Bilingual Underwriter - Personal Auto Insurance

Amtex Insurance & Constitution General Agency LLC; South Houston (TX); On-site; USD 55,000 - 75,000; Full time

Job summary

Amtex Insurance & Constitution General Agency LLC is seeking a dependable Underwriter to review and service personal auto policies, assist agents and customers, and process policy changes. You will monitor underwriting exceptions and ensure compliance with guidelines while handling a high volume of calls and tasks.

The ideal candidate is organized, detail-oriented, and capable of identifying underwriting issues that require follow-up or escalation.

Qualifications

• Bilingual in English and Spanish is required.
• High school diploma or equivalent is required.
• Experience in personal auto insurance or underwriting preferred but not required.
• Strong attention to detail and solid organizational skills; ability to manage multiple priorities.
• Basic proficiency with Microsoft Excel, Outlook, and other computer systems.

Responsibilities

• Review new business, renewal, and endorsement exception reports and address outstanding items.
• Review renewal lists and claims renewal reports/spreadsheets.
• Complete underwriting audits and maintain audit tracking.
• Clear suspense items/flags and communicate with agents for missing information.
• Handle cancellation and exclusion calls per guidelines.
• Assist with NSF and payment-related questions; process customer payments when appropriate.
• Respond to calls from agents and policyholders regarding underwriting and policy questions.
• Process endorsements within underwriting authority and guidelines.
• Escalate risks or transactions outside authority to supervisor.
• Maintain documentation of policy activity and follow-up actions.

Skills

Bilingual in English and Spanish

Microsoft Excel

Outlook

Education

High school diploma or equivalent

Tools

Microsoft Excel

Outlook

Job description

Position Summary

We are seeking a dependable, detail-oriented Underwriter to join our insurance team. This position is responsible for reviewing and servicing personal auto policies, assisting agents and customers, processing policy changes, monitoring underwriting exceptions, and helping ensure policies remain compliant with company underwriting guidelines.

The ideal candidate is organized, comfortable handling a high volume of tasks and phone calls, and able to identify underwriting issues that require follow-up or escalation.

Key Responsibilities

• Review new business, renewal, and endorsement exception reports throughout the day and address outstanding underwriting items.
• Review renewal exception lists and claims renewal reports/spreadsheets.
• Complete and assist with underwriting audits and maintain accurate audit tracking.
• Review and clear suspense items/flags and communicate with agents regarding missing information or required corrections.
• Handle cancellation calls and process or assist with cancellation requests according to company guidelines.
• Handle exclusion calls and ensure required documentation is completed accurately.
• Assist with NSF/non-sufficient funds calls and payment-related questions.
• Accept and process customer payments when appropriate.
• Respond to incoming calls from agents and policyholders regarding underwriting and policy questions.
• Process policy endorsements within established underwriting authority and guidelines.
• Review policies for accuracy and identify potential underwriting or compliance concerns.
• Maintain and update underwriting spreadsheets, reports, and tracking logs.
• Review and maintain paperless-discount exception reports and other discount-related reports.
• Generate SR-22 documentation when required.
• Assist with payment reminder calls during slower periods or as business needs require.
• Provide backup support for other underwriting team members when they are absent or workload requires assistance.
• Maintain accurate documentation of policy activity, conversations, decisions, and follow-up actions.
• Escalate risks or transactions that fall outside underwriting authority to the appropriate supervisor or manager.
• Follow established company procedures, underwriting guidelines, carrier requirements, and applicable insurance regulations.
• Perform additional underwriting and administrative duties as assigned.

Qualifications

Bilingual in English and Spanish (required)

High school diploma or equivalent is required. Previous experience in personal auto insurance, underwriting, policy servicing, insurance customer service, or an insurance agency/MGA environment is preferred, but not required.

Candidates should have strong attention to detail, organizational and time-management skills, professional phone and written communication skills, and the ability to manage multiple priorities in a fast-paced environment. Basic proficiency with Microsoft Excel, Outlook, and other computer systems is expected.

What We’re Looking For

The successful candidate should be someone who can work independently while also functioning as part of a team. Because this position involves underwriting decisions and policy servicing, the employee must be comfortable following established guidelines rather than making unauthorized exceptions.

We are particularly looking for someone who is reliable, accountable, coachable, detail-oriented, professional with agents and customers, able to meet deadlines, and willing to assist the team when workloads shift.

Preferred Experience

Experience with personal auto insurance, policy endorsements, cancellations, exclusions, underwriting reports, audits, SR-22s, payment/NSF issues, insurance management systems, and Texas personal auto insurance would be beneficial.

Position Details

Position: Full-Time

Department: Underwriting

Reports To: Underwriting Supervisor

Schedule: 9am to 6pm

Location: In-Office