underwriting assistant

Essent Guaranty, Inc.

<p></p><div><p><b>Essent Group Ltd. </b>(NYSE: ESNT) is a Bermuda-based holding company (collectively with its subsidiaries, &quot;Essent&quot;) which serves the housing finance industry by offering private mortgage insurance, reinsurance, risk management products and title insurance and settlement services to mortgage lenders, borrowers, and investors to support homeownership. We are focused on managing risk and dedicated to serving as a strong and fair counterparty. As a company, we bring strong private capital and a commitment to risk management to the mortgage insurance industry.</p><p></p><p><b><br>
Title</b>: Lender Services<b> </b>Underwriting Counsel</p><p></p><p><b><br>
Location: </b>Coraopolis, PA <b>(fully on-site)</b></p><p>
This is an advanced level position which works under limited supervision and is responsible for underwriting decisions pertinent to residential and commercial real estate transactions located within assigned jurisdictions state as well as back-up underwriting support within centralized title production. Provides advisory guidance to associates and customers on underwritten files. Communicates with and assists lenders and colleagues regarding the Company's products and services. Assists associates with the legal aspects of title and closing issues contained within the Lender Services title manufacturing process. Represents the Company in state and national land title associations, reviews and maintains compliance with state regulations, laws, statutes, and regulations.</p><p><b>
As a dynamic and resourceful professional, we will rely on you to perform the following duties:</b></p><ul><li> Underwrites title risk primarily for residential title transactions. Assists lenders and colleagues on sophisticated title issues, questions and closing problems. Interpret legal documents associated with real estate transactions and evaluate for insurability.
</li><li> Engages with title underwriters regarding escrow and title closing issues. Responds to claim problems, advises the title or escrow officers involved with Claims Department approval.</li><li> Aid operations team in curing title issues and directing them on how to address various issues. Utilizes underwriting standards and guidelines within delegated authority limits, to underwrite the issuance of title insurance. Provides guidance to company personnel in the performance of real estate settlement services. Issues underwriting standards and guidelines in accordance with established company processes.
</li><li> Supports Company efforts with assigned state regulators, rating agencies and bureaus and licensing organizations. Reviews and approves high liability orders within maximum approved limits.
</li><li> Participates as requested by management in marketing and education efforts, including developing and making presentations to large and small groups, and writing Bulletins Stays current and distributes to staff information regarding new laws and procedures. Involved in title industry associations, state, and local title organizations as well as related industry and state bar associations.</li><li> Perform other duties as assigned by management.</li></ul><p></p><p><b><br>
Minimum Education &amp; Experience Requirements:</b></p><ul><li> JD - Juris Doctor.</li><li> 3+ years title underwriting experience.</li><li> Must be familiar with real estate law.</li><li> Continuing legal education requirements.</li><li> Member of Bar Association and license to practice law in at least one primary assigned state and willingness to secure license in additional states as warranted by corporate growth.</li><li> Title insurance underwriting experience and real estate transactional background.</li><li> Travels on company business as necessary. Estimate - 20%.
</li><li> Knowledge of real estate and title insurance law in the assigned state(s).</li><li> Strong understanding of fundamental concepts, practices and procedures of real estate title and settlement process.</li><li> General knowledge of Federal and State regulations related to real estate title insurance and settlement services.</li><li> General understanding of underwriting real estate transactions for the issuance of title insurance policies.</li><li> Ability to collaborate and act decisively.</li><li> Detail oriented and strong negotiation skills.</li><li> Excellent listening, verbal, and written communication skills.</li><li> Good organizational skills with the ability to multi-task and prioritize.</li></ul><p><br>
</p><p>Our commitment to your success is enhanced by our competitive salary and comprehensive benefits package including paid time off, medical, dental, vision, 401(k) and disability benefits. We work to maintain a positive environment for our employees, where people can learn and grow with the company. Essent is an Equal Opportunity Employer.</p></div>

