SHANTELLE SMALL
Gremli Gardens, Punch Bowl, Mason Hall, Tobago
Summary
Dynamic professional with a strong foundation in risk assessment, financial analysis, and strategic decision-making. Expertise in evaluating client portfolios and managing risk exposure to drive informed business choices. Proven ability to foster team collaboration while adapting to evolving needs, ensuring optimal results in high-pressure environments. Recognized for precision, reliability, and consistently delivering impactful outcomes in underwriting processes.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Underwriter 1 – Client Risk Management Solutions
GUARDIAN GENERAL INSURANCE LIMITED
11.2016 - Current
- Evaluate insurance applications by Intermediaries to assess risk factors and exposures to determine policy eligibility
- Analyze applicant information to calculate appropriate coverage limits and premiums
- Evaluate risk applications from Corporate Intermediaries that are outside of their Underwriting authority/ guidelines for acceptability and underwrite appropriately
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions
- Monitor Salesmen portfolio performances to ensure adherence to company guidelines as well as Central Bank requirements
- Ensures Salesmen premiums for clients are paid within contract timeframes; support cancellation process where necessary
- Develop and maintain effective business relationships with Intermediaries to support growth
- Interact with on average, a total of 20 customers per day via telephone and email to remind them of their up-coming renewals
- Process renewals of motor and property policies for clients and Salesmen
- Review policies & ensures renewal notices and listings are dispatched per Standard Operating Procedures, prior to clients renewal date
- Ensures that the Company's policy and premium renewal retention target of 90% is maintained by following up on renewals
- Assist clients with the completion and submission of accident reports and taking photos to be forwarded to the Claims Department for processing
- Mentored junior underwriters on best practices, improving team efficiency and knowledge retention
Junior Underwriter – Tobago Branch
COLFIRE
12.2014 - 10.2016
- Analyze applicant information to calculate appropriate coverage limits and premiums
- Evaluate risk applications from Corporate Intermediaries that are outside of their Underwriting authority/ guidelines for acceptability and underwrite appropriately
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions
- Develop and maintain effective business relationships with Intermediaries to support growth
- Process renewals of motor and property policies for clients and Salesmen
- Review policies & ensures renewal notices and listings are dispatched per Standard Operating Procedures, prior to clients renewal date
Payables Clerk - Finance Department
TOBAGO REGIONAL HEALTH AUTHORITY
04.2013 - 11.2014
- Processing goods and services cheque for internal and external customers
- Inputting invoices into Great Plains system for payment
- Filing of payment documents
- Reconciliation of Supplier's Account when necessary
- Ensuring the Authority's Building rents were paid on time monthly
- Ensuring that the Authority's utilities (T&TEC, WASA, TSTT) bills were paid on time
- Provided quality clerical support through data entry, document management and emailing correspondence
- Supported administrative staff with timely completion of daily tasks, ensuring smooth office operations
- Maintained filing system and organized supplier documents for easy retrieval of information
- Reduced errors in data entry through rigorous attention to detail and double-checking work
Clerical Assistant - Human Resource Department
TOBAGO REGIONAL HEALTH AUTHORITY
09.2010 - 04.2013
- Assisting customers seeking employment to fill out relevant job application forms
- Preparing job letters for the employees upon request
- Preparing sick and casual leave reports for the Human Resource Officer on a monthly basis
- Assisting the Human Resource Officer to prepare interview packages when it becomes necessary
- Updating employees personal files
- Organized job applications and maintained accurate records to ensure efficient data retrieval.
- Maintained confidentiality of sensitive company information while handling sensitive documents and communications
- Greeted incoming visitors and customers professionally and provided friendly, knowledgeable assistance
- Provided clerical support to company employees by copying, faxing, and filing documents
- Promptly received and forwarded incoming communications, such as phone calls, emails, and letters, to appropriate staff
Education
Bachelor of Science - Financial Management
The University of The West Indies – Global Campus
Online01-2028
High School Diploma -
Signal Hill Secondary Comprehensive School
Signal Hill01.2010
High School Diploma -
Scarborough Secondary School
Scarborough01.2008
No Degree - Secondary Entrance Assessment
Scarborough Methodist Primary School
01.2003
Skills
- Data-driven decision making
- Collaborative decision making
- Collaborative teamwork
- Effective communication skills
- Consistent commitment to quality
- Focus on achieving results
- Risk assessment
- Quality assurance
- Risk management
- Policy interpretation
- Insurance coverage analysis
- Customer engagement
- Claims review
- Underwriting guidelines
Certification
ACCA – Association of Chartered Certified Accountants
- F1 – Accountant in Business - Pass
- F2 – Management Accounting - Pass
CII – Chartered Insurance Institute
- IF1 – Insurance, Legal & Regulatory - Pass
- Currently pursuing BSc Financial Management Degree Program with The UWI Global Campus
- General Insurance State License
- NSC First Aid, CPR & AED Training Certificate
References
- Tiffany, Christmas, Management Accountant, 868 492-5526
- Zinga, Kennedy Kerr, Human Resource Specialist, 868 475-9945
QUALIFICATIONS
CXC Ordinary Level
- Information Technology - Grade 1
- English A - Grade 2
- Mathematics - Grade 2
- Principles of Accounts - Grade 2
- Principles of Business - Grade 2
- Human & Social Biology - Grade 2
- Social Studies - Grade 3
CAPE Advanced Level
- Accounting (Unit 1) - Grade 2
- Accounting (Unit 2) - Grade 2
- Management of Business (Unit 1) - Grade 4
- Management of Business (Unit 2) - Grade 3
- Communication Studies - Grade 4
- Caribbean Studies - Grade 3
Timeline
Underwriter 1 – Client Risk Management Solutions
GUARDIAN GENERAL INSURANCE LIMITED
11.2016 - Current
Junior Underwriter – Tobago Branch
COLFIRE
12.2014 - 10.2016
Payables Clerk - Finance Department
TOBAGO REGIONAL HEALTH AUTHORITY
04.2013 - 11.2014
Clerical Assistant - Human Resource Department
TOBAGO REGIONAL HEALTH AUTHORITY
09.2010 - 04.2013
Bachelor of Science - Financial Management
The University of The West Indies – Global Campus
High School Diploma -
Signal Hill Secondary Comprehensive School
High School Diploma -
Scarborough Secondary School
No Degree - Secondary Entrance Assessment
Scarborough Methodist Primary School