Underwriter

• Responsible for driving underwriting strategy, portfolio performance, and risk selection across assigned geographic regions.
• Collaborates with state management, pricing, product, capital management, compliance, and underwriting operations to implement underwriting actions that optimize profitability, mitigate adverse selection, and enhance long term member value.
• Responsible for data driven decision making, leveraging a strong working knowledge of product management fundamentals and the ability to influence outcomes across diverse business partners.
• Monitors the book of business in assigned region, including new and inforce business mix, risk attributes, and channel patterns, enabling early identification of adverse selection or shifts in risk quality.
• Evaluates modeled results and portfolio risk drivers across the book of business understanding the underlying loss expectations, drivers of severity/frequency, and modeled financial impacts for assigned states.
• Recommends and leads the implementation of targeted underwriting action to support improvements in profitability, retention, lifetime value, and member experience.
• Partners with regional state management teams to understand market conditions, state strategies, and business objectives.
• Recommends state specific underwriting actions that balance growth, risk, and member experience.
• Collaborates with pricing, product management, compliance, and capital management to ensure alignment on underwriting recommendations and business impacts.
• Partners with the Underwriting Strategy & Capabilities team to identify and prioritize future capability needs, analytic enhancements, automation opportunities, and rule refinements.
• Supports the development or refinement of underwriting guidelines, eligibility criteria, and referral frameworks.
• Assists in managing portfolio expenses by monitoring effective financial and resource management of assigned portfolio.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

P&C Regional Portfolio Underwriting Director

• Underwriting risks in a book of business for Equipment Breakdown accounts
• Utilizing underwriting policies, rating manual rules, and insurance regulations
• Determining appropriate pricing of complex underwriting risks
• Analyzing profitability and quality of complex risks
• Marketing products and services through agencies and brokers
• Developing agency and broker relationships

Underwriting Specialist, Equipment Breakdown

• Provide leadership and oversight for the Middle Market underwriting team
• Leads and oversees Middle Market underwriting, guiding a team to effectively evaluate, price, and manage complex risks
• Drives development to remain competitive and monitors performance and claims trends
• Accountable for P&L results, manages key metrics, and implements corrective actions as needed
• Fosters a culture of accountability and excellence through coaching, audits, and governance of underwriting authority
• Collaborates cross-functionally with Distribution, Claims, Pricing, and Risk Management

Middle Market Underwriting Leader

• Under direct supervision, underwrites and assesses risk and makes recommendations for less complex accounts in a market segment.
• Establishes effective relationships with customers, agents and brokers.
• Develops consultative sales and marketing skills through their interaction with agents/brokers and via coaching from their manager.
• Develops negotiation skills through their interaction with agents/brokers and via coaching from their manager.
• Develops planning and organization skills necessary to effectively manage desk and assume a territory.
• Effectively collaborates with others on all aspects of job.
• Takes initiative for personal development and seeks to learn through underwriting, marketing, and other related opportunities.

Underwriting Professional Development Program

• Generate recurring and ad hoc reports
• Compile data from internal systems
• Assist with analysis of loss ratios and performance trends
• Validate data accuracy and completeness
• Maintain reporting templates and documentation
• Partner with cross‑functional teams to support data needs
• Review basic exception requests
• Gather supporting data and documentation
• Escalate complex requests to senior team members
• Document decisions and maintain records
• Communicate outcomes to relevant stakeholders
• Respond to inquiries received in the risk inbox
• Maintain documentation and organize shared folders
• Assist with system updates and administrative tasks
• Support cross‑functional teams as needed
• Participate in meetings and maintain organized files

Risk & Underwriting Support

• **﻿About the role:**
• The Commercial Credit Analyst II – Underwriting is responsible for analyzing the financial performance and creditworthiness of automotive dealerships, preparing credit recommendations, and supporting lending decisions while ensuring compliance with company policies and risk management standards. This role partners with dealers and internal stakeholders to gather and evaluate financial data, mitigate risk, and deliver accurate credit proposals that support business growth and portfolio quality
• **In this role you will: **
• - Accurately analyze financial statements of automotive dealerships and affiliates including fixed charged coverage ratio, bank reconciliation, assigning accurate risk ratings and provide appropriate recommendations to mitigate risk
• - Interfacing with customers and internal/external stakeholders to obtain data to complete analysis
• - Prepare accurate and concise proposals/modifications for credit committee approval