Underwriting Counsel

<p></p><div><p><b>Essent Group Ltd. </b>(NYSE: ESNT) is a Bermuda-based holding company (collectively with its subsidiaries, &quot;Essent&quot;) which serves the housing finance industry by offering private mortgage insurance, reinsurance, risk management products and title insurance and settlement services to mortgage lenders, borrowers, and investors to support homeownership. We are focused on managing risk and dedicated to serving as a strong and fair counterparty. As a company, we bring strong private capital and a commitment to risk management to the mortgage insurance industry.</p><p></p><p><b><br>
Title</b>: Lender Services<b> </b>Underwriting Counsel</p><p></p><p><b><br>
Location: </b>Radnor, PA</p><p>
This is an advanced level position which works under limited supervision and is responsible for underwriting decisions pertinent to residential and commercial real estate transactions located within assigned jurisdictions state as well as back-up underwriting support within centralized title production. Provides advisory guidance to associates and customers on underwritten files. Communicates with and assists lenders and colleagues regarding the Company's products and services. Assists associates with the legal aspects of title and closing issues contained within the Lender Services title manufacturing process. Represents the Company in state and national land title associations, reviews and maintains compliance with state regulations, laws, statutes, and regulations.</p><p><b>
As a dynamic and resourceful professional, we will rely on you to perform the following duties:</b></p><ul><li> Underwrites title risk primarily for residential title transactions. Assists lenders and colleagues on sophisticated title issues, questions and closing problems. Interpret legal documents associated with real estate transactions and evaluate for insurability.
</li><li> Engages with title underwriters regarding escrow and title closing issues. Responds to claim problems, advises the title or escrow officers involved with Claims Department approval.</li><li> Aid operations team in curing title issues and directing them on how to address various issues. Utilizes underwriting standards and guidelines within delegated authority limits, to underwrite the issuance of title insurance. Provides guidance to company personnel in the performance of real estate settlement services. Issues underwriting standards and guidelines in accordance with established company processes.
</li><li> Supports Company efforts with assigned state regulators, rating agencies and bureaus and licensing organizations. Reviews and approves high liability orders within maximum approved limits.
</li><li> Participates as requested by management in marketing and education efforts, including developing and making presentations to large and small groups, and writing Bulletins Stays current and distributes to staff information regarding new laws and procedures. Involved in title industry associations, state, and local title organizations as well as related industry and state bar associations.</li><li> Perform other duties as assigned by management.</li></ul><p></p><p><b><br>
Minimum Education &amp; Experience Requirements:</b></p><ul><li> JD - Juris Doctor.</li><li> 3+ years title underwriting experience.</li><li> Must be familiar with real estate law.</li><li> Continuing legal education requirements.</li><li> Member of Bar Association and license to practice law in at least one primary assigned state and willingness to secure license in additional states as warranted by corporate growth.</li><li> Title insurance underwriting experience and real estate transactional background.</li><li> Travels on company business as necessary. Estimate - 20%.
</li><li> Knowledge of real estate and title insurance law in the assigned state(s).</li><li> Strong understanding of fundamental concepts, practices and procedures of real estate title and settlement process.</li><li> General knowledge of Federal and State regulations related to real estate title insurance and settlement services.</li><li> General understanding of underwriting real estate transactions for the issuance of title insurance policies.</li><li> Ability to collaborate and act decisively.</li><li> Detail oriented and strong negotiation skills.</li><li> Excellent listening, verbal, and written communication skills.</li><li> Good organizational skills with the ability to multi-task and prioritize.</li></ul><p><br>
</p><p>Our commitment to your success is enhanced by our competitive salary and comprehensive benefits package including paid time off, medical, dental, vision, 401(k) and disability benefits. We work to maintain a positive environment for our employees, where people can learn and grow with the company. Essent is an Equal Opportunity Employer.</p></div>

