Senior Underwriter, Insurance Lending Solutions

2 days ago

Toronto, Ontario, Canada Equitable Bank Full time

The Role

As a Senior Underwriter, Insurance Lending Solutions, you will play a key role in assessing the creditworthiness of commercial (corporate) and individual borrowers, while adhering to Equitable Bank's lending guidelines and policies.

Key Responsibilities

  • Assess credit applications holistically, using strong analytical and problem-solving skills.
  • Provide recommendations and approvals within designated limits, ensuring that approved deals close as scheduled and as efficiently as possible.
  • Maintain a comprehensive understanding of Whole Life Insurance policies, including their structure and functionality.
  • Deliver exceptional customer-centric service to internal and external stakeholders, participating in sales meetings as required.
  • Mentor team members on credit adjudication and compliance practices.
  • Actively engage in team efforts and support colleagues, maintaining a high level of professionalism in all interactions.

Requirements

  • Demonstrated ability to coach and mentor 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, thrive in a constantly changing environment, and perform well in a high volume, high intensity 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 is required.
  • A desire and 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.

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