Description: SUMMARY OF JOB: Underwrite commercial loans (C&I, Real Estate, Construction, Agricultural, Private Banking, Enterprise Value, Tax Incentivized, etc.), in a manner designed to maximize efficiency, accuracy, and quality. Collect, compile, and analyze financial information to facilitate lending decisions for commercial credit requests. Work closely with Bankers and Credit Administration to support the credit underwriting process and ensure it is collaborative, as well as assisting Portfolio Managers when needed to learn and participate in the Portfolio Monitoring process. This position is 100% in office in the Denver Tech Center area ESSENTIAL JOB RESPONSIBILITIES: Manage the loan underwriting process to ensure credit quality and accuracy of output, including by the Credit Analyst team. Underwrite moderately complex loan transactions for new and existing clients with complicated borrowing structures. Responsible for compilation of data and interpreting outcomes of analysis, utilizing sound credit underwriting skills to recommend credit decisions, maximize credit quality and minimize risk/potential loss to the Bank. Assist Bankers and Credit Administration with Pre-Flight/Loan Committee presentations. Participate with Bankers and Portfolio Managers on calls with existing and potential Customers to better understand client needs in an effort to grow the Bank's Book of Business. Participate in the monitoring process for the Commercial Loan Portfolio and help Portfolio Managers to compile portfolio metrics used for regulatory reporting, internal risk assessment/mitigation, Executive Management strategic decisioning, etc. Strong sense of urgency and commitment to the Company's loan growth and credit quality goals. Maintain current knowledge and follow all bank financial and security regulations and procedures. Embody, embrace, and demonstrate InBank's Core Values: Commitment, Innovation, Responsibility, Teamwork, Happiness, and Authenticity. Other duties as assigned. Requirements: JOB REQUIREMENTS: Education: Bachelor's degree or equivalent work experience Work Experience: 3+ years of experience in credit analysis, underwriting, and/or lending activities; 4-6 years of relevant experience with requisite competencies. Supervisory Experience: None required Licenses/Accreditations: None required Computer Skills: Advanced skills with Microsoft Office Suite, Credit Analysis Software. Other Requirements: Advanced credit analysis and analytical skills. Thorough knowledge of credit administration, policy, and procedures. In-depth knowledge of risk analysis on a variety of commercial credit types. Superior customer service skills. Excellent technical report writing skills, verbal communication, and interpersonal skills. Ability to effectively manage multiple responsibilities and priorities. Ability to lead, motivate, and foster teamwork. Ability to effectively discern information and formulate appropriate action. Ability to think critically and provide appropriate solutions. Occasional travel may be required for meetings/trainings. Must be able to use fingers, hands, and wrists for repetitive tasks such as typing, using a mouse, handling paper, and operating a telephone. Ability to lift up to 25 lbs. Preferred Skills/Experience: Ability to provide sound credit decisions utilizing strong background in evaluating personal and business financials. Strong attention to detail and accuracy; professional and courteous communication skills. Ability to effectively communicate between key internal business partners. SPECIFIC DUTIES AND RESPONSIBILITIES Customer Service: Ability to work effectively with both internal and external contacts. Maintains confidentiality in handling customer and bank information. Financial: Advanced knowledge of commercial banking, economics, accounting, and finance. Administrative Duties: N/A Autonomy: Routinely uses critical-thinking skills to appropriately address complex business problems. Employees Supervised: N/A Budget Responsibility: N/A The applicant who is selected for this position will be eligible for the following compensation and benefits: Targeted hiring range based on experience: $70,000 - $85,000 Annual. This range is an estimate based on potential employee qualifications and other considerations permitted by law under the Colorado Equal Pay for Equal Work Act and Equal Pay Transparency Rules. Bonus Eligibility: Annual bonus based on Company Bonus Plan/Individual Performance and is at the Company Discretion. Benefits: Medical, Dental, Vision insurance. Disability insurance. Employee assistance program. Flexible spending account. Health savings account. Life insurance. Paid Time Off: Vacation and sick leave, as well as paid Bank Holidays. 401(k): Company match begins with the first contribution and follows the company vesting schedule. Other: access to career training and development opportunities, employee discounts. For more about InBank and our culture, visit us here: Who We Are InBank is an Equal Opportunity Employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, or any other characteristic protected by applicable federal, state, or local laws PI23bc038bd2ae-6177
12/06/2024
Full time
Description: SUMMARY OF JOB: Underwrite commercial loans (C&I, Real Estate, Construction, Agricultural, Private Banking, Enterprise Value, Tax Incentivized, etc.), in a manner designed to maximize efficiency, accuracy, and quality. Collect, compile, and analyze financial information to facilitate lending decisions for commercial credit requests. Work closely with Bankers and Credit Administration to support the credit underwriting process and ensure it is collaborative, as well as assisting Portfolio Managers when needed to learn and participate in the Portfolio Monitoring process. This position is 100% in office in the Denver Tech Center area ESSENTIAL JOB RESPONSIBILITIES: Manage the loan underwriting process to ensure credit quality and accuracy of output, including by the Credit Analyst team. Underwrite moderately complex loan transactions for new and existing clients with complicated borrowing structures. Responsible for compilation of data and interpreting outcomes of analysis, utilizing sound credit underwriting skills to recommend credit decisions, maximize credit quality and minimize risk/potential loss to the Bank. Assist Bankers and Credit Administration with Pre-Flight/Loan Committee presentations. Participate with Bankers and Portfolio Managers on calls with existing and potential Customers to better understand client needs in an effort to grow the Bank's Book of Business. Participate in the monitoring process for the Commercial Loan Portfolio and help Portfolio Managers to compile portfolio metrics used for regulatory reporting, internal risk assessment/mitigation, Executive Management strategic decisioning, etc. Strong sense of urgency and commitment to the Company's loan growth and credit quality goals. Maintain current knowledge and follow all bank financial and security regulations and procedures. Embody, embrace, and demonstrate InBank's Core Values: Commitment, Innovation, Responsibility, Teamwork, Happiness, and Authenticity. Other duties as assigned. Requirements: JOB REQUIREMENTS: Education: Bachelor's degree or equivalent work experience Work Experience: 3+ years of experience in credit analysis, underwriting, and/or lending activities; 4-6 years of relevant experience with requisite competencies. Supervisory Experience: None required Licenses/Accreditations: None required Computer Skills: Advanced skills with Microsoft Office Suite, Credit Analysis Software. Other Requirements: Advanced credit analysis and analytical skills. Thorough knowledge of credit administration, policy, and procedures. In-depth knowledge of risk analysis on a variety of commercial credit types. Superior customer service skills. Excellent technical report writing skills, verbal communication, and interpersonal skills. Ability to effectively manage multiple responsibilities and priorities. Ability to lead, motivate, and foster teamwork. Ability to effectively discern information and formulate appropriate action. Ability to think critically and provide appropriate solutions. Occasional travel may be required for meetings/trainings. Must be able to use fingers, hands, and wrists for repetitive tasks such as typing, using a mouse, handling paper, and operating a telephone. Ability to lift up to 25 lbs. Preferred Skills/Experience: Ability to provide sound credit decisions utilizing strong background in evaluating personal and business financials. Strong attention to detail and accuracy; professional and courteous communication skills. Ability to effectively communicate between key internal business partners. SPECIFIC DUTIES AND RESPONSIBILITIES Customer Service: Ability to work effectively with both internal and external contacts. Maintains confidentiality in handling customer and bank information. Financial: Advanced knowledge of commercial banking, economics, accounting, and finance. Administrative Duties: N/A Autonomy: Routinely uses critical-thinking skills to appropriately address complex business problems. Employees Supervised: N/A Budget Responsibility: N/A The applicant who is selected for this position will be eligible for the following compensation and benefits: Targeted hiring range based on experience: $70,000 - $85,000 Annual. This range is an estimate based on potential employee qualifications and other considerations permitted by law under the Colorado Equal Pay for Equal Work Act and Equal Pay Transparency Rules. Bonus Eligibility: Annual bonus based on Company Bonus Plan/Individual Performance and is at the Company Discretion. Benefits: Medical, Dental, Vision insurance. Disability insurance. Employee assistance program. Flexible spending account. Health savings account. Life insurance. Paid Time Off: Vacation and sick leave, as well as paid Bank Holidays. 401(k): Company match begins with the first contribution and follows the company vesting schedule. Other: access to career training and development opportunities, employee discounts. For more about InBank and our culture, visit us here: Who We Are InBank is an Equal Opportunity Employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, or any other characteristic protected by applicable federal, state, or local laws PI23bc038bd2ae-6177
Community Development Finance Underwriter - Associate Country: United States of America Summary The Associate, Community Development Finance Underwriter is responsible for assisting in originating new community development equity investments and loans for the Company's Community Reinvestment Act (CRA) Program. The incumbent will be responsible for underwriting and reviewing CRA qualifying equity investments and loans within the following asset classes: i) multifamily developments financed with Low Income Housing Tax Credits (LIHTC), ii) community development financial institutions (CDFIs), iii) real estate private equity funds, iv) Small Business Investment Corporations (SBIC), iv) New Markets Tax Credits (NMTC), and v) other qualifying assets for Santander Bank, N.A.'s CRA Program. The underwriting process formally assesses the risk of the proposed loans and investments and ensures they conform to Santander's credit risk management standards. Duties include analyzing due diligence items such as market trends, sponsor strength and financial projections; preparing credit write-ups and presenting to approval committees. In addition to the underwriting and review of investments and loans, the CDF Underwriter will also be responsible for monitoring and reporting the existing portfolio to stakeholders within the Bank. Duties & Responsibilities Perform underwriting and credit analysis of CRA qualifying loans and investments; ensure transactions adhere to the Bank's credit policy Prepare approval memos for and presents to various credit committees on current and prospective loans and investments Ensures documentation complies with internal policies and procedures and facilitates management and regulatory reporting Ensures own work is in compliance with applicable laws, regulations and guidelines, as detailed in policies located on the Company Intranet; policies include but are not limited to Fair Lending, Know Your Customer, Bank Secrecy Act and other applicable anti-money-laundering policies Performs site visits related to new and current loans and investments Leads the due diligence process on new investments and loans including conducting due diligence and financial analysis and working with fellow credit professionals to produce summary memos for new investments and loans Monitor the risk profile of the portfolio including risk rating of loans and investments and enforces credit policy compliance, regulatory and legal compliance, credit transaction integrity and completeness of all transactions Keeps abreast of overall trends and best practices in multifamily real estate and affordable housing. Review industry periodicals, Bank portfolio data and other materials/statistics to build and maintain current knowledge of factors that impact Bank's underwriting of its real estate investments Participates in preparing, interpreting and communicating periodic self-assessments of the Company's Community Development Finance portfolio Works with credit, compliance, and internal and external auditors to ensure investments and loans are originated and managed within policy and applicable laws and regulations. Acts as a subject matter expert (SME) while providing leadership, guidance, and mentorship to other team members Qualifications Must possess low income housing tax credit underwriting experience; knowledge of real estate investments and loans including community development financing such as Low-Income Housing Tax Credits, Multifamily Affordable Residential Construction Loans, Private Equity Funds, New Markets Tax Credits and Historic Tax Credits and CDFIs Bachelor's Degree in finance, business, political science or other relevant field, or equivalent work experience 3+ years of experience in affordable housing, economic development or other community development origination, underwriting or portfolio management role Strong analytical and financial skills; knowledge of credit policy and asset management processes Strong verbal and written communication skills as well as strategic planning and management ability Ability to work with third party accounting and legal consultants as well as sophisticated project development consultants and advisors Education Bachelor's Degree or equivalent work experience: Finance, Business, Political Science or other equivalent field Req Skills and Abilities Extensive experience developing and structuring community development finance transactions including LIHTC, NMTC or CDFI lending and investment. Excellent, sales, persuasion and negotiation skills required to represent the Company's interests in negotiations. In-depth knowledge of CRA and Fair Lending regulations required, including HMDA and ECOA. Ability to communicate the organizational CRA strategies, goals, current needs and risk/reward appetite for community development loans and investments to market leadership and business unit managers. Diversity & EEO Statements At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions Frequent Minimal physical effort such as sitting, standing and walking. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders. Employer Rights This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate at any time for any reason. The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Base Pay Range Minimum: $69,375.00 USD Maximum: $121,250.00 USD Primary Location: New York, NY, New York Other Locations: New York-New York,New York-New York,Massachusetts-Boston Organization: Santander Bank N.A.