<div><div><b>Job Purpose</b></div>
<div>
The primary function of this role is to support EGA Re by assisting in the assessment and management of reinsurance risks within the captive structure. Responsibilities include maintaining documentation, ensuring compliance with Financial Services Regulatory Authority (FSRA) standards, supporting underwriting activities under Abu Dhabi Global Markets (ADGM) regulations, and assisting the risk engineering team.</div>
<div>
The position provides day-to-day support for EGA Re&rsquo;s underwriting and claims activities, working closely with the EGA Insurance Manager and ensuring deadlines are met.</div>
<div><b>
Key Accountabilities</b></div>
<div>
General</div>
<ul>
<li>Assist with risk assessments by reviewing reinsurance submissions and preparing preliminary underwriting summaries.</li>
<li>Support tracking of renewal timelines and coordination of renewals for all EGA Re policies.</li>
<li>Assist with reviewing insurance and reinsurance contracts and wordings for new and renewal business.</li>
<li>Analyze claims bordereaux and loss data from brokers; prepare draft claims authorization forms.</li>
<li>Act as a secondary contact between insured assets and the internal Risk Engineering team.</li>
</ul>
<div>Documentation &amp; Compliance</div>
<ul>
<li>Maintain accurate underwriting records in line with FSRA and internal requirements.</li>
<li>Keep audit-ready documentation of treaties, endorsements, and correspondence.</li>
<li>Assist in the preparation of insurance materials for board packs.</li>
<li>Support development and improvement of procedures manuals.</li></ul><br>
<div></div>
<div>
Data Analysis &amp; Reporting</div>
<ul>
<li>Collect and analyze underwriting data to support decision-making.</li>
<li>Prepare reports on underwriting performance and risk exposure at set intervals.</li>
<li>Conduct reviews of re/insurance contracts and wording for new and renewal business.</li>
</ul>
<div>Stakeholder Coordination</div>
<ul>
<li>Provide day-to-day liaison with outsourced captive managers to ensure compliance with SLAs.</li>
<li>Support communication with internal departments (risk engineering, insurance, finance, legal) and external stakeholders (brokers, cedents).</li>
<li>Assist with processing premiums, reinsurance recoveries, commissions, and brokerage payments.</li>
<li>Communicate professionally with brokers, reinsurers, lawyers, actuaries, and service providers.</li>
</ul>
<div>Process Improvement</div>
<ul>
<li>Identify potential enhancements to processes and efficiency.</li>
<li>Participate in implementing new tools or systems.</li>
</ul>
<div>Risk Engineering Support</div>
<ul>
<li>Assist in coordinating risk engineering visits and tracking reports.</li>
<li>Monitor and track risk improvement recommendations and update stakeholders.</li>
<li>Support the accuracy of the risk improvement recommendations database.</li></ul><br>
<div></div>
<div>
Regulatory Compliance &amp; Reporting</div>
<ul>
<li>Support compliance with FSRA Rulebooks and ADGM regulations (reporting, data protection, internal controls).</li>
