Nicole Clemens
@nicoleclemens
I assess insurance risk and support profitable underwriting decisions.
United StatesWhat I'm looking for
I've spent more than seven years evaluating insurance risks, interpreting policy coverage, and guiding clients through informed insurance decisions. As an Independent Insurance Agent, I assess client risk profiles, analyze policy forms, collaborate with carrier underwriting teams, and maintain regulatory compliance.
My work also includes residential real estate investing, where I evaluate opportunities through comparable sales, financing scenarios, cash-flow analysis, inspections, title information, taxes, and insurance due diligence.
I previously guided clients through health plan selection at Care Free Direct and supported financial records and accounting operations at Kohart Recycling. I'm licensed in Property & Casualty and Life & Health insurance, and I'm pursuing an underwriting role where I can contribute strong analysis and risk-selection judgment.
Experience
Work history, roles, and key accomplishments
Independent Insurance Agent
Self Employed
Oct 2021 - Present (4 years 10 months)
Evaluated client risk profiles and recommended insurance solutions. Analyzed policy forms and coverage, collaborated with carrier underwriting teams, and maintained regulatory compliance.
Residential Real Estate Investor
Self Employed
Jan 2021 - Present (5 years 7 months)
Evaluated investment opportunities using comparable sales, financing scenarios, and cash-flow analysis. Performed due diligence reviewing inspections, title information, taxes, and insurance.
Licensed Health Insurance Agent
Care Free Direct
Nov 2018 - Oct 2021 (2 years 11 months)
Guided clients through health plan selection. Reviewed policy provisions and compliance requirements.
Guest Services Agent
Zion Lodge
Apr 2018 - Oct 2018 (6 months)
Resolved customer concerns in a fast-paced environment.
Administrative Assistant / Accounting Assistant
Kohart Recycling
Oct 2015 - Mar 2018 (2 years 5 months)
Processed financial records and supported accounting operations.
Founder
Zephyr Heating & Air
Co-founded and launched a residential HVAC company. Managed bookkeeping, invoicing, and administrative operations, and developed marketing initiatives.
Education
Degrees, certifications, and relevant coursework
Paulding High School
High School Diploma, General Studies
Completed high school education in Ohio.
Tech stack
Software and tools used professionally
Availability
Location
United StatesAuthorized to work in
Job categories
Skills
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