12/06/2024
Full time
Community Development Finance Underwriter - Associate Country: United States of America Summary The Associate, Community Development Finance Underwriter is responsible for assisting in originating new community development equity investments and loans for the Company's Community Reinvestment Act (CRA) Program. The incumbent will be responsible for underwriting and reviewing CRA qualifying equity investments and loans within the following asset classes: i) multifamily developments financed with Low Income Housing Tax Credits (LIHTC), ii) community development financial institutions (CDFIs), iii) real estate private equity funds, iv) Small Business Investment Corporations (SBIC), iv) New Markets Tax Credits (NMTC), and v) other qualifying assets for Santander Bank, N.A.'s CRA Program. The underwriting process formally assesses the risk of the proposed loans and investments and ensures they conform to Santander's credit risk management standards. Duties include analyzing due diligence items such as market trends, sponsor strength and financial projections; preparing credit write-ups and presenting to approval committees. In addition to the underwriting and review of investments and loans, the CDF Underwriter will also be responsible for monitoring and reporting the existing portfolio to stakeholders within the Bank. Duties & Responsibilities Perform underwriting and credit analysis of CRA qualifying loans and investments; ensure transactions adhere to the Bank's credit policy Prepare approval memos for and presents to various credit committees on current and prospective loans and investments Ensures documentation complies with internal policies and procedures and facilitates management and regulatory reporting Ensures own work is in compliance with applicable laws, regulations and guidelines, as detailed in policies located on the Company Intranet; policies include but are not limited to Fair Lending, Know Your Customer, Bank Secrecy Act and other applicable anti-money-laundering policies Performs site visits related to new and current loans and investments Leads the due diligence process on new investments and loans including conducting due diligence and financial analysis and working with fellow credit professionals to produce summary memos for new investments and loans Monitor the risk profile of the portfolio including risk rating of loans and investments and enforces credit policy compliance, regulatory and legal compliance, credit transaction integrity and completeness of all transactions Keeps abreast of overall trends and best practices in multifamily real estate and affordable housing. Review industry periodicals, Bank portfolio data and other materials/statistics to build and maintain current knowledge of factors that impact Bank's underwriting of its real estate investments Participates in preparing, interpreting and communicating periodic self-assessments of the Company's Community Development Finance portfolio Works with credit, compliance, and internal and external auditors to ensure investments and loans are originated and managed within policy and applicable laws and regulations. Acts as a subject matter expert (SME) while providing leadership, guidance, and mentorship to other team members Qualifications Must possess low income housing tax credit underwriting experience; knowledge of real estate investments and loans including community development financing such as Low-Income Housing Tax Credits, Multifamily Affordable Residential Construction Loans, Private Equity Funds, New Markets Tax Credits and Historic Tax Credits and CDFIs Bachelor's Degree in finance, business, political science or other relevant field, or equivalent work experience 3+ years of experience in affordable housing, economic development or other community development origination, underwriting or portfolio management role Strong analytical and financial skills; knowledge of credit policy and asset management processes Strong verbal and written communication skills as well as strategic planning and management ability Ability to work with third party accounting and legal consultants as well as sophisticated project development consultants and advisors Education Bachelor's Degree or equivalent work experience: Finance, Business, Political Science or other equivalent field Req Skills and Abilities Extensive experience developing and structuring community development finance transactions including LIHTC, NMTC or CDFI lending and investment. Excellent, sales, persuasion and negotiation skills required to represent the Company's interests in negotiations. In-depth knowledge of CRA and Fair Lending regulations required, including HMDA and ECOA. Ability to communicate the organizational CRA strategies, goals, current needs and risk/reward appetite for community development loans and investments to market leadership and business unit managers. Diversity & EEO Statements At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions Frequent Minimal physical effort such as sitting, standing and walking. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders. Employer Rights This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate at any time for any reason. The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Base Pay Range Minimum: $69,375.00 USD Maximum: $121,250.00 USD Primary Location: New York, NY, New York Other Locations: New York-New York,New York-New York,Massachusetts-Boston Organization: Santander Bank N.A.
Community Development Finance Underwriter - Associate Country: United States of America Summary The Associate, Community Development Finance Underwriter is responsible for assisting in originating new community development equity investments and loans for the Company's Community Reinvestment Act (CRA) Program. The incumbent will be responsible for underwriting and reviewing CRA qualifying equity investments and loans within the following asset classes: i) multifamily developments financed with Low Income Housing Tax Credits (LIHTC), ii) community development financial institutions (CDFIs), iii) real estate private equity funds, iv) Small Business Investment Corporations (SBIC), iv) New Markets Tax Credits (NMTC), and v) other qualifying assets for Santander Bank, N.A.'s CRA Program. The underwriting process formally assesses the risk of the proposed loans and investments and ensures they conform to Santander's credit risk management standards. Duties include analyzing due diligence items such as market trends, sponsor strength and financial projections; preparing credit write-ups and presenting to approval committees. In addition to the underwriting and review of investments and loans, the CDF Underwriter will also be responsible for monitoring and reporting the existing portfolio to stakeholders within the Bank. Duties & Responsibilities Perform underwriting and credit analysis of CRA qualifying loans and investments; ensure transactions adhere to the Bank's credit policy Prepare approval memos for and presents to various credit committees on current and prospective loans and investments Ensures documentation complies with internal policies and procedures and facilitates management and regulatory reporting Ensures own work is in compliance with applicable laws, regulations and guidelines, as detailed in policies located on the Company Intranet; policies include but are not limited to Fair Lending, Know Your Customer, Bank Secrecy Act and other applicable anti-money-laundering policies Performs site visits related to new and current loans and investments Leads the due diligence process on new investments and loans including conducting due diligence and financial analysis and working with fellow credit professionals to produce summary memos for new investments and loans Monitor the risk profile of the portfolio including risk rating of loans and investments and enforces credit policy compliance, regulatory and legal compliance, credit transaction integrity and completeness of all transactions Keeps abreast of overall trends and best practices in multifamily real estate and affordable housing. Review industry periodicals, Bank portfolio data and other materials/statistics to build and maintain current knowledge of factors that impact Bank's underwriting of its real estate investments Participates in preparing, interpreting and communicating periodic self-assessments of the Company's Community Development Finance portfolio Works with credit, compliance, and internal and external auditors to ensure investments and loans are originated and managed within policy and applicable laws and regulations. Acts as a subject matter expert (SME) while providing leadership, guidance, and mentorship to other team members Qualifications Must possess low income housing tax credit underwriting experience; knowledge of real estate investments and loans including community development financing such as Low-Income Housing Tax Credits, Multifamily Affordable Residential Construction Loans, Private Equity Funds, New Markets Tax Credits and Historic Tax Credits and CDFIs Bachelor's Degree in finance, business, political science or other relevant field, or equivalent work experience 3+ years of experience in affordable housing, economic development or other community development origination, underwriting or portfolio management role Strong analytical and financial skills; knowledge of credit policy and asset management processes Strong verbal and written communication skills as well as strategic planning and management ability Ability to work with third party accounting and legal consultants as well as sophisticated project development consultants and advisors Education Bachelor's Degree or equivalent work experience: Finance, Business, Political Science or other equivalent field Req Skills and Abilities Extensive experience developing and structuring community development finance transactions including LIHTC, NMTC or CDFI lending and investment. Excellent, sales, persuasion and negotiation skills required to represent the Company's interests in negotiations. In-depth knowledge of CRA and Fair Lending regulations required, including HMDA and ECOA. Ability to communicate the organizational CRA strategies, goals, current needs and risk/reward appetite for community development loans and investments to market leadership and business unit managers. Diversity & EEO Statements At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions Frequent Minimal physical effort such as sitting, standing and walking. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders. Employer Rights This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate at any time for any reason. The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Base Pay Range Minimum: $69,375.00 USD Maximum: $121,250.00 USD Primary Location: New York, NY, New York Other Locations: New York-New York,New York-New York,Massachusetts-Boston Organization: Santander Bank N.A.
12/06/2024
Full time
Community Development Finance Underwriter - Associate Country: United States of America Summary The Associate, Community Development Finance Underwriter is responsible for assisting in originating new community development equity investments and loans for the Company's Community Reinvestment Act (CRA) Program. The incumbent will be responsible for underwriting and reviewing CRA qualifying equity investments and loans within the following asset classes: i) multifamily developments financed with Low Income Housing Tax Credits (LIHTC), ii) community development financial institutions (CDFIs), iii) real estate private equity funds, iv) Small Business Investment Corporations (SBIC), iv) New Markets Tax Credits (NMTC), and v) other qualifying assets for Santander Bank, N.A.'s CRA Program. The underwriting process formally assesses the risk of the proposed loans and investments and ensures they conform to Santander's credit risk management standards. Duties include analyzing due diligence items such as market trends, sponsor strength and financial projections; preparing credit write-ups and presenting to approval committees. In addition to the underwriting and review of investments and loans, the CDF Underwriter will also be responsible for monitoring and reporting the existing portfolio to stakeholders within the Bank. Duties & Responsibilities Perform underwriting and credit analysis of CRA qualifying loans and investments; ensure transactions adhere to the Bank's credit policy Prepare approval memos for and presents to various credit committees on current and prospective loans and investments Ensures documentation complies with internal policies and procedures and facilitates management and regulatory reporting Ensures own work is in compliance with applicable laws, regulations and guidelines, as detailed in policies located on the Company Intranet; policies include but are not limited to Fair Lending, Know Your Customer, Bank Secrecy Act and other applicable anti-money-laundering policies Performs site visits related to new and current loans and investments Leads the due diligence process on new investments and loans including conducting due diligence and financial analysis and working with fellow credit professionals to produce summary memos for new investments and loans Monitor the risk profile of the portfolio including risk rating of loans and investments and enforces credit policy compliance, regulatory and legal compliance, credit transaction integrity and completeness of all transactions Keeps abreast of overall trends and best practices in multifamily real estate and affordable housing. Review industry periodicals, Bank portfolio data and other materials/statistics to build and maintain current knowledge of factors that impact Bank's underwriting of its real estate investments Participates in preparing, interpreting and communicating periodic self-assessments of the Company's Community Development Finance portfolio Works with credit, compliance, and internal and external auditors to ensure investments and loans are originated and managed within policy and applicable laws and regulations. Acts as a subject matter expert (SME) while providing leadership, guidance, and mentorship to other team members Qualifications Must possess low income housing tax credit underwriting experience; knowledge of real estate investments and loans including community development financing such as Low-Income Housing Tax Credits, Multifamily Affordable Residential Construction Loans, Private Equity Funds, New Markets Tax Credits and Historic Tax Credits and CDFIs Bachelor's Degree in finance, business, political science or other relevant field, or equivalent work experience 3+ years of experience in affordable housing, economic development or other community development origination, underwriting or portfolio management role Strong analytical and financial skills; knowledge of credit policy and asset management processes Strong verbal and written communication skills as well as strategic planning and management ability Ability to work with third party accounting and legal consultants as well as sophisticated project development consultants and advisors Education Bachelor's Degree or equivalent work experience: Finance, Business, Political Science or other equivalent field Req Skills and Abilities Extensive experience developing and structuring community development finance transactions including LIHTC, NMTC or CDFI lending and investment. Excellent, sales, persuasion and negotiation skills required to represent the Company's interests in negotiations. In-depth knowledge of CRA and Fair Lending regulations required, including HMDA and ECOA. Ability to communicate the organizational CRA strategies, goals, current needs and risk/reward appetite for community development loans and investments to market leadership and business unit managers. Diversity & EEO Statements At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions Frequent Minimal physical effort such as sitting, standing and walking. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders. Employer Rights This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate at any time for any reason. The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Base Pay Range Minimum: $69,375.00 USD Maximum: $121,250.00 USD Primary Location: New York, NY, New York Other Locations: New York-New York,New York-New York,Massachusetts-Boston Organization: Santander Bank N.A.