<li>Contribute to preparation of data for Electronic Prudential Reporting System (EPRS).</li>
<li>Map data accurately to FSRA reporting formats.</li>
</ul>
<div>Onboarding &amp; Licensing Support</div>
<ul>
<li>Prepare documentation for FSRA authorisations or permission changes.</li>
<li>Ensure activities remain within the licensed scope.</li>
</ul>
<div>Risk Management &amp; Governance</div>
<ul>
<li>Assist with proportional risk management systems for underwriting, reserving, and operational risks.</li>
<li>Maintain RiskConnect data entry from reinsurance contracts and risk engineering reports.</li>
</ul>
<div>Internal Controls &amp; Audit Readiness</div>
<ul>
<li>Maintain complete, audit-ready underwriting documentation.</li>
<li>Support internal audits to ensure FSRA compliance.</li></ul><br>
<div></div>
<div>
Data Protection &amp; Confidentiality</div>
<ul>
<li>Adhere to ADGM Data Protection Regulations.</li>
<li>Participate in training on data privacy and cybersecurity.</li>
</ul>
<div>Outsourcing Oversight</div>
<ul>
<li>Assist in monitoring third-party service providers&rsquo; compliance with FSRA outsourcing requirements.</li>
<li>Support maintenance of SLA documentation and performance assessments.</li>
</ul>
<div>Training &amp; Continuous Development</div>
<ul>
<li>Commit to ongoing professional development.</li>
<li>Participate in FSRA-mandated training and CPD programs.</li>
<li>Stay informed on international standards such as IFRS 17 and Solvency II.</li></ul><br>
<div></div>
<div><b>
Authority / Decision-Making</b></div>
<ul>
<li>Operates under clearly defined policies, standards, and objectives, with supervision from senior team members.</li>
<li>Decisions are guided by practices and procedures; outputs are subject to review.</li>
</ul>
<div><b>Qualifications &amp; Skills</b></div>
<div><b>
Minimum Qualifications</b></div>
<ul>
<li>Educational background in Insurance, Risk Management, Finance, Actuarial Science, or related field.</li>
<li>Professional certifications an advantage (CII, CPCU, ARe, ARM).</li>
</ul>
<div><b>Experience</b></div>
<ul>
<li>3 years&rsquo; experience in underwriting or insurance operations, ideally in reinsurance or captive insurance.</li>
<li>Familiarity with ADGM and FSRA regulatory environment or similar.</li>
<li>Awareness of HSSE standards in heavy industry.</li></ul><br>
<div></div>
<div><b>
Skills</b></div>
<ul>
<li>Strong analytical and data management skills.</li>
<li>Effective interpersonal and communication abilities.</li>
<li>Ability to collaborate across departments and manage time effectively.</li>
<li>Knowledge of risk assessment methods, insurance policies, and regulations.</li>
<li>High attention to detail and organizational skills.</li>
<li>Strong English (verbal and written); additional languages an advantage.</li>
<li>Proficiency in Microsoft Office and database management systems.</li>
<li>Flexible, reliable, and professional, with integrity and discretion.</li>
<li>Operate within FSMR and FSRA Rulebooks, staying updated on circulars and guidance.</li></ul></div><div></div>

