Jasmine L. Gaskins
Underwriting Manager, Commercial Lines
Scottsdale, AZ · (480) 555 0117 · name@example.com · linkedin.com/in/jasminelgaskins
Key Qualifications
EXPERIENCE
Fourteen years in commercial underwriting, five in management
INDUSTRIES
Construction, hospitality, wholesale distribution, real estate
SPECIALTIES
Appetite strategy, authority governance, portfolio pricing, underwriting audit
SYSTEMS
Guidewire PolicyCenter, Verisk Touchstone, Power BI, Snowflake, Salesforce
CREDENTIALS
Chartered Property Casualty Underwriter, Associate in Underwriting
EDUCATION
Master of Business Administration, 2020; bachelor of science in finance, 2011
Results at a Glance
104
Across three underwriting
121
Million dollars
17
Percent by rebuilding
88%
Structured pre renewal
Executive Summary
Underwriting manager leading eleven commercial lines underwriters and three assistants across a 168 million dollar southwestern book. Fourteen years in property and casualty, accountable for appetite, authority levels, pricing discipline and the loss ratio delivered against plan each year. Reports segment results to the chief underwriting officer and represents the division in annual reinsurance discussions.
Signature Achievements
- Moved the division combined ratio from 104 to 93 across three underwriting years.
- Grew written premium from 121 to 168 million dollars while holding the loss ratio at 55 percent.
- Lifted the department hit ratio from 17 to 26 percent by rebuilding the appetite guide with distribution input.
- Raised renewal retention to 88 percent through a structured pre renewal review 120 days before expiration.
- Rebuilt the authority matrix, cutting referrals to the home office by 44 percent without loss ratio deterioration.
- Promoted four underwriters into senior roles and reduced team turnover from 29 to 9 percent.
Professional Experience
Underwriting Manager, Commercial Lines
Sonoran Summit Insurance Group, Scottsdale, AZ 2021 to present
Leads eleven underwriters and three assistants across Arizona, Nevada and New Mexico with a 168 million dollar book.
- Owns the annual underwriting plan covering premium, rate, mix and loss ratio targets by segment.
- Sets individual authority levels and audits 60 files a quarter for pricing and documentation quality.
- Chairs the referral committee on accounts above 15 million dollars in total insured value.
- Partners with actuarial and product teams on rate filings and schedule rating plan revisions.
- Manages appointments and production expectations for 130 agencies and four wholesale partners.
Senior Commercial Underwriter
Camelback Ridge Casualty Company, Phoenix, AZ 2016 to 2021
Largest individual book in the branch at 31 million dollars with a 2 million dollar authority.
- Underwrote construction and hospitality package accounts across the southwest.
- Mentored four associate underwriters through their first two years of authority.
- Led the branch adoption of a new catastrophe modeling workflow.
- Presented territory results and rate need to branch leadership every quarter.
- Managed the branch response to a two year construction defect reserve strengthening.
Commercial Underwriter
Verde Basin Mutual Insurance, Tempe, AZ 2011 to 2016
Small and middle market accounts across two territories.
- Handled 1,000 submissions a year and grew the territory 40 percent over five years.
- Earned the Chartered Property Casualty Underwriter designation while carrying a full territory book.
- Served on the working group that rewrote the small commercial appetite guide.
Licensure and Certification
Chartered Property Casualty Underwriter designation, 2015
Associate in Underwriting designation, 2013
Arizona property and casualty producer license
Education
Master of Business Administration, Arizona State University, 2020
Bachelor of Science in finance, Northern Arizona University, 2011
Core Skills
Underwriting leadership · Appetite strategy · Authority governance · Portfolio loss ratio · Underwriting audit · Rate filing support · Catastrophe aggregate management · Distribution management · Talent development · Guidewire PolicyCenter