Heather Lane, AFSB
American Surety Company/ Core Specialty
DOWNINGTOWN,PA
1
Certification
34
years of professional experience
Experienced transactional surety underwriter equipped to drive impactful results. Skilled in risk assessment, credit and financial analysis and decision-making. Known for strong collaboration, adaptability, and reliability. Expertise in underwriting, agency relationship management, and strategic planning for underwriting profit.
Work History
Underwriting Manager
4 Years 4 Months- Evaluated surety submissions for risk quality, credit worthiness and financial strength. Focused on transactional surety, including probate, license and permit, small fidelity and public official.
- Developed and maintained underwriting guidelines and bond form library for automated systems.
- Increased premium production year over year.
- Built and maintained strong relationships with brokers and agents, providing exceptional customer service and increasing production.
- Implemented technology solutions to automate various underwriting tasks, increasing efficiency and reducing manual errors.
- Collaborated with sales teams to drive profitable growth and maintain strong relationships with key agents.
- Maintained low loss ratios while keeping competitive rates through diligent risk selection and adherence to company guidelines.
- Analyzed market trends to identify potential risks and opportunities for strategic business development initiatives.
- Guided underwriting staff on file review standards, process consistency, and decision support.
- Directed underwriting strategy to align risk selection with profitability and premium objectives.
Technical Underwriting Manager
18 Years 8 Months- Directed underwriting decisions in transactional surety to align risk selection with profitability objectives.
- Maintained a low loss ratio while keeping pricing competitive and increasing production.
- Mentored underwriting staff on product knowledge, agent communication and decision standards.
- Contributed to the changes needed to maintain a competitive edge with systems and technology.
- Increased premium production year over year.
- Established underwriting procedures that improved consistency across new business, renewals, and endorsements.
- Trained new underwriters on coverage analysis, submission review workflows and company policies.
- Maintained compliance with regulatory requirements by staying updated on industry changes and adjusting accordingly.
- Collaborated with sales teams to drive profitable growth and maintain strong relationships with key agents.
- Built strong relationships with hundreds of brokers and agents, providing exceptional customer service and increasing productivity.
Senior Underwriter
2 Years 1 MonthUnderwriter
1 Year 6 MonthsUnderwriter
7 Years 6 MonthsEducation
Bachelor of Arts - English Major/ Art Minor
Skills
Expertise in transactional surety underwriting
Credit and financial analysis
Customer service communication skills
Building and maintaining strong agency relationships
Analytical problem-solving
Teamwork and collaboration
Leveraging technology advancements for enhanced underwriting
Effective oral and written communication
Certification
AFSB 1994
Timeline
Underwriting Manager
American Surety Company/ Core Specialty
06.2022 - 10.2026Read More
Technical Underwriting Manager
RLI Insurance Company
10.2003 - 06.2022Read More
Senior Underwriter
BondAbility
09.2001 - 10.2003Read More
Underwriter
Travelers Insurance
03.2000 - 09.2001Read More
Underwriter
Reliance Insurance
09.1992 - 03.2000Read More
Gettysburg College
Bachelor of Arts from English Major/ Art Minor
Read More