Underwriter

Job Summary
We are seeking a dynamic and detail-oriented Underwriter to join our financial services team. In this pivotal role, you will evaluate and assess the risk associated with lending and investment opportunities by analyzing financial data, credit reports, and market trends. Your expertise will help ensure sound decision-making that aligns with our company's risk appetite and strategic goals. The ideal candidate will possess strong analytical skills, a solid understanding of financial concepts, and a proactive approach to risk management. This position offers an exciting opportunity to contribute to the growth and stability of our financial portfolio while developing your professional expertise in underwriting and related disciplines.

Duties

• Conduct comprehensive risk assessments by collecting and analyzing financial data, including cash flow statements, balance sheets, income statements, and credit reports.
• Evaluate loan applications, investment proposals, or insurance policies to determine their viability based on quantitative analysis and financial modeling techniques.
• Perform detailed credit analysis to assess borrower or client creditworthiness, including reviewing credit scores, repayment history, and collateral valuation.
• Utilize advanced financial software tools to facilitate data collection, financial analysis, and reporting processes efficiently.
• Develop and maintain underwriting guidelines that align with industry standards and regulatory requirements.
• Engage in negotiation with clients or brokers to clarify terms, conditions, or pricing strategies that mitigate risk while supporting business objectives.
• Prepare detailed financial reports, summaries, and recommendations for senior management to inform decision-making processes.
• Conduct risk analysis using quantitative research methods to forecast potential outcomes and identify emerging threats such as fraud or default risks.
• Collaborate with cross-functional teams including loan processing, portfolio management, and legal departments to ensure seamless underwriting workflows.
• Stay informed about industry trends in banking, mortgage servicing, and financial services to enhance underwriting practices continually.

Qualifications

• Proven experience in underwriting within banking, mortgage servicing, or financial services environments.
• Strong knowledge of financial concepts such as cash flow analysis, financial modeling, forecasting, and technical accounting principles.
• Demonstrated expertise in credit analysis, risk assessment techniques, and quantitative research methods.
• Proficiency with financial software platforms used for data collection, analysis, and reporting purposes.
• Excellent negotiation skills combined with the ability to communicate complex financial information clearly and effectively.
• Solid understanding of loan origination processes, loan processing procedures, and portfolio management strategies.
• Familiarity with fraud prevention and detection techniques within the context of lending or investment activities.
• Knowledge of tax regulations relevant to finance operations is a plus.
• Strong mathematical skills complemented by analytical thinking for quantitative analysis tasks.
• Ability to interpret financial reports accurately while maintaining attention to detail under tight deadlines.
• A background in banking or finance with relevant certifications or training is highly desirable. Join us as an Underwriter where your expertise will directly influence our company's growth trajectory by making informed decisions rooted in thorough analysis! We value energetic professionals eager to develop their careers in a fast-paced environment committed to excellence in financial risk management.

Job Type: Full-time

Pay: $85,000.00 - $95,000.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

Work Location: In person

Salary : $85,000 - $95,000