Job Summary:

• Delivery of Existing Business financial plan (including rate carry and retention)
• Underwriting in accordance with PUA and Underwriting Guidelines to meet required profit targets
• Acting as a referral point for lower level PUAs and support in improving Underwriting capability
• Quality sampling and Accreditation checking of work in the Underwriting Centre
• Improving own contribution through active self development
• Deliver quality broker service in line with Broker Segmentation service levels
• Identify, own and handle the risks involved in running business appropriate to my role and in line with the DLG Insurance Risk framework and associated governance frameworks
• Supply to wider business activities, including support to Senior Technical Underwriter

Skills on Resume:

• Financial Planning Hard Skills
• Underwriting Expertise Hard Skills
• Mentorship Soft Skills
• Quality Assurance Hard Skills
• Self-Development Soft Skills
• Broker Service Soft Skills
• Risk Management Hard Skills
• Business Support Soft Skills

Job Summary:

• Underwrite C&I and CRE transactions up to $20MM and work collaboratively with lending team to get deals done.
• Prepare written credit memos for approval by senior credit leadership.
• Exercise awareness of compliance and regulatory rules and requirements.
• Complies with all policies and procedures as applied to the Bank's BSA/AML policy. 
• Underwriting cross class commercial risks both on a New and Existing Business
• Underwriting commercial property & liability risks
• Delivering planned financial results through the effective underwriting of cases
• Contributing to the loss ratio control by effectively adhering to branch UW controls
• Building effective trading relationships with Brokers through trading activity

Skills on Resume:

• Transaction Underwriting (Hard Skills)
• Credit Memos (Hard Skills)
• Regulatory Awareness (Soft Skills)
• Policy Compliance (Hard Skills)
• Commercial Risks (Hard Skills)
• Property & Liability (Hard Skills)
• Financial Results (Hard Skills)
• Broker Relationships (Soft Skills)

Job Summary:

• Take personal responsibility for the broker panel and also provide back-up support to the broader team
• Underwrite personal lines and commodity commercial insurance risks in area of responsibility, adhering to underwriting guidelines and standards.
• Ensure business bound is aligned with divisional objectives and portfolio balance (growth and profit).
• Build and maintain relationships with brokers as well as key stakeholders within Branch and other Allianz divisions, such as Claims, the risk engineers and the product management team.
• Build relationships with a men colleagues and external brokers and insurers
• Review and analyze the creditworthiness of commercial borrower to ensure eligibility, accuracy, and compliance with internal and regulatory guidelines to minimize risk factors.
• Research and analyze financial information, interpret findings for use in loan underwriting decison.
• Analyses will include identifying strengths, weaknesses, providing recommendations, and providing statistics.

Skills on Resume:

• Broker Management (Soft Skills)
• Underwriting (Hard Skills)
• Business Alignment (Hard Skills)
• Stakeholder Relations (Soft Skills)
• Teamwork (Soft Skills)
• Credit Review (Hard Skills)
• Financial Analysis (Hard Skills)
• Risk Analysis (Hard Skills)

Job Summary:

• Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
• Prepare timely, high quality credit analysis and recommendations that accurately describe the transaction along with risk and mitigating factors associated with the loan request.
• For real estate transactions, in-depth understanding of property operating statements, leases, rent rolls, real estate schedules and the ability to perform detailed cash flow analysis using CRE templates. 
• Ability to perform stress testing scenarios on construction projects and stabilized income producing real estate properties.
• Prepare detailed analysis of historical property operations to make informed decisions about future performance.
• For C&I transactions, ability to understand cash flow cycles, conduct sensitivity analysis, evaluate Borrower’s cash flow and its ability to provide adequate debt coverage for the proposed transactions as well as determine cushions of protections.
• Utilize financial spreading software as well as other financial analysis tools to evaluate borrower’s cash flow and determine adequacy of the borrower’s primary and secondary repayment sources.
• Research and investigate applicable market data using industry related tools such as Co Star and Vertical IQ.
• Analyzing and interpreting all levels of financial statement quality.
• Analyze complex personal financial statements and personal tax returns of sponsors/guarantors as well as contingent debt. 

