Taylor Davis
Dallas-Fort Worth,TX
Summary
Insurance and risk professional with 8+ years of experience across claims investigation, underwriting, vehicle loss appraisal, and mortgage lending risk review. Deep understanding of policy interpretation, liability analysis, loss evaluation, and regulatory compliance within property & casualty environments. Known for producing defensible claim analyses, negotiating settlements, and coordinating across legal, underwriting, and operational teams to mitigate financial exposure. Brings a balanced background across underwriting, claims, and financial risk review—well suited for MGA environments requiring analytical judgment, documentation discipline, and strong stakeholder communication.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Senior Claims Specialist
Zurich Insurance
North America (Hybrid)
06.2023 - Current
- Manage a portfolio of complex automobile liability claims, conducting full investigations including police reports, recorded statements, policy review, and damage analysis.
- Interpret policy language and determine coverage applicability while evaluating liability exposure and financial risk.
- Produce detailed written liability determinations and claim narratives supporting defensible coverage decisions and litigation review.
- Collaborate with underwriting, legal, and operational teams to resolve claims efficiently and ensure alignment with company risk tolerance.
- Negotiate settlements and resolution strategies while maintaining compliance with regulatory standards and carrier guidelines.
- Maintain comprehensive claim documentation supporting audits, regulatory review, and litigation readiness.
- Provide guidance to junior staff and contribute to internal claims process improvement initiatives.
Account Manager
Angel Oak Mortgage Solutions
Dallas, TX
05.2021 - 10.2022
- Managed relationships with mortgage lending partners while ensuring contract adherence and accurate loan pipeline documentation.
- Reviewed borrower documentation and financial profiles to identify potential underwriting or compliance concerns.
- Coordinated with underwriting, operations, and sales teams to facilitate efficient loan processing and risk review.
- Maintained detailed records of contractual agreements, renewals, and client communications within CRM systems.
Mortgage Loan Originator
AmeriSave Mortgage Corporation
Remote
08.2020 - 05.2021
- Evaluated borrower financial profiles, credit data, and supporting documentation to determine loan eligibility and risk exposure.
- Guided clients through lending requirements while maintaining compliance with federal and internal lending standards.
- Maintained detailed loan documentation ensuring accuracy and regulatory adherence throughout the origination process.
Underwriter
State Farm
Dallas-Fort Worth Metroplex
09.2019 - 08.2020
- Assessed insurance applications and underwriting data to evaluate eligibility and classify risk exposure.
- Reviewed coverage requests, policy terms, and underwriting guidelines to ensure compliance and proper risk selection.
- Partnered with agents and internal teams to resolve underwriting questions and policy modifications.
Auto Appraiser
Travelers
Dallas-Fort Worth Metroplex
01.2018 - 09.2019
- Inspected damaged vehicles and assessed structural, mechanical, and cosmetic loss to determine accurate repair scope.
- Prepared detailed repair estimates using industry cost guides and appraisal software.
- Negotiated repair costs with body shops and vendors to reach fair and accurate settlement outcomes.
- Documented inspections and repair decisions to support claim resolution and audit readiness.
Auto Damage Adjuster
GEICO
Greater Atlanta Area
01.2016 - 01.2018
- Evaluated vehicle damage and estimated repair costs using industry labor and parts cost standards.
- Reviewed repair estimates with repair facilities to secure agreement on cost and repair scope.
- Determined total loss scenarios versus repair feasibility while explaining settlement options to policyholders.
Education
Bachelor of Science - Business Administration
Oglethorpe University
Skills
- Risk Analysis & Loss Evaluation
- Coverage Interpretation
- Insurance Operations
- Liability Investigation
- Policy & Contract Review
- Claims Documentation
- Regulatory Compliance
- Vendor & Stakeholder Coordination
- Client Relationship Management
- Data & Loss Trend Analysis
- Negotiation & Resolution Strategy
- Underwriting Collaboration
- Insurance policy sales
- Claims management expertise
- Legal compliance
- Policy interpretation
Websites
Certification
Texas All Lines Adjuster License
Timeline
Senior Claims Specialist
Zurich Insurance
06.2023 - Current
Account Manager
Angel Oak Mortgage Solutions
05.2021 - 10.2022
Mortgage Loan Originator
AmeriSave Mortgage Corporation
08.2020 - 05.2021
Underwriter
State Farm
09.2019 - 08.2020
Auto Appraiser
Travelers
01.2018 - 09.2019
Auto Damage Adjuster
GEICO
01.2016 - 01.2018
Bachelor of Science - Business Administration
Oglethorpe University
Additional Strengths
- Advanced written documentation skills including claim summaries, liability determinations, and coverage explanations.
- Ability to interpret complex policy language and translate findings into clear operational decisions.
- Experience working across claims, underwriting, and financial risk review environments.
- Strong cross-functional collaboration with legal teams, underwriting departments, vendors, and clients.
Career Interests
- Risk Analyst
- Underwriting Analyst
- Insurance Operations Specialist
- Compliance Analyst
- MGA Program Specialist
- Risk & Insurance Program Administration
Professional Development
- Oct 2022 – Jun 2023 Technology & Systems Training
- Completed coursework in CompTIA A+ fundamentals and coding basics to strengthen technical literacy and data systems awareness within insurance operations.