Credit Risk Underwriting Analyst Jobs

Generate internal deal ratings, maintain applicable scorecards, monitor limits, oversee data accuracy to ensure compliance with internal data generation/management guidelines.

Bachelor’s/University Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, Mathematics or equivalent experience.

Work proactively with Origination, Risk, and other internal constituents to ensure timely execution and internal reporting of new deals, syndication, amendment.

Liaise closely with Private Credit team to accurately maintain comprehensive lists of collateral approvals, pricing adjustments, and advance rate changes.

Provide the Origination team with requested historical asset performance data and other ad hoc requests, maintain various internal databases.

Validate Borrowing Base model for each new deal and subsequent changes.

Minimum Knowledge, Skills, and Abilities required:

Partner with the Product, Marketing Risk capabilities, and Technology teams to develop streamlined customer experience journeys.

Collaborate with key stakeholders and cross-functional partners across the company, including Risk Operations, Technology, Bank, Marketing, Finance, Legal, Risk, and Compliance/BSA/AML.

4+ years of experience in Data and Analytics

Strong communications skills that distill complex data and systems issues to both technical and non-technical audiences.

Understanding of and experience with risk decision engines and/or payment technology.

Experience in change management and driving adoption of new tools, processes, and decision support (i.e. scaling)

Minimum 4 years of experience in credit risk, underwriting and/or commercial lending

Experience creating new credit policies and SOPs

Strong attention to detail and excellent problem-solving skills

Robust analytical skills, including the ability to be hands-on and dive deep into details, identifying root cause and propose solutions

Demonstrated ability to manage multiple projects, prioritization, planning and task delegation

Review and monitor credit risk for credit card, and recommend/implement line management, pricing and authorizations strategies

Prepare supporting information and present findings to management

Experience In Lieu Of Education

Bachelor’s Degree in Mathematics, Statistics, Quantitative Finance, Engineering, Computer Science or Related – Minimum

Masters’ Degree in Mathematics, Statistics, Quantitative Finance, Engineering, Computer Science or Related – Preferred

1+ Years’ of Experience in credit risk analytics within a financial services environment – Preferred

Bachelor's degree, or equivalent work experience

Eight or more years of job related experience

Considerable knowledge of credit risk, financial and statistical analysis

Considerable knowledge of credit administration, policies and procedures, and regulatory compliance

Effective verbal, written and presentation communication skills

Effective technical report writing skills

Individual must work well under tight deadlines, manage priorities, and complete assigned tasks with minimal management follow up.

Process transactions through internal systems to ensure regulatory requirements.

Manage communications among a diverse mix of internal and external participants.

Loan underwriting or equivalent experience.

Individual must have excellent communication, organizational and interpersonal skills.

Candidate has quantitative skills with a high proficiency with Excel and other Microsoft based programs.

Location, confirmed job-related skills and experience will be considered in setting actual starting salary

Participate in trainings and coachings to develop relevant skillset

At least 3 years of related work experience

Strong negotiation and communication skills, both written and verbal

Strong problem solving, numbers aptitude and analytical skills

Strong technical skills including demonstrated proficiency in PowerPoint, Word, and Excel

2+ years’ experience with customer credit management, analyzing of financial reports, and collection management - advantage

Strong Google (sheets, docs) and MS office skills (Excel, Power Point, Word)

Experience with Business Intelligence (BI) tools

Excellent English language and communication skills

Involvement in approving financial terms with customers and concluding the agreements

Documenting decisions and supporting data according to underwriting guidelines

Manager, Credit Products Underwriting (MCPU) – Corporate Banking

Working Conditions & Physical Requirements

How You'll Spend Your Time

Experience in Property/Casualty Insurance and knowledge of accepted insurance industry standards and practices

Excellent verbal and written communication skills

General computer knowledge, with proficiency in Microsoft Office and internet navigation.

Order inspections through a specific system

Act as a conduit between MSI, Agents and Vendors

Effectively communicate with agents on inspection issues through email and verbally

For Management Liability positions, a working knowledge of financial statements and analysis.

In conjunction with more experienced underwriters or manager, may participate in sales calls or underwriting meetings.

1+ years of relevant professional experience; Insurance experience preferred.

Excellent interpersonal, communication and analytical skills.

