1. MICHAEL DEAN HARBISON
1705 DIAMOND WOODS CIRCLE, ROSEVILLE, CA95747
916.956.9777
MDHARBISON@GMAIL.COM
FINANCIAL PROFESSIONAL AND SURETY BOND UNDERWRITER
Consistent corporate leader and project collaborator with over 20 years experience in the surety bond and
insurance industries. An open communicator capable of making presentations and cultivating long-lasting
productive relationships with colleagues and clients to steadily contribute to increasing revenues and
organizational growth.
 Leadership: Trusted and respected by superiors and subordinates. Delegated leadership
responsibilities in several projects and key revenue generating programs. Monitors the work of peers
and direct reports as needed to produce outstanding team results that continuously exceed
expectations.
 Diverse Background: A professional history including 10 years as a Contract Surety Bond
Underwriter, three years as a Business Loan / Home Loan Underwriter, five years as a Commercial
and Personal Lines Insurance Agent, and a Bachelor’s Degree in Business Administration.
 Active and Adaptable Learner: Continually seeking to improve professionally by enrolling
invaluable certification and licensing, and continuing Education courses. Earned Life Underwriter
Training Council Fellowship (LUTCF) Certification. Completed 4 of 5 courses for Associate in Fidelity
and Surety Bonds (AFSB) and CPCU Certification. Ongoing Accounting classes.
AREAS OF EXPERTISE
 Contract Surety Bonds
 Commercial Insurance
 Risk Management
 Leadership / Staff Management
 Customer Service
 Presentation Skills
 Business Loan Underwriting
 Financial Analysis
 Stakeholder Service
 Information Management
 Mentoring / Training
PROFESSIONAL EXPERIENCE
Direct Surety 2014-Present
Independent Consultant / Contract Bond Underwriter / Financial Analyst
 Assume primary responsibilities as lead underwriter for contract surety bonds – assigned to
Company’s top producer.
 Conduct expert financial analysis of business and personal financial statements, credit reports,
references, and overall Capital, Character and Capacity to determine client eligibility for a bond line.
 Improved underwriting functions; expanding an intricate Excel-based underwriting spreadsheet.
 Assisted in upgrading documentations standards and organization of file flow / data management.
 Established new and renewal lines of Surety Credit for Contract accounts.
 Assume responsibilities for providing underwriting expertise for surety bond requests.
Altor Associates, LLC 2013-Present
Owner / Managing Member
 Researched title documents, credit reports, property condition, and profitability status to determine
purchase possibilities and disposition of property, mortgage notes, and tax deeds.
 Invested independently in performing and non-performing mortgage notes, tax deeds, and liens.

2. Michael Dean Harbison | Page 2 Professional Experience (Continued)
Financial Pacific / United Fire Group 2007-2013
Senior Surety Bond Underwriter
 Generated over $1.5 million in new annual contract surety gross premiums per year.
 Assumed primary responsibilities as lead underwriter for contract and commercial surety bonds.
 Conducted expert financial analysis of business and personal statements to determine eligibility for
various company product offerings.
 Collaborated with select agents to prepare strategic plans to penetrate market niches and garner
contract surety submissions.
 Standardized underwriting functions and requirements by creating an intricate Excel-based multi-
faceted integrated underwriting spreadsheet.
 Researched and proposed eSurety as an improved information management system to replace the
the existing system.
 Served as primary license holder for eight western states, enabling the company to successfully
conduct surety business transactions in those states.
 Upgraded documentation standards and assisted in the organization of file flow and data
management.
United States Small Business Administration 2005-2006
Supervisory Loan Officer
 Recognized as number 2 loan officer (of 60) in Sacramento Disaster Relief Office Large Business
Loan Unit.
 Performed all lead loan functions related to disaster relief loans for the gulf coast hurricanes.
 Generated various key loan products including home, business, and economic injury, while regularly
reviewing other loan officers’ work.
Personal Insurance Lines and Financial Services Representative 1995-2005
 Performed broad scope of business functions including marketing, solicitation, sales, and service of
auto, home, life, and commercial insurance products.
Other Professional Experience Includes:
Loan Specialist - U.S. Small Business Administration for Northridge Earthquake Disaster Relief (1994-1995)
Surety Bond Department Manager - Rollins Burdick Hunter Agency (1990-1994).
Willing to relocate – Prefer NC, SC, TX, GA, AZ.
EDUCATION & TRAINING
Bachelor of Science in Business Management
California State University Sacramento
California Property & Casualty, Life & Disability, and Variable Contracts Insurance License
Completed Life Underwriter Training Council Fellow (LUTCF) Designation
Pending Associate in Fidelity and Surety Bonding (AFSB – 4 of 5 Courses Completed)
Veteran, U.S. Army, 82nd
Airborne Division, Rapid Deployment Force, Sergeant E-5
20160823