WCONEY // RISK ANALYTICS

> WILLIAM CONEY

Insurance Risk Analyst & Licensed P&C Professional

Licensed Texas Personal Lines Agent with multi-state P&C licensure across 29 states. Specializing in insurance rating simulation, surety bond underwriting, and business credit risk modeling. Background in data-driven financial analysis and risk classification systems designed to mirror real-world carrier workflows.

TX Personal Lines Agent 29-State Licensed Python // SQL // Excel Google Data Analytics Prairie View A&M University

System Status

LICENSETX ACTIVE

COVERAGE29 STATES

LINEP&C PERSONAL + COMMERCIAL

MODELS3 ACTIVE

TARGETCLAIMS // UNDERWRITING

LOCATIONDALLAS TX // REMOTE OK

EDUCATIONB.A. POLI SCI // PVAMU

CONTACTwconey.info@gmail.com

Insurance Rating & Financial Risk Modeling Tool

Simulates manual and experience-based rating for commercial and personal lines. Stepwise carrier worksheet logic: class factors, territory adjustments, coverage limits, deductible credits, schedule modifications, and EMod from 3-year loss history. Personal lines includes age, vehicle, accident, credit tier, and discount factors.

Class Code

Territory

Base Rate per Unit ($)

Exposure Units

Limit Factor

Deductible Credit

Schedule Modification

Loss Development Factor (IBNR)

3-Year Loss History

Year 1 Losses ($)

Year 1 Claims

Year 2 Losses ($)

Year 2 Claims

Year 3 Losses ($)

Year 3 Claims

// Stepwise premium calculation

RATING WORKSHEET OUTPUT--

PREMIUM CALCULATION STEPS

FACTOR ANALYSIS

Surety Risk & Contract Evaluation Simulation

Evaluates contractor risk using financial strength, project size, backlog, and performance history. Models cash flow, leverage, and completion risk to simulate bond approval and capacity limits. Scenario stress testing for cost overruns, schedule delays, and revenue declines.

Current Assets ($)

Current Liabilities ($)

Net Worth ($)

Total Liabilities ($)

Annual Revenue ($)

Net Income ($)

Cash on Hand ($)

Business Credit Score (300–850)

Years in Business

Prior Bond Defaults

Contract Value ($)

Project Type

Total Backlog ($)

Projects Completed (3yr)

On-Time Completions

Avg Cost Overrun %

Prior Bond Claims

Stress Scenario

Cost Overrun % (stress)

Schedule Delay (months)

Revenue Decline % (stress)

// Surety underwriting simulation

SURETY UNDERWRITING OUTPUT--

Business Credit Risk Evaluation Model

Multi-factor credit scoring using revenue stability, debt ratios, payment history, and industry risk. Classifies business risk Tier 1 (Prime) through Tier 5 (Distressed). Weighted composite scoring with full credit memo and terms output.

Industry

Revenue Year 1 ($)

Revenue Year 2 ($)

Revenue Year 3 ($)

Gross Profit ($)

Net Income ($)

EBITDA ($)

Current Assets ($)

Current Liabilities ($)

Total Assets ($)

Total Liabilities ($)

Total Debt ($)

Annual Debt Service ($)

Payment History

Days Beyond Terms (avg)

On-Time Payment Rate (0–1)

Derogatory Marks

Prior Bankruptcies

Credit Utilization (0–1)

Business Credit Score (0–100)

// Multi-factor credit evaluation

CREDIT EVALUATION OUTPUT--

Skills & Competencies

Insurance Operations

Licensed P&C agent — Texas Personal Lines Agent, active April 2026. Multi-state licensure across 29 states. Experience in policy administration, coverage analysis, rate structures, and carrier compliance standards across personal and commercial lines.

Commercial Lines Rating

Experience modification (EMod) calculation, credibility weighting, loss development, IBNR adjustment, frequency/severity analysis, and class-based risk segmentation across commercial auto, general liability, and property lines.

Personal Lines Rating

Auto, homeowners, renters, and umbrella rating. Driver age factors, vehicle age adjustments, accident/violation surcharges, credit tier pricing, multi-policy bundling, prior insurance continuity, and coverage limit selection.

Surety Bond Underwriting

Contractor financial analysis including current ratio, D/E ratio, and working capital evaluation. Backlog-to-equity capacity modeling, completion probability assessment, and scenario stress testing for cost overruns and delays.

Business Credit Risk

Revenue stability modeling, DSCR evaluation, payment behavior scoring, and industry risk classification. Tier 1–5 risk tiering from Prime to Distressed with credit memo output including approved limits, rate premiums, and conditions.

Technical Tools

Python — risk modeling, simulation, and financial analysis. SQL for data querying and aggregation. Excel for financial modeling. Google Data Analytics certified. All three portfolio models are production-grade Python programs with full JSON audit export.

Contact

wconey.info@gmail.com

Location

Dallas, TX // Remote Eligible

linkedin.com/in/williamconey

GitHub

github.com/WilliamConey