Objective:
Having more than 5 years of experience in Business Processing and Insurance Industry, I would like to apply my skills with my personal attributes in a company that will give me a chance to use my experience in helping the organization set, achieve & exceed its goals and objectives as I develop my career further.

Key Skills:
• Knowledgeable in underwriting and medical terminologies
• Demonstrated PC skills, with good working knowledge of MS Word, Power Point and Excel
• Good communication and interpersonal skills
• Risk management and analytical skills
• Fast learner and flexible to change

Professional Experience:
New Business and Underwriting- Life Insurance Underwriter
BDO Life Assurance Co., Inc.
October 02, 2017 – February 28, 2019

Functions:
• Assessment of Individual Life, Critical, and Disability risk of all ages
• Evaluation of risk and insurability of prospective client for life insurance.
• Gather and assess background information, including requesting questionnaires and medical records (APS, laboratory and diagnostic tests, and any hospitalization records) from specialists/clinic where appropriate, in order to effectively assess the risk involved.
• Practices to keep all personal, financial, and medical information of proposed client are handled with high confidentiality.
• Determine policy terms and calculate premiums on the basis of the client’s assessed level of mortality risk.
• Provide detailed explanation of the underwriting decision, negotiate the terms with financial advisors or area sales managers and draw up contracts for the proposed client to decide.
• Refer complex cases with specialists, such as doctor/ medical consultant, senior underwriters, and supervisors for risk assessment, and develop good working relationships with financial advisors.
• Keep detailed and accurate records of policies underwritten and decisions made.
• Appropriately document and report cases in Medical Insurance Bureau.

Canadian Group Benefits- Medical Underwriter
Manulife Business Processing Services
May 05, 2014- April 28, 2017

Functions:
• Assessment of Life, Disability and Critical Illness risk of the Group applicant and Dependents.
• Review Evidence of Insurability forms for completeness
• Determine what additional medical/non-medical information is required for risk assessment
• Order any medical requirements via on-line PC link to outside vendor or direct from employee
• Review outstanding evidence (Attending Physician Statements, Insurance Blood Profiles, Vitals, Medical and Avocation Questionnaires) and evaluate against the established mortality and morbidity ratings
• Identify acceptable risks and approve/decline coverage
• Provide detailed explanation of medical decisions to applicants and/or physicians
• Refer complex cases to Senior Medical Underwriter
• Communicate decisions to Plan Sponsor and Plan Member
• Create appropriate letter correspondence to Plan Members and Plan Administrators
• Include any applicable health/avocation questionnaires, or the original Evidence of Insurability form if required
• Respond to inquiries received from Customer Service, RGOs, Plan Members and 3rd Party Providers within appropriate service standards through Med UW Lotus Notes ID, CSR Desktop, e-mail & written correspondence (i.e. Plan Member ‘why’ decline inquiries)

New Business Input- Business Process Associate
Manulife Business Processing Services
September 03, 2012- May 02, 2014

Functions:
• Checks and analyze information provided in the paper application for Life, Business, and Critical Illness insurance
• Inputs information of the client to Arrow system and modify them if needed.
• Handles Input change of personal details of clients, coverage and etc.
• Applies cheques on CLAS Mainframe
• Requests requirements to Advisors when information is unclear, missing or for routinary (due to client’s age or the amount of coverage applied)
• Responds to inquiries received from Customer Service, Case Managers, 3rd Party providers within MBPS
• Upholds high level of accuracy and productivity with strong attention to details
• Floor Support.

Certifications:

• ALU 101 (Association of Life Underwriting) – June 2015
• ALU 201 – June 2016

Trainings Attended:
• Spreadsheet Training- September 2013
• Presentation Skills Training- August 2013
• Project Management Training- April 2015
• Business English Grammar Training- August 2015
• Business Process Management Notation- August 2016
• Business English Speaking Training- September 2016