Skills on Resume:

• Credit Analysis (Hard Skills)
• Risk Mitigation (Hard Skills)
• Real Estate Analysis (Hard Skills)
• Stress Testing (Hard Skills)
• Historical Analysis (Hard Skills)
• Cash Flow Evaluation (Hard Skills)
• Financial Tools (Hard Skills)
• Market Research (Hard Skills)

Job Summary:

• Provide commercial loan underwriting support with new and renewal transactions  
• Assist Relationship Managers in determining level of interest for new credit opportunities and in structuring new credits to be submitted for approval
• Prepare comprehensive Credit Memos on loan transactions, to be submitted for approval
• Complete Credit Memos with appropriate supporting information including loan structure/pricing analysis, borrower history/experience assessment, historical and projected financial statements spreadsheets, tax return analysis, credit report review, collateral evaluation, and repayment/risk analysis
• Assign risk rating based on risk rating metrics and Bank loan policy.
• Monitor and measure financial covenants as well as Borrower operating performance. 
• Assist loan officers with preparation of loan presentations for Executive and Board Loan Committees.
• Perform routine annual reviews of relationships within assigned portfolio. 
• Attend client meetings, as appropriate, to support underwriting request.

Skills on Resume:

• Loan Underwriting (Hard Skills)
• Credit Structuring (Hard Skills)
• Credit Memo Preparation (Hard Skills)
• Risk Rating (Hard Skills)
• Covenant Monitoring (Hard Skills)
• Loan Presentations (Soft Skills)
• Annual Reviews (Hard Skills)
• Client Support (Soft Skills)

Job Summary:

• Working as a Commercial New Business Underwriter based within the Commercial New Business Division 
• Responsible for supporting accounts by dealing with clients from inception to completion working alongside Account Executives and Directors.
• Following up on new and existing renewal business quotations and lending support to other Account Brokers. 
• Working on the New Business team – upselling, cross-selling and enhancing business growth policies.
• Responsible underwriting complex UK Commercial risks under a binding Authorities – dealing with rates and writing of Commercial risks. 
• Other duties will include assisting with renewal process including the preparation of submissions and the gathering of information, dealing with Insurer queries, confirming cover, process policies and chasing up outstanding documentation
• Preparing documentation for customers in relation to their insurance requirements in partnership with the Account Executives and senior staff. 
• Other responsibilities include the preparation of all technical documentation

Skills on Resume:

• New Business Underwriting (Hard Skills)
• Client Management (Soft Skills)
• Renewal Support (Hard Skills)
• Sales Growth (Soft Skills)
• Risk Underwriting (Hard Skills)
• Policy Preparation (Hard Skills)
• Documentation (Hard Skills)
• Team Collaboration (Soft Skills)

Job Summary:

• Ability to conduct in-depth review of balance sheet, income statement, other financial information, tax returns, business plans and projections to determine, independently that the borrower can generate income and cash flow sufficient to repay existing and proposed debt.
• Takes initiative to independently prepare well written approval presentations with minimal supervision, including what is being requested, why it is being requested, the business and/or industry involved, the background and history of the business, risk and mitigating factors. 
• Seeks out more complicated transaction to gain a wider understanding.
• Pays attention to market trends and notes important changes in order to understand potential risks.
• Assist in developing rotational analysts (LEADs) and new team members by providing training and answering questions.
• Actively assisting with special projects as workflow allows.
• Completes tasks on a timely basis relative to receipt of information.
• Maintain a network of financial and legal professional contacts.
• Actively participates in discussion on team calls.

