La Toya Henderson
Atlanta
Summary
Accomplished professional with experience in program management and underwriting. Combines analytical skills with relationship management to assess program performance and implement corrective actions. Committed to optimizing workflows and enhancing communication across teams to achieve strategic objectives.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Program Manager
Everspan
Atlanta, GA
02.2025 - Current
- Evaluate new and renewal programs by assessing pricing adequacy, loss projections, exposure bases, and alignment with fronting and reinsurance structures
- Oversee program performance by monitoring loss trends, tracking premium vs. expectations, and identifying early signs of deterioration or improvement
- Conduct underwriting and program audits to ensure policy accuracy, rating integrity, and adherence to carrier, fronting, and delegated-authority guidelines
- Manage MGA, broker, and reinsurance relationships as the primary point of contact for program oversight, issue resolution, and strategic alignment
- Lead recurring program reviews delivering performance updates, recommendations, and financial monitoring of premium, fees, collateral, and program-level results
Program Underwriter- Trucking
Canopius
Chicago, IL
07.2022 - 02.2025
- Managed MGA portfolios by monitoring adherence to underwriting guidelines and contract terms, including GWPI, risk limits, rates, and aggregate limits
- Compiled and analyzed performance data across risks and accounts to identify trends, diagnose underperformance, and recommend corrective actions
- Conducted portfolio reviews using company pricing models to evaluate program profitability and ensure target loss ratios were maintained
- Strengthened carrier-MGA relationships through regular meetings, onsite visits, and conference engagements to support program performance and strategic alignment
- Developed and maintained broker and agent relationships within the transportation segment to generate new business opportunities and expand program distribution
Senior Operations Specialist
MAGMUTUAL
Atlanta, GA
06.2021 - 07.2022
- Served as a key liaison between Underwriting and Operations, coordinating with internal teams and external brokers to gather, validate, and transmit new business for hospital, healthcare facility, and physician policies
- Analyzed data to identify potential areas of improvement, resulting in increased efficiency and cost savings
- Implemented improved tracking, reporting, and performance-metric processes to enhance visibility and alignment across Underwriting and Operations
- Developed training materials, led special projects, and supported onboarding to strengthen operational consistency and reinforce underwriting requirements
Underwriter, Casualty
NBIS
Atlanta, GA
12.2018 - 06.2021
- Underwrote complex risks focusing on crane & rigging, concrete pumping, specialized transport, and equipment dealers across CGL, Auto, WC, Excess/Umbrella, and Property
- Strengthened performance by mentoring Underwriting Assistants, monitoring KPIs (rate, retention, new business), and collaborating with Sales, Loss Control, and Product teams to retain key accounts and win new business
- Managed two major broker agencies with a combined $33M book, setting profitable rates, coverage structures, and terms aligned with carrier and program guidelines
- Built strong retail and wholesale broker relationships, delivering creative placement strategies for hard-to-place risks
Technical Underwriter, Truck Insurance Group
AIG
Atlanta, GA
08.2017 - 12.2018
- Solicited trucking submissions by obtaining all required documentation for small to middle-market accounts
- Analyzed policy data including billing, inspection reports, loss runs, and financial statements to assess account quality
- Assisted in quote and policy issuance by preparing quotes, binders, endorsements, and policies within underwriting guidelines
- Supported post-bind operations through premium coding, booking resolution, and handling post-policy transactions
- Conducted industry and risk research to support underwriters in communicating and executing AIGRM strategies with brokers
Underwriting Associate
Zurich North America
Atlanta, GA
10.2016 - 08.2017
- Solicited complete submissions for all Construction Casualty lines, ensuring all required documentation was obtained for underwriting review
- Processed complex accounts independently, including rating, policy issuance, renewals, filings, endorsements, bureau criticisms, cancellations, and reinstatements
- Managed annual renewals for middle-market accounts, coordinating all underwriting and documentation requirements
- Provided full account servicing across billing, collections, contract services, claims coordination, and Risk Engineering support
- Evaluated and recommended submissions by reviewing applications, financials, and supporting documents to assess risk, determine appetite fit, and make accept/decline decisions
Credit Analyst
Hyundai Capital America
Atlanta, GA
07.2013 - 10.2016
- Purchased auto finance contracts from franchise dealerships while evaluating credit application quality and deal structure
- Managed daily dealer relationships by communicating credit decisions clearly and supporting ongoing account needs
- Reviewed credit profiles to assess patterns, liabilities, judgments, and overall creditworthiness
- Developed sales relationships with Dealer Principals and key decision-makers to drive new contract volume
- Analyzed financial and collateral documentation including income, assets, credit, and collateral to determine deal viability and negotiate rates and fees
ESL Teacher
Taebong Elementary School
Pocheon, South Korea
06.2012 - 06.2013
- Developed instructional plans and assisted faculty with strategies for English lesson plans in line with the National Curriculum
- Counseled students and provided reports on their development
- Organized 2-week summer and winter camps for over 50 students and led workshops for students of varying English levels
- Maintained effective behavioral management within the classroom by incorporating motivational activities and positive reinforcement strategies
- Developed and prepared new materials, including audio and visual resources for ESL students
ESL Teacher
Eboyoung Private Institute
Jinju, South Korea
05.2011 - 05.2012
- Hosted training workshops for fellow faculty members to establish peer-to-peer feedback
- Developed and implemented lesson plans to meet the needs of English language learners
- Provided individualized instruction to students with diverse backgrounds and abilities
- Utilized a variety of teaching methods such as lectures, discussions, role-play activities and multimedia presentations
Education
MBA -
University of Phoenix
Tempe, AZ03.2016
Bachelor of Science - Psychology
Kennesaw State University
Kennesaw, GA07.2010
Skills
- Relationship Management
- Account Management
- Negotiation
- Communication
- Risk Assessment
- Qualitative/Quantitative Reasoning
- Project Management
- Program Evaluation
Certification
- TESOL Certification
- WSIA 2023 Surplus Lines Management Program
- TRS Designation (Transportation Risk Specialist)
Timeline
Program Manager
Everspan
02.2025 - Current
Program Underwriter- Trucking
Canopius
07.2022 - 02.2025
Senior Operations Specialist
MAGMUTUAL
06.2021 - 07.2022
Underwriter, Casualty
NBIS
12.2018 - 06.2021
Technical Underwriter, Truck Insurance Group
AIG
08.2017 - 12.2018
Underwriting Associate
Zurich North America
10.2016 - 08.2017
Credit Analyst
Hyundai Capital America
07.2013 - 10.2016
ESL Teacher
Taebong Elementary School
06.2012 - 06.2013
ESL Teacher
Eboyoung Private Institute
05.2011 - 05.2012
Bachelor of Science - Psychology
Kennesaw State University
MBA -
University of Phoenix