Insurance Producer

LONE STAR NATIONAL BANK; McAllen (TX); Presencial; USD 45.000 - 90.000; Jornada completa

Descripción de la vacante

Lone Star Insurance Services, a division of Lone Star National Bank, seeks a sales professional to prospect, quote, and sell commercial and personal lines, life and benefits accounts. You will counsel clients, prepare proposals, submit applications, and develop a profitable book of business while maintaining regulatory compliance and excellent service.

You will also respond to referrals, design coverage plans, and coordinate with client service reps to upgrade and remarket as needed.

Formación

• Bachelor’s degree or equivalent experience in insurance may be substituted for college degree
• Licensure in Property/Casualty and/or Life/Health insurance (must become dual licensed within 6 months of hire)
• 3–5 years of sales and/or underwriting experience
• Knowledge of insurance products, rating procedures, markets and operations
• Bilingual in English and Spanish is desirable

Responsabilidades

• Prospect, solicit, quote and sell new commercial/personal lines, life and benefits accounts
• Counsel existing clients to meet sales goals and service obligations
• Respond to referrals and maintain a client prospect list
• Design insurance plans and recommend coverages to clients
• Survey loss exposures and propose insurable solutions
• Prepare and present insurance proposals to clients
• Submit applications and documentation to markets
• Develop and achieve sales objectives
• Deliver binders to insureds and explain payment and cancellation terms
• Build a profitable book of business and remarket when needed
• Coordinate with Client Service Representatives to review policy coverages annually
• Participate in required training and maintain regulatory knowledge and compliance

Educación

Bachelor’s degree or equivalent experience

Licensure in Property/Casualty and/or Life/Health insurance

Excellent math skills

Typing 40-50 wpm

10-key calculator

PC / computer skills

Customer service

Interpersonal and verbal communication

Team-working

Attention to detail

Bilingual English/Spanish preferred

Herramientas

Excel

Word processing

Spreadsheet software

Descripción del empleo

SUMMARYResponsible for prospecting, soliciting, quoting and selling new commercial/personal lines, life and benefits accounts.ESSENTIAL DUTIESThe duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties, as assigned, including cross training across other departments, as necessary.Continuously counsels existing clients in order to meet specific sales goals and service responsibilitiesResponds quickly and efficiently to referrals and creates and maintains a client prospect listDesigns insurance plans and recommends coverages to clientsSurveys loss exposures, needs and possible uninsurable or difficult to insure exposures for clientsCreates insurance proposals and presents to prospective and existing clienteleCompletes and submits applications and related documentation to appropriate insurance marketsDevelops, follows and completes sales objectivesPrepares, requests and delivers binders to insuredEducates clients regarding agency payment expectations and cancellation proceduresDevelops a book of business that is profitable for both the agency and carriersWorks with Client Service Representatives to annually review policy coverages in order to upgrade accounts and remarket if neededParticipates in job specific training and other various Bank training programs, as necessaryMaintains current knowledge of internal risk controls and loss prevention, including reporting of suspicious or unusual customer activity per Bank policyMaintains current knowledge and complies with all federal and state laws and regulations and all established Bank policies and procedures, including internal audit controls related to department operationsMaintains current knowledge of all rules, regulations, and laws as they apply to BSA/OFAC/USA Patriot Act/CIP/AMLThese specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.Bachelor’s degree (equivalent experience in insurance may be substituted for college degree requirement)Licensure in Property/Casualty and/or Life/Health insurance (must become dual licensed within 6 months of hire date)Three to five years of prior experience with sales and/or underwriting proceduresFull knowledge of insurance products and usages, rating procedures, industry operations and insurance marketsExcellent math skills, PC, typing 40-50 wpm, 10 key calculator, telephone, word processing and spreadsheet softwareGood customer service, team-working, organizational, interpersonal and verbal communication skillsAttention to detail, accuracy and mental concentration for accurately performing tasks with frequent interruptionsThe position requires the ability to sit in front of a computer for long periods of time which may cause visual strainBilingual in English and Spanish is desiredORGANIZATIONThis position reports to the Insurance Agency General ManagerThis position does not oversee other positionsTRAINING REQUIREMENTSAll employees are required to attend scheduled mandatory trainings and complete online regulatory compliance training courses applicable to their specific job function. In all situations, employees must ensure that their actions fully comply with all federalcompany laws and regulations, including internal company policies and procedures. Failure to adhere to these requirements will be grounds for disciplinary action, including probation and possible termination.COMMUNITY INVOLVEMENTLone Star Insurance Services’ Mission Statement includes a commitment to helping our communities grow by serving them with pride and integrity. All employees are encouraged to volunteer for company sponsored activities, civic, charitable and community events and to be active in the communities we serve.ATTENDANCEPunctuality and regular attendance should be regarded as essential functions of any position at Lone Star Insurance Services.Among other things, \"good attendance habits\" mean the following:Be at your work station ready for work by the start of each workdayRemain at your work station, unless the needs of the job require being elsewhere, except during authorized breaks (including restroom breaks)Take only the time normally allowed for breaksCall in and notify your supervisor or another member of management if you are going to be either absent or tardyAlternate work arrangements such as telecommuting or working from home are not permitted by Lone Star Insurance ServicesLSIS is an Equal Opportunity/Affirmative Action Employer and does not discriminate in the recruitment, hiring, and conditions of employment on the basis of race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, marital status, disability, age, veteran status, or any other status as protected by applicable laws.Management reserves the right to change this position description at any time according to business needs.