Underwriting Officer Resume Samples

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M Labadie

Myrl

Labadie

855 Rafaela Turnpike

Dallas

+1 (555) 687 3732

855 Rafaela Turnpike

Dallas

Phone

p +1 (555) 687 3732

Experience Experience

Houston, TX

Underwriting Officer

Houston, TX

McDermott, Rowe and Vandervort

Houston, TX

Underwriting Officer

Proactive and can offer solutions to improve works
Assists other members of the department including Underwriters, Associate Underwriters in product line and/or technical knowledge and development
Performs related duties as requested to include, report preparation, presentations, and special projects to assist in ensuring the success of the product line unit
Provides significant input to the development of marketing plans, product analysis, services, geographic focus and broker intelligence. May review, evaluate and recommend modifications to underwriting guidelines
Underwrites targeted new and renewal business of complex accounts by reviewing and analyzing insured's (or prospective insured's) loss history, financials, and other pertinent information
Establishes and maintains relationships to facilitate marketing of LIU products and services to the brokerage community. Makes independent sales calls to market and cross market
Support and assist the department to develop agency model – handling clean cases underwriting

Detroit, MI

Senior Underwriting Officer

Detroit, MI

Beahan, Krajcik and Kessler

Detroit, MI

Senior Underwriting Officer

Exercises independent judgment allowing for minimal supervision of work functions while working directly with Lending Manager(s)
Provides information and assistance to loan applicants, and interacts with CPA’s, financial advisors and other parties to the transaction when necessary
Annually monitors the financial position of large dollar established accounts, and brings irregularities to the attention of management
Coordinates the approval of underwriting conditions; performs review of the file prior to closing
Initiates policies as dictated by management
Performs other duties and responsibilities as assigned
Makes decisions and recommendations affecting efficiency, budgets or other matters involving costs or earnings

present

Detroit, MI

Chief Underwriting Officer

Detroit, MI

Krajcik, Lowe and Zemlak

present

Detroit, MI

Chief Underwriting Officer

present

Promotes an environment of continuous improvement, collaboration and partnership applies to improve customer relationships, quality and work processes
Work with APAC Heads of Property, Casualty and Specialty, local Underwriting Managers and LoB Heads to align strategies, tactical plans and performance
Provides mentoring and professional development for chief underwriters, and oversees the professional development of their team members
Provides overall direction for underwriting authority delegation, audit criteria and catastrophe management for area of responsibility
Contribute to the development of broader business goals, including new program development, through underwriting expertise
Develops and implements long and short term underwriting strategies to effectively position products, programs and/or services to the business
Evaluates underwriting performance based on financial analysis. Includes rate, reserve adequacy, operational, planning and product reviews

Education Education

Bachelor’s Degree in Finance

University of California, Santa Barbara

Bachelor’s Degree in Finance

Skills Skills

Have leadership qualities leading to team building, knowledge dissemination and passion for good corporate governance. Possesses ability to design and implement Reinsurance Protection Programs (Prop & non-Prop) Possesses Negotiation skills, Business Development and Client Relationship Management attributes. Handling business/cession from Primary Insurance Cos operating in India/Abroad. Have familiarity with use of Pricing Application, Catastrophe Model, ERM software etc. relevant to the underwriting function
Have demonstrable skills in setting up Underwriting System with concomitant ability to define procedures and processes, implement procedural controls both in Underwriting and Claims
Quality Underwriting skills, Fair knowledge of the Domestic and Global Reinsurance markets, should be familiar with best practices in Underwriting of Treaties both Prop and Non-Prop, Facultative business Property, Casualty and Liability Lines of Businesses
A good listener and a good diplomat
Extensive knowledge of competitors’ products pricing and rate classification structure, and an understanding of how TC Life products compare to competitors products and services
Extensive knowledge and experience with underwriting services spanning risk classification, quality and audit results of risk decisions, research and development, claims and reinsurance administration
Strong customer focus and ability to consult with a broad stakeholder group
Knowledge of predictive analytics and big data tools
Knowledge of tools used for underwriting evaluation and risk classification
Able to influence and impact regardless formal structure set up

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15 Underwriting Officer resume templates

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Senior Consumer Loan Underwriting Officer Resume Examples & Samples

Demonstrates knowledge and understanding of consumer credit underwriting including Ability to Repay Rules
Demonstrates ability to analyze risk, calculate ratios, and forecast trends
Demonstrates advanced knowledge in RESPA, 1003 loan applications, 1008 loan underwriting summary, and HUD settlement statement
Demonstrates ability to read and interpret consumer credit reports, financial statements, and tax returns
Demonstrates ability to assist in the development of credit policies, procedures, programs and staff
Demonstrates ability to be a strategic thinker and leverage experience with automation to obtain and implement efficient work flow processes
Demonstrates exceptional time management, organizational and decision-making skills
Demonstrates ability to multi-task in a face-paced high volume work environment
Demonstrates strong verbal and written communication skills(internal and external customers)
Demonstrates ability to self start with the ability to quickly and accurately complete assigned tasks
Demonstrates strong MicroSoft skills (Word, Excel, PowerPoint, Outlook)
Demonstrates strong customer service skills and a high degree of diplomacy, tact and salesmanship
Demonstrates ability to present a professional appearance and attitude
Demonstrates strong problem solving abilities and an aptitude for numbers
Demonstrates advanced knowledge of Microsoft Access and Excel
Demonstrates advanced knowledge interpreting federal tax returns, schedule c, e, & f
Demonstrates advanced knowledge interpreting corporate, S corporation, and partnership tax returns
Demonstrates extensive knowledge in interpreting consumer real estate appraisals

Chief Underwriting Officer Resume Examples & Samples

The Chief Underwriting Officer will have 3 direct reports
Chief Underwriter for Retail distribution
Chief Underwriter for M Financial distribution
Medical Director
Develops long term underwriting strategies and philosophies for the company, and sets specific goals and policies for underwriting operations
Contributes to marketing and distribution strategies for the company
Provides mentoring and professional development for chief underwriters, and oversees the professional development of their team members
Consults on a full spectrum of underwriting activities and processes for the company
Leads discussions on the underwriting marketplace and regulatory trends with industry experts
Responsibility for the associated underwriting expenses for all distribution lines
Ensuring TC Life’s underwriting policies and procedures remain current with evolving regulations issued by state and federal mandates
15+ years of life insurance underwriting experience
Superior interpersonal and communication skills
Negotiating abilities with reinsurance partners, auditors, and state examinations
Certified in normal EKG interpretations
Professional underwriter development and management experience
Extensive knowledge and experience with underwriting services spanning risk classification, quality and audit results of risk decisions, research and development, claims and reinsurance administration
Knowledge of tools used for underwriting evaluation and risk classification
Knowledge of predictive analytics and big data tools
Extensive knowledge of competitors’ products pricing and rate classification structure, and an understanding of how TC Life products compare to competitors products and services
Required Licenses/Certifications
FALU- Fellow, Academy of Life Underwriting
FLMI – Fellow, Life Management Institute
CLU – Chartered Life Underwriter

Chief Underwriting Officer Resume Examples & Samples

Excellent analytical, problem solving, presentation, collaboration, negotiation, and oral and written communication skills required
Experience leading an Underwriting Operation
Bachelor's degree or equivalent experience required, with MBA preferred

Chief Underwriting Officer Resume Examples & Samples

Create, lead and direct strategy for the FEI Programs underwriting platform to achieve operational and financial goals
Effectively administer carrier underwriting guidelines, including rate and form filings; achieve carrier profitability targets
Set priorities, targets and standards (metrics) for underwriting Programs; review and evaluate the performance; provide feedback and calibrate as needed
Maintain high levels of internal and external client contact to generate growth opportunities in collaboration with Program Managers and individual underwriters; attend association meetings, trade shows and conventions as necessary
Build strong partnerships with stakeholders across the business unit in order to improve collaboration, identify opportunities to improve services and ensure client satisfaction
Lead, inspire, motivate and develop a large, diverse team of underwriting professionals to maximize their performance, productivity and enhance the client experience
Bachelor’s degree or equivalent experience, MBA preferred; undergraduate degree in environmental science, engineering, math, statistics or actuarial science desired
Deep expertise across a variety of risk, insurance and reinsurance products/services; environmental insurance, extensive commercial insurance knowledge
Deep expertise across a broad range of underwriting techniques and methods
Excellent relationship management skills
Substantial management experience, including at senior levels; high quality coaching skills
Proficient with office technology tools
Experience developing functional strategy and cascading broader business strategy to the underwriting teams
Eight to ten years underwriting management experience

Senior Underwriting Officer Resume Examples & Samples

Underwrites credit package and prepares recommendation for presentation to Loan Committee, ensuring compliance with Raymond James Bank, state, federal and, if applicable, agency and investor guidelines
Maintains knowledge of Raymond James Bank loan programs, as well as secondary market investors’ underwriting/documentation requirements
May interact with Lending Manager(s) on due diligence with files purchased on the secondary market
Makes decisions and recommendations affecting efficiency, budgets or other matters involving costs or earnings
Review and analyze procedures for more efficient and cost effective ways of handling the workflow. Determine needed changes and implement and communicate changes to Supervisor/Manager. Communicate information concerning department issues to management
Provides information and assistance to loan applicants, and interacts with CPA’s, financial advisors and other parties to the transaction when necessary
Perform day to day monitoring of workflow of the underwriting department ensuring good relationships with customers, sales, support staff and vendors to ensure expectations are exceeded
Assist with onboarding of new associates, and help oversee an efficient and knowledgeable staff through coaching, mentoring, and personal leadership
Keep management apprised of developments as they relate to personnel, workflow and special projects. Communicate and coordinate changes in policy and procedures that affect other departments
FNMA Desktop Underwriting
Critical thinking, problem solving, creativity
Organizational skills, including a high level of accuracy and attention to detail
High School Diploma and a minimum of seven (7) years of residential mortgage and consumer underwriting experience

Underwriting Officer, E&S Property Resume Examples & Samples

Reviews and negotiates policy terms and conditions
Assists other members of the department including Underwriters, Associate Underwriters in product line and/or technical knowledge and development
Performs related duties as requested to include, report preparation, presentations, and special projects to assist in ensuring the success of the product line unit
Have established relationships with Wholesale Brokers on a national level
Requires an advanced knowledge of underwriting concepts, practices, procedures and techniques, including, but not limited to coverage issues, product lines, marketing, computers and product competition within the marketplace
The ability to effectively interact with brokers and internal departments is also required
Strong verbal and written communications
Strong negotiation, analytical and decision making skills also required

Chief Underwriting Officer Resume Examples & Samples

Leads a high-performing underwriting organization through effective selection, development, and employee engagement; drives the clarity of business strategies/operating objectives and creates alignment
Drives the development of challenging business plans reflective of the competitive environment; aggressively monitors results adjusting strategies and tactics to maximize profit while balancing growth
Ensures the organization develops and maintains successful relationships with agents and brokers by providing stewardship with service partners, including initial setup of service commitments, and regular visits
Ensures the achievement of continued profitability, growth and/or operational efficiencies for division through assessment of risk tolerance, market appetite and emerging risk issues
Evaluates underwriting performance based on financial analysis. Includes rate, reserve adequacy, operational, planning and product reviews
Provides overall direction for underwriting authority delegation, audit criteria and catastrophe management for area of responsibility
Promotes an environment of continuous improvement, collaboration and partnership applies to improve customer relationships, quality and work processes
Contributes to the development of strategic marketing initiatives. Enhances and maintains Liberty presence with the brokerage community by solidifying key relationships

Underwriting Officer Resume Examples & Samples

Establishes and maintains relationships to facilitate marketing of LIU products and services to the brokerage community. Makes independent sales calls to market and cross market
Underwrites targeted new and renewal business of complex accounts by reviewing and analyzing insured's (or prospective insured's) loss history, financials, and other pertinent information
Provides significant input to the development of marketing plans, product analysis, services, geographic focus and broker intelligence. May review, evaluate and recommend modifications to underwriting guidelines
Communicates with other product line underwriters and claims analysts in order to provide top level customer service
Bachelor's or advanced degree or equivalent; 10+ years underwriting experience
Requires advanced knowledge of underwriting concepts, practices, and procedures
At least 5 years experience underwriting highly technical risks
Exceptional strategic and marketing capabilities
Exceptional ability to effectively interact with brokers and internal departments in relationship-building/maintenance
Superior verbal and written communications skills
Highest level of negotiation, analytical, and decision making skills are also required

