Isabelle Phua
Summary
Experienced Underwriter with solid experience in financial services. Proficient in determining level of risk using strong mathematical and statistical skills. Conscientious and committed to adhering to standards, underwriting guidelines and authority levels. Self-motivated and diligent individual with strong work ethic. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Underwriter
AXA XL
07.2013 - Current
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Built strong relationships with cedents, brokers and clients for constructive communications.
- Supported review, acceptance or denial of new or renewal business after carefully reviewing all information.
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Studied insurance industry changes, remaining up-to-date with latest trends and protocols.
- Negotiated terms and conditions of coverage with clients to acquire maximum profitability.
- Met with clients and brokers to negotiate coverage, price, and service delivery.
Underwriter
First Capital Insurance Limited
05.2008 - 07.2013
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Made approval and denial recommendations by determining accurate risk levels.
- Reviewed applications for insurance coverage and reports from loss control specialists to determine risks.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Studied insurance industry changes, remaining up-to-date with latest trends and protocols.
Assistant Engineer
PPL Shipyard
06.2006 - 06.2008
- Provided technical assistance to staff when needed.
- Adhered to timelines to meet quality assurance targets.
- Assisted in development, design and execution of projects.
- Determined budget, manpower, schedule and material needed to successfully execute projects.
- Worked closely with engineers and assisted.
- Assisted Projects engineers and manager with clerical duties to keep department functioning and workflows running smoothly.
Sales and Operation Excective
ACE Insurance Limited
04.2004 - 06.2006
- Collaborated with upper management to implement continuous improvements and exceed team goals.
- Utilized cross-functional strategies between marketing divisions to systematize Accident and Health Insurance.
- Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
- Managed accounts to retain existing relationships and grow share of business.
- Built relationships with customers and community to establish long-term business growth.
Operations Manager
Pets Arcade (Sole-Proprietorship)
06.2003 - 06.2004
- Managed inventory and supply chain operations to achieve timely and accurate delivery of goods and services.
- Developed systems and procedures to improve operational quality and team efficiency.
- Developed and maintained relationships with external vendors and suppliers.
- Introduced new methods, practices, and systems to reduce turnaround time.
- Increased profit by streamlining operations.
- Negotiated contracts with vendors and suppliers to obtain best pricing and terms.
- Interacted well with customers to build connections and nurture relationships.
- Monitored daily cash discrepancies, inventory shrinkage and drive-off.
- Reduced financial inconsistencies while assessing and verifying billing invoices and expense reports.
Education
High School Diploma -
Ngee Ann Polytechnic
06.2003
Certification
Certificate in Commercial General Insurance
Certificate in Personal General Insurance
Certificate in Health Insurance
Timeline
Underwriter
AXA XL
07.2013 - Current
Underwriter
First Capital Insurance Limited
05.2008 - 07.2013
Assistant Engineer
PPL Shipyard
06.2006 - 06.2008
Sales and Operation Excective
ACE Insurance Limited
04.2004 - 06.2006
Operations Manager
Pets Arcade (Sole-Proprietorship)
06.2003 - 06.2004
High School Diploma -
Ngee Ann Polytechnic
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