Commercial Credit Analyst II – Underwriting

• Provide analytical and operational support to Caremark Underwriting leadership
• Investigate drivers of change in pricing and forecasting outputs
• Identify root causes of anomalies
• Coordinate with internal stakeholders to obtain clarifications, data sources, and supporting documentation
• Respond to a broad range of ad hoc requests by gathering facts, performing targeted analyses, and producing clear, concise readouts for leadership and business partners
• Perform diagnostic reviews to explain changes in results across pricing and forecasting tools/models
• Partner with stakeholders across the underwriting ecosystem
• Build and maintain “side” analyses (primarily in Excel)
• Work with structured datasets and support extraction/validation of inputs and outputs using relational data concepts and SQL
• Maintain organized notes, assumptions, and reference materials

Senior Analyst, Executive Underwriting Priorities

• Partner with key stakeholders to manage the formulation of strategic credit policy for AHL, maintaining objective and robust credit boundaries.
• Translate credit strategy into clear, actionable, and consistently applied underwriting guidelines.
• Maintain a single source of truth for underwriting guidelines, including version control, change governance, and clear communication of updates.
• Serve as the bridge between credit strategy/modeling and underwriting operations, ensuring strategy is operationally executable and that operational feedback informs strategy.
• Partner with underwriting leadership to optimize processes, reduce cycle time, and improve decision consistency without weakening credit boundaries.
• Support the AHL Third-Party Origination (TPO) channel on credit policy, ensuring broker and correspondent partners operate within Achieve's credit boundaries.
• Develop TPO-specific overlays, guidance, and communications, and serve as the credit-policy point of contact for the channel.
• Own real-time monitoring of TPO credit performance - early-payment default, exception and overlay trends, guideline adherence, and fraud signals - and trigger timely, well-reasoned policy responses.
• Partner with TPO/wholesale leadership and channel counterparties to remediate performance issues and tighten or adjust policy where needed.

Director, Credit Policy – Underwriting Strategy

• Underwrite and produce profitable business within the authority granted and consistent with company goals.
• Maintain agency relationships, develop new relationships and recognize without bias any need to cease a relationship and contribute where possible to the amicable accomplishment, as necessary.
• Adheres to company underwriting guidelines, processes and tools, an individual grant of authority, and appropriate regulatory and compliance requirements in the risk analysis and underwriting decision-making process.
• Examines information such as insurance applications, websites, inspection reports, loss information, financial data and third-party data in evaluating and making appropriate risk/reward decisions.
• Effectively express information and ideas clearly through spoken, written and electronic means.
• Demonstrates and effectively communicates an understanding of products and services.
• Provide prompt & courteous responses to both internal & external customers.
• Actively engages with distribution to market our capabilities, benefits, and features, and identify new opportunities.
• Effectively leverages metrics and data to improve territory performance.
• Understands market/industry issues, trends, and competitors.
• Perform other tasks as needed.

Excess Casualty Underwriting Specialist

• Underwriting is shifting from a static to a dynamic ecosystem powered by predictive models, advanced data integration, and automated decision engines.
• Our Underwriting Strategy and Capabilities team serves as the engine room for technological change for our personal lines of business.
• Leading tech-savvy teams to design modular, cross-product solutions.
• Managing the execution flow and multimillion dollar IT budget of our portfolio.
• Architecting our long-term strategic roadmaps.
• Accountable for developing new products and overseeing and managing the launch and maturation of new products into target strategic markets.
• Acting as a cross functional expert providing expertise and support for product line initiatives related to product development, compliance, operational and process improvements, claims management, vendor management, product documentation, fulfillment, and/or system releases.
• Responsible for the development of digital first products supporting the needs and risks of USAA Members.
• Responsible for maintaining thorough level of knowledge of business and underwriting performance for products in scope (e.g.trends, results, etc.).
• Responsible for post-launch monitoring, maintenance and underwriting of 'new in market' products based on product performance, member needs and competitive changes in the market including but not limited to product rules, rates, and forms.
• Conducting complex analysis of internal and external data and member information to support formulation of product strategy and enhance competitive intelligence.

Underwriting Strategy and Capabilities Director

• Assess the creditworthiness of loan applicants by analyzing financial data, credit reports, and other relevant information.
• Determine the risk level associated with lending and make informed decisions based on established criteria.
• Evaluate exceptions to credit policy carefully and make recommendations to the leadership team
• Collaborate with internal teams to streamline the underwriting process and ensure timely completion of applications.
• Conduct periodic reviews of existing customers to evaluate credit limit changes and recommend appropriate changes.
• Communicate effectively with clients, providing clear explanations of underwriting decisions and assisting in resolving inquiries.

Underwriting Analyst

• Successfully complete applicable market new hire training and certification.
• Learn to manage multi-state, multi-line accounts throughout their lifecycle, including rating/pricing, quoting, issuing policies, and handling related account activities.
• Build and maintain strong working relationships with teammates, business partners and agents.
• Learn standardized workflows and state compliance guidelines to understand business processes.
• Analyze multiple sources of information to make sound decisions.
• Develop critical thinking and decision-making skills to enhance business partner and customer confidence.
• Execute service level commitments and deliver quality products in a timely manner.
• Perform other duties as assigned.

Underwriting Associate, Operations, Account Specialist – Middle Market Business Insurance

• Lead the design and delivery of large-scale, production-ready underwriting platforms , including AI and LLM-powered capabilities
• Architect highly available, secure, and scalable services that support enterprise-level workloads
• Drive end-to-end ownership of systems—from concept and architecture through production and long-term evolution
• Provide technical leadership across multiple teams , influencing architecture, design patterns, and engineering standards
• Mentor and grow senior and mid-level engineers, setting a high bar for engineering excellence
• Partner closely with Product, Operations, and Engineering Leadership to deliver measurable business outcomes
• Modernize legacy systems through cloud migration, automation, and digital transformation initiatives
• Champion best practices in observability, performance, reliability, and security
• Communicate complex technical concepts clearly to both technical and non-technical stakeholders

Senior Staff Software Engineer – AI & Underwriting Platforms

• Partner with senior leaders across Underwriting, Originations, Risk, Operations, and business teams to shape priorities, influence outcomes, and secure alignment on strategic objectives.
• Lead and develop a team of Business Execution professionals while driving alignment, pace, and delivery across high-priority, complex initiatives.
• Drive modernization efforts that simplify processes, strengthen operating discipline, and improve the scalability and effectiveness of underwriting capabilities.
• Provide leadership visibility through strong executive communication, concise updates, and data-driven recommendations that support informed decision-making.
• Identify and manage risks, remove roadblocks, and lead timely resolution of critical issues with a clear focus on sustainable outcomes.
• Orchestrate cross-functional execution for medium- and large-scale initiatives, ensuring clear ownership, disciplined follow-through, and measurable results.
• Translate business priorities into actionable plans, decision frameworks, and execution roadmaps that accelerate progress and improve performance.
• Promote a high-performing culture grounded in accountability, continuous improvement, talent development, and strong partnership across teams.
• Deliver results on high-priority initiatives with urgency, ownership, and strong execution discipline.
• Demonstrate sound judgment in identifying risks, escalating issues, and driving timely decisions and resolution.
• Build alignment across stakeholders and influence action in a complex, matrixed environment.
• Prioritize effectively, adapt quickly, and maintain momentum in a dynamic and evolving business environment.
• Promote accountability, teamwork, continuous improvement, and high standards for quality and follow-through.

Business Execution Senior Manager – Underwriting

• Design and execute underwriting strategies that drive profitable growth while ensuring strong, risk-adjusted returns.
• Establish and oversee underwriting guidelines, pricing models, and risk selection standards to ensure consistency and sound decision-making.
• Monitor and evaluate portfolio performance, underwriting KPIs, and loss trends to identify opportunities for improvement and optimize results.
• Lead, coach, and develop a high-performing team of commercial underwriters, ensuring alignment with company goals and fostering professional growth.
• Conduct quarterly quality assurance audits, assess underwriting accuracy and compliance, and present actionable insights to senior leadership.

Commercial CAT Underwriting Manager

• Establish and ensure adherence to risk appetite, risk selection, coverage analysis, underwriting guidelines and underwriting authority for assigned line(s) of business.
• Create consistency in underwriting and pricing decisions and enhance monitoring standards to assess underwriting results at the portfolio level.
• Provide subject matter expertise and support for complex referrals.
• Acquire and leverage market intelligence to compare to peers’ and ensure a competitive fit for our agency customers.
• Work with Product leadership to develop new product ideas and review coverage language.
• Assist in underwriting governance by participating in underwriting audits, monitoring exception thresholds and working with regional management on improvement plans.

Underwriting Consultant

• Develops internal capabilities for commercial lending to automotive dealerships
• Manages all aspects of commercial credit underwriting for floorplan, term loans, construction loans, and real estate loans
• Develops and implements strategy for field sales support and serves as a point of contact for new credit requests
• Develops commercial lending system strategies and manages implementation
• Provides leadership, coaching, guidance and training for credit analyst development

Manager, Commercial Credit – Underwriting

• Leverages intermediate and some advanced business, analytical and technical knowledge to participate in discussions with cross functional teams to understand and collaborate on business objectives and influence solution strategies.
• Applies advanced analytical techniques to solve business problems that are typically medium to large scale with impact to current and/or future business strategy.
• Applies innovative and scientific/quantitative analytical approaches to draw conclusions and make 'insight to action' recommendations to answer the business objective and drive the appropriate change.
• Translates recommendation into communication materials to effectively present to colleagues for peer review and mid-to-upper-level management.
• Incorporates visualization techniques to support the relevant points of the analysis and ease the understanding for less technical audiences.
• Identifies and gathers the relevant and quality data sources required to fully answer and address the problem for the recommended strategy through testing or exploratory data analysis (EDA).
• Integrates/transforms disparate data sources and determines the appropriate data hygiene techniques to apply.
• Thoroughly documents assumptions, methodology, validation and testing to facilitate peer reviews and compliance requirements.
• Understands and adopts emerging technology that can affect the application of scientific methodologies and/or quantitative analytical approaches to problem resolutions.
• Delivers analysis/findings in a manner that conveys understanding, influences mid to upper level management, garners support for recommendations, drives business decisions, and influences business strategy.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Mid-Level Decision Science Analyst – P&C Underwriting Analytics

• Review and analyze commercial title searches, surveys, and due‑diligence materials
• Identify and resolve title issues, exceptions, and underwriting risks
• Draft and approve title commitments, endorsements, and final policies
• Collaborate with escrow, production, attorneys, and national underwriters
• Provide guidance on complex deal structures, entity documentation, and closing requirements
• Communicate underwriting decisions clearly to internal teams and clients
• Ensure compliance with state regulations and underwriter guidelines

Title Insurance – Commercial Underwriting

• Manage a team of staff insurance professionals in planning, developing, and administration of USAA Group P&C products and programs which support both corporate and P&C operational performance objectives
• Directs the identification, analysis, development, and implementation of complex initiatives that maintain the relevance and integrity of our underwriting policies, processes and programs
• Implementation may include overseeing business configuration efforts, including testing and deployment
• Directs the development, maintenance and optimization of existing processes and systems to comply with legal and company requirements while delivering maximum ROI
• Ensures adherence to established policies and effective program support
• Manages identification and implementation of opportunities to improve processes and systems to increase member conductivity, employee experience, risk mitigation, and operational efficiency

Underwriter jobs in Texas

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