Skills on Resume:

• Financial Analysis (Hard Skills)
• Approval Presentations (Hard Skills)
• Complex Transactions (Hard Skills)
• Market Awareness (Soft Skills)
• Training Development (Soft Skills)
• Project Assistance (Soft Skills)
• Timely Task Completion (Soft Skills)
• Professional Networking (Soft Skills)

Job Summary:

• Provide world class service to agents and policyholders.
• Exhibit solid knowledge of the P & C insurance industry to lead effective and efficient business planning, implementation, and achievement of profit and growth objectives.
• Develop and nurture superior business relationships with Producers and Policyholders.
• Achieve profitable underwriting results.
• Maintain adequate controls to ensure compliance with consumer protection statutes/regulations in a defined area of responsibility
• Accompany Commercial RMs on client and/or prospect calls in conjunction with completion of the underwriting and portfolio management process of Commercial Banking loans.
• May function as a Team Lead to underwriters in remote locations.
• Participate in all required training for compliance

Skills on Resume:

• Customer Service (Soft Skills)
• Industry Knowledge (Hard Skills)
• Relationship Building (Soft Skills)
• Profitable Underwriting (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Client Calls (Soft Skills)
• Team Leadership (Soft Skills)
• Training Participation (Soft Skills)

Job Summary:

• Provide support to underwriters in accordance with agreed service levels
• Prepare underwriting presentations for supporting carrier authorisation and sign off
• Liaise with partners in relation to the management of the portfolio
• Liaise with insurers across the portfolio to prepare and complete the pre underwriting process prior to submission to supporting carriers
• Work with the servicing team to manage the renewals and new business process for business
• Liaise with claims management partners to ensure correct management information relating to loss ratio performance
• Using proven analytical skills to provide statistics on some of the more difficult cases.
• Provides analytical and credit support, in accordance with loan policies and procedures, to the Commercial Services department.
• Analyzes and evaluates prospective and current borrowers to maintain a sound loan portfolio. 
• Provides recommendations noting any deviations from commercial loan policy and procedures. 

Skills on Resume:

• Underwriting Support (Hard Skills)
• Presentation Preparation (Hard Skills)
• Portfolio Management (Hard Skills)
• Pre-Underwriting (Hard Skills)
• Renewals Management (Hard Skills)
• Claims Coordination (Soft Skills)
• Analytical Skills (Hard Skills)
• Credit Analysis (Hard Skills)

Job Summary:

• Input and understanding of property rent rolls, leases, and operating statements
• Review and understanding of borrower credit, including credit report, personal, and business financial statements, personal and business tax returns, and schedule of real estate owned
• Review borrower organizational documents and accurately present the borrower structure along with Guarantors in the Narrative
• Review and understanding of preliminary title report
• Analyze loans to assess the strengths and weaknesses of a transaction and recommend mitigating factors
• Function as a problem solver (with the assistance of the Team Leader and Manager)
• Contact/communicate with Commercial Relationship Managers and their assistants to discuss issues and outstanding documentation
• Prepare Letter of Interest for new loans
• Review due diligence needs lists prepared by processor
• Identify and summarize all file conditions on the Loan Credit Memorandum in order to ensure smooth documentation and closing
• Participate as a proactive member of the credit administration team, from the start of a loan all the way through closing
• Provide training to processors and commercial credit analysts 

Skills on Resume:

• Property Analysis (Hard Skills)
• Credit Review (Hard Skills)
• Organizational Review (Hard Skills)
• Title Report Analysis (Hard Skills)
• Loan Assessment (Hard Skills)
• Problem Solving (Soft Skills)
• Communication (Soft Skills)
• Training (Soft Skills)

Job Summary:

• Underwrite and review nontraditional bank financing transactions ranging in size from $200,000 to $5,000,000
• Prepare and present loan approval packages to loan committee
• Fully understand the procedural aspect of commercial lending, including origination, underwriting, closing, & servicing
• Review and provide written analysis of financial statements, tax returns and cash flow statements from prospective clients
• Review and provide analysis of third party reports, such as appraisals, environmental and construction schedules
• Work and collaborate with the loan origination team to develop loan structure to meet the client’s objectives
• Communicate effectively with borrowing clients to service loan portfolio and monitor performance
• Identify potential enhancements to improve credit and reduce risk for the loan(s) and the portfolio
• Prepare, review, and lead the Underwriting due diligence process and ensure timely completion of internal approval documents.
• Collaborate with other departments to corroborate or collect information related to commercial lending decisions.

