JOAN K. VRBAS 9591 Pearl Circle Unit 201 Parker, CO 80134 303.927.6555 home 303.717.

7098 cell OBJECTIVE To secure a challenging position within the insurance industry where I can utili ze my leadership abilities, teamwork ethic, and insurance knowledge. EXPERIENCE April 2003-Present Allied Insurance Denver, CO Senior Personal Lines Underwriter * Responsible for management of $20 million Colorado territory. (Have also hand led an OR state territory and knowledgeable of statutes and laws in 7 other stat es within RMRO Region of Allied.) * Manage Porfolio and Profitability of Independent Agent's Personal Lines Books with Allied. * Ability to create, implement and communicate action plans to agencies and sal es in relation to profitability and growth * Underwrite new business, renewals, amendments and claims for territory. * Member and also helped to lead the "Portfolio Management and Training Team" w ithin the department to develop better practices, processes and procedures. * Training to new and existing agents. * Travel to agencies. * Mentor to new employees. * Developed and trained all underwriting associates in a series of courses abou t Agency Partnership Initiatives. January 1999-March 2003 COPIC Insurance Company Denver, CO Medical Malpractice Underwriter * Underwriting of new, renewal and prior acts applications. * Communication with Doctor's Offices and Management within those offices. * Handling of endorsement and cancellation requests. * Quoting of premium. November 1998-January 1999 Ohio Casualty-Avomark Denver, CO Personal Lines Underwriter * Underwriting of personal lines applications. * Assistance to Sales Department. * Processing of endorsements and cancellation requests. * Customer Service to agents. July 1990-November 1998 Guaranty National-Orion Specialty Denver, CO Commercial Lines Underwriter (Auto) * Handling risk offerings and endorsements for commercial auto accounts. * Performing underwriting and rate audits both in house and at agent's offices. * Training of agencies and their personnel. * Travel to Agencies. * Customer Service to agents. EDUCATION Professional Designations * PLCS (Personal Lines Coverage Specialist) * INS Designation (INS 21, INS 22, INS 23) * IIA Designation * Many certificates of completion from the American Institute of Banking * Member of Insurance Women of Denver Group PROFESSIONAL SKILLS

Excellent public speaking ability and training/education ability. Marketing and sales skills. Excellent computer skills. Ten key by touch and typing 55 WPM. Exc ellent customer service skills and negotiation and problem solving skills. Great organization skills and a self-starter that is self-motivated. REFERENCES * Melissa J. Sparks: Personal Lines Underwriting Manager Allied Insurance Denver, CO Phone 303.514.2248 * Mindy O'Brien: Business Insurance Account Executive State Auto Denver, CO Phone 720.870.0540 * Julie E. Adams: Personal Lines Underwriting Staff Consultant EMC Insurance Des Moines, IA Phone 515.362.7677 9591 PEARL CIRCLE UNIT 201 * PARKER, CO 80134 * PHONE (HM) 303.927.6555 (CELL) 303.717.7098