Junior Analyst - Risk Engineering & Underwriting (EGA RE)

Zurich Insurance

<div><div><div><div><div>Job Summary</div>
</div><div><div>
Zurich is one of the world&rsquo;s leading insurance groups, and one of the few to operate on a global basis. Our mission is to help our customers understand and protect themselves from risk. With around 55,000 employees serving customers in more than 215 countries and territories, we aspire to become the best global insurer as measured by our shareholders, customers and employees. We help individuals, small and medium sized companies and global corporations around the world understand and protect themselves from risk by offering a wide range of insurance products, solutions and advisory services.</div><br>
<div></div>
<div>
Commercial Insurance Middle East is looking for a Senior Underwriter - Financial Lines to join our team. This individual will independently analyze and underwrite business of medium to high complexity and must be well-regarded for their knowledge of the financial lines. They must utilize &quot;The Zurich Way&quot; of Underwriting Framework ensuring a high level of service to customers.</div></div></div><div><div><div>
Job Accountabilities</div>
</div><div><div>
As a Senior Underwriter - Financial Lines, your role will involve:</div>
<ul>
<li>Independently assess and price medium to high complexity risks, set and negotiate terms and conditions in accordance with the Underwriting Guidelines.</li>
<li>Have a reasonable level of Underwriting Authority and will seek empowerment from higher proficiency level Underwriting Management where required with a detailed rationale.</li>
<li>Have a strong understanding of how the accounts they work on fit into the broader Underwriting strategy.</li>
<li>Posses strong relationships and engage with distributors (agents brokers) during the Underwriting process, leading discussions around risk appetite and proactively seeking new business opportunities.</li>
<li>Anticipate customer needs and be able to handle and resolve the vast majority of queries from customers and brokers.</li>
<li>Support with the development of other Underwriters.</li>
<li>Should be proficient in Directors and Officers, Financial Institutions &amp; Professional Indemnity.</li>
<li>Complete detailed opportunity assessment with key distributors to identify growth opportunities.</li>
<li>Negotiate solid terms &amp; conditions and where appropriate cross-sell other lines of business to increase the book of business.</li>
<li>Participate in Sales Team meeting as related to assigned brokers and / or territory.</li>
<li>Proactively engage in the target account process, managing a qualified list of opportunities 90 to 120 days prior to effective date.</li>
<li>Serve as the subject matter expert and act as the key contact for assigned target accounts.</li>
<li>Measure exposure/analyze risk, initiate product development ideas and promote services to increase penetration.</li>
<li>Provide expertise on coverage issues with claims programs and guidelines.
</li></ul></div></div><div><div><div>Job Qualifications</div>
</div><div><div>
To be successful in the role, you will need:</div>
<ul>
<li>Bachelor's degree (or equivalent) to 10+ years of experience in related field</li>
<li>Excellent oral and written communication skills.</li>
<li>In-depth knowledge of financial lines, legal and regulatory guidelines.</li>
<li>Strong negotiation and presentation skills.</li>
<li>Deep understanding of underwriting principles, techniques, national/local filing regulations and guidelines</li>
<li>Ability to work in a team-based environment</li>
<li>Knowledge of time restraints for quotes on new and renewal business</li>
</ul></div></div><div><div><div>Zurich Values</div>
</div><div><div>Collaborate Together</div><div>
Develop &amp; Grow</div><div>
Make it Happen</div><div>
Performance</div><div>
Problem Solving</div><div>
Puts Customers First</div></div></div></div><div><b>
Why Zurich</b></div><br>
<div></div>
<div>
At Zurich, we like to think outside the box and challenge the status quo. We take an optimistic approach by focusing on the positives and constantly asking What can go right?</div>
<div>
We are an equal opportunity employer who knows that each employee is unique - that&rsquo;s what makes our team so great!<br>
Join us as we constantly explore new ways to protect our customers and the planet.</div><br>
<ul>
<li>Location(s): ZIC DIFC, AE - Dubai</li>
<li>Remote working: Hybrid</li>
<li>Employment Type: Permanent - Full Time</li>
<li>Recruiter name: CI ME, HR Team</li>
<li>Closing Date: 24 Oct 2025</li></ul></div>

Senior Underwriter - Financial Lines

<p></p><div><p><b>Essent Group Ltd. </b>(NYSE: ESNT) is a Bermuda-based holding company (collectively with its subsidiaries, &quot;Essent&quot;) which serves the housing finance industry by offering private mortgage insurance, reinsurance, risk management products and title insurance and settlement services to mortgage lenders, borrowers, and investors to support homeownership. We are focused on managing risk and dedicated to serving as a strong and fair counterparty. As a company, we bring strong private capital and a commitment to risk management to the mortgage insurance industry.</p><p></p><p><b><br>
Title: </b>Senior Title Underwriter<br>
<br>
<b>Location: </b>Central Region (Kansas, Missouri, Nebraska)</p><p><br>
Responsible for underwriting decisions pertinent to residential and commercial properties located within assigned state and back-up underwriting support in additional jurisdictions as needed. Provides advisory guidance to associates, independent agents, and customers on underwritten files. Monitors and manages high liability approvals.</p><p><b><br>
As a dynamic and resourceful professional, we will rely on you to perform the following duties:</b></p><ul><li>
Underwrite commercial and residential title closings. Assist independent and affiliated agent title and escrow officers on extraordinary issues, questions, and closing problems.</li><li>
Support Company efforts with assigned state regulators, rating agencies, and bureaus and licensing organizations. Review and approve high liability orders within maximum approved limits. Provide independent and affiliated agent training.
</li><li>Advise independent and affiliated agents regarding escrow and title closing issues. Respond to claim problems, advise the title, or escrow officers involved with Claims Department approval.</li><li>
Participate as requested by management in marketing and education efforts, including developing and making presentations to large and small groups, writing bulletins and articles for Essent Title and outside publications. Stay current and distribute to staff information regarding new laws and procedures. Participate in title industry associations, state, and local title organizations and related industry and state bar associations.</li><li>
Utilize underwriting standards and guidelines within delegated authority limits, to underwrite the issuance of title insurance. Provide guidance to company personnel in the performance of real estate settlement services. Issue underwriting standards and guidelines in accordance with established company processes.
</li><li>Manages staff to balance workloads and accomplish results through effective recruitment, selection, training, development, performance management, and recognition; holds direct reports accountable for developing staff competency in their areas of responsibility and meeting assigned goals and objectives.</li><li>
Perform other duties as assigned by management.</li></ul><p><b><br>
Minimum Education &amp; Experience Requirements:</b></p><ul><li>
Bachelor&rsquo;s Degree with Juris Doctorate required.</li><li>
7+ years of title insurance underwriting experience and real estate transactional background.</li><li>
Ability to travel up to approximately 30%.
</li><li>Supervisory responsibilities.</li><li>
Continuing legal education requirements. Member of Bar Association and license to practice law in at least one primary assigned state and willingness to secure license in additional states as warranted by corporate growth.</li><li>
Account base is concentrated in a regional or state footprint.
</li><li>Maintain flexible hours and work location.</li><li>
Knowledge and familiarity of real estate law.</li><li>
Knowledge of state specific real estate and title insurance law in assigned account base region.</li><li>
Strong understanding of fundamental concepts, practices and procedures of real estate title and settlement process. General knowledge of Federal and State regulations related to real estate title insurance and settlement services.</li><li>
Understanding of underwriting real estate transactions for the issuance of title insurance policies. Ability to collaborate and act decisively.
</li><li>Knowledge of management principles and techniques with business and leadership skills.</li><li>
Excellent communication, presentation, and negotiation skills.</li><li>
Strong organizational skills with the ability to multi-task, prioritize and timely follow up.
</li><li>Attention to detail and accuracy.</li></ul><p><br>
Our commitment to your success is enhanced by our competitive salary and comprehensive benefits package including paid time off, medical, dental, vision, 401(k) and disability benefits. We work to maintain a positive environment for our employees, where people can learn and grow with the company. Essent is an Equal Opportunity Employer.</p></div><p></p>

Senior Underwriting Counsel (Central Region)

City & Capital

<p>City & Capital are delighted to be supporting a fast growing & highly respected investment house and commercial property finance lender who are on a huge growth curve, driven by strong investment, and ambitions to be the leading player in their sector.</p><p>Our client supports property development and investment professionals with access to small or large property backed loans for key projects. The products on offer include bridging finance, development exits, BTL, portfolio BTL and commercial term mortgages. Deal sizes can range from c£250k - c£50m+.</p><p>The lender has plans to double the size of their loan book over the coming period which requires substantial lending volumes. Due to this they have been busy increasing the size of their sales force with a view to identifying and introducing more loan applications for assessment.</p><p>Due to this, our client is keen to identify and appoint an experienced, confident and forward thinking Underwriter to their growing team, at an exciting time.</p><p>This is a role that comes with a lot of support and development to assist you in enhancing your technical underwriting skills within the role. Our client operates a very strong & proven promote within policy, with the natural next step for this role to attain 'Senior Underwriter' status within the company.</p><p>This is made all the more likely by plans to double the size of their operation over the next 12 months, having achieved the same feat four times in the last four years!</p><p>So this really is a 'career opportunity' for someone, as opposed to 'just another job'</p><p>The Underwriter position reports directly in to the 'Head of' department and will support the management of a pipeline of cases from point of origination by the BDM team, to completion. To do so, you will work closely with the lenders case management team who will assist with preparing cases for assessment. Once received you will undertake a full review of the loan application, ready to make recommendations for funding to senior management/the credit committee.</p><p>To achieve the required within the role you can expect to work closely with the businesses BDM's & brokers to assess & support their deals from a credit management perspective. You will manage and maintain your own pipeline of loans for sanctioning and ensure activity is undertaken to allow loans to be funded in line with SLA's.</p><p>In addition to managing your own pipeline of cases, you will also work with the Senior Underwriters members on their ultra complex cases to develop your skillset to allow you to grow. As noted, our client lends large value loans to complex borrowers and so this element of the role and learning can be critical for future success.</p><p>Due to the nature of the role the ideal individual must have experience of underwriting property backed loans. This type of role may suit a Junior Underwriter looking to take a step up for more responsibility, or an existing Underwriter from the property finance sector.</p><p>Confidence working in a fast paced and dynamic environment will be key. This role is not a tick box exercise, thus experience in the mortgage or commercial property finance sector is critical to be qualified for this position.</p><p><strong>Underwriter - Required Experience:</strong></p><ul><li>Current or previous property finance underwriting experience required</li><li>A good knowledge of credit principles associated with property lending</li><li>Demonstrable success against objectives in previous roles key</li><li>Experience in dealing with brokers and borrowers directly is sought after</li></ul><p><strong>Ideal Personal Attributes:</strong></p><ul><li>Highly analytical & numerical with a strong attention to detail</li><li>Happy working in a dynamic and fast paced environment</li><li>Confident diary manager and results orientated against set deadlines</li><li>Ambitious and keen to drive career forward within</li><li>Equally confident working alone or as part of a team</li></ul><p>The salary on offer is up to c£90k, which will be relevant to experience and performance at interview, as you would expect. Higher offers may also be considered for exceptional experience.</p><p>In addition our client operates two excellent bonus structures for this position that will reward you for the success that you bring to the company. This structure is uncapped and will assist you with increasing annual earnings substantially based on your delivery. Happy to discuss the detail.</p><p>Most notably, due to the exciting level of investment and funding at play, as well as the progressive and forward thinking culture of the business, this is a genuine opportunity for you to propel your own earnings and career standing quickly within, once excellent performance has been delivered.</p><p>This role will be based in the lenders lovely Mayfair offices, Monday - Friday.</p><img src="https://www.jobg8.com/Tracking.aspx?FmvgIOg1b084kPdvcVjyDt9yRZbAtUEdl" width="0" height="0" />

