Denise Carter has over 15 years of experience in insurance underwriting and operations. She has worked in various roles processing new business and renewals, issuing policies, auditing premiums, and providing underwriting support. Her background includes experience in lines like commercial aviation, workers' compensation, general liability, life annuities, and property & casualty. She has strong communication, problem solving, and organizational skills.

1. Denise Carter
PO Box 965653
Marietta, GA 30066
404-217-7801
PROFESSIONAL SUMMARY
Underw riting Analyst with a diverse background in insurance, finance and quality assurance.
SKILLS
Self-starter with excellent communication skills, criticalthinking, problem solving and adaptable to unexpected events. Workw ell
under pressure in high volume production environment. Strong time management & w ritten and verbalcommunication skills,
organizationalskills. Experience in: Financial and Banking transactions, Insurance Policy Analysis, Process Engineering,
Proposal Writing, Research and Treasury skills
Insurance designations: Commercial Aviation, Group Health, P&C, General liability-MGA, Workman’s Compensation and Life
Annuities
PROFESSIONAL EXPERIENCE
Underwriting Assistant - project ended January 2016
Rose International Staffing Kennesaw GA – Commercial Aviation (temporary assignment)
 Underw riting support for Commercial Aviation industry
 Processed new businessand renewalsubmissions, premiumaudits and loss runs, policy issuance
 Provide underw riting support fornew businessand renewalsgenerating quotes & proposals
 Cleared endorsements and audited premiums per underw riting guidelines
 Monitored changes, scan file set up and updated policy via Image Right system& AS400
 Maintained analytical w orksheets and production reportsfor underwriting team
 Reconcile documents and format census for analysis processusing standard requirements
 Enter enrollment data into pricing applications and Excel spreadsheets to calculate rates & risk
Insurance Overload StaffingKennesaw GA – Workman’s Compensation Aviation (temporary assignment)
 Underw riting support for Workman’s Compensation in the Aviation industry
 Processed new businessand renewalsubmissions, premiumaudits and loss runs, policy issuance
 Issued up to 50 policies per month, cleared endorsements and audited premiums per underw riting guidelines
 Monitored changes, file set up and updated policy information via ImageRight
 Review ed existing processes and recommend improvements or enhancements for better efficiencies
 Maintained analytical w orksheets and production reportsfor underwriting team
Axiom StaffingMarietta GA – General Liability MGA (temporary assignment)
 Underw riting support for MGA generalliability operations for $60mbook of business
 Analyzed loss runs, processrenewals, submissionsand policy endorsements
 Handled broker of record related correspondence and other notices
 Maintained compliance information in AIM
 Entered quote data for Heavy Haul truck, trailer and crane equipment
TIAA-CREF McCamish Systems - Life Annuities, Marietta GA
(Company moved to Des Moines, IA)
Underwriting Processor January 2013 – July 2014
 Processed and audited trades for Annuity clients in proportions of $1m to $450m
 Supported Underw riting team by collecting, analyzing and organizing documentation for submissions, renew alsand rating
 Identified efficiency improvements & make recommendations for procedures& w orkflowsregarding life/annuity contracts and
the internal software systems
 Maintained annuity contracts: applying policy payments, processing endorsements, auditing billing corrections and form
requests
 Addressed systemfailures and research the issues using internalresources and working to a finalresolution w ith department
managers and the IT team

2.  Daily certification of alldisclosures and transactions to maintain company compliance guidelines
AAA Insurance – Property & Casualty Marietta GA
Underwriting Project Assistant
August 2009 – December 2012
 Updated and processed policies to reflect change in coverage, and insurance type w orking with 7 carriers
 Processed applications for reinstatement, non-renewals & cancellations
 Examined documents to determine degree of riskfrom such factorsas applicant financialstanding and value and
condition of property
 Negotiated premium changes to retain business as w ellas help them manage their costs
 Communicated w ith underwritersdaily organizing and preparing documentation for submission
 Liaison for systemfailures & demonstrated problem solving skills by w orkto resolution
 Identified efficiency improvements & make recommendations for procedures& w orkflows
 Complete project assignments as needed by management w ith proper planning & organizing, focusing on multiple
deadlines for multiple projects
 Responsible for policy payments, disbursements & tracking Producer NSF checks
 Processed endorsements via document imaging systemand update policy memos for agency and carrier
State Farm Insurance – Property & Casualty
Operations Administrator Atlanta, GA
December 2007 – August 2009
 Review ed financials and policies to analyze insurance programs and suggest additional changes
 Calculated premiums, payments and process policy endorsements
 Maintained production report for internalstaff to monitor individual and agency goals
 Developed marketing strategies in an effort to be more competitive w ith other insurance companies
 Monitored claims to ensure settlements met the deadline as w ellas follow up for trailing documentation
 Scheduled meetings w ith internalstaff to review weekly goals and outline next steps for any outstanding issues within the
agency
Novastar Capital - CorrespondentMortgage Lending
Corporate lay-off Operations Manager Atlanta, GA
February 1999 – June 2007 *
 Managed & supervised 5 departments in operations as w ellas the operations staff of 18 employees by enforcing policies,
standards, and procedures to support the successfulachievement of departmentalgoals and objectives
 Monitored and directed all aspects relating to Mortgage banking service operations such as, Treasury, Collateral
Management, Loan Audit, Funding and Shipping departments
 Audited and managed all treasury transactionsof $550m+in monthly proportions
 Resolved personnelproblems including hiring, scheduling of employees hours, training, rating performance and
recommending salary actions
 Co-authored policy and procedure manual for each operations department
 Promoted teamw orkand an open-communication environment by w ay of weekly staff meetings and individual meetings,
and alw ayskeeping the staff informed of department and company new s
 Maintained a positive w orking relationship w ith brokers, correspondents,closing agents and all internal departments
providing excellent customer service
 Trained new clients (brokers) how to use softwaresystems by conducting on-site and telephone instruction courses using
the software techniques and implementation
EDUCATION
 CPCU – to be completed in 2016
 University of Tennessee – Bachelor of Science/Business Administration & Finance