Stephanie Karhoff
Omaha
Summary
Dynamic consultant underwriter with a proven track record at Mutual of Omaha, excelling in risk assessment and process optimization. Recognized as a subject matter expert, I successfully mentored junior underwriters and designed impactful training programs, enhancing departmental efficiency and fostering a culture of continuous improvement.
Overview
11
11
years of professional experience
Work History
Consultant Underwriter
Mutual of Omaha
10.2023 - Current
- Assess risk for increasingly larger and more complex cases
- Became region subject matter expert for PFML as it was rolled out as a new product
- Mentored junior underwrites both informally and through formal mentor programs
- Designed and lead training for both the underwriting department and sales partners
- Implemented process optimization strategies that enhanced efficiency for the department
Senior Underwriter
Mutual of Omaha
01.2021 - 10.2023
- Evaluated complex insurance applications to determine risk exposure and coverage limits.
- Experience rating skills expanded to include Basic Life and Long Term Disability over 500 lives
- Mentored new underwriters, providing training on industry best practices and compliance standards.
Group Undewriter
Mutual of Omaha
01.2019 - 01.2021
- Analyzed underwriting submissions to assess risk and determine appropriate coverage levels.
- Evaluated claims data to develop an appropriate claim rate for Short Term Disability and Dental quotes over 100 lives
Associate Underwriter
Mutual of Omaha
01.2018 - 01.2019
- Evaluated risk factors to determine underwriting guidelines and eligibility for insurance policies. Products include Basic Life/ AD&D, Short Term Disability, Long Term Disability, Dental and Vision
- Collaborated with sales field partners to gather necessary documentation and facilitate timely quotes.
- Analyzed applicant data to assess financial stability and predict potential claim outcomes.
Assistant Underwriter
Lincoln Financial Group
07.2017 - 01.2018
- Evaluated RFPs for small cases between 25 and 100 lives. Products included Basic Life/ AD&D, Short Term Disability, Long Term Disability, Dental, and Vision
Underwriting Assistant
Lincoln Financial Group
11.2014 - 07.2017
- Reviewed and analyzed insurance applications for accuracy and completeness.
- Assisted underwriters in evaluating risk factors and determining coverage options.
- Collaborated with sales team to streamline communication and workflows.
Education
Bachelor of Science - Biology
University of Nebraska At Omaha
Omaha, NE05-2012
Skills
- Problem-solving
- Attention to detail
- Risk assessment
- Training and development
Timeline
Consultant Underwriter
Mutual of Omaha
10.2023 - Current
Senior Underwriter
Mutual of Omaha
01.2021 - 10.2023
Group Undewriter
Mutual of Omaha
01.2019 - 01.2021
Associate Underwriter
Mutual of Omaha
01.2018 - 01.2019
Assistant Underwriter
Lincoln Financial Group
07.2017 - 01.2018
Underwriting Assistant
Lincoln Financial Group
11.2014 - 07.2017
Bachelor of Science - Biology
University of Nebraska At Omaha