Senior Underwriter

Columbia Bank

<div><div><div><b>About Us:</b></div></div><div><b>
</b></div><div>
At Columbia, we create a great place to work by offering a unique brand of relationship banking and fostering a culture where associates thrive. We are dedicated to supporting our customers and communities, and we can only achieve this through the dedication of our associates.</div><div>
</div><div>
We value Trust, Ownership, Growth, Empathy, Teamwork, Heart, Enjoyment, and Relationships, and we are eager to meet candidates who embody these core values. We are always on the lookout for results-focused individuals who can think independently, work collaboratively, and support our broader purpose.</div><div>
</div><div>
Think of us as financial partners, because at Columbia, we believe the best way forward is together. Together for people. Together for business. Together for better.</div><div><b>
</b></div><div><b>
About the Role:</b></div><div><b>
</b></div><div>
Underwrites and prepares credit presentations for complex Commercial Real Estate (CRE) loans. Assists Relationship Managers (RMs) in the monitoring of a large loan portfolio consisting of complex CRE products including construction, bridge, and permanent loans. Collaborates with RMs to manage and deepen full banking relationships with sophisticated CRE developers and investors. Responsible for administration of the Interest Rate Hedging and/or Syndication and Asset Sales programs within the Debt Capital Markets Department.</div><div>
</div><ul><li> Details Analyze appraisal and market data to assess market risk associated with the CRE project. Underwrite sponsors&rsquo; contingent debt, portfolio refinance risk, and global cash-flow to assess their ability to address financial obligations. Assess CRE credit markets to analyze potential take-out financing. Identify key business and financial risks that may impact the repayment prospects by the borrower; presents conclusions supporting the credit recommendation based on documented facts and/or sound judgement.</li><li> Prepare timely, concise and accurate credit recommendations, with limited supervision or revision. Includes: (1) quantitative components within the underwriting narrative documenting the credit analysis; (2) accurate use of risk rating scoring models, using both quantitative and qualitative rating elements to ensure sponsors and individual loans are properly risk-rated; (3) accurate identification and mitigation of all Bank tracked policy exceptions, tracked guidelines exceptions, and departures from established procedures and underwriting processes; and (4) accurate loan and risk rate coding when the credits are boarded on the bank operating systems.</li><li> Monitor borrower financial performance in line with loan documents; spreads or oversees spreading of financial statements in accordance with Bank Guidelines to ensure accuracy. Tests covenant calculations and adherence to approval conditions and loan documentation. Collaborates with Analysts and RMs to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.</li><li> Collaborates with RMs to identify and communicate credit risk so that it is effectively mitigated within new and existing credits.</li><li> Partners with Analysts and Relationship Managers to offer insights into customer financial needs, including opportunities identified using Line of Business-approved relationship expansion tools. May also offer opinions related to a loan structure&rsquo;s effectiveness to mitigate risks, appropriate to prevailing competitive market environment and Bank risk tolerances.</li><li> Partners Relationship Managers in customer and prospect calls as appropriate.</li><li> May oversee the work of other commercial underwriters or credit analysts, including the timely review of credit requests and financial spreads to ensure accurate, high quality work product.</li><li> Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities &ndash; knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes.</li><li> Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.</li><li> Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.</li><li> May be asked to coach, mentor, or train others and teach coursework as subject matter expert.</li><li> Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words.</li><li> Takes personal initiative and is a positive example for others to emulate.</li><li> Embraces our vision to become &ldquo;Business Bank of Choice&rdquo;</li><li> May perform other duties as assigned</li></ul><div>
</div><div><b>
About You:</b></div><div><b>
</b></div><ul><li> Bachelor&rsquo;s degree: Finance, Accounting, or equivalent work experience. (Required)</li><li> 7 - 10 years of commercial underwriting/credit analysis experience or relevant lending experience. (Required)</li><li> Advanced analytical and problem-solving skills.</li><li> Advanced credit and credit quality skills including accounting, financial statement spreading, and cash flow analysis.</li><li> Demonstrated time management skills, reflecting the ability to juggle multiple tasks simultaneously while delivering high quality work product on time.</li><li> Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.</li><li> Possesses excellent written, verbal, interpersonal and presentation skills.</li><li> Advanced knowledge of credit policies, procedures, and practices.</li><li> Proficiency with personal computers and related software packages such as Word and Excel.</li></ul><div>
</div><div><b>
Job Location(s):</b><b> </b>Ability to work fully onsite at posted location(s).</div><div><b>
</b></div><div>
Seattle, WA or Portland, OR</div><div><b>
</b></div><div><b>
Our Benefits:</b></div><div><b>
</b></div><div>
We offer a competitive total rewards package including base wages and comprehensive benefits. The pay range for this role is $97,838.33 - $181,699.59, and the pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation and those details will be provided during the recruitment process.</div><div>
</div><div>
We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an employee assistance program, life insurance, disability insurance, tuition assistance, mental health resources, identity theft protection, legal support, auto and home insurance, pet insurance, access to an online discount marketplace, and paid vacation, sick days, volunteer days, and holidays. Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.</div><div>
</div><div><b>
Our Commitment to Diversity:</b></div><div><b>
</b></div><div>
Columbia Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics. If you require an accommodation to complete the application or interview(s), please let us know by email: careers@columbiabank.com.</div><div>
</div><div><b>
To Staffing and Recruiting Agencies:</b></div><div><b>
</b></div><div>
Our posted job opportunities are only intended for individuals seeking employment at Columbia Bank. Columbia Bank does not accept unsolicited resumes or applications from agencies and Columbia Bank will not be responsible for any fees related to unsolicited resume submissions. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.</div></div>

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