Evonne Dsouza
Melbourne
Summary
Dynamic Liability Underwriter with proven expertise at QBE Insurance in risk assessment and relationship building. Successfully increased customer satisfaction through effective communication and mentorship, while ensuring compliance and accuracy in underwriting decisions. Skilled in problem-solving and data analysis, contributing to enhanced team performance and operational efficiency.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Liability Underwriter
QBE Insurance
07.2022 - Current
- Analyze risk exposures, income, business activities during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Conducted regular audits of underwriting files to ensure accuracy, compliance, and consistency in decision-making processes.
- Developed strong relationships with brokers, leading to a higher volume of quality submissions and successful underwriting.
- Increased customer satisfaction through timely communication and efficient handling of loan applications.
- Mentored new hires by providing guidance on best practices, job functions, contributing to their successful onboarding and integration into the team to improve overall team performance.
Plant & Equipment Underwriter
360 Plant & Equipment
12.2017 - 07.2022
- Evaluate the risks associated with insuring plant and equipment, considering factors like the type of equipment, its age, condition, intended use, and the client's operations.
- Review insurance applications for plant and equipment, gathering information about the insured's operations, financial stability, and risk profile.
- Determine the suitability of an applicant for insurance, deciding whether to offer coverage and what terms and conditions to apply.
- Calculate appropriate premium rates based on the assessed risk, ensuring profitability for the insurance company.
- Communicate with clients and brokers to discuss policy terms, address concerns, and negotiate coverage options.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Worked effectively in fast-paced environments with proven ability to learn quickly and adapt to new situations.
- Skilled at working independently and collaboratively in a team environment.
Assistant Underwriter - SME
Allianz Insurance
06.2014 - 12.2017
- Accurately and efficiently process insurance applications, ensuring all necessary documentation is collected and organized.
- Gather and verify information from various sources to support the underwriting process, including applicant data, policy details, and risk factors.
- Assist underwriters in assessing the risks associated with insurance applications, potentially including preliminary risk analysis.
- Ensure that all policies and applications comply with underwriting guidelines and regulatory requirements.
- Responded to customer requests via telephone and email and effectively answered questions and inquiries.
- Communicate with internal teams, brokers, and potentially clients to address inquiries and provide updates.
- Verified data integrity and accuracy.
Claims Consultant
Allianz Insurance
06.2013 - 06.2014
- Managed large caseloads effectively, prioritizing tasks to ensure prompt attention to urgent matters.
- Resolved complex claims, utilizing expert knowledge of policy coverage and industry regulations.
- Provided expert advice on coverage limits and exclusions, helping clients make well-informed decisions about their insurance needs.
- Negotiated favorable settlements for clients, maintaining a high success rate in claim resolutions.
Education
Master of Accounting & Business - Accounting And Business
Victoria University
Melbourne, VIC02-2013
Skills
- Risk assessment & data analysis
- Policy interpretation
- Problem solving & critical thinking for team collaboration
- Detail orientation
- Relationship building
- Risk mitigation & management
Accomplishments
- Manage $10m plus book of business.
- Trained 3 new staff members.
- New business strike rate of over 25% and renewal retention rate of 90%
Certification
- Diploma in General Insurance - ANZIIF - June 2020
Languages
English
Native or Bilingual
Hindi
Full Professional
Timeline
Liability Underwriter
QBE Insurance
07.2022 - Current
Plant & Equipment Underwriter
360 Plant & Equipment
12.2017 - 07.2022
Assistant Underwriter - SME
Allianz Insurance
06.2014 - 12.2017
Claims Consultant
Allianz Insurance
06.2013 - 06.2014
Master of Accounting & Business - Accounting And Business
Victoria University
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