Zurich is seeking a highly experienced and motivated Senior or AVP Private/Non-Profit Management Liability Underwriter to join our Mid-Atlantic team out of our Richmond, VA territory office. In this role, you will be responsible for underwriting and managing a portfolio of management liability risks for private and non-profit organizations specifically focusing on Directors and Officers (D&O) Liability, Employment Practices Liability (EPL), Fiduciary Liability, and Crime insurance. You will handle insureds ranging from small, and middle market businesses to large, complex Fortune 500 organizations. You will work closely with brokers, clients, and internal stakeholders to deliver tailored insurance solutions that meet our clients' needs. This role will be filled at either the Senior or AVP Level. The hiring manager will determine the appropriate level based upon the selected applicant's experience and skill set relative to the qualifications listed for this position. Key Responsibilities: Underwrite and manage a portfolio of management liability risks for private and non-profit businesses. Assess and analyze risk information to make informed underwriting decisions. Develop and maintain strong relationships with brokers, clients, and internal stakeholders. Actively pursue new business opportunities and work to expand Zurich's portfolio. Provide technical expertise and guidance to junior underwriters and other team members. Collaborate with the claims and legal teams to ensure effective handling of claims and policy interpretation. Stay current with industry trends, regulatory changes, and market developments. Contribute to the development and implementation of underwriting strategies and initiatives. Participate in client meetings, presentations, and negotiations to secure new business and retain existing accounts. Basic Qualifications: Private/Non-Profit Management Liability Underwriter (Senior): High School Diploma or Equivalent and 5 or more years of experience in the Underwriting or Market Facing area. OR High School Diploma or Equivalent and 10 or more years of experience in the Claims or Underwriting Support area OR Zurich Certified Insurance Apprentice including an Associate Degree and 3 or more years of experience in the Underwriting or Market Facing area OR Zurich Certified Insurance Apprentice including an Associate Degree and 8 or more years of experience in the Claims or Underwriting Support area AND Knowledge of Microsoft Office Experience working on time restraints for quotes on new and renewal business Experience working in a team environment OR Private/Non-Profit Management Liability Underwriter (AVP) High School Diploma or Equivalent and 7 or more years of experience in the Underwriting or Market Facing area. OR High School Diploma or Equivalent and 14 or more years of experience in the Claims or Underwriting Support area OR Zurich Certified Insurance Apprentice including an Associate Degree and 5 or more years of experience in the Underwriting or Market Facing area OR Zurich Certified Insurance Apprentice including an Associate Degree and 12 or more years of experience in the Claims or Underwriting Support area AND Experience with Microsoft Office Preferred Qualifications: Bachelors Degree Advanced knowledge and practice of line/s of business Strong knowledge of underwriting philosophy, techniques, national/local filing regulations and guidelines Ability to effectively assess risk Ability to work in a team-based environment Knowledge of time restraints for quotes on new and renewal business Strong presentation skills As an insurance company, Zurich is subject to 18 U.S. Code 1033. As a condition of employment at Zurich, employees must adhere to any COVID-related health and safety protocols in place at that time ( ). A future with Zurich. What can go right when you apply at Zurich? Now is the time to move forward and make a difference. At Zurich, we want you to share your unique perspectives, experiences and ideas so we can grow and drive sustainable change together. As part of a leading global organization, Zurich North America has over 150 years of experience managing risk and supporting resilience. Today, Zurich North America is a leading provider of commercial property-casualty insurance solutions and a wide range of risk management products and services for businesses and individuals. We serve more than 25 industries, from agriculture to technology, and we insure 90% of the Fortune 500 . Our growth strategy is not limited to our business. As an employer, we strive to provide ongoing career development opportunities, and we foster an environment where voices are diverse, behaviors are inclusive, actions drive equity, and our people feel a sense of belonging. Be a part of the next evolution of the insurance industry. Join us in building a brighter future for our colleagues, our customers and the communities we serve. Zurich maintains a comprehensive employee benefits package for employees as well as eligible dependents and competitive compensation. Please click here to learn more. As a global company, Zurich recognizes the diversity of our workforce as an asset. We recruit talented people from a variety of backgrounds with unique perspectives that are truly welcome here. Taken together, diversity and inclusion bring us closer to our common goal: exceeding our customers' expectations. Zurich does not discriminate on the basis of age, race, ethnicity, color, religion, sex, sexual orientation, gender expression, national origin, disability, protected veteran status or any other legally protected status. EOE disability/vet Zurich does not accept unsolicited resumes from search firms or employment agencies. Any unsolicited resume will become the property of Zurich American Insurance. If you are a preferred vendor, please use our Recruiting Agency Portal for resume submission. Location(s): AM - Virginia Virtual Office Remote Working: Hybrid Schedule: Full Time Employment Sponsorship Offered: No Linkedin Recruiter Tag:
12/05/2024
Full time
Zurich is seeking a highly experienced and motivated Senior or AVP Private/Non-Profit Management Liability Underwriter to join our Mid-Atlantic team out of our Richmond, VA territory office. In this role, you will be responsible for underwriting and managing a portfolio of management liability risks for private and non-profit organizations specifically focusing on Directors and Officers (D&O) Liability, Employment Practices Liability (EPL), Fiduciary Liability, and Crime insurance. You will handle insureds ranging from small, and middle market businesses to large, complex Fortune 500 organizations. You will work closely with brokers, clients, and internal stakeholders to deliver tailored insurance solutions that meet our clients' needs. This role will be filled at either the Senior or AVP Level. The hiring manager will determine the appropriate level based upon the selected applicant's experience and skill set relative to the qualifications listed for this position. Key Responsibilities: Underwrite and manage a portfolio of management liability risks for private and non-profit businesses. Assess and analyze risk information to make informed underwriting decisions. Develop and maintain strong relationships with brokers, clients, and internal stakeholders. Actively pursue new business opportunities and work to expand Zurich's portfolio. Provide technical expertise and guidance to junior underwriters and other team members. Collaborate with the claims and legal teams to ensure effective handling of claims and policy interpretation. Stay current with industry trends, regulatory changes, and market developments. Contribute to the development and implementation of underwriting strategies and initiatives. Participate in client meetings, presentations, and negotiations to secure new business and retain existing accounts. Basic Qualifications: Private/Non-Profit Management Liability Underwriter (Senior): High School Diploma or Equivalent and 5 or more years of experience in the Underwriting or Market Facing area. OR High School Diploma or Equivalent and 10 or more years of experience in the Claims or Underwriting Support area OR Zurich Certified Insurance Apprentice including an Associate Degree and 3 or more years of experience in the Underwriting or Market Facing area OR Zurich Certified Insurance Apprentice including an Associate Degree and 8 or more years of experience in the Claims or Underwriting Support area AND Knowledge of Microsoft Office Experience working on time restraints for quotes on new and renewal business Experience working in a team environment OR Private/Non-Profit Management Liability Underwriter (AVP) High School Diploma or Equivalent and 7 or more years of experience in the Underwriting or Market Facing area. OR High School Diploma or Equivalent and 14 or more years of experience in the Claims or Underwriting Support area OR Zurich Certified Insurance Apprentice including an Associate Degree and 5 or more years of experience in the Underwriting or Market Facing area OR Zurich Certified Insurance Apprentice including an Associate Degree and 12 or more years of experience in the Claims or Underwriting Support area AND Experience with Microsoft Office Preferred Qualifications: Bachelors Degree Advanced knowledge and practice of line/s of business Strong knowledge of underwriting philosophy, techniques, national/local filing regulations and guidelines Ability to effectively assess risk Ability to work in a team-based environment Knowledge of time restraints for quotes on new and renewal business Strong presentation skills As an insurance company, Zurich is subject to 18 U.S. Code 1033. As a condition of employment at Zurich, employees must adhere to any COVID-related health and safety protocols in place at that time ( ). A future with Zurich. What can go right when you apply at Zurich? Now is the time to move forward and make a difference. At Zurich, we want you to share your unique perspectives, experiences and ideas so we can grow and drive sustainable change together. As part of a leading global organization, Zurich North America has over 150 years of experience managing risk and supporting resilience. Today, Zurich North America is a leading provider of commercial property-casualty insurance solutions and a wide range of risk management products and services for businesses and individuals. We serve more than 25 industries, from agriculture to technology, and we insure 90% of the Fortune 500 . Our growth strategy is not limited to our business. As an employer, we strive to provide ongoing career development opportunities, and we foster an environment where voices are diverse, behaviors are inclusive, actions drive equity, and our people feel a sense of belonging. Be a part of the next evolution of the insurance industry. Join us in building a brighter future for our colleagues, our customers and the communities we serve. Zurich maintains a comprehensive employee benefits package for employees as well as eligible dependents and competitive compensation. Please click here to learn more. As a global company, Zurich recognizes the diversity of our workforce as an asset. We recruit talented people from a variety of backgrounds with unique perspectives that are truly welcome here. Taken together, diversity and inclusion bring us closer to our common goal: exceeding our customers' expectations. Zurich does not discriminate on the basis of age, race, ethnicity, color, religion, sex, sexual orientation, gender expression, national origin, disability, protected veteran status or any other legally protected status. EOE disability/vet Zurich does not accept unsolicited resumes from search firms or employment agencies. Any unsolicited resume will become the property of Zurich American Insurance. If you are a preferred vendor, please use our Recruiting Agency Portal for resume submission. Location(s): AM - Virginia Virtual Office Remote Working: Hybrid Schedule: Full Time Employment Sponsorship Offered: No Linkedin Recruiter Tag:
Zurich Insurance Company Ltd.