Skills on Resume:

• Transaction Underwriting (Hard Skills)
• Loan Approval (Hard Skills)
• Commercial Lending (Hard Skills)
• Financial Analysis (Hard Skills)
• Third-Party Reports (Hard Skills)
• Loan Structuring (Hard Skills)
• Client Communication (Soft Skills)
• Risk Management (Hard Skills)

Job Summary:

• Spreads financials and / or projections for both Company and Personal borrowers /guarantors. 
• Creates or modifies financial projections for borrowers / guarantors 
• Reviews both company and personal financial statements annual or as needed for risk trends and potential changes to the risk profile.
• Creates Finance Requests for new loans and renewals in the Commercial Leading system (iCl or iFOCUS). 
• Engages PM and Loan Closing Officer (LCO) when a new loan Finance Request is initiated.
• Writes the credit analysis memo and inputs information into the respective commercial lending system with the draft memo mostly or fully complete before providing it to the PM and RM for review. 
• Keeps PM and RM up to date on status of credits, outstanding questions, etc.
• Monitors Stale Grades Report and performs new grading as warranted. 
• Monitors Covenants and performs testing for compliance with said covenants. 

Skills on Resume:

• Financial Spreading (Hard Skills)
• Projection Creation (Hard Skills)
• Risk Assessment (Hard Skills)
• Loan Processing (Hard Skills)
• Team Collaboration (Soft Skills)
• Credit Analysis (Hard Skills)
• Status Reporting (Soft Skills)
• Covenant Monitoring (Hard Skills)

Job Summary:

• Monitors maturing report to assist with coordination of workflow. 
• Monitors past due Covenant Report and engages the PM/RM where necessary or if there is an issue.
• Performs industry research (IBIS World or similar) and may perform industry monitoring where the portfolio has an industry concentration.
• Participates in some client visits with the RM/PM. 
• Sits in on Meetings with Credit Officer
• Listens to quarterly earnings calls and/or monitors call transcripts for additional information to include in the ongoing analysis (in addition to RM and PM). 
• Participates in lead bank conference calls for deal launches and ongoing monitoring.
• Working knowledge of credit underwriting methodology and analytical abilities.

Skills on Resume:

• Workflow Coordination (Soft Skills)
• Covenant Monitoring (Hard Skills)
• Industry Research (Hard Skills)
• Client Visits (Soft Skills)
• Meeting Participation (Soft Skills)
• Earnings Analysis (Hard Skills)
• Conference Calls (Soft Skills)
• Credit Underwriting (Hard Skills)

Job Summary:

• Contribute towards the companies aim of becoming a leading specialist underwriting agency' in their chosen niche specialisms.
• Use industry knowledge and experience to work with brokers, insurers and staff 
• Delivering appropriate and competitive insurance terms, conditions and service levels.
• Utilising relevant insurance products, underwriting systems guidelines to deliver insurer and the companies’ requirements.
• Providing appropriate management information
• Contributing to team activity in line with service level standards, business plans and budgets.
• Liaising with brokers and insurers in terms of coverage and pricing
• Dealing with New Business, Renewal and MTA’s - In line with the agreed underwriting guidelines.

Skills on Resume:

• Specialist Underwriting (Hard Skills)
• Industry Collaboration (Soft Skills)
• Insurance Terms (Hard Skills)
• Underwriting Systems (Hard Skills)
• Management Information (Hard Skills)
• Team Coordination (Soft Skills)
• Coverage Negotiation (Soft Skills)
• Policy Processing (Hard Skills)