Texas Farm Bureau
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Commercial Underwriter SR
Job Code:2020-UNDCOM-003
Company:Texas Farm Bureau Casualty Insurance Company
Location:Waco, TX
Job Responsibilities:

This position is responsible for analyzing new and existing business concerning acceptability, rate selection, and loss history in order to produce an Underwriting profit.  This position is also responsible for assisting in the training and any other functions as delegated by the assigned Commercial Lines Underwriting Manager.




Examine documents to determine degree of risk from such factors as applicant financial standing, and value and condition of property.


Request and analyze sufficient loss history data to identify and reverse loss-causing trends.


Perform functions as delegated by the assigned Commercial Lines Underwriting Manager and assume responsibilities as assigned in the manager’s absence.


Effectively sell, communicate, and substantiate the Underwriting philosophy of the TFBIC and Underwriting department to the agents, county secretaries, applicants and insureds.


Assist in development and training of agents in designated high loss ration counties to understand and avoid risks with high loss potential.


Make underwriting decisions in compliance with departmental procedures, TFB guidelines, binding limitations, reinsurance restrictions, and Texas Department of Insurance regulations.


Write to field representatives, medical personnel, and others to obtain further information, quote rates, or explain company underwriting policies.


Communicate Underwriting decisions to agents, applicants, and insureds.


Evaluate the possibility of losses due to catastrophe or excessive insurance.


Decrease the value of a policy when risk is substandard and specify applicable endorsements or apply rating to ensure safe profitable distribution of risks, using reference materials.


Review company records to determine amount of insurance in force on single risk or group of closely related risks.


Authorize reinsurance of policy when risk is high.


Assist in training Commercial Lines Underwriters and Underwriter Trainees.


Participate in TFB-administered self-improvement courses.


Report any special problem(s) involving agency force, workflow delay of two or more days, and correspondence from the Texas Department of Insurance and other regulatory agencies to the assigned Commercial Lines Underwriting Manager.


Report, in writing, to the assigned Commercial Lines Underwriting Manager any recommended changes in TFB guidelines and procedures.


Participate in any special projects or research activities as assigned.


Communicate with employees of other departments regarding transactions related to Underwriting.


Comply with the Certified Fleet Operator requirements of the Company Driving and Safety Policy.


Other duties as assigned.


Job Qualifications:

Four-year degree from an accredited college or university.


Experience as an Underwriter.


Completion of AINS “Associate in General Insurance” certificate.


Completion of either:

              AU “Associate in Commercial Underwriting Management” certificate.


              CPCU Part 520 “Insurance Operations.”


Knowledge of basic computer applications, especially Microsoft Office Suite.


Effective interpersonal verbal skills, both face-to-face and over the phone.


Ability to plan, organize, and complete detailed work independently or in a team environment.


Valid Texas driver’s license and driving record at the time of hire which would not place the employee on probation, or disqualify the employee from Certified Fleet Operator Status, under the company Driving and Safety Policy.


Other Job Information (if applicable):

Repeated use of PC, telephone, and office machines.


Extended periods of sitting and concentrating.


Occasional bending, twisting, crouching, pulling, pushing and reaching in an office environment.


Occasional lifting and moving items weighing up to 30 lbs.




Occasional long, irregular work hours.


Travel, as required.


Work to be conducted in office environment owned or leased by company.



REVISED September 2020