Washington, Washington DC
Zurich is seeking a highly experienced and motivated Senior or AVP Private/Non-Profit Management Liability Underwriter to join our Mid-Atlantic team out of our DC office. In this role, you will be responsible for underwriting and managing a portfolio of management liability risks for private and non-profit organizations specifically focusing on Directors and Officers (D&O) Liability, Employment Practices Liability (EPL), Fiduciary Liability, and Crime insurance. You will handle insureds ranging from small, and middle market businesses to large, complex Fortune 500 organizations. You will work closely with brokers, clients, and internal stakeholders to deliver tailored insurance solutions that meet our clients' needs. This role will be filled at either the Senior or AVP Level. The hiring manager will determine the appropriate level based upon the selected applicant's experience and skill set relative to the qualifications listed for this position. Key Responsibilities: Underwrite and manage a portfolio of management liability risks for private and non-profit businesses. Assess and analyze risk information to make informed underwriting decisions. Develop and maintain strong relationships with brokers, clients, and internal stakeholders. Actively pursue new business opportunities and work to expand Zurich's portfolio. Provide technical expertise and guidance to junior underwriters and other team members. Collaborate with the claims and legal teams to ensure effective handling of claims and policy interpretation. Stay current with industry trends, regulatory changes, and market developments. Contribute to the development and implementation of underwriting strategies and initiatives. Participate in client meetings, presentations, and negotiations to secure new business and retain existing accounts. Basic Qualifications: Private/Non-Profit Management Liability Underwriter (Senior): High School Diploma or Equivalent and 5 or more years of experience in the Underwriting or Market Facing area. OR High School Diploma or Equivalent and 10 or more years of experience in the Claims or Underwriting Support area OR Zurich Certified Insurance Apprentice including an Associate Degree and 3 or more years of experience in the Underwriting or Market Facing area OR Zurich Certified Insurance Apprentice including an Associate Degree and 8 or more years of experience in the Claims or Underwriting Support area AND Knowledge of Microsoft Office Experience working on time restraints for quotes on new and renewal business Experience working in a team environment OR Private/Non-Profit Management Liability Underwriter (AVP) High School Diploma or Equivalent and 7 or more years of experience in the Underwriting or Market Facing area. OR High School Diploma or Equivalent and 14 or more years of experience in the Claims or Underwriting Support area OR Zurich Certified Insurance Apprentice including an Associate Degree and 5 or more years of experience in the Underwriting or Market Facing area OR Zurich Certified Insurance Apprentice including an Associate Degree and 12 or more years of experience in the Claims or Underwriting Support area AND Experience with Microsoft Office Preferred Qualifications: Bachelors Degree Advanced knowledge and practice of line/s of business Strong knowledge of underwriting philosophy, techniques, national/local filing regulations and guidelines Ability to effectively assess risk Ability to work in a team-based environment Knowledge of time restraints for quotes on new and renewal business Strong presentation skills As an insurance company, Zurich is subject to 18 U.S. Code 1033. As a condition of employment at Zurich, employees must adhere to any COVID-related health and safety protocols in place at that time ( ). A future with Zurich. What can go right when you apply at Zurich? Now is the time to move forward and make a difference. At Zurich, we want you to share your unique perspectives, experiences and ideas so we can grow and drive sustainable change together. As part of a leading global organization, Zurich North America has over 150 years of experience managing risk and supporting resilience. Today, Zurich North America is a leading provider of commercial property-casualty insurance solutions and a wide range of risk management products and services for businesses and individuals. We serve more than 25 industries, from agriculture to technology, and we insure 90% of the Fortune 500 . Our growth strategy is not limited to our business. As an employer, we strive to provide ongoing career development opportunities, and we foster an environment where voices are diverse, behaviors are inclusive, actions drive equity, and our people feel a sense of belonging. Be a part of the next evolution of the insurance industry. Join us in building a brighter future for our colleagues, our customers and the communities we serve. Zurich maintains a comprehensive employee benefits package for employees as well as eligible dependents and competitive compensation. Please click here to learn more. As a global company, Zurich recognizes the diversity of our workforce as an asset. We recruit talented people from a variety of backgrounds with unique perspectives that are truly welcome here. Taken together, diversity and inclusion bring us closer to our common goal: exceeding our customers' expectations. Zurich does not discriminate on the basis of age, race, ethnicity, color, religion, sex, sexual orientation, gender expression, national origin, disability, protected veteran status or any other legally protected status. EOE disability/vet Zurich does not accept unsolicited resumes from search firms or employment agencies. Any unsolicited resume will become the property of Zurich American Insurance. If you are a preferred vendor, please use our Recruiting Agency Portal for resume submission. Location(s): AM - Washington DC Remote Working: Hybrid Schedule: Full Time Employment Sponsorship Offered: No Linkedin Recruiter Tag:
12/05/2024
Full time
Zurich is seeking a highly experienced and motivated Senior or AVP Private/Non-Profit Management Liability Underwriter to join our Mid-Atlantic team out of our DC office. In this role, you will be responsible for underwriting and managing a portfolio of management liability risks for private and non-profit organizations specifically focusing on Directors and Officers (D&O) Liability, Employment Practices Liability (EPL), Fiduciary Liability, and Crime insurance. You will handle insureds ranging from small, and middle market businesses to large, complex Fortune 500 organizations. You will work closely with brokers, clients, and internal stakeholders to deliver tailored insurance solutions that meet our clients' needs. This role will be filled at either the Senior or AVP Level. The hiring manager will determine the appropriate level based upon the selected applicant's experience and skill set relative to the qualifications listed for this position. Key Responsibilities: Underwrite and manage a portfolio of management liability risks for private and non-profit businesses. Assess and analyze risk information to make informed underwriting decisions. Develop and maintain strong relationships with brokers, clients, and internal stakeholders. Actively pursue new business opportunities and work to expand Zurich's portfolio. Provide technical expertise and guidance to junior underwriters and other team members. Collaborate with the claims and legal teams to ensure effective handling of claims and policy interpretation. Stay current with industry trends, regulatory changes, and market developments. Contribute to the development and implementation of underwriting strategies and initiatives. Participate in client meetings, presentations, and negotiations to secure new business and retain existing accounts. Basic Qualifications: Private/Non-Profit Management Liability Underwriter (Senior): High School Diploma or Equivalent and 5 or more years of experience in the Underwriting or Market Facing area. OR High School Diploma or Equivalent and 10 or more years of experience in the Claims or Underwriting Support area OR Zurich Certified Insurance Apprentice including an Associate Degree and 3 or more years of experience in the Underwriting or Market Facing area OR Zurich Certified Insurance Apprentice including an Associate Degree and 8 or more years of experience in the Claims or Underwriting Support area AND Knowledge of Microsoft Office Experience working on time restraints for quotes on new and renewal business Experience working in a team environment OR Private/Non-Profit Management Liability Underwriter (AVP) High School Diploma or Equivalent and 7 or more years of experience in the Underwriting or Market Facing area. OR High School Diploma or Equivalent and 14 or more years of experience in the Claims or Underwriting Support area OR Zurich Certified Insurance Apprentice including an Associate Degree and 5 or more years of experience in the Underwriting or Market Facing area OR Zurich Certified Insurance Apprentice including an Associate Degree and 12 or more years of experience in the Claims or Underwriting Support area AND Experience with Microsoft Office Preferred Qualifications: Bachelors Degree Advanced knowledge and practice of line/s of business Strong knowledge of underwriting philosophy, techniques, national/local filing regulations and guidelines Ability to effectively assess risk Ability to work in a team-based environment Knowledge of time restraints for quotes on new and renewal business Strong presentation skills As an insurance company, Zurich is subject to 18 U.S. Code 1033. As a condition of employment at Zurich, employees must adhere to any COVID-related health and safety protocols in place at that time ( ). A future with Zurich. What can go right when you apply at Zurich? Now is the time to move forward and make a difference. At Zurich, we want you to share your unique perspectives, experiences and ideas so we can grow and drive sustainable change together. As part of a leading global organization, Zurich North America has over 150 years of experience managing risk and supporting resilience. Today, Zurich North America is a leading provider of commercial property-casualty insurance solutions and a wide range of risk management products and services for businesses and individuals. We serve more than 25 industries, from agriculture to technology, and we insure 90% of the Fortune 500 . Our growth strategy is not limited to our business. As an employer, we strive to provide ongoing career development opportunities, and we foster an environment where voices are diverse, behaviors are inclusive, actions drive equity, and our people feel a sense of belonging. Be a part of the next evolution of the insurance industry. Join us in building a brighter future for our colleagues, our customers and the communities we serve. Zurich maintains a comprehensive employee benefits package for employees as well as eligible dependents and competitive compensation. Please click here to learn more. As a global company, Zurich recognizes the diversity of our workforce as an asset. We recruit talented people from a variety of backgrounds with unique perspectives that are truly welcome here. Taken together, diversity and inclusion bring us closer to our common goal: exceeding our customers' expectations. Zurich does not discriminate on the basis of age, race, ethnicity, color, religion, sex, sexual orientation, gender expression, national origin, disability, protected veteran status or any other legally protected status. EOE disability/vet Zurich does not accept unsolicited resumes from search firms or employment agencies. Any unsolicited resume will become the property of Zurich American Insurance. If you are a preferred vendor, please use our Recruiting Agency Portal for resume submission. Location(s): AM - Washington DC Remote Working: Hybrid Schedule: Full Time Employment Sponsorship Offered: No Linkedin Recruiter Tag:
Kalepa Insurance Services, LLC
San Francisco, California
Invest in your career with an industry you can bank on Insurance! We are currently looking for an experienced Management Liability Underwriter Public Company to work out of our Los Angeles, San Francisco, or Denver offices. Your bright ideas and determination will help us drive positive impact with our customers, communities, and each other. Our global footprint and 148 years of experience enable you to develop your skills and put your problem-solving expertise to use while having the opportunity to work with a wide range of Fortune 500 companies. To bring leading talent into the organization and foster a culture of innovation and excellence, we encourage professionals from a wide range of backgrounds and industries to apply and: Join a global company that gives you empowerment over your own activities and decisions. Use your financial/credit/accounting acumen along with your analytical and customer focus to support our team. Have the autonomy and freedom to be successful in your career. Experience a customized training program dedicated to those new joiners outside of the insurance industry. Our Management Liability Underwriters for Public Companies are responsible for: Generating, underwriting, and analyzing Management Liability Risk business for Public Companies. Market facing and production activities. Complying with underwriting rules and guidelines, insurance laws and regulations, and rating manual rules. Developing and maintaining agency and broker relationships. Working within broad limits and authorities on complex assignments. West Region's Public Company D&O portfolio. This role will be filled at either the Senior Level or AVP Level. The hiring manager will determine the appropriate level based upon the selected applicant's experience and skill set relative to the qualifications listed for this position. Basic Qualifications: Senior-Management Liability Underwriter Public Company: High School Diploma or Equivalent and 7 or more years of experience in the Underwriting or Market Facing area. High School Diploma or Equivalent and 14 or more years of experience in the Claims or Underwriting Support area. Zurich Certified Insurance Apprentice including an Associate Degree and 5 or more years of experience in the Underwriting or Market Facing area. Zurich Certified Insurance Apprentice including an Associate Degree and 12 or more years of experience in the Claims or Underwriting Support area. Experience with Microsoft Office. OR AVP-Management Liability Underwriter Public Company: High School Diploma or Equivalent and 7 or more years of experience in the Underwriting, Brokerage, Market Facing area, Accounting, Banking, Risk Management. High School Diploma or Equivalent and 14 or more years of experience in the Claims or Underwriting Support area. Zurich Certified Insurance Apprentice including an Associate Degree and 5 or more years of experience in the Underwriting, Market Facing area, Accounting, Banking, or Risk Management. Zurich Certified Insurance Apprentice including an Associate Degree and 12 or more years of experience in the Claims or Underwriting Support area. Knowledge of line/s of business and the legal and regulatory guidelines. Knowledge of time restraints for quotes on new and renewal business. Experience with Microsoft Office. Preferred Qualifications: Bachelor's Degree. Technical knowledge of D&O, EPL, Fiduciary Liability, Crime, and Transactional lines of coverage. Experience working with large international companies that are publicly traded. Established broker relationships across California but also other Western states. Sales execution mindset. Creative problem-solving skills. Strong verbal and written communication skills. Compensation for roles at Zurich varies depending on a wide array of factors including but not limited to the specific office location, role, skill set, and level of experience. As required by local law, Zurich provides in good faith a reasonable range of compensation for roles. For additional information about our Total Rewards, click here . Other rewards may include short-term incentive bonuses and merit increases. Candidates with salary expectations outside of the range are encouraged to apply and will be considered based on experience, skill, and education. The salary provided is a nationwide market range and has not been adjusted for the applicable geographic differential associated with the location where the position may be filled. The combined salary range for this position is $115,000.00 - $205,000.00. The starting salary range for the Senior-Management Liability Underwriter Public Company is $115,000.00 - $165,000.00 and for the AVP-Management Liability Underwriter Public Company is $150,000.00 - $205,000.00. As a condition of employment at Zurich, employees must adhere to any COVID-related health and safety protocols in place at that time ( ). Now is the time to move forward and make a difference. At Zurich, we want you to share your unique perspectives, experiences, and ideas so we can grow and drive sustainable change together. As part of a leading global organization, Zurich North America has over 150 years of experience managing risk and supporting resilience. We serve more than 25 industries, from agriculture to technology, and we insure 90% of the Fortune 500. Our growth strategy is not limited to our business. As an employer, we strive to provide ongoing career development opportunities and foster an environment where voices are diverse, behaviors are inclusive, actions drive equity, and our people feel a sense of belonging. Be a part of the next evolution of the insurance industry. Join us in building a brighter future for our colleagues, our customers, and the communities we serve. Zurich maintains a comprehensive employee benefits package for employees as well as eligible dependents and competitive compensation. Please click here to learn more. As a global company, Zurich recognizes the diversity of our workforce as an asset. We recruit talented people from a variety of backgrounds with unique perspectives that are truly welcome here. Taken together, diversity and inclusion bring us closer to our common goal: exceeding our customers' expectations. Zurich does not discriminate on the basis of age, race, ethnicity, color, religion, sex, sexual orientation, gender expression, national origin, disability, protected veteran status, or any other legally protected status. EOE disability/vet. Zurich does not accept unsolicited resumes from search firms or employment agencies. Any unsolicited resume will become the property of Zurich American Insurance. If you are a preferred vendor, please use our Recruiting Agency Portal for resume submission. Location(s): AM - San Francisco, AM - Denver, AM - Los Angeles Remote Working: Hybrid Schedule: Full Time Employment Sponsorship Offered: No Linkedin Recruiter Tag:
11/30/2024
Full time
Invest in your career with an industry you can bank on Insurance! We are currently looking for an experienced Management Liability Underwriter Public Company to work out of our Los Angeles, San Francisco, or Denver offices. Your bright ideas and determination will help us drive positive impact with our customers, communities, and each other. Our global footprint and 148 years of experience enable you to develop your skills and put your problem-solving expertise to use while having the opportunity to work with a wide range of Fortune 500 companies. To bring leading talent into the organization and foster a culture of innovation and excellence, we encourage professionals from a wide range of backgrounds and industries to apply and: Join a global company that gives you empowerment over your own activities and decisions. Use your financial/credit/accounting acumen along with your analytical and customer focus to support our team. Have the autonomy and freedom to be successful in your career. Experience a customized training program dedicated to those new joiners outside of the insurance industry. Our Management Liability Underwriters for Public Companies are responsible for: Generating, underwriting, and analyzing Management Liability Risk business for Public Companies. Market facing and production activities. Complying with underwriting rules and guidelines, insurance laws and regulations, and rating manual rules. Developing and maintaining agency and broker relationships. Working within broad limits and authorities on complex assignments. West Region's Public Company D&O portfolio. This role will be filled at either the Senior Level or AVP Level. The hiring manager will determine the appropriate level based upon the selected applicant's experience and skill set relative to the qualifications listed for this position. Basic Qualifications: Senior-Management Liability Underwriter Public Company: High School Diploma or Equivalent and 7 or more years of experience in the Underwriting or Market Facing area. High School Diploma or Equivalent and 14 or more years of experience in the Claims or Underwriting Support area. Zurich Certified Insurance Apprentice including an Associate Degree and 5 or more years of experience in the Underwriting or Market Facing area. Zurich Certified Insurance Apprentice including an Associate Degree and 12 or more years of experience in the Claims or Underwriting Support area. Experience with Microsoft Office. OR AVP-Management Liability Underwriter Public Company: High School Diploma or Equivalent and 7 or more years of experience in the Underwriting, Brokerage, Market Facing area, Accounting, Banking, Risk Management. High School Diploma or Equivalent and 14 or more years of experience in the Claims or Underwriting Support area. Zurich Certified Insurance Apprentice including an Associate Degree and 5 or more years of experience in the Underwriting, Market Facing area, Accounting, Banking, or Risk Management. Zurich Certified Insurance Apprentice including an Associate Degree and 12 or more years of experience in the Claims or Underwriting Support area. Knowledge of line/s of business and the legal and regulatory guidelines. Knowledge of time restraints for quotes on new and renewal business. Experience with Microsoft Office. Preferred Qualifications: Bachelor's Degree. Technical knowledge of D&O, EPL, Fiduciary Liability, Crime, and Transactional lines of coverage. Experience working with large international companies that are publicly traded. Established broker relationships across California but also other Western states. Sales execution mindset. Creative problem-solving skills. Strong verbal and written communication skills. Compensation for roles at Zurich varies depending on a wide array of factors including but not limited to the specific office location, role, skill set, and level of experience. As required by local law, Zurich provides in good faith a reasonable range of compensation for roles. For additional information about our Total Rewards, click here . Other rewards may include short-term incentive bonuses and merit increases. Candidates with salary expectations outside of the range are encouraged to apply and will be considered based on experience, skill, and education. The salary provided is a nationwide market range and has not been adjusted for the applicable geographic differential associated with the location where the position may be filled. The combined salary range for this position is $115,000.00 - $205,000.00. The starting salary range for the Senior-Management Liability Underwriter Public Company is $115,000.00 - $165,000.00 and for the AVP-Management Liability Underwriter Public Company is $150,000.00 - $205,000.00. As a condition of employment at Zurich, employees must adhere to any COVID-related health and safety protocols in place at that time ( ). Now is the time to move forward and make a difference. At Zurich, we want you to share your unique perspectives, experiences, and ideas so we can grow and drive sustainable change together. As part of a leading global organization, Zurich North America has over 150 years of experience managing risk and supporting resilience. We serve more than 25 industries, from agriculture to technology, and we insure 90% of the Fortune 500. Our growth strategy is not limited to our business. As an employer, we strive to provide ongoing career development opportunities and foster an environment where voices are diverse, behaviors are inclusive, actions drive equity, and our people feel a sense of belonging. Be a part of the next evolution of the insurance industry. Join us in building a brighter future for our colleagues, our customers, and the communities we serve. Zurich maintains a comprehensive employee benefits package for employees as well as eligible dependents and competitive compensation. Please click here to learn more. As a global company, Zurich recognizes the diversity of our workforce as an asset. We recruit talented people from a variety of backgrounds with unique perspectives that are truly welcome here. Taken together, diversity and inclusion bring us closer to our common goal: exceeding our customers' expectations. Zurich does not discriminate on the basis of age, race, ethnicity, color, religion, sex, sexual orientation, gender expression, national origin, disability, protected veteran status, or any other legally protected status. EOE disability/vet. Zurich does not accept unsolicited resumes from search firms or employment agencies. Any unsolicited resume will become the property of Zurich American Insurance. If you are a preferred vendor, please use our Recruiting Agency Portal for resume submission. Location(s): AM - San Francisco, AM - Denver, AM - Los Angeles Remote Working: Hybrid Schedule: Full Time Employment Sponsorship Offered: No Linkedin Recruiter Tag:
Commercial Middle Market Underwriter/Portfolio Manager Melville, United States of America Reviews, analyzes and evaluates risks in order to renew existing business or generate new accounts. Determines appropriate terms and conditions for coverages and rates for program profitability. Contributes to the profitable growth of specific program(s) by maintaining pricing integrity, product excellence, and the development of meaningful performance metrics and controls. Underwrites risk (i.e., selection/rejection of new and renewal business). Analyzes quality and quantity of risks underwritten and prepares reports accordingly. Administers and monitors underwriting rules and guidelines, rating manual rules, laws and regulations. Essential Functions/Responsibilities: Spreads and analyzes financials, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting with loan presentations. Manages and services a portfolio of existing loan relationships. Expands and builds relationships with a high degree of resultant customer satisfaction. Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc. Keeps informed of financial and market trends in the portfolio and analyzes those trends for the effect they will have on the portfolio. Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education: Bachelor's Degree or equivalent work experience in Finance, Accounting, Management, Economics or equivalent field. Master's Degree in Finance, Accounting, Management, Economics or equivalent field. (Pref) Work Experience: 9-12 years of hands-on experience underwriting transactions to commercial middle market companies. Skills and Abilities: Strong and extensive financial analysis, structuring, underwriting and portfolio management skills. Skilled in proposing, negotiating and recommending credit and covenant structures. Comfortable in customer contact situations including escalations and potential work-out/loan restructure environments. Demonstrated practical and conceptual knowledge of credit and risk analysis. Demonstrated knowledge in financial modeling and able to structure credit in a modeling environment. Able to assist RM's on how to structure the credit relationship. Exhibits competency at independently reaching conclusions and forms clear view of credit structure and business risk to organization. Solid understanding of industry nuances applicable to the credits contained within the group's portfolio. Solid knowledge of loan and related legal documents. Strong communication skills, and ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions. Must demonstrate strong judgment and sound credit skills. Knowledge of Federal banking regulations. Diversity & EEO Statements: At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate at any time for any reason. This is a hybrid (3 days/week in office) position in either our NYC or Melville, NY office Primary Location: Melville, NY, Melville Other Locations: New York-Melville,New York-New York Organization: Santander Bank N.A.
11/29/2024
Full time
Commercial Middle Market Underwriter/Portfolio Manager Melville, United States of America Reviews, analyzes and evaluates risks in order to renew existing business or generate new accounts. Determines appropriate terms and conditions for coverages and rates for program profitability. Contributes to the profitable growth of specific program(s) by maintaining pricing integrity, product excellence, and the development of meaningful performance metrics and controls. Underwrites risk (i.e., selection/rejection of new and renewal business). Analyzes quality and quantity of risks underwritten and prepares reports accordingly. Administers and monitors underwriting rules and guidelines, rating manual rules, laws and regulations. Essential Functions/Responsibilities: Spreads and analyzes financials, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting with loan presentations. Manages and services a portfolio of existing loan relationships. Expands and builds relationships with a high degree of resultant customer satisfaction. Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc. Keeps informed of financial and market trends in the portfolio and analyzes those trends for the effect they will have on the portfolio. Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education: Bachelor's Degree or equivalent work experience in Finance, Accounting, Management, Economics or equivalent field. Master's Degree in Finance, Accounting, Management, Economics or equivalent field. (Pref) Work Experience: 9-12 years of hands-on experience underwriting transactions to commercial middle market companies. Skills and Abilities: Strong and extensive financial analysis, structuring, underwriting and portfolio management skills. Skilled in proposing, negotiating and recommending credit and covenant structures. Comfortable in customer contact situations including escalations and potential work-out/loan restructure environments. Demonstrated practical and conceptual knowledge of credit and risk analysis. Demonstrated knowledge in financial modeling and able to structure credit in a modeling environment. Able to assist RM's on how to structure the credit relationship. Exhibits competency at independently reaching conclusions and forms clear view of credit structure and business risk to organization. Solid understanding of industry nuances applicable to the credits contained within the group's portfolio. Solid knowledge of loan and related legal documents. Strong communication skills, and ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions. Must demonstrate strong judgment and sound credit skills. Knowledge of Federal banking regulations. Diversity & EEO Statements: At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate at any time for any reason. This is a hybrid (3 days/week in office) position in either our NYC or Melville, NY office Primary Location: Melville, NY, Melville Other Locations: New York-Melville,New York-New York Organization: Santander Bank N.A.
Commercial Middle Market Underwriter/Portfolio Manager Melville, United States of America Reviews, analyzes and evaluates risks in order to renew existing business or generate new accounts. Determines appropriate terms and conditions for coverages and rates for program profitability. Contributes to the profitable growth of specific program(s) by maintaining pricing integrity, product excellence, and the development of meaningful performance metrics and controls. Underwrites risk (i.e., selection/rejection of new and renewal business). Analyzes quality and quantity of risks underwritten and prepares reports accordingly. Administers and monitors underwriting rules and guidelines, rating manual rules, laws and regulations. Essential Functions/Responsibilities: Spreads and analyzes financials, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting with loan presentations. Manages and services a portfolio of existing loan relationships. Expands and builds relationships with a high degree of resultant customer satisfaction. Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc. Keeps informed of financial and market trends in the portfolio and analyzes those trends for the effect they will have on the portfolio. Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education: Bachelor's Degree or equivalent work experience in Finance, Accounting, Management, Economics or equivalent field. Master's Degree in Finance, Accounting, Management, Economics or equivalent field. (Pref) Work Experience: 9-12 years of hands-on experience underwriting transactions to commercial middle market companies. Skills and Abilities: Strong and extensive financial analysis, structuring, underwriting and portfolio management skills. Skilled in proposing, negotiating and recommending credit and covenant structures. Comfortable in customer contact situations including escalations and potential work-out/loan restructure environments. Demonstrated practical and conceptual knowledge of credit and risk analysis. Demonstrated knowledge in financial modeling and able to structure credit in a modeling environment. Able to assist RM's on how to structure the credit relationship. Exhibits competency at independently reaching conclusions and forms clear view of credit structure and business risk to organization. Solid understanding of industry nuances applicable to the credits contained within the group's portfolio. Solid knowledge of loan and related legal documents. Strong communication skills, and ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions. Must demonstrate strong judgment and sound credit skills. Knowledge of Federal banking regulations. Diversity & EEO Statements: At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate at any time for any reason. This is a hybrid (3 days/week in office) position in either our NYC or Melville, NY office Primary Location: Melville, NY, Melville Other Locations: New York-Melville,New York-New York Organization: Santander Bank N.A.
