Carlos Balbas

• Functioned as main point of contact between customers and insurance companies.
• Conduct renewal process as well as benefits orientations for more than 50 customers in the book of business.
• Worked with leadership to support organization's business objectives and meet legal requirements.
• Optimized customer service strategies, increasing retention with revitalized focus on customer needs and market demands.
• Set up clients with new policies, including calculating premiums and establishing payment methods.
• Analyzed customers claims and utilization reports to advised them in their employee preventive care strategy.

• Produce monthly reports, which include key metrics, financial results, and variance reporting (e.g Monthly variance report, Annual Report, among others)
• Develop and monitor key performance indicators and business metrics
• Recommend actions by analyzing and interpreting data and making comparative analysis
• Report on financial performance and prepare for regular leadership reviews
• Provide analytical, forecasting, reporting, and project support to senior management
• Facilitate and coordinate the analysis of business interdependencies between operational, sales, and technical areas.

Accomplishments:

• Automated various reports and cut delivery time at 50%

• Improved financial status of the insurance product line by auditing, analyzing results, identifying trends, recommending actions to management
• Analyzed of revenue lines of business and construct quarterly and annual budget reports
• Analyzed sales performance to identify additional revenue opportunities for growth
• Communicated product line performance through monthly and quarterly reports findings to executive leadership
• Worked with internal marketing to develop educational material to support product line growth and awareness
• Received raw data from the IT department to build and analyze risk reports.

• Completed research and compiled data into usable formats.
• Coordinated documents, communication, and resources needed for projects.
• Prepared financial budget for the 2018-2019 youth team season.
• Register new player signings for the season, as well as unsubscribed players who were sold, loaned or let free by the club.

• Analyzed legal documents, including wills, insurance policies, and corporate contracts
• Streamlined spending analysis to a more accurate, efficient and automated process
• Identified operational processes inefficiencies and recommended necessary improvements
• Analyzed utilization and capacity against performance goals
• Monitored and analyzed Key Performance Indicators (KPI) and financial ratios
• Conducted periodic risk analysis and evaluation for Provision for Loan Loss (PLL)
• Approve or reject applications based on the financial analysis for up to $75,000

Accomplishments:

• Shorten the time of response to the clients by 50%.

• Entered all the provided information from the client into Salesforce
• Entered the necessary information to the underwriting platform in other to analyze the opportunity
• Discussed and analyzed the opportunity with the Senior Underwriter in order to make a decision
• Declined excessive risks
• Examined documents to determine degree of risk from such factors as applicant financial standing and value and condition of property.

• Developed, produced and enhanced risk reports for all business units
• Diligently reviewed the specialty loan portfolio for compliance with all reporting requirements
• Created charts and graphs to illustrate daily, monthly and annual financial reports
• Investigated red flags for fraud, embezzlement, money laundering, tax evasion, false accounting statements
• Assisted senior-level credit officers with complex loan applications
• Maintained confidentiality of bank records and client information
• Review the credit history and get the information needed to determine the creditworthiness
• Speak to the loan officer of the banks to achieve the best deal for the customer
• Assist the F&I Manager in everyday duties in the dealer

Accomplishments:

• Created a system to reduce approximately 45% the time of the loans payments.