HILDA MIRA
McKinney,TX
Summary
Dynamic and strategic Underwriting Leader with over 20 years of progressive experience in Commercial Insurance. Proven success leading large-scale underwriting operations across Commercial Auto, Business Owners, and Workers Compensation, consistently improving profitability, quality, and cycle times. Recognized for advancing enterprise goals through strategic planning, cross-functional collaboration, technology transformation, and people development. Strong track record of coaching high-performing teams, driving continuous improvement, and aligning underwriting execution with evolving market and customer needs. Bilingual in English and Spanish.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Underwriting Team Manager – PolicyCenter (Commercial Auto & BOP)
State Farm Insurance
11.2020 - Current
- Direct onboarding and training of 120+ employees during PolicyCenter rollout while maintaining service levels and addressing vehicle/trailer submission issues.
- Led D&I Culture Day with 300+ attendees and 7 executive speakers; earned 93% satisfaction and reinforced leadership visibility.
- Enhanced underwriting accuracy through Internal Quality Program and acumen sessions, resulting in >90% quality rates.
- Reduced process variance within agency system by 80% through collaboration with Learning and ECRM system enhancements.
- Executed Claim Activity migration across BOP and Commercial Auto, adding 800+ activities/month; led Kaizen driven initiatives that improved quality, guidelines, and underwriting judgment.
- Doubled D&I impact through Employee Development Committee expansion and launched digital literacy initiatives across departments.
Underwriting Section Manager – Audit
State Farm Insurance
04.2023 - 02.2024
- Co-led a 300+ person team driving strategic audit initiatives in WC and Contractors; exceeded quality targets with 90.3% (WC) and 82.6% (Contractors).
- Led 2024 strategic planning and developed a Strategy Map aligned with enterprise profitability goals; supported restructuring of the Audit organization to increase agility and reduce process time.
- Partnered with Product, Enterprise Tech, Ops Excellence, and Workforce teams to support combined loss ratios of 78% (WC) and 80% (Contractors).
- Achieved 24.7% carryover improvement, managing weekly volumes of up to 161,000 activities; drove down backlog by nearly 40,000 tasks.
- Directed 100+ workstreams through an Audit Staffing Plan focused on people, process, and technology levers to enhance the customer experience and efficiency.
Learning Team Manager
State Farm Insurance
11.2016 - 11.2020
- Directed training for 500+ learners annually across Business Lines, achieving a 10% training cycle reduction and learner readiness rating of 4.8/5.
- Reengineered BLRC curriculum and accountability framework, increasing learner engagement and reducing post-training performance issues.
- Implemented learner observation-based support model to personalize development and increase post-training success rates.
Underwriting Team Manager – Contact Center & Production
State Farm Insurance
03.2002 - 11.2016
- Launched a Reunderwriting program achieving a 5-year combined ratio of 84.1%.
- Partnered with regulators and Legal to transition $2B EQ exposure to the California Earthquake Authority.
- Led growth initiatives in CA Auto and managed umbrella policy underwriting to ensure treaty and facultative reinsurance compliance.
- Oversaw virtual teams across multiple states and led hub consolidation efforts.
Education
MBA - Management
California State University, Bakersfield
B.S. - Business Administration (Marketing)
California State University, Bakersfield
Skills
- P&C Underwriting Strategy
- Commercial Auto
- Workers Compensation
- Business Owners and Contractors
- Apartment & Residential Owners Association
- Underwriting Profitability
- Organizational Alignment
- Digital transformation
- Leadership Development
- Talent Development
- Continuous Improvement
- Kaizen Enhancements
- Strategic Planning & Implementation
Certification
- CPCU – Chartered Property Casualty Underwriter
- CLU – Chartered Life Underwriter
- ChFC – Chartered Financial Consultant (in progress)
Timeline
Underwriting Section Manager – Audit
State Farm Insurance
04.2023 - 02.2024
Underwriting Team Manager – PolicyCenter (Commercial Auto & BOP)
State Farm Insurance
11.2020 - Current
Learning Team Manager
State Farm Insurance
11.2016 - 11.2020
Underwriting Team Manager – Contact Center & Production
State Farm Insurance
03.2002 - 11.2016
MBA - Management
California State University, Bakersfield
B.S. - Business Administration (Marketing)
California State University, Bakersfield