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With over 33 years of experience in the Insurance industry and a deep understanding of the Access Plus model, my qualifications position me to excel in training and improving processes for a seamless experience. The expertise I bring benefits not only members but also Master Agencies and employees. My commitment is to drive improvements that ultimately result in a better overall experience.

Senior Commercial Underwriting leader with 20+ years of experience across Middle Market, Program, Small Business P&C Commercial Lines segments. Proven expertise in risk selection, pricing strategy, and portfolio profitability management supporting multi-million-dollar books of business. Known for disciplined underwriting judgment, strong agency partnership management, and consistent delivery of profitable growth while maintaining service excellence and responsiveness. Experienced mentor and technical leader supporting underwriter development, training, and consistency across teams. Contributor to underwriting innovation initiatives, including AI-enabled decision support and process improvement efforts. Former business owner with full P&L responsibility, bringing a practical, performance-driven perspective to underwriting, risk evaluation, and business growth.

Dynamic Senior Commercial Underwriter and Team Lead at Pak Insurance Programs, LLC, with expertise in risk assessment and a proven track record in managing a $25M portfolio. Adept at fostering client relationships and leading teams, I excel in developing pricing strategies that enhance retention and drive business growth. Highly motivated with a desire to take on new challenges.

Private banking professional with extensive experience managing high-net-worth and business-banking relationships, delivering tailored banking, lending, and investment solutions, and partnering with specialists to provide holistic financial guidance. Strong analytical and operational background with proven success in portfolio growth, trust management, and business-owner financial needs. Holds an MBA in Finance and active FINRA licenses (SIE, Series 6, Series 63, Life & Health). Recognized for integrity, client focus, and consistent performance in fast-paced, relationship-driven environments.

Terry Baker

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AVP, Commercial Casualty Line of Business Leader

Community and Public Services - Business Segment Manager

Excess Casualty Senior Underwriter

Product Manager

Field Marketing Manager

Commercial Lines Underwriter