Christopher Ayala
Underwriter Specialist
Surprise
Summary
Professional with strong background in underwriting, skilled in risk assessment, policy evaluation, and decision-making. Demonstrated ability to collaborate effectively with teams and adapt to changing requirements while consistently delivering results. Known for reliability, analytical skills, and keen eye for detail, ensuring accurate and efficient underwriting processes.
Overview
12
12
years of professional experience
Work History
Underwriting Specialist
Allianz AGCS/Arch
07.2022 - Current
- Portfolio manager of a $10.2M book, using existing and new relationships with key broker contacts to continue and grow relationships and profitability.
- Accountable for NB target growth of $500k
- Analyzed credit, revenue, terms, losses, and property TIV during underwriting process.
- Thoroughly reviews new and renewal applications for adequate coverage and risk selection.
- Monitored market conditions and economic trends to identify and limit potential risks.
- Calculated group and individual renewal rates based on customers' background, industry and demographic location.
Commercial Lines Underwriter III
Liberty Mutual
12.2019 - 07.2022
- Responsible for growth and retention of multi line casualty book valued at 8.2M in renewal DWP.
- Made recommendations to field producers on potential applications, risk control advisement while evaluating hazards and exposures.
- Maintained current understanding of industry and underwriting procedures.
- Provided technical expertise and mentoring to junior underwriting staff.
- Assessed new and renewal applications for financial liabilities and risk levels of acceptability.
- Met with customers, agents and brokers to negotiate coverage, price and service delivery.
- Made recommendations to field producers on potential applications.
- Applied accurate pricing standards to meet business needs and customer requirements.
Underwriter I / Account Specialist(National Lines)
Liberty Mutual
01.2018 - 12.2019
- Responsible for pricing and retention for renewal book of business estimated around 14M DWP.
- Forecasted account needs and metrics based on market and insurance loss/claims data.
- Assessed companies financials, risk control practices and policy coverages. Average policy size 2.5M in DWP.
- Worked closely with designated team including Risk Control, Senior Underwriter and Account Executives to negotiate and sell LM products and services across assigned territory.
- Networked with counterparts across the country to develop, test and implement UW & UA guidelines.
- Casualty lines consist WC, GL, Auto. Average policy size 4.5M.
- Primary classes consisted of Manufacturing, Retail & Hospitality.
Senior Account Analyst
Liberty Mutual
07.2014 - 12.2017
- Examined potential loss stemming from CAT, severity or frequency of possible losses.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks eligibility.
- Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.
- Responsible for post sale activities such as policy production, billing terms, endorsements and formal notices in compliance with state guidelines.
- Acted as first point of contact for all assigned agencies for policy changes or inquiries.
- Responsible for assisted hiring, training and onboarding of Analysts across state of CA
- Suggested, tested and implemented standard operating procedures used nationwide
Licensed Banker
Chase Bank
10.2013 - 06.2014
- Located and pre-qualified customers for mortgages.
- Evaluated client financial positions and identified most appropriate banking products.
- Networked with realtors and current clients to generate referrals.
- Managed escalated phone calls by applying conflict resolutions skills and extensive knowledge of bank policies, products and services.
- Adhered to established security procedures and reported potential fraud or safety violations to management for immediate recourse.
- Trained and mentored junior banking staff to maximize performance, efficiency and compliance.
Education
Insurance Designation - Target Graduation Date Q4 2024
CPCU
05.2001 -
N/A - Business Administration And Management
Cal State Fullerton
09.2010 - 2011.10
Certification Sales & Marketing in Hospitality -
Coastline ROP
01.2010 - 2011.01
Licensed Series 6 & 63 - Finance
SEC
01.2013 - 2013.12
High School Diploma -
Trabuco Hills High School
09.2007 - 2010.06
Skills
Portfolio management
Data interpretation
Terms negotiation
Relationship building
Risk management
Timeline
Underwriting Specialist
Allianz AGCS/Arch
07.2022 - Current
Commercial Lines Underwriter III
Liberty Mutual
12.2019 - 07.2022
Underwriter I / Account Specialist(National Lines)
Liberty Mutual
01.2018 - 12.2019
Senior Account Analyst
Liberty Mutual
07.2014 - 12.2017
Licensed Banker
Chase Bank
10.2013 - 06.2014
Licensed Series 6 & 63 - Finance
SEC
01.2013 - 2013.12
N/A - Business Administration And Management
Cal State Fullerton
09.2010 - 2011.10
Certification Sales & Marketing in Hospitality -
Coastline ROP
01.2010 - 2011.01
High School Diploma -
Trabuco Hills High School
09.2007 - 2010.06
Insurance Designation - Target Graduation Date Q4 2024
CPCU
05.2001 -
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