11/29/2024
Full time
Commercial Middle Market Underwriter/Portfolio Manager Melville, United States of America Reviews, analyzes and evaluates risks in order to renew existing business or generate new accounts. Determines appropriate terms and conditions for coverages and rates for program profitability. Contributes to the profitable growth of specific program(s) by maintaining pricing integrity, product excellence, and the development of meaningful performance metrics and controls. Underwrites risk (i.e., selection/rejection of new and renewal business). Analyzes quality and quantity of risks underwritten and prepares reports accordingly. Administers and monitors underwriting rules and guidelines, rating manual rules, laws and regulations. Essential Functions/Responsibilities: Spreads and analyzes financials, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting with loan presentations. Manages and services a portfolio of existing loan relationships. Expands and builds relationships with a high degree of resultant customer satisfaction. Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc. Keeps informed of financial and market trends in the portfolio and analyzes those trends for the effect they will have on the portfolio. Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education: Bachelor's Degree or equivalent work experience in Finance, Accounting, Management, Economics or equivalent field. Master's Degree in Finance, Accounting, Management, Economics or equivalent field. (Pref) Work Experience: 9-12 years of hands-on experience underwriting transactions to commercial middle market companies. Skills and Abilities: Strong and extensive financial analysis, structuring, underwriting and portfolio management skills. Skilled in proposing, negotiating and recommending credit and covenant structures. Comfortable in customer contact situations including escalations and potential work-out/loan restructure environments. Demonstrated practical and conceptual knowledge of credit and risk analysis. Demonstrated knowledge in financial modeling and able to structure credit in a modeling environment. Able to assist RM's on how to structure the credit relationship. Exhibits competency at independently reaching conclusions and forms clear view of credit structure and business risk to organization. Solid understanding of industry nuances applicable to the credits contained within the group's portfolio. Solid knowledge of loan and related legal documents. Strong communication skills, and ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions. Must demonstrate strong judgment and sound credit skills. Knowledge of Federal banking regulations. Diversity & EEO Statements: At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions: Frequent minimal physical effort such as sitting, standing and walking. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders. Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate at any time for any reason. This is a hybrid (3 days/week in office) position in either our NYC or Melville, NY office Primary Location: Melville, NY, Melville Other Locations: New York-Melville,New York-New York Organization: Santander Bank N.A.
201 Third Street (61049), United States of America, San Francisco, California Commercial Real Estate, Director, Lead Underwriter & Portfolio Manager(San Francisco, CA) Commercial Underwriter, Director, Lead Underwriter & Portfolio Manager(San Francisco, CA) The Underwriting and Portfolio Management organization is responsible for working with internal partners to underwrite new transactions and manage the existing portfolio of loans. Our Underwriters and Portfolio Managers balance supporting the Commercial's Bank's growth and ensuring we have a scalable, well-managed business. This role supports Commercial Real Estate As a Lead Underwriter & Portfolio Manager, you are considered a deep subject matter expert in credit risk management balanced with industry expertise. In addition to performing your responsibilities autonomously, you may play a leadership role across deal teams by guiding or shaping less experienced associates. You are trusted to complete complex transactions or solve more unique problems because of your experience and job specific skills. Primary underwriting responsibilities may include : Lead and compile due diligence to draw conclusions on material current and future risks and mitigants; identify performance drivers, project future performance, and anticipate ability to repay debt; apply industry research across transactions and share key takeaways across the organization Oversee deal team(s), including delegating and reviewing work, providing feedback, and coaching and developing less experienced member of the team Leverage deep expertise in industry trends and market analysis to present findings and potential opportunities to senior management with ease Anticipate questions that will be raised during deal review and approval meetings Assist and develop procedures to ensure less experienced team members understand financial statement analysis and cash flow analysis Review financial models independently and incorporate complex structures or nuances Propose appropriate structuring options in tandem with deal team Interpret pricing model outputs in context of business return hurdles and consider areas for increasing returns Write and prepare all parts of the credit approval document independently; identify need for supplemental analysis and discussion; review work of less experienced members of the team Oversee closing process requirements; review closing memo Lead documentation process and negotiate provisions of term sheets, commitment letters, and fee letters with internal and external counsel as well as clients Independently lead all aspects of process for complex deals, including special circumstances, higher approval requirements, and setting overall expectations Primary portfolio or asset management responsibilities may include : Manage most complex or highest risk portfolio of accounts independently including amendments, refinancing, and recaps; review portfolios of less experienced team members; review and monitor health of portfolio accounts, drive customer retention and performance against expectations Proactively anticipate issues, draw parallels from other accounts to own account; resolve problem accounts in partnership with other teams and specialists Review and approve annual reviews and both material and non-material modifications Facilitate and leads quarterly portfolio reviews; prepare watch and criticized reports for quarterly meetings & annual reviews Review past due reporting, covenants, and payments and remediate with the appropriate party Ensure portfolio data is accurate, timely, and complete to ensure strong quality and reporting capabilities Additional Responsibilities may include: Build relationships across function and business to foster collaboration between partner groups Interact directly with customers to cultivate strong relationships while balancing risk and return Consult with legal or Special Assets Department Mentor and train rotational analysts and new hires Participate in internal initiatives to ensure the business is well-managed and operates efficiently Ensure compliance with credit policies and procedures Basic Qualifications: Bachelor's Degree or Military Experience At least 8 years of experience in Commercial Real Estate credit underwriting or portfolio-asset management Preferred Qualifications: Bachelor's Degree in Accounting, Finance, or other relevant fields At least 10 years of experience in credit underwriting or portfolio-asset management Previous leadership experience with deal teams or analysts Strong real estate market knowledge specific to San Francisco/Bay Area and the Pacific Northwest. At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
09/26/2021
201 Third Street (61049), United States of America, San Francisco, California Commercial Real Estate, Director, Lead Underwriter & Portfolio Manager(San Francisco, CA) Commercial Underwriter, Director, Lead Underwriter & Portfolio Manager(San Francisco, CA) The Underwriting and Portfolio Management organization is responsible for working with internal partners to underwrite new transactions and manage the existing portfolio of loans. Our Underwriters and Portfolio Managers balance supporting the Commercial's Bank's growth and ensuring we have a scalable, well-managed business. This role supports Commercial Real Estate As a Lead Underwriter & Portfolio Manager, you are considered a deep subject matter expert in credit risk management balanced with industry expertise. In addition to performing your responsibilities autonomously, you may play a leadership role across deal teams by guiding or shaping less experienced associates. You are trusted to complete complex transactions or solve more unique problems because of your experience and job specific skills. Primary underwriting responsibilities may include : Lead and compile due diligence to draw conclusions on material current and future risks and mitigants; identify performance drivers, project future performance, and anticipate ability to repay debt; apply industry research across transactions and share key takeaways across the organization Oversee deal team(s), including delegating and reviewing work, providing feedback, and coaching and developing less experienced member of the team Leverage deep expertise in industry trends and market analysis to present findings and potential opportunities to senior management with ease Anticipate questions that will be raised during deal review and approval meetings Assist and develop procedures to ensure less experienced team members understand financial statement analysis and cash flow analysis Review financial models independently and incorporate complex structures or nuances Propose appropriate structuring options in tandem with deal team Interpret pricing model outputs in context of business return hurdles and consider areas for increasing returns Write and prepare all parts of the credit approval document independently; identify need for supplemental analysis and discussion; review work of less experienced members of the team Oversee closing process requirements; review closing memo Lead documentation process and negotiate provisions of term sheets, commitment letters, and fee letters with internal and external counsel as well as clients Independently lead all aspects of process for complex deals, including special circumstances, higher approval requirements, and setting overall expectations Primary portfolio or asset management responsibilities may include : Manage most complex or highest risk portfolio of accounts independently including amendments, refinancing, and recaps; review portfolios of less experienced team members; review and monitor health of portfolio accounts, drive customer retention and performance against expectations Proactively anticipate issues, draw parallels from other accounts to own account; resolve problem accounts in partnership with other teams and specialists Review and approve annual reviews and both material and non-material modifications Facilitate and leads quarterly portfolio reviews; prepare watch and criticized reports for quarterly meetings & annual reviews Review past due reporting, covenants, and payments and remediate with the appropriate party Ensure portfolio data is accurate, timely, and complete to ensure strong quality and reporting capabilities Additional Responsibilities may include: Build relationships across function and business to foster collaboration between partner groups Interact directly with customers to cultivate strong relationships while balancing risk and return Consult with legal or Special Assets Department Mentor and train rotational analysts and new hires Participate in internal initiatives to ensure the business is well-managed and operates efficiently Ensure compliance with credit policies and procedures Basic Qualifications: Bachelor's Degree or Military Experience At least 8 years of experience in Commercial Real Estate credit underwriting or portfolio-asset management Preferred Qualifications: Bachelor's Degree in Accounting, Finance, or other relevant fields At least 10 years of experience in credit underwriting or portfolio-asset management Previous leadership experience with deal teams or analysts Strong real estate market knowledge specific to San Francisco/Bay Area and the Pacific Northwest. At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
201 Third Street (61049), United States of America, San Francisco, California Commercial Real Estate, Director, Lead Underwriter & Portfolio Manager(San Francisco, CA) Commercial Underwriter, Director, Lead Underwriter & Portfolio Manager(San Francisco, CA) The Underwriting and Portfolio Management organization is responsible for working with internal partners to underwrite new transactions and manage the existing portfolio of loans. Our Underwriters and Portfolio Managers balance supporting the Commercial's Bank's growth and ensuring we have a scalable, well-managed business. This role supports Commercial Real Estate As a Lead Underwriter & Portfolio Manager, you are considered a deep subject matter expert in credit risk management balanced with industry expertise. In addition to performing your responsibilities autonomously, you may play a leadership role across deal teams by guiding or shaping less experienced associates. You are trusted to complete complex transactions or solve more unique problems because of your experience and job specific skills. Primary underwriting responsibilities may include : Lead and compile due diligence to draw conclusions on material current and future risks and mitigants; identify performance drivers, project future performance, and anticipate ability to repay debt; apply industry research across transactions and share key takeaways across the organization Oversee deal team(s), including delegating and reviewing work, providing feedback, and coaching and developing less experienced member of the team Leverage deep expertise in industry trends and market analysis to present findings and potential opportunities to senior management with ease Anticipate questions that will be raised during deal review and approval meetings Assist and develop procedures to ensure less experienced team members understand financial statement analysis and cash flow analysis Review financial models independently and incorporate complex structures or nuances Propose appropriate structuring options in tandem with deal team Interpret pricing model outputs in context of business return hurdles and consider areas for increasing returns Write and prepare all parts of the credit approval document independently; identify need for supplemental analysis and discussion; review work of less experienced members of the team Oversee closing process requirements; review closing memo Lead documentation process and negotiate provisions of term sheets, commitment letters, and fee letters with internal and external counsel as well as clients Independently lead all aspects of process for complex deals, including special circumstances, higher approval requirements, and setting overall expectations Primary portfolio or asset management responsibilities may include : Manage most complex or highest risk portfolio of accounts independently including amendments, refinancing, and recaps; review portfolios of less experienced team members; review and monitor health of portfolio accounts, drive customer retention and performance against expectations Proactively anticipate issues, draw parallels from other accounts to own account; resolve problem accounts in partnership with other teams and specialists Review and approve annual reviews and both material and non-material modifications Facilitate and leads quarterly portfolio reviews; prepare watch and criticized reports for quarterly meetings & annual reviews Review past due reporting, covenants, and payments and remediate with the appropriate party Ensure portfolio data is accurate, timely, and complete to ensure strong quality and reporting capabilities Additional Responsibilities may include: Build relationships across function and business to foster collaboration between partner groups Interact directly with customers to cultivate strong relationships while balancing risk and return Consult with legal or Special Assets Department Mentor and train rotational analysts and new hires Participate in internal initiatives to ensure the business is well-managed and operates efficiently Ensure compliance with credit policies and procedures Basic Qualifications: Bachelor's Degree or Military Experience At least 8 years of experience in Commercial Real Estate credit underwriting or portfolio-asset management Preferred Qualifications: Bachelor's Degree in Accounting, Finance, or other relevant fields At least 10 years of experience in credit underwriting or portfolio-asset management Previous leadership experience with deal teams or analysts Strong real estate market knowledge specific to San Francisco/Bay Area and the Pacific Northwest. At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
09/25/2021
201 Third Street (61049), United States of America, San Francisco, California Commercial Real Estate, Director, Lead Underwriter & Portfolio Manager(San Francisco, CA) Commercial Underwriter, Director, Lead Underwriter & Portfolio Manager(San Francisco, CA) The Underwriting and Portfolio Management organization is responsible for working with internal partners to underwrite new transactions and manage the existing portfolio of loans. Our Underwriters and Portfolio Managers balance supporting the Commercial's Bank's growth and ensuring we have a scalable, well-managed business. This role supports Commercial Real Estate As a Lead Underwriter & Portfolio Manager, you are considered a deep subject matter expert in credit risk management balanced with industry expertise. In addition to performing your responsibilities autonomously, you may play a leadership role across deal teams by guiding or shaping less experienced associates. You are trusted to complete complex transactions or solve more unique problems because of your experience and job specific skills. Primary underwriting responsibilities may include : Lead and compile due diligence to draw conclusions on material current and future risks and mitigants; identify performance drivers, project future performance, and anticipate ability to repay debt; apply industry research across transactions and share key takeaways across the organization Oversee deal team(s), including delegating and reviewing work, providing feedback, and coaching and developing less experienced member of the team Leverage deep expertise in industry trends and market analysis to present findings and potential opportunities to senior management with ease Anticipate questions that will be raised during deal review and approval meetings Assist and develop procedures to ensure less experienced team members understand financial statement analysis and cash flow analysis Review financial models independently and incorporate complex structures or nuances Propose appropriate structuring options in tandem with deal team Interpret pricing model outputs in context of business return hurdles and consider areas for increasing returns Write and prepare all parts of the credit approval document independently; identify need for supplemental analysis and discussion; review work of less experienced members of the team Oversee closing process requirements; review closing memo Lead documentation process and negotiate provisions of term sheets, commitment letters, and fee letters with internal and external counsel as well as clients Independently lead all aspects of process for complex deals, including special circumstances, higher approval requirements, and setting overall expectations Primary portfolio or asset management responsibilities may include : Manage most complex or highest risk portfolio of accounts independently including amendments, refinancing, and recaps; review portfolios of less experienced team members; review and monitor health of portfolio accounts, drive customer retention and performance against expectations Proactively anticipate issues, draw parallels from other accounts to own account; resolve problem accounts in partnership with other teams and specialists Review and approve annual reviews and both material and non-material modifications Facilitate and leads quarterly portfolio reviews; prepare watch and criticized reports for quarterly meetings & annual reviews Review past due reporting, covenants, and payments and remediate with the appropriate party Ensure portfolio data is accurate, timely, and complete to ensure strong quality and reporting capabilities Additional Responsibilities may include: Build relationships across function and business to foster collaboration between partner groups Interact directly with customers to cultivate strong relationships while balancing risk and return Consult with legal or Special Assets Department Mentor and train rotational analysts and new hires Participate in internal initiatives to ensure the business is well-managed and operates efficiently Ensure compliance with credit policies and procedures Basic Qualifications: Bachelor's Degree or Military Experience At least 8 years of experience in Commercial Real Estate credit underwriting or portfolio-asset management Preferred Qualifications: Bachelor's Degree in Accounting, Finance, or other relevant fields At least 10 years of experience in credit underwriting or portfolio-asset management Previous leadership experience with deal teams or analysts Strong real estate market knowledge specific to San Francisco/Bay Area and the Pacific Northwest. At this time, Capital One will not sponsor a new applicant for employment authorization for this position.
