Personal Lines Agent (Napa/Sonoma)

Redwood Credit Union•Napa, CA

2d•Hybrid

About The Position

Redwood Credit Union is seeking a Personal Lines Agent to provide insurance, risk advice, and education concerning insurance coverage and planning. This role involves selling new insurance policies, servicing personal lines accounts, handling policy renewals, managing leads, and following up in a timely manner. The ability to travel to assigned branches and other locations is required. The agent will proactively review Member financial information, make recommendations on insurance coverage needs, and provide individualized advice and counsel based on specific client needs. They will use independent judgment to offer professional advice and recommendations concerning insurance policies that best meet Members’ needs and financial circumstances. A fact-finding and profiling process will be used to ensure all needs and possible scenarios are considered in recommendations, and all necessary financial information will be identified and communicated to prospects and clients. The agent will demonstrate personal lines expertise, minimizing risk and maximizing sales and service requirements. They will educate and advise Members on the advantages and disadvantages of various insurance products, philosophies, and risk management strategies, while providing exceptional customer service. Ongoing training and education will be provided to internal partners regarding insurance products, philosophies, and sales processes. The agent will analyze situations and recommend workable solutions, perform ongoing management of personal lines books of business, policy reviews, renewals, risk management, and client consultation. Familiarity with ratings and influencing factors for providing quotes is essential. The agent will negotiate and obtain the best price and overall protection for clients. Additionally, the agent will cross-sell the book of business, identify opportunities to refer back to the Credit Union, and handle policy maintenance procedures in a timely manner. All new business, renewal business, and leads will be processed in accordance with RCUSG standards. Claims will be reported to the appropriate carrier with follow-up and intervention as necessary. Daily, weekly, and monthly lead and sales tracking reports will be completed, and assistance will be provided to RCU Insurance Services team members in achieving sales and service goals.

Requirements

Extensive knowledge of financial and insurance products and services.
Thorough knowledge of personal lines markets, coverage, rating procedures and industry operations.
Ability to develop rapport with prospects, existing clients, and other RCU/RCUSG staff.
Skilled in the operation of personal computers, software and printers.
Proficient in Word, Excel and Microsoft Office.
Excellent service and relationship building skills.
Ability to communicate effectively both verbally and in writing.
Ability to coordinate a variety of activities simultaneously and prioritize work.
Ability to complete detailed paperwork and follow through on tasks.
Ability to collect the documents necessary to complete the insurance transaction.
Ability to establish and maintain effective working relationships with a diverse group of people.
Ability to manage time efficiently and effectively.
Ability to demonstrate an entrepreneurial mindset and approach to managing both client needs and departmental growth strategies.
Must have an active Property & Casualty Insurance Agent/Broker’s License.
Minimum of three years of insurance industry experience.

Nice To Haves

A combination of education and experience equivalent to a bachelor's degree in business administration, finance or closely related field preferred.

Responsibilities

Proactively review Member financial information and make recommendations on insurance coverage needs.
Provide individualized advice and counsel based on specific client (and prospect) needs.
Use independent judgment to provide professional advice and recommendations concerning insurance policies that best meet Members’ needs and financial circumstances.
Use a fact finding and profiling process that ensures all needs and possible scenarios are considered in recommendations.
Identify all financial information needed to provide consultation and communicate accordingly with prospects and existing clients.
Demonstrate personal lines expertise in advising prospects and existing clients based on the nuances and influencing factors.
Recommend appropriate policies and products while minimizing risk and maximizing sales and service requirements.
Educate and advise Members on advantages and disadvantages of various insurance products, insurance philosophies and risk management strategies.
Provide exceptional customer service to all internal and external customers.
Provide ongoing training and education to internal partners regarding insurance products, philosophies, and sales processes.
Analyze situations and recommend workable solutions for customers.
Perform ongoing management of personal lines book(s) of business, policy reviews, policy renewals, risk management and ongoing client consultation.
Be familiar with ratings and influencing factors when providing quotes to prospects and existing clients.
Negotiate and obtain the best price and overall protection for clients based on the information provided by the Member.
Cross-sell our book of business and identify opportunities that should be referred back to the Credit Union based on their financial situation.
Handle policy maintenance procedures in a timely manner (new policies, renewals, changes, etc.) within the agency management system.
Process all new business, renewal business, etc. in personal lines department in a timely manner, and manage all leads in accordance with RCUSG standards and expectations.
Produce new insurance policies with quality and thoroughness by following RCUIS processes and procedures.
Report all claims to the appropriate carrier, and follow-up and intervene when necessary to ensure claims are processed in a satisfactory manner.
Complete daily, weekly and monthly lead and sales tracking reports as requested.
Provide assistance to RCU Insurance Services team members in achieving sales and service goals.

Benefits

Competitive medical, dental, and vision insurance, mental health offerings
Employee performance incentive plan
Salary Advancement– Merit increase based on performance
401(k) program with employer match
Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!
RCU employees are eligible for a .75% discount off RCU standard collateral auto loans
RCU employees are eligible for a 1% discount on all recreational or boat loan products
2% discount off Visas and LOC Loans through RCU
0% interest loan to support employees with various immigration related expenses such as visa application fees and relocation costs. Loan amount up to $1,000.
0% interest loan to support employees with expenses associated with the naturalization process. Loan amount up to $15,000.
0% interest on garment, fitness, or home office equipment loan of up to $500
100% financing for employee purchased homes!