status and declinations
Associate Underwriter
BTIS
Rocklin, CA
08.2021 - 02.2022
- Underwrite workers compensation renewals with full carrier authority
- Underwrite workers compensation renewals with full carrier authority.
- Process renewals with all of our carrier partners
- Review & process broker of record changes
- Support Underwriters with various tasks
- Assist customers with inquiries regarding their policies and renewals via phone, chat, and email.
- Process endorsement requests and bind requests, as needed
Customer Service Representative
BTIS
Rocklin, CA
05.2019 - 02.2022
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
- Handled escalated calls efficiently, finding satisfactory resolutions for both customers and the company alike.
- Responded to customer requests for products, services, and company information.
- Assist customers with inquiries regarding their policies, including status updates, billing issues, pending changes, audit questions, and more
- Assist customers with changes to policies, process endorsements, research issues, and working with carriers to fulfill customer requests
- Support the Underwriters with a various ensemble of responsibilities
Underwriting Assistant
Pacific Gateway Insurance Agency
Valencia, CA
11.2001 - 04.2019
- Assists lead underwriter in assessing policies
- Underwrites premium for new/prospect business
- Service accounts - process monetary endorsements
- Submit surplus lines filings for non-admitted placements
- Issue binders, policies, invoices, cancellations, reinstatements, endorsements, loss runs
- Review Motor vehicle reports from DMV
- Issue filings - Federal, PUC, DMV
- Review claim notices and send to carrier for processing
- Process certificates/ID cards
- Issue Additional Insured/Designated Insured endorsements
Education
Mike Russ Insurance
Woodland Hills, CASkills
- Underwriting guidelines
- Analyzing data
- Documentation review
- Risk assessment
- Application review
- Quoting and pricing policies
Certification
- Insurance Producer License - CA
Timeline
Underwriter
BTIS
02.2022 - Current
Associate Underwriter
BTIS
08.2021 - 02.2022
Customer Service Representative
BTIS
05.2019 - 02.2022
Underwriting Assistant
Pacific Gateway Insurance Agency
11.2001 - 04.2019
Mike Russ Insurance