Senior Underwriter, Insurance Lending Solutions Specialist
1 week ago
About the Role
We are seeking a highly skilled Senior Underwriter to join our Insurance Lending Solutions team at Equitable Bank. As a key member of our team, you will be responsible for assessing the credit worthiness of commercial and individual borrowers, while adhering to our lending guidelines and policies.
Key Responsibilities
- Assess credit applications and provide recommendations and approvals within designated limits.
- Ensure that approved deals close as scheduled and as efficiently as possible, by following up on outstanding conditions/documents and ensuring compliance with established guidelines.
- Demonstrate a comprehensive understanding of whole life insurance policies, including their structure, functionality, and the impact of future policy changes on the credit portfolio.
- Deliver exceptional customer-centric service to internal and external stakeholders, including participating in sales meetings as required.
- Mentor team members on credit adjudication and compliance practices.
- Actively engage in team efforts and support colleagues.
- Maintain a high level of professionalism in all interactions.
Requirements
- Demonstrated ability to coach and mentor more junior employees.
- Autonomous decision making on files of greater complexity.
- Post-secondary education in business or finance.
- In-depth knowledge of commercial underwriting and financial statements analysis.
- Proficient underwriting skills, with a minimum of 2-4 years of commercial lending experience.
- Insurance lending experience preferred.
- Exposure to and knowledge of whole life insurance products is highly preferred.
- Strong analytical and problem-solving skills, with the ability to assess credit applications holistically.
- Sound knowledge of AML & ATF practices.
- Excellent time management, analytical and problem-solving skills, able to handle multiple competing priorities.
- Ability to make decisions under pressure and thrive in a constantly changing environment.
- Excellent relationship building skills.
- Knowledge of fraud risk in the credit and insurance industries and the ability to address concerns relating to suspected misrepresentation.
- A desire and a willingness to join a growing team and evolving product.
- Proficiency in MS Office (mainly MS Word and Excel).
- CFA/CPA as well as the ability to speak Mandarin would be an asset.
What We Offer
- Competitive discretionary bonus.
- Market leading RRSP match program.
- Medical, dental, vision, life, and disability benefits.
- Employee Share Purchase Plan.
- Maternity/Parental top-up while you care for your little one.
- Generous vacation policy, personal days, and even a moving day.
- Virtual events to connect with your fellow colleagues.
- Annual professional development allowance and a comprehensive Career Development program.
- A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience.
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