Julie Lin

Strategic underwriter with 18 years of expertise managing high-value books of business (up to $15M) within Healthcare Professional Liability (Med-Mal), General Liability, D&O, and EPLI. Proven 95% renewal retention rate, driven by rigorous loss-ratio and loss-vs-premium analysis, disciplined risk assessment, and pricing precision. Master's degree in Health Services Administration and prior experience at UnitedHealthcare with PPO/HMO products add depth to underwriting and pricing healthcare risk.

Underwriter - BETA Healthcare Group - Alamo, CA

(2004-10 - 2022-10)

• Portfolio Management: Managed and optimized a $15M premium book of business, achieving a 95% renewal retention rate through proactive relationship management and precise risk assessment.
• Profitability & Risk: Analyzed loss ratios against earned and written premium using advanced data analytics and pricing models to drive risk selection and ensure profitability benchmarks.
• Strategic Collaboration: Partnered with Claims, Sales, and Risk Management for a holistic view of new and renewal business, improving underwriting accuracy.
• Market Innovation: Spearheaded new specialized insurance applications for physicians and mid-level providers (NPs/PAs), streamlining intake.

Supervisor, Central Unit - NORCAL Mutual Insurance Company - San Francisco, CA

(2002-02 - 2004-09)

• Team Leadership: Directed a high-volume unit supervising six underwriters, meeting or exceeding quarterly production targets.
• Operational Excellence: Streamlined operations by correcting performance gaps, reducing turnaround times and ensuring alignment with underwriting guidelines.
• Strategic Planning: Key contributor to the Underwriting Department's "Plans and Programs" initiative, standardizing underwriting practices.

Reimbursement Specialist - Genentech - South San Francisco, CA

(2000-11 - 2002-02)

• Claims Advocacy: Overturned complex insurance claim denials through deep-dive research into rejection codes and multi-level appeals.
• Clinical Policy Analysis: Interpreted carrier regulations to determine medical necessity, ensuring documentation met payer requirements.

Underwriter II - NORCAL Mutual Insurance Company - San Francisco, CA

(1997-08 - 2000-11)

• Territory Management: Promoted to manage high-exposure California territories (LA, Orange County, Bay Area), overseeing physicians and large medical groups.
• IPA & Group Consultation: Partnered with IPAs and large physician groups on policy terms, ensuring comprehensive coverage and high retention.
• Risk Evaluation & Rating: Executed disciplined risk assessment of applications and loss control reports, applying precise rating methodologies.

Master of Arts - Health Services Administration - Saint Mary's College of California (1999-06)

Bachelor of Accountancy - Accounting and Business Management - Polytechnic University of the Philippines (1988-04)