Maria Delores Estrada
USAA
SANANTONIO,TX
1
Language
1
Certification
43
years of professional experience
Seasoned Property and Casualty Underwriter with strong expertise in coverage evaluation, policy analysis, and liability assessment. Recognized for careful review of complex risks, clear documentation, and dependable teamwork. Focused on protecting underwriting integrity and supporting accurate, efficient account decisions.
Work History
Property and Casualty Underwriter
38 Years 5 Months- Evaluated casualty submissions against underwriting guidelines, risk appetite, and referral authority.
- Analyzed loss history, exposures, and coverage terms to determine acceptable account pricing.
- Issued underwriting decisions for complex risks while maintaining policy consistency and compliance.
- Collaborated with internal teams to clarify account information and resolve exceptions.
- Documented underwriting rationale, approvals, and file activity to support audit readiness.
- Guided junior underwriters on risk selection standards, workflow discipline, and quality expectations.
Cashier
2 Years 1 Month- Processed customer transactions accurately using register, cash, credit, and debit payment systems.
- Greeted shoppers, answered checkout questions, and delivered courteous service at front register.
- Balanced cash drawer and resolved payment discrepancies according to store procedures.
- Scanned merchandise efficiently, applied discounts, and maintained accurate pricing at checkout.
Education
Bachelor of Arts - Sociology
Skills
Underwriting guidelines
Liability analysis
Insurance underwriting
Coverage evaluation
Policy analysis
Teamwork and collaboration
Problem-solving abilities
Attention to detail
Time management
Critical thinking
Reliability
Multitasking Abilities
Certification
Associate of General Insurance
Associate in Personal Insurance
Languages
English
Full Professional
Timeline
Property and Casualty Underwriter
USAA
01.1988 - 06.2026Read More
Cashier
Kmart
02.1983 - 03.1985Read More
University of The Incarnate Word
Bachelor of Arts from Sociology
Read More