The Travelers Companies, Inc.
Saint Paul, Minnesota
Company Summary Taking care of our customers, our communities and each other. That's the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 160 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it. Target Openings 1 Job Description Summary Under limited supervision, responsible for the production and retention of a profitable book of business within an assigned territory that is consistent with Bond & Specialty Insurance and Business Unit strategies and objectives. Is responsible for managing a small group of more junior underwriters in one or more locations. Primary Job Duties & Responsibilities General Responsibilities: Underwriting new and renewal business. Building and maintaining productive relationships with agents and brokers. Consistently achieving superior budgeted financial results. Collaborating with Business Unit and region colleagues as well as internal/external business associates. Sales, agency development and management. Portfolio management at the BU strategy level. Managing a staff. This includes mentoring, training, planning and performance management in a supportive, team-oriented collaborative manner. Time spent is split between managing a book of business and managing/leading employees. Underwriting & Pricing: Underwrites and assesses risk for large renewals and new business items in conjunction with BU strategies. Considers different approaches toward risks to maximize profitability. Makes appropriate decisions within own underwriting authority. Underwrites the most demanding and most complex accounts/risks. Manages the submission and underwriting process for own agency plant. Is a region/group resource for less experienced underwriters. Can easily articulate whether or not account is within or outside underwriting appetite/strategy, along with the reasons for that determination. Is seen as a teacher to less experienced underwriters regarding appetite/strategy. Independently sets account strategy, and may partner with MD to set strategy for the group/Regional BU. Makes recommendations to underwriter 2, as appropriate. As Underwriter 2, ensures that policies and accounts are effectively underwritten handled and documented in compliance with Business Unit and regulatory standards and requirements. Calculates key ratios and the most complex financial metrics, drawing conclusions about the financial health of an account; In addition to, or in lieu of, financials, may review other key metrics; makes decisions regarding pricing, capacity, terms and conditions based on those analyses on the most complex accounts. Proactively collaborates with regional and Home Office underwriters. Maintains accurate underwriting documentation and information. Meets quality assurance standards. Is a region/group resident expert and is seen as a leader in the marketplace/agency plant. May be seen as an industry expert. Underwriting Operations: Manages flow of new and renewal business. Coaches/manages others on operational standards and workflow. Agency Management/Relationship Building: Leads agency training sessions. Is sought out by broker/agent for his/her expertise regarding industry and local issues. Primary agency or broker relationship is producer/internal broker. Sales Management/Marketing: Leverages agent/broker relationships to drive new business opportunities via existing relationships as well as where there is no existing relationship; continually prospects for new opportunities. Achieves and/or surpasses agency/broker visibility goals. Acts as a business partner to agents and brokers. Minimum Qualifications A minimum of 4 years of underwriting experience is required. A current/valid drivers license is required. Education, Work Experience, & Knowledge 6+ years of underwriting experience preferred. Bachelor degree preferred. Industry Knowledge: Understands industry business operations and work methods, critical business issues and financial drivers that affect the Company, Business Unit, region and local office. Demonstrates an understanding of the local insurance marketplace and effectively uses that knowledge to the Company's advantage; continuously seeks out local market insight from others; is routinely sought out by others as a knowledge resource; coaches / mentors less experienced employees on a regular basis. Product Knowledge: Resident expert on Business Unit products/coverages and pricing and the links to strategy. Is routinely sought out by others as a knowledge resource; coaches / mentors less experienced employees on a regular basis. Understands organizational and regulatory rules, policies and procedures and effectively employs that knowledge in day-to-day work. Licensing or Certificates A current/valid drivers license is required. Job Specific Technical Skills & Competencies Able to proficiently use all Bond and Specialty Insurance technology tools. Can resolve significant conflict within and outside the organization without damaging relationships; is routinely sought out by others as a knowledge resource; coaching/mentors others regarding successful negotiations. Able to use effective strategies to facilitate organizational change initiatives and overcome resistance to change. Is skilled at analyzing problems and making clear decisions. Can align resources to accomplish key objectives; can assign clear accountability for important objectives. Understands the perspectives of different functional areas in the organization; has a firm grasp of external conditions affecting the organization. Able to maintain smooth, effective working relationships; promotes effective teamwork. Knows how to build and maintain working relationships with co-workers and external parties; can negotiate and handle work problems without alienating people; understands others and is able to get their cooperation in non-authority relationships. Can work effectively with people who differ in race, gender, culture, age, or background; able to leverage the unique talents of others to enhance organizational effectiveness. Able to delegate to employees effectively, can broaden employee opportunities, acts with fairness toward direct reports, and can hire talented people for his/her team. Able to coach and encourage employees to develop in their careers. Can express ideas clearly and concisely; able to disseminate information about decisions, plans and activities. Has effective listening skills and can communication to involve others, build consensus, and influence others in decision making. Employment Practices Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences. If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you. Travelers reserves the right to fill this position at a level above or below the level included in this posting. Experience : 0
09/25/2021
Full time
Company Summary Taking care of our customers, our communities and each other. That's the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 160 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it. Target Openings 1 Job Description Summary Under limited supervision, responsible for the production and retention of a profitable book of business within an assigned territory that is consistent with Bond & Specialty Insurance and Business Unit strategies and objectives. Is responsible for managing a small group of more junior underwriters in one or more locations. Primary Job Duties & Responsibilities General Responsibilities: Underwriting new and renewal business. Building and maintaining productive relationships with agents and brokers. Consistently achieving superior budgeted financial results. Collaborating with Business Unit and region colleagues as well as internal/external business associates. Sales, agency development and management. Portfolio management at the BU strategy level. Managing a staff. This includes mentoring, training, planning and performance management in a supportive, team-oriented collaborative manner. Time spent is split between managing a book of business and managing/leading employees. Underwriting & Pricing: Underwrites and assesses risk for large renewals and new business items in conjunction with BU strategies. Considers different approaches toward risks to maximize profitability. Makes appropriate decisions within own underwriting authority. Underwrites the most demanding and most complex accounts/risks. Manages the submission and underwriting process for own agency plant. Is a region/group resource for less experienced underwriters. Can easily articulate whether or not account is within or outside underwriting appetite/strategy, along with the reasons for that determination. Is seen as a teacher to less experienced underwriters regarding appetite/strategy. Independently sets account strategy, and may partner with MD to set strategy for the group/Regional BU. Makes recommendations to underwriter 2, as appropriate. As Underwriter 2, ensures that policies and accounts are effectively underwritten handled and documented in compliance with Business Unit and regulatory standards and requirements. Calculates key ratios and the most complex financial metrics, drawing conclusions about the financial health of an account; In addition to, or in lieu of, financials, may review other key metrics; makes decisions regarding pricing, capacity, terms and conditions based on those analyses on the most complex accounts. Proactively collaborates with regional and Home Office underwriters. Maintains accurate underwriting documentation and information. Meets quality assurance standards. Is a region/group resident expert and is seen as a leader in the marketplace/agency plant. May be seen as an industry expert. Underwriting Operations: Manages flow of new and renewal business. Coaches/manages others on operational standards and workflow. Agency Management/Relationship Building: Leads agency training sessions. Is sought out by broker/agent for his/her expertise regarding industry and local issues. Primary agency or broker relationship is producer/internal broker. Sales Management/Marketing: Leverages agent/broker relationships to drive new business opportunities via existing relationships as well as where there is no existing relationship; continually prospects for new opportunities. Achieves and/or surpasses agency/broker visibility goals. Acts as a business partner to agents and brokers. Minimum Qualifications A minimum of 4 years of underwriting experience is required. A current/valid drivers license is required. Education, Work Experience, & Knowledge 6+ years of underwriting experience preferred. Bachelor degree preferred. Industry Knowledge: Understands industry business operations and work methods, critical business issues and financial drivers that affect the Company, Business Unit, region and local office. Demonstrates an understanding of the local insurance marketplace and effectively uses that knowledge to the Company's advantage; continuously seeks out local market insight from others; is routinely sought out by others as a knowledge resource; coaches / mentors less experienced employees on a regular basis. Product Knowledge: Resident expert on Business Unit products/coverages and pricing and the links to strategy. Is routinely sought out by others as a knowledge resource; coaches / mentors less experienced employees on a regular basis. Understands organizational and regulatory rules, policies and procedures and effectively employs that knowledge in day-to-day work. Licensing or Certificates A current/valid drivers license is required. Job Specific Technical Skills & Competencies Able to proficiently use all Bond and Specialty Insurance technology tools. Can resolve significant conflict within and outside the organization without damaging relationships; is routinely sought out by others as a knowledge resource; coaching/mentors others regarding successful negotiations. Able to use effective strategies to facilitate organizational change initiatives and overcome resistance to change. Is skilled at analyzing problems and making clear decisions. Can align resources to accomplish key objectives; can assign clear accountability for important objectives. Understands the perspectives of different functional areas in the organization; has a firm grasp of external conditions affecting the organization. Able to maintain smooth, effective working relationships; promotes effective teamwork. Knows how to build and maintain working relationships with co-workers and external parties; can negotiate and handle work problems without alienating people; understands others and is able to get their cooperation in non-authority relationships. Can work effectively with people who differ in race, gender, culture, age, or background; able to leverage the unique talents of others to enhance organizational effectiveness. Able to delegate to employees effectively, can broaden employee opportunities, acts with fairness toward direct reports, and can hire talented people for his/her team. Able to coach and encourage employees to develop in their careers. Can express ideas clearly and concisely; able to disseminate information about decisions, plans and activities. Has effective listening skills and can communication to involve others, build consensus, and influence others in decision making. Employment Practices Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences. If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you. Travelers reserves the right to fill this position at a level above or below the level included in this posting. Experience : 0
The Hinton Group - Senior Life Insurance Company
Chicago, Illinois