Excellent organizational skills and ability to handle multiple tasks in a high-volume, fast-paced environment.

A look at our benefits (For U.S. and UK only)

Additional Knowledge Skills and Abilities

Summarize findings, develop recommendations and present analyses to management in a clear, concise, convincing, and actionable format

Proactively monitor and report relevant changes in origination trends and portfolio performance to management

Querying skills and knowledge in a data warehouse environment

Utilize data mining and advanced spreadsheet skills to quantify credit risk related to loan and lease origination activities

Experience with respect to data analysis and spreadsheet modeling and/or reporting

Conduct due diligence and perform fundamental credit analysis to provide independent risk recommendations to senior risk and front office management

1-3 years of experience working with leveraged finance transactions in a credit risk or similar role

Excellent verbal and written communication skills with strong presence and ability to convey complex messages to varying audiences

This role requires an assessment on application. Learn more about how we hire: www.ubs.com/global/en/careers/experienced-professionals.html

Engage with and challenge front office teams to ensure transactions are consistent with UBS's risk appetite and regulatory expectations

Closely monitor business, financial, and industry developments to maintain up to date risk ratings and portfolio outlooks

BS/BA degree (Finance, Business, or Economics) or combination of related work experience and education.

Experience in merchant underwriting and/or risk management with a merchant processor, payment facilitator, financial services firm, or other FinTech.

Minimum of 3 years of leadership experience in an underwriting, credit, or risk role.

Knowledge of both consumer (B2C) and commercial (B2B) payments.

Flex PTO including 15 days of PTO, 7 holidays and 3 flex days per year.

Great culture, awesome people. We have a fun, collaborative work environment.

Minimum 5 years’ experience in reporting systems, database management and statistical modeling.

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

Prepare and deliver presentations related to recommendations and strategy results to business partners and management.

Excellent analytical, verbal and written communication skills.

Minimal 5 years experiences of BASE/SAS, STAT/SAS, MACRO/SAS, Graph/SAS, Mainframe SAS and SAS Enterprise Guide.

Demonstrated ability to understand various applications and business intelligence/database tools.

Required Qualifications, Skills and Capabilities

You will develop and communicate creative solutions to business unit management in effective manner

A Bachelor's degree in a quantitative discipline (Finance/Statistics/Economics/Mathematics/Operations Research) or equivalent work/training is required. Master's degree preferred

Strong P&L knowledge and understanding of profit providers

Excellent oral and written communication skills

Ability to logically structure analyses using strong analytical, interpretive and problem solving skills

Research and solve more complicated problems and make decisions with supervision of underwriter or manager.

Stay informed and knowledgeable about current industry issues and activities.

Excellent math, analytical and problem-solving skills.

Excellent communication skills, written and verbal.

Gather underwriting information to properly evaluate commercial risks for acceptability within company guidelines. Underwrite for profit.

Review and summarize claims and loss information on individual risks and take the appropriate action.

Coastal Community Bank offers a competitive salary commensurate with experience, qualifications, and location

Report any data or program deficiencies to management upon discovery.

Report exceptions discovered during testing to management in a timely manner.

Provide management with a summary report of testing performed outlining any exceptions.

Ability to effectively present information and respond to questions from management, affected departments, and our strategic Partners.

Proficient experience with personal computers and Windows-based software, including MS Office products, and advanced skills in Excel.

Required qualifications, capabilities, and skills

Partner with colleagues from Sales & Trading, Coverage, Market Risk, Transition Management, and Legal

Manage client portfolio including limit sizing and maintenance, review of financial reporting, and monitoring of credit covenants

Meet development and training requirements as defined

Undergraduate degree in finance or related field

Strong interest in client interaction and possess outstanding verbal and written communication skills

Other Qualifications, including any special skills, capabilities, and competencies

Contribute to data management and data quality by pro-actively identifying and resolving gaps between business and system processes.

Degree Requirement: Bachelor's Degree or Equivalent Experience

Applied knowledge of Statistics and Statistical Methods "Strong programming skills in Excel and other software (ex. SAS, SQL, etc.)

Additional Benefits. To learn more about our benefits offerings, visit our Benefits Page.

Your Basic Education and Prior Work-Related Experience