Tammy Cheng

• Mentor and develop team members and facilitate sessions for sharing of knowledge and best practices
• Provide underwriting technical guidance and training to ensure consistency in implementation of change
• Lead and participate in periodic file reviews for quality assurance purposes
• Perform research and analysis of industry and company data to contribute towards assigned initiatives
• Foster positive working relationships with internal and external parties, including other regional offices and networking at industry events
• Stay up to date on system enhancements, underwriting guidelines, and procedural changes to ensure accurate processing.
• Liaise with Head Office, as subject matter expert, to assist with:

- Rate and Product Development

- Develop Underwriting Guidelines

- System Technological Advancements

• Evaluate and underwrite new and renewal commercial insurance applications, ensuring decisions align with established company guidelines, risk appetite, and compliance standards.
• Analyze risk factors such as business operations, financial stability, claims history, and industry exposures to determine appropriate coverage levels, pricing, and policy terms.
• Review and interpret underwriting data, inspection reports, and loss control recommendations to make sound underwriting decisions.
• Build and maintain strong working relationships with brokers, agents, and internal stakeholders to facilitate smooth policy processing and improve business retention.
• Negotiate terms and conditions of coverage with brokers and agents, balancing risk management with competitive market positioning.
• Monitor and manage commercial lines portfolio to maintain profitability, growth, and risk quality.
• Document underwriting decisions clearly and accurately to support internal audit requirements and regulatory compliance.