Summary
Overview
Work History
Education
Skills
Timeline
Generic

Victor Gardea

Kearns,UT

Summary

Commercial Insurance Underwriter with over eight years of successful experience as a an underwriter specializing in Business Auto, Artisan Contractor, Auto Service & Repair, Habitation, Hospitality, Inland Marine, Institutional, Manufacturing, Real Estate, Restaurant, Retail/Service, Wholesale, and Workers Compensation. Well experienced reviewing new business quotes and renewal policies while determining if the risk meets eligibility requirements for coverage. Correspond with agents regarding needed information per a quote submissions or continued coverage on a renewal policy. Recognized for evaluating new business quotes and renewal policies according to company and compliance guidelines. Excellent reputation for resolving issues and improving company and agent satisfaction. Consult regularly with management about newly implemented procedures and programs that impact the book of business. Known for utilizing company resources to determine a an acceptable premium for the insured, agency, and the company

Overview

22
22
years of professional experience

Work History

Commercial Insurance Auto Underwriter

National General Insurance
03.2022 - 07.2024
  • Auto insurance underwriter that reviews, approves, and declines quotes, offer renewals, review loss history to determine if coverage can continue or declined
  • Review post-bound policies to ensure the risk is eligible within the underwriting guidelines
  • Forge relationships with agents by providing information regarding coverages, policy endorsements, along with state and federal Department of Transportation (DOT) standards and reviews inspection reports for the scheduled autos

Commercial Underwriter I and II

Farmers Insurance Group
10.2016 - 03.2022
  • Retention and New Business Underwriter authorized to review policy and quotes to determine if continuous coverage should be extended
  • Use approved classification systems, rating plans and selection standards to determine eligibility, desirability, and proper pricing
  • Participates and leads discussions with agents and peers on products, services, underwriting standards, and cross/upselling opportunities to promote company goals that are unique to the territory I underwrite in
  • Review business loss experience, loss control reports, file information, policyholder tenure, related policies, and nature of risk in accordance with company guidelines, standards, and state law compliance
  • Responsible for profitable growth of commercial Property/Casualty and Workers Compensation business through proper selection, classification, and pricing of risks within assigned territory

Commercial Underwriting Service Advocate

Farmers Insurance Group
09.2013 - 10.2016
  • Communicated with insurance agents regarding Property & Casualty Business Owners Policies and Workman’s Compensation Policies
  • Assist agents with complex underwriting philosophies, policies, and marketing initiatives
  • Utilized core competencies and skills to maximize agent experience
  • Validate acceptable risks for new business, process endorsements, and assist agents with billing questions
  • Developed effective working relationships with agents via phone calls and/or e-mail to gather and analyze information critical to complete the underwriting review

Supervisor

Wells Fargo Bank
08.2002 - 09.2013
  • Responded to daily staff inquiries, customer issues, and disputes from external and internal customers regarding financial products and services
  • Monitored team and individual performances and resolved issues or concerns
  • Monitored quality performance with processed work and recorded phone calls from team members
  • Implemented new policy and procedures as they were developed
  • Analyzed and made recommendations to enhance improvement processes for daily operations
  • Completed monthly performance reviews for team members on a monthly and annual basis
  • Provided and addressed performance appraisals
  • Interviewed and hired candidates
  • Administered termination of team members
  • Conducted weekly team meetings

Education

Bachelor of Science - Organizational Leadership, Finance

Colorado State University - Global Campus
06.2017

Skills

  • Evaluate risk experience
  • Logic and reasoning
  • Identify complex issues
  • Evaluate options
  • Implement solutions
  • Evaluate loss experience
  • Review underwriting data
  • Analyze financial strength
  • Work under pressure
  • Provide quality underwriting solutions
  • Collaborate with marketing and management
  • Analyze risks for eligibility
  • Execute marketing plans
  • Participate in loss analysis
  • Validate information
  • Negotiation
  • Teamwork
  • Customer resolution
  • Conflict handling

Timeline

Commercial Insurance Auto Underwriter

National General Insurance
03.2022 - 07.2024

Commercial Underwriter I and II

Farmers Insurance Group
10.2016 - 03.2022

Commercial Underwriting Service Advocate

Farmers Insurance Group
09.2013 - 10.2016

Supervisor

Wells Fargo Bank
08.2002 - 09.2013

Bachelor of Science - Organizational Leadership, Finance

Colorado State University - Global Campus
Victor Gardea