Private Wealth Senior Underwriting Officer Resume Examples & Samples

References will be requested*
Makes loan decisions for residential and consumer lending applications up to the loan amount authority established by the Board of Directors
Manage the mortgage application process from start to finish for Private Bankers and their high net worth clients
Underwrites credit package and prepares recommendations on loans outside of approval authority
Ensures compliance with Raymond James Bank, state, federal and (if applicable) agency and investor guidelines
Educates Financial Advisors, Private Bankers and their high net worth clients regarding residential mortgage loan transactions, their deal structures and documentation requirements
Maintains knowledge of Raymond James Bank loan programs as well as secondary market investors’ underwriting and documentation requirements
Makes deal structure recommendations to high net worth clients in a calm and professional manner. Works to identify alternatives when necessary in order to exceed expectations of clients throughout the process
Establishes strong relationships and gains the trust of Financial Advisors, Mortgage Consultants and their high net worth clients
Interacts professionally with clients, associates and Financial Advisors to provide professional customer service upholding the Service 1st philosophy
Analyzes tax returns, financial statements and reviews of Title Commitments
Works directly with Lending Manager(s) while exercising independent judgement of work functions. May interact with Lending Manager(s) on due diligence with files purchased on the secondary market
Communicates directly with high net worth clients to address and resolve escalated issues and/or concerns
Reviews and analyzes procedures for more efficient and cost effective ways of handling the workflow
Initiates policies as dictated by management
Performs day-to-day monitoring of workflow while maintaining good relationships with customers, sales, support staff and vendors in order to exceed expectations
May assist with onboarding new associates and oversee an efficient and knowledgeable staff through coaching, mentoring, and personal leadership
Keeps management apprised of developments as they relate to personnel, workflow and special projects. Communicates and coordinates changes in policy and procedures that affect other departments
Underwriting regulations and policies, creditor financial analysis techniques, investor requirements and processes
Advanced knowledge of self-employed income analysis
The appraisal, credit report, income, title and insurance documentation processes
Unique vestings such as irrevocable, trust and property in corporate entities
Prior credit authority delegation preferred
Commercial credit experience preferred
Principles, practices, concepts and procedures of underwriting, mortgages, banking and financial markets and products
Critical thinking, problem solving and creativity
Providing a high level of service in the spirit of Raymond James’ Service 1st commitment
Organizational skills including a high level of accuracy and attention to detail
Effective oral and written communications to convey details on various mortgage loan products and processes
Build strong and productive relationships with Financial Advisors, Mortgage Consultants and their high net worth clients
Demonstrate positive initiative, leadership and poise working in a fast-paced environment
Articulate reasons behind decisions. Clearly communicate regarding decisions, changes, and other relevant information
Organize, manage, and track multiple detailed tasks and assignments with frequently changing priorities and deadlines
Present effectively and informatively
Maintain a high level of integrity and confidentiality
Conduct transactions for high profile and high net worth clients
Research and analyze financial statements, perform complex tax return analysis, interpret findings and prepare reports of financial position and credit worthiness
Bachelor’s degree in finance, accounting or business administration and a minimum of ten (10) years of residential mortgage and consumer underwriting experience, with at least three (3) of those years working with high net worth clients

Private Wealth Underwriting Officer Resume Examples & Samples

Underwrites credit package and approves residential and retail loan applications up to the loan amount authority established by the board of directors
Underwrites loans collateralized by marketable securities
Underwrites Letters of Credit
Underwrites credit package and prepares recommendation for presentation to loan committee, ensuring compliance with Raymond James Bank, state, federal and, if applicable, agency and investor guidelines
Periodically interacts with clients, associates and Financial Advisors to provide professional client service upholding the Service 1st philosophy
Coordinates the approval of underwriting conditions; performs review and approval of the file prior to closing
Analysis of tax returns, financial statements and review of title commitments
Exercises independent judgment allowing for minimal supervision of work functions while working directly with Lending Manager(s)
Underwriting guidelines, national multi-state federal and state lending laws, and portfolio residential lending
Letters of credit regulatory underwriting standards
Effective oral and written communications sufficient to convey details on retail loan products and processes
Conduct analysis including basic math, competency with decimals and fractions

Chief Underwriting Officer Resume Examples & Samples

The role requires an individual who can operate at a strategic and operational level as required and deal with complexity in terms of subject matter and broad geographic scope
Through excellent and frequent co-operation with the Internationals Management Boards, the role will drive the design and delivery of an underwriting programme in accordance with the international strategy
If successful this role will be responsible for building and embedding sustainable capabilities (process, people, reporting and behaviours) that significantly upgrade our underwriting capability in support of our financial goals
In addition, the role will be expected to liaise internally and externally to ensure that best practices in Life and Non-Life underwriting are understood and drive capability improvement
Responsible for the planning, management and delivery of Insurance International Underwriting Programme in an efficient and effective manner
Provide structure and process to ensure international businesses have underwriting capability improvement plans in place
Provide thought leadership, to shape, improve and deploy enhanced underwriting tools and techniques
Lead shared underwriting capabilities and services that may be developed over time
Provide support to the business unit management boards to continuously improve underwriting capability
Secondary/professional insurance qualification (e.g. CII association/fellowship)
Minimum of 6 years of progressively responsible experience in Life Insurance
Operational and leadership experience in Life Underwriting and Pricing
Proven track record in delivering organisational change in underwriting
Leadership and communications experience at a senior executive level
Strong customer focus and ability to consult with a broad stakeholder group
Strong audit, research, analytical and problem solving skills
Ability to persuade, negotiate and influence at all levels
Ability to apply discretion and initiative in dealing with complex issues
Empathy with different cultures
A good listener and a good diplomat
Customer orientation
Change leader
Developing relationships and driving execution for results
Managerial capability
Global and Financial Acumen
Open minded, well-organized and with strong sense of responsibility
Able to influence and impact regardless formal structure set up