Why Work Here?"Fun company atmosphere with regular events, competitions, and fellowship opportunities"It's no doubt that 2020 has been a challenging year for all of us. But if you are searching for a fresh start and an amazing opportunity to turn your life around, Senior Life has your answer. In 2021, Senior Life Insurance Company will unveil the most lucrative compensation plan in the final expense industry. Under this new, groundbreaking plan, every agent has the opportunity to earn up to 150% first year commission. This type of commission structure is unheard of in the final expense industry…until now.Senior Life Insurance Company is doing a nationwide recruiting search for licensed life insurance agents. Besides our amazing compensation plan, there are many other benefits to joining Senior Life.The Senior Life Difference• Senior Life is a company built upon licensed agents, so we understand firsthand what you need to be successful.• We send leads straight to your phone.• We equip agents with cutting-edge technology and a comprehensive product portfolio that makes closing the sale simple and easy.• Our experienced leadership team provides guidance and counsel to help you build your own Agency.• We offer five different income streams, including stock ownership to reward yourentrepreneurial efforts.We provide a 100% health benefit plan for you and your family.• High achievers can take advantage of rewards clubs and incentive trips to exotic locations across the globe.• Our flexible work environment allows you to work from home at times that best suit your schedule and lifestyle.• You are able to have a fulfilling career helping people in their moment of greatest need: the loss of a loved one.What is required?· Agents must have or be willing to obtain a life insurance license· Agents must demonstrate a strong work ethic· Agents must be coachable· Agents must be reliable and responsible· Agents must possess an entrepreneurial mindsetWhat is not required?· College degree or higher education· Formal sales training· Prior experience selling insurance· A 9-to-5 schedule in an officeNow is the time to create a successful business for yourself and a strong financial future for your family. Don't let the hardship and uncertainty of 2020 hold you back. It's time to take a chance on yourself and make it happen. With the ability to grow and build all across the country, you can create an unstoppable team. At Senior Life, we have been dreaming and achieving since 1990. Reignite your dreams and take advantage of the most aggressive compensation plan in the industry by joining Senior Life today.Offers extensive support, mentorship, and training; but experience in the following areas is a plus:Life insurance, field underwriter, mortgage protection, sales, customer service, computer, management, retail, engineer, medical, marketing, pest control, alarms, home security, dish network, direct tv, windows, doors, promotion, call center, telemarketing, solar, time share, timeshare, travel, real estate, mortgage broker, outside sales, inside sales, insurance sales, auto glass sales, door to door, roofing sales, ac sales, air conditioning sales, pharmaceutical sales, car sales, boat sales, rv sale, finance, financial advisor, solar, photovoltaic, printer sales, copy machine sales, window sales, water treatment sales, radiant barrier sales, solar water heating, water softener sales, pool sales, stealth, going green solar, pure solar, landscaping sales, software sales, leasing agent, property manager sales, procurement, recruiting, recruiter, placement specialist, sears sales, kitchen sales, sharp, energy expert, consultant, car sales, auto sales, boat sales, relationship sales, and mortgage sales.About The Senior Life Group 23:Description:Our President and CEO spent years in the field as final expense life insurance agents. In 2000, they were so successful they were able to purchase an insurance company and renamed it Senior Life Insurance Company. At the time, we were licensed in just six states. Today, we are licensed in 40 states plus Washington DC and on pace to be nationwide. Our company was created by agents, for agents, to allow them to succeed. We were created with an agent's perspective so regardless of what their goals are, whether it's to be an individual producer, or to grow a large organization, we've been in their shoes. We are here to help show them how to create the business they dream about!
09/25/2021
Why Work Here?"Fun company atmosphere with regular events, competitions, and fellowship opportunities"It's no doubt that 2020 has been a challenging year for all of us. But if you are searching for a fresh start and an amazing opportunity to turn your life around, Senior Life has your answer. In 2021, Senior Life Insurance Company will unveil the most lucrative compensation plan in the final expense industry. Under this new, groundbreaking plan, every agent has the opportunity to earn up to 150% first year commission. This type of commission structure is unheard of in the final expense industry…until now.Senior Life Insurance Company is doing a nationwide recruiting search for licensed life insurance agents. Besides our amazing compensation plan, there are many other benefits to joining Senior Life.The Senior Life Difference• Senior Life is a company built upon licensed agents, so we understand firsthand what you need to be successful.• We send leads straight to your phone.• We equip agents with cutting-edge technology and a comprehensive product portfolio that makes closing the sale simple and easy.• Our experienced leadership team provides guidance and counsel to help you build your own Agency.• We offer five different income streams, including stock ownership to reward yourentrepreneurial efforts.We provide a 100% health benefit plan for you and your family.• High achievers can take advantage of rewards clubs and incentive trips to exotic locations across the globe.• Our flexible work environment allows you to work from home at times that best suit your schedule and lifestyle.• You are able to have a fulfilling career helping people in their moment of greatest need: the loss of a loved one.What is required?· Agents must have or be willing to obtain a life insurance license· Agents must demonstrate a strong work ethic· Agents must be coachable· Agents must be reliable and responsible· Agents must possess an entrepreneurial mindsetWhat is not required?· College degree or higher education· Formal sales training· Prior experience selling insurance· A 9-to-5 schedule in an officeNow is the time to create a successful business for yourself and a strong financial future for your family. Don't let the hardship and uncertainty of 2020 hold you back. It's time to take a chance on yourself and make it happen. With the ability to grow and build all across the country, you can create an unstoppable team. At Senior Life, we have been dreaming and achieving since 1990. Reignite your dreams and take advantage of the most aggressive compensation plan in the industry by joining Senior Life today.Offers extensive support, mentorship, and training; but experience in the following areas is a plus:Life insurance, field underwriter, mortgage protection, sales, customer service, computer, management, retail, engineer, medical, marketing, pest control, alarms, home security, dish network, direct tv, windows, doors, promotion, call center, telemarketing, solar, time share, timeshare, travel, real estate, mortgage broker, outside sales, inside sales, insurance sales, auto glass sales, door to door, roofing sales, ac sales, air conditioning sales, pharmaceutical sales, car sales, boat sales, rv sale, finance, financial advisor, solar, photovoltaic, printer sales, copy machine sales, window sales, water treatment sales, radiant barrier sales, solar water heating, water softener sales, pool sales, stealth, going green solar, pure solar, landscaping sales, software sales, leasing agent, property manager sales, procurement, recruiting, recruiter, placement specialist, sears sales, kitchen sales, sharp, energy expert, consultant, car sales, auto sales, boat sales, relationship sales, and mortgage sales.About The Senior Life Group 23:Description:Our President and CEO spent years in the field as final expense life insurance agents. In 2000, they were so successful they were able to purchase an insurance company and renamed it Senior Life Insurance Company. At the time, we were licensed in just six states. Today, we are licensed in 40 states plus Washington DC and on pace to be nationwide. Our company was created by agents, for agents, to allow them to succeed. We were created with an agent's perspective so regardless of what their goals are, whether it's to be an individual producer, or to grow a large organization, we've been in their shoes. We are here to help show them how to create the business they dream about!
The Travelers Companies, Inc.
Hartford, Connecticut
Company Summary Taking care of our customers, our communities and each other. That's the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 160 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it. Target Openings 1 Job Description Summary Under general supervision, has joint responsibility with the field AE partner for the profitability, growth and retention of aligned book of business within a territory that is consistent with overall business line objectives. Marketing and underwriting responsibilities typically include: Underwriting business on lower touch, eligible accounts with moderate complexity. As a representative of the company, virtually markets to and develops relationships with agents and brokers. Works with field AEs as appropriate to support market penetration objectives and seeks out cross-sell opportunities. Works in small teams to manage aligned territory. May occasionally seek assistance from a senior level Account Executive or manager on more challenging accounts. Takes a portfolio view of their book of business to manage profitability. Travelers offers a hybrid work location model that is designed to support flexibility. Primary Job Duties & Responsibilities Underwriting and Pricing: Underwrites primarily moderately complex accounts and risks and considers different approaches toward risks to maximize profitability (e.g., pricing, retention, endorsements, limits, indemnity, security). Uses good judgment in making decisions within own underwriting authority and makes recommendations on other accounts to meet business objectives. Is comfortable doing this in a fast paced environment. Initiates collaborative discussions. Desk Management: Efficiently manages the life cycle of aligned book in accordance with established workflow guidelines. Distribution and Agency Management: Effectively manages assigned agents/brokers by developing and maintaining relationships to write and retain accounts consistent with business unit appetite. Virtually builds and maintains customer satisfaction with cohesive communications, products and services that are consistent with the Business Center quality and productivity goals. Sales: Uses consultative marketing/ sales skills and successfully employs a consultative selling approach to virtually market products to agents and brokers. In partnership with the field, executes sales strategies to achieve targeted growth strategies. Negotiation: Negotiates skillfully in difficult situations. Executes Strategy and Drives Results: Develops and executes on a plan to meet business objectives. Anticipates and identifies moderately complex underwriting/marketing problems, thoroughly analyzes available information and makes timely practical decisions. Business Planning and Collaboration: Fosters collaboration within the business center and across the enterprise. Seeks enterprise-wide solutions to business problems. Assists less experienced employees when appropriate. Leading Others: In addition to leading self, may coach less experienced staff members. May participate in the training of less experienced Account Executives. Minimum Qualifications 2 years of Account Executive/underwriting experience required. Relevant agent/broker experience may be appropriate. Education, Work Experience, & Knowledge Bachelor degree preferred. Typically has 3-5 years of relevant Account Executive experience. Previous multi-line underwriting preferred. Industry/Business Knowledge: Understands the local insurance marketplace, industry business operations, critical issues and financial drivers that affect the region and local office. Continuously seeks out market insight and uses acquired knowledge to assist less experienced employees. Product Knowledge: Understands organizational and regulatory rules, policies and procedures and effectively employs that knowledge in day-to-day work activities. Uses acquired skills and knowledge to assist less experienced employees. Licensing or Certificates CPCU designation preferred. Job Specific Technical Skills & Competencies Business Perspective: Uses knowledge of internal and external factors impacting the property & casualty industry to make decisions. Analytical Thinking/Financial Acumen: Identifies current or future problems or opportunities, analyzes, synthesizes and compares information to understand issues, identifies cause/effect relationships and explores alternative solutions to support sound decision making. Understands and uses financial information, tools and expense management principles to accomplish day-to-day work and maximize profitability. Relationship Management: Seeks out, builds, fosters and maintains productive relationships, networks or alliances to meet goals and achieve results. Employment Practices Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences. If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you. Travelers reserves the right to fill this position at a level above or below the level included in this posting. Experience : 0
09/25/2021
Full time
Company Summary Taking care of our customers, our communities and each other. That's the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 160 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it. Target Openings 1 Job Description Summary Under general supervision, has joint responsibility with the field AE partner for the profitability, growth and retention of aligned book of business within a territory that is consistent with overall business line objectives. Marketing and underwriting responsibilities typically include: Underwriting business on lower touch, eligible accounts with moderate complexity. As a representative of the company, virtually markets to and develops relationships with agents and brokers. Works with field AEs as appropriate to support market penetration objectives and seeks out cross-sell opportunