Commercial Auto Risk Analyst

Navigate Search; California; On-site; USD 70,000 - 110,000; Full time

Job summary

Navigate Search is seeking a Commercial Auto Risk Analyst to support underwriting and risk management for commercial vehicle exposures within a large insurer framework. You will help evaluate risk, inform underwriting decisions, and manage portfolio exposures across accounts insured under Commercial Auto policies.

The role involves analyzing exposure data, loss history, fleet details, and driver profiles, while ensuring compliance with underwriting guidelines and regulatory requirements.

Qualifications

• Experience with commercial auto underwriting and risk analysis.
• Experience with loss data analysis and portfolio risk monitoring.
• Familiarity with regulatory compliance and underwriting guidelines.

Responsibilities

• Assist underwriting teams in evaluating commercial auto accounts using exposure data, loss history, and fleet details.
• Review submissions to ensure risks meet underwriting guidelines and regulatory requirements.
• Coordinate with reinsurance partners to secure coverage for portfolio risks.
• Prepare underwriting information and exposure summaries for reinsurance placement.
• Analyze loss data, trends, and risk metrics to support portfolio decisions.
• Maintain documentation in underwriting systems for compliance and audits.

Skills

Risk analysis

Underwriting

Data-driven decisions

Analytical mindset

Tools

Excel

Word

PowerPoint

Job description

The Commercial Auto Risk Analyst supports underwriting and risk management activities related to commercial vehicle exposures within the Property and Casualty Insurance industry. This role assists in evaluating risk, supporting underwriting decisions, and managing portfolio exposures for accounts insured under Commercial Auto Insurance policies. Working within a large global insurer, the analyst contributes to risk assessment, reinsurance placement, and broker relations while ensuring compliance with applicable Insurance Regulation and company underwriting guidelines.

Responsibilities:

• Assist underwriting teams in evaluating commercial auto accounts by analyzing exposure data, loss history, fleet composition, driver profiles, and operational risk factors.
• Review submissions and supporting documentation to ensure risks meet internal underwriting guidelines and regulatory requirements.
• Support the development of underwriting recommendations by identifying risk characteristics, potential loss drivers, and appropriate risk mitigation strategies.
• Assist in identifying risks that require facultative or treaty reinsurance support.
• Coordinate with reinsurance partners and internal underwriting teams to secure appropriate reinsurance coverage for individual risks or broader commercial auto portfolios.
• Prepare and organize underwriting information, exposure summaries, and loss data required for reinsurance placement and negotiations.
• Maintain documentation related to reinsurance agreements and ensure alignment with internal risk management policies.
• Communicate regularly with insurance agencies, Insurance Brokers, third-party administrators (TPAs), and other insurers regarding account information, underwriting requirements, and risk evaluation outcomes.
• Respond to inquiries related to underwriting submissions, policy terms, and risk management considerations.
• Assist in analyzing commercial auto loss data, claim trends, and risk metrics to support underwriting and portfolio management decisions.
• Prepare reports and summaries related to account performance, risk exposure, and underwriting results for internal stakeholders.
• Maintain accurate documentation within underwriting and risk management systems to support compliance and internal audits.

Requirements:

• Experience with commercial auto underwriting and risk analysis, loss data analysis and portfolio risk monitoring
• Expertise with Regulatory compliance and underwriting guidelines
• Familiarity with Reinsurance coordination and documentation
• Highly proficient with MS Office (Excel, Word, PowerPoint)
• Must be analytical, detail-oriented, and ability to make data-driven decisions