Mortgage Underwriting Officer Resume Examples & Samples

Underwrites mortgage loans in compliance with bank and investor credit guidelines
Prepares initial and final loan decisions and signs off on loan conditions within designated timeframes
Ensures compliance with Bank, regulatory and credit requirements with emphasis on quality customer service while adhering to given deadlines
Assists mortgage loan originators in understanding loan conditions
Issues prequalification letters as requested by the mortgage loan originators
College graduate with major in accounting or business preferred
5-7 years mortgage lending and banking experience with good knowledge of lending regulations and credit/collateral analysis practices. Specific experience with Freddie Mac underwriting guidelines required
PC proficient. Good verbal and written communication skills. Bilingual a plus
Organized and detail oriented. Able to develop working knowledge of Bank’s credit underwriting policies and approval process for assigned loans. Ability to analyze complex credit transactions. Ability to work effectively in a fast paced, high production environment. Strong financial analysis and accounting skills

Senior Mortgage Underwriting Officer Resume Examples & Samples

Underwrites credit package and makes loan decisions for residential and consumer lending applications up to the loan amount authority established by the board of directors
Reviews and analyzes real estate appraisals for acceptance in connection with residential loan transactions
Obtains, prepares, and reviews documents for origination and processing phases of residential loans
Coordinates the approval of underwriting conditions; performs review of the file prior to closing
Analysis of tax returns, financial statements and review of Title Commitments
Communicates with correspondent lenders as to guideline exceptions
Interacts with liaisons with Mortgage Insurance companies as to approval of high loan-to-value loans
Annually monitors the financial position of large dollar established accounts, and brings irregularities to the attention of management
Performs or supervises activities requiring knowledge of technical, specialized or professional skills
FNMA and FHLMC underwriting guidelines, national multi-state federal and state lending laws, and portfolio residential lending
FHA underwriting
Effective oral and written communications sufficient to convey details on various mortgage loan products and processes
Word processing, spreadsheet and typing sufficient to produce spreadsheets with basic formulas and business form letters and memos
Research and analyze financial statements, complex tax return analysis, interprets findings and prepares reports of financial position and credit worthiness

Senior Underwriting Officer Resume Examples & Samples

Review the strength and experience of obligors, transaction terms and ability to structure large transactions typically ranging over $2 million
Prepare financial statement spreads and review the adequacy of supporting financial information; obtain additional and/or more current financial data as necessary
Review the appropriateness of risk ratings and approve transactions within assigned credit authority
Prepare comprehensive write ups covering all aspects of risk elements, obligor, credit profile, etc
Demonstrated experience with financial statement analysis, cash flow analysis and financial ratios
Bachelor’s Degree or equivalent work experience required

Chief Underwriting Officer Resume Examples & Samples

Proactive in marketing Company’s appetite and presence; develop new business opportunities, take part in marketing initiatives; follow up financial results and performance metrics and escalate issues as required
Contributes to the direction of the portfolio with the aim to achieve the business plan targets and other goals; a particular attention will be kept on targeted loss ratios as well as providing input relevant to proactive cycle management
Build strong trading relationships with all key brokers and clients; assume sales leadership to be individual risk port of call for key broker/cedant placing teams
Follow relevant procedures and guidelines and ensure compliance with Group and Regional Underwriting Guidelines and appropriate local requirements as well as with other external legal and regulatory requirements
Business reporting according to requirements (portfolio and risk analysis, benchmarking information); proactively communicate market intelligence
Management of the Company’s underwriting department inclusive of the various teams
Ascertain top quality and best practice underwriting according to Company’s standards and guidelines. In particular, ensure that
All risks written by the team are within the normal XL Catlin underwriting criteria and maximum line allowable under the underwriting authorities (UWA)
Aggregate exposure is recorded and within limits prescribed in personal and office UWA
Prompt handover to claims team of all claims advised, supporting and providing input on settlement of claims, as required; be aware of the guidelines in place and reporting protocols to follow. In the event of a Nat Cat event or large loss, assessment and reporting is performed as per up to date; ensure new products and initiatives / Policy enhancements are promptly communicated to claims for planning / coverage evaluation purposes
Adhesion to XL Catlin policies and procedures as detailed in the latest available Employee Handbook and Group policies. This also includes the prompt notification to the CEO and/or CFO of any change in circumstances including, but not limited to, personal financial irregularities, criminal convictions, fitness and propriety for the role. Address any failure to comply with expected underwriting standards
10 - 15 years of Total experience required in all for Property, Non Property, all commercial line products Majorly into Reinsurance
Desired profile would be with Minimum 12-15 years experience in Underwriting, General Reinsurance Underwriting, preferably from Reinsurance Companies
Quality Underwriting skills, Fair knowledge of the Domestic and Global Reinsurance markets, should be familiar with best practices in Underwriting of Treaties both Prop and Non-Prop, Facultative business Property, Casualty and Liability Lines of Businesses
Have demonstrable skills in setting up Underwriting System with concomitant ability to define procedures and processes, implement procedural controls both in Underwriting and Claims
Have a proven track record of Handling Inward Business as well as Protection Programs
Have leadership qualities leading to team building, knowledge dissemination and passion for good corporate governance. Possesses ability to design and implement Reinsurance Protection Programs (Prop & non-Prop) Possesses Negotiation skills, Business Development and Client Relationship Management attributes. Handling business/cession from Primary Insurance Cos operating in India/Abroad. Have familiarity with use of Pricing Application, Catastrophe Model, ERM software etc. relevant to the underwriting function
Possess Ability to handle Regulatory Compliance and related matters. Be amenable to travel locally as well as internationally as per business needs

Chief Underwriting Officer Resume Examples & Samples

Develops and implements long and short term underwriting strategies to effectively position products, programs and/or services to the business
Establishes underwriting policies and standards to support the business strategies, development of products, services and/or new programs (i.e., research and identify target business, competitor information, analyze industry and economic factors, etc.)
Participates/leads in BUs strategic businesses planning to ensure the underwriting philosophy and practices for the business unit are consistent with the goals
Drives national underwriting strategy based on sound analysis of financial trends, territorial needs and marketplace dynamics
Bachelor's degree CIP/FCIP 1
15+ years of underwriting experience
Ability to lead a team that delivers results and influence cross-functionally. Ability to attract, grow, and coach top talent to achieve business success

Underwriting Officer & Team Leader Resume Examples & Samples

Train, lead and motivate underwriters on the Underwriting Team
Ensure that all loans are underwritten and decisioned according to established SLAs
Resolve escalations on individual loans on a daily basis
Assist with second level reviews and maintains designated underwriting authority
Provides up to date communication to the team members regarding turn times and SLAs
Mentor and coach new underwriters
Assist new branches with on boarding process
Work with the Mortgage Operation Manager and other Team Leads to develop and maintain Departmental policies and procedures
Ensure that all fair lending and compliance policies are followed both in dealings with customers as well as the underwriting decisions that are made
Serve as an escalation point for all mortgage loan originators
Education: High school diploma or equivalent required, bachelor’s degree preferred or equivalent experience
Experience: Minimum 5 years as an underwriter with extensive knowledge of FNMA/FHLMC and portfolio programs and underwriting guidelines. Minimum 1-3 years of supervisory experience, preferred
Skills/Ability: Ability to weigh risk and make business decisions outside of standard underwriting guidelines. Excellent written and verbal communication skills. Demonstrated ability to interact effectively with mortgage loan originators. Demonstrated judgment, strong problem solving skills and solid decision making ability. Ability to work effectively under fast pace and time constraints environment

Chief Underwriting Officer Resume Examples & Samples

Have joint P&L and target card responsibility with the Country CEO and wider Commercial Executive Committee
Lead the administration and monitoring of underwriting rules and guidelines, rating manual rules and insurance laws and regulations for the CIS book of business to deliver business unit growth and excellent customer service. Ensures the implementation, use and oversight of The Zurich Way of Underwriting (TZW)
Ensure consistent profitability in the domestic underwriting market and International growth in out of territory initiatives
Translation of Zurich’s Global and Regional Commercial strategy into local objectives
Develop, communicate and implement clearly defined Underwriting strategies to meet business unit objectives – including profitability objectives, priorities and accountabilities - ensuring the consistent execution across all lines of business, identifying areas for improvement and evolution as appropriate
Review and evaluate strategies in relation to external trends such as regulatory change and develop underwriting policies to ensure compliance with existing and emerging regulations
Develop, promote and maintain CIS leadership in the external insurance market to strengthen the Company´s position, brand and influence
Evaluate and communicate key underwriting/marketplace issues to peer and senior management staff
In cooperation with Customer & Distribution Management, develop and propose action plans for improvement in dealing with commercial customer cases in response to business partner and customer feedback to enable the organisation to meet their needs
Conduct analysis and use insights from customers, distributors and own technical expertise to develop new or enhanced propositions that meet customer needs
Develop and nurture talent within the business, ensuring that we are developing the right skills and capabilities to meet our current and future business needs
Work with APAC Heads of Property, Casualty and Specialty, local Underwriting Managers and LoB Heads to align strategies, tactical plans and performance
Monitor and oversee portfolio exposure, taking appropriate action to ensure no limits have been breached and full compliance with relevant regulations
Contribute to and implement agreed technical standards, controls, practices and procedures thereby maintaining integrity of underwriting function
As a core member of the Management Team for CIS, collaborate with other team members to contribute to the financial planning, performance management, business unit direction and leadership of Commercial Insurance in Singapore

Mortgage Underwriting Officer Resume Examples & Samples

Education: College graduate with major in accounting or business preferred
Experience: 5-7 years mortgage lending and banking experience with good knowledge of lending regulations and credit/collateral analysis practices. Specific experience with Freddie Mac underwriting guidelines required
Skills/Ability: PC proficient. Good verbal and written communication skills. Bilingual a plus. Organized and detail oriented. Able to develop working knowledge of Bank’s credit underwriting policies and approval process for assigned loans. Ability to analyze complex credit transactions. Ability to work effectively in a fast paced, high production environment. Strong financial analysis and accounting skills

Underwriting Officer Resume Examples & Samples

Data capture and verification of new applications
Participate in system and product UAT; able to draft UAT scenarios in accordance to plan or system features
Register incoming medical reports, laboratory tests and related documents
Prepare daily / monthly departmental reports
Prepare letter to client regarding medical requirements
Prepare letter and cheque request form for issuing Attending Physical Statement to hospital
Support all kinds of clerical duties
Handling monthly invoice from laboratories / land search company
Prepare policy fulfillment
Support and assist the department to develop agency model – handling clean cases underwriting

Underwriting Officer / Manager Resume Examples & Samples

Maintains thorough knowledge of small business banking lending with regard to product types, pricing and underwriting criteria
Analyzes and makes credit decisions on SBB loans and lines of credit within established policies, guidelines and established lending authority, utilizing credit scoring models along with identifying the strengths, weaknesses and cash flow of the borrower
Presents and recommends loan decisions to the Chief Credit Officer/Credit Admin Credit Officer for requests or Total Credit Exposure over lending authority
Clearly and concisely communicates underwriting decisions applications in a timely manner to loan officers. Prepares credit approval write-ups or denial letters as appropriate
Works closely with loan officers through discussions about the loan requests and mentors SBB Loan Officers through these conversations
Tracks lines of credit periodically and follows up with borrowers/loan officers for required financial reports to review; decide whether a line should be continued, called, or put on a repayment plan
Works closely with Special Credits, Credit Admin Credit Officer, SBB Loan Officers and Branch Managers to resolve problem loan issues
Liaison with Commercial Loan Processing and Servicing to continually improve processes or to resolve issues
Interfaces with credit bureau vendor as it relates to credit scoring and account monitoring software
Develop, maintain and recommend changes to SBB policies and procedures
Produce and maintain various management reports on SBB underwriting and loan performance and required by manager. Track all approved and declined loans or lines of credit as well as loans approved with exceptions to guidelines
Follow the Bank’s Information Security policies, ensuring that the processing and handling of all customer information and confidential bank information is done in a secure fashion
Completes special projects as assigned by manager
Bachelor’s Degree in Business or Finance or equivalent work experience
Must have thorough knowledge of business entities, their financial statements, tax returns, and how to analyze their cash flows; Has accounting and financial statement analysis skills to determine business cash flows and financial ratios necessary to make a sound loan decision
Has general knowledge of federal and state laws and regulations governing small business loan credit administration functions and developing credit policies and procedures
Ability to analyze, sort, and summarize data using spreadsheets and databases in preparation of presentations. A high degree of comfort with quantitative data
Demonstrated professional business communication and people skills plus the ability to work successfully with all layers of an organization; comfortable with giving guidance and instructions to loan officers
Strong organizational skills and the ability to make decisions, work independently, and handle multiple priorities

Commercial Underwriting Officer Resume Examples & Samples

Provide complete analysis of loan package for new deals, reviews and renewals
Independently prepares and/or updates appropriate RECAP documentation for large and/or complex requests
Prepares collateral charts, cash flows, risk ratings and other attachments
Provides detailed industry analysis and understand potential impacts on the client and credit request
Identifies policy exceptions and independently develop mitigates and structure modifications to address or eliminate them
Identifies and analyzes inconsistencies and inaccuracies in customer data, including spreads, aging's, projections and other financial documents
Ensures complete and thorough analytical narrative and commentary on the request and makes recommendations on structural enhancements to mitigate risk or help win business
Evaluates strengths and weaknesses within each credit and escalates risks and other issues to MCU and/or RM or PM (Portfolio Manager)
Independently contacts customers to obtain answers for credit requests
Recommends appropriate controls and covenant structure for new credit requests
Recommends risk rating
Calculates loan covenants and assist with tracking on complex transactions in conjunction with CSC (Credit Support Center) team for assigned relationships. Follows-up with PM/RM on violations and provide recommendation for waiver, modification or cure
Shares responsibility with Credit Specialists for performing OFAC checks and identifying issues
Serves as mentor and assists with training more junior underwriters and rotating credit analysts
Investigates title searches, surveys and UCC (Uniform Commercial Code) searches as requested by MCU or RM/PM. Works with PM and loan closing team as requested to resolve issues
Process Sustainability
Adheres to department procedures for workload management
Strives to meet or exceed SLA, or when not possible, communicate to MCU and RM/PM
Ensures appropriate RECAP formats/attachments are used in accordance with approved process & procedures and assists MCU with reviewing RECAPs
Recommends process improvements in support if continuous improvement culture within Commercial Underwriting
4 years of commercial underwriting, credit and/or lending experience
Completion of Credit College or other formal credit training
5 years' experience with Microsoft Office applications (Word, Excel, PowerPoint, Outlook)

Senior Underwriting Officer, VP Resume Examples & Samples

Underwrite multi-million dollar commercial lease and loan transactions for national clients
Review the strength and experience of obligors, transaction terms and structure large transactions
Obtain and analyze credit reports, bank checks and perform other appropriate credit investigations
Analyze key financial results, ratios and transaction structure elements, including the adequacy of the debt service coverage and loan to value
Make recommendations toward final disposition of transactions
Minimum 7 years relevant work experience with demonstrated knowledge in commercial lending environment
Demonstrated experience with financial statement analysis, cash flow analysis and financial ratios; able to review and understand complex financial documents
Excellent verbal and written communication skills; ability to provide detailed analysis in written form
Ability to prioritize multiple competing demands and multi-task in a fast-paced environment, while maintaining sound judgment
Highly motivated, proactive, and resourceful; innovative with ability to think of alternatives that fit business standards
Basic knowledge of Microsoft Office; strong knowledge of Moody’s Risk Analyst Software
High School Diploma or GED required; Bachelor’s Degree in Business, Finance or related field highly preferred

Portfolio Underwriting Officer Resume Examples & Samples

Masters Degree in Business Administration, Accounting, Finance, Economics, or equivalent experience
10+ years experience in commercial banking or comparable financial industry sector as a commercial lender or credit/risk management analyst
Preferred candidate will have Leveraged Lending experience
Ability to maintain accuracy while handling sensitive data files, working with that data and reconciling final results with original numbers
Ability to effectively engage in verbal communication with team members from other Sovereign divisions (lending, operations, etc)
Ability to work with Information Technology (IT) for design and development of counterparty risk management infrastructures (e.g. system and interface)
Ability to work with large databases and datasets for extraction and conversion into useful final results with original numbers
Credit analysis skills for understanding/tracking counterparty performance and market risk & modeling skills for evaluating trade positions and the related counterparty risk exposures
Detailed knowledge of a commercial banks credit and counterparty customer populations, understanding their characteristics according to portfolio (aggregate) credit quality measures and individual customer financial characteristics
Microsoft Software - At a minimum MS Access and MS Excel intermediate user; MS Power Point and Word basic user