SENIOR COMMERCIAL AUTO UNDERWRITER - San Antonio, TX (78248)

Position

Summary: The Senior Commercial Auto Underwriter is responsible for underwriting complex and high-value commercial auto insurance risks with a focus on profitability and growth.

This role requires advanced knowledge of commercial auto exposures, underwriting guidelines, and market dynamics.

The Senior Underwriter serves as a subject matter expert, mentors junior underwriters, and plays a key role in maintaining agency relationships and driving underwriting strategies within the organization.

Key

Responsibilities: Underwriting Expertise : Evaluate, select, and price complex commercial auto risks, including fleets, for-hire trucking, contractors, public auto, and other specialized classes.

Risk Assessment : Analyze applications, loss runs, MVRs, IFTAs, SAFER/CAB reports, and other underwriting data to assess risk quality and exposure.

Portfolio Management : Maintain a profitable book of business by enforcing underwriting discipline and balancing growth objectives with risk appetite.

Agency : Develop and manage strong relationships with appointed agents to drive quality submissions and support business development.

Referrals & Authority : Exercise delegated underwriting authority and make sound decisions; review and approve submissions referred by junior underwriters.

Collaboration : Partner with actuary, claims, and risk control teams to review accounts and identify underwriting trends and opportunities for improvement.

Compliance : Ensure underwriting decisions comply with corporate policies, industry regulations, and applicable state guidelines.

Mentorship & Training : Serve as a resource and mentor to less experienced underwriters; assist in training and onboarding as needed.

Strategic Input : Contribute to underwriting guidelines, product development, and market strategy initiatives.

Education &

Experience: Bachelor's degree in Business, Risk Management, Insurance, or related field (preferred). 5–8+ years of commercial auto underwriting experience, preferably with an insurance carrier.

Experience underwriting large fleets and complex risks is highly desirable.

Certifications (Preferred): CPCU, AU, ARM, or similar industry designations.

Skills & Competencies: Advanced underwriting and risk assessment abilities.

Strong knowledge of ISO, DOT/FMCSA regulations, and fleet operations.

Proficient in underwriting systems, rating tools, and Microsoft Office.

Excellent analytical, negotiation, and communication skills.

Ability to manage a high volume of work and make timely decisions.

Strong organizational skills and attention to detail.

Proven ability to work independently and collaboratively across teams.

Must be bilingual: English and Spanish Work Environment: Standard office environment Occasional travel to attend industry events, agency visits, or training