Senior Underwriter, Insurance Lending Solutions
4 weeks ago
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 impact on the credit portfolio.
- Deliver exceptional customer-centric service to internal and external stakeholders, and participate 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 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 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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Toronto, Ontario, Canada Equitable Bank Full timeThe RoleAs 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 ResponsibilitiesAssess credit applications holistically, using strong analytical and problem-solving skills.Provide...
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Toronto, Ontario, Canada Equitable Bank Full timeThe RoleWe are seeking a highly skilled Senior Underwriter to join our Insurance Lending Solutions team. 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.Assess credit applications holistically, considering multiple factors...
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