Gary Hutchison
Bishop Auckland,Durham
Summary
Seasoned Underwriter experienced in risk assessment and policy management. Achieved compliance and profitability through strong analytical skills and sound judgement in underwriting decisions. Focused on enhancing process efficiency and client satisfaction by delivering impactful insights and solutions that drive business growth and minimise risks.
Overview
21
21
years of professional experience
Work History
Credit Referrals Underwriter
BT Group
Darlington, Durham
06.2018 - Current
- Assessed financial documents to decide client stability and underwriting risk potential.
- Determined acceptable risk thresholds by reviewing coverage applications and loss control reports.
- Managed underwriting loss control via thorough risk evaluation and analysis.
- Ensured policy compliance through detailed review of classification, coding, and rating of applications.
- Established underwriting guidelines to standardise decision-making and enhance operational efficiency.
- Directed workflow improvements using advanced underwriting software for faster accuracy.
- Led corporate client portfolio management by maintaining relationships and retention standards.
- Owned product recommendations by evaluating customer history and background information.
Payment Support Advisor
EE
Darlington, Durham
07.2014 - 06.2018
- Collected on aging and past due accounts, coordinating sustainable payment arrangements to encourage remittance.
- Achieved debt collection targets in line with agreed deadlines.
- Managed collection calls and negotiated payment arrangements with debtors to minimise outstanding balances.
- Confirmed payment arrangements and finalised customer payment dates and contact information.
- Implemented payment reminders via email, SMS, and phone calls, increasing successful repayment rates.
- Created repayment plans based on account holders' financial status and repayment abilities.
- Delivered excellent customer service, addressing queries and providing guidance on debt management solutions.
- Delivered outstanding customer service, handling debtor enquiries and complaints with empathy and professionalism.
- Reviewed credit limits for existing customers, recommending adjustments based on payment history and financial stability.
- Maintained accurate records of all collection activity, updated customer files with payment agreements.
- Documented discussions and actions in customer accounts and collections database.
- Uploaded data in accordance with company policies, data security protocols and local legislation.
- Reviewed contracts and agreements to understand terms, ensuring accurate enforcement of financial obligations.
- Owned client inquiry handling, addressing concerns promptly with professional communication.
- Handled assigned accounts independently, addressing client needs and fostering strong relationships., solving customer problems and providing excellent customer service.
Fraud and Risk Analyst
Tesco
Dundee, Angus
11.2005 - 11.2011
- Analysed transactional data to identify fraudulent activities, reducing financial losses for the company.
- Conducted thorough investigations into suspicious account activities, safeguarding customer information.
- Collaborated with cross-functional teams to establish anti-fraud strategies and policies.
- Spearheaded a project to overhaul legacy systems, significantly reducing the incidence of fraud.
- Facilitated risk review meetings, presenting findings and advising on corrective actions to senior management.
- Streamlined risk management processes, improving efficiency and response times to threats.
- Utilised statistical software for data analysis, providing insights into risk patterns and trends.
- Analysed previous incidents of loss or damage, identifying patterns and implementing preventative measures.
- Liaised with customers to verify transactions and protect accounts from unauthorised access.
- Designed systems and processes to collect and store data for future analytic projects.
- Collaborated with cross-functional teams to communicate risk assessments and influence risk-aware culture.
Education
NVQ Level 3 - Business Studies
Bishop Auckland College
Bishop Auckland, DUR01-1999
NVQ Level 2 - Business Studies
King James School
Bishop Auckland, DUR01-1996
Skills
- Policy underwriting
- Risk assessment
- Financial analysis
- Data analysis
- Data interpretation
- Fraud detection
- Compliance management
- Regulatory adherence
- Advanced underwriting software
- Underwriting adjustments
- Problem analysis
- Information gathering
- Customer relationship management
- Problem solving
- Data analysis
Timeline
Credit Referrals Underwriter
BT Group
06.2018 - Current
Payment Support Advisor
EE
07.2014 - 06.2018
Fraud and Risk Analyst
Tesco
11.2005 - 11.2011
NVQ Level 3 - Business Studies
Bishop Auckland College
NVQ Level 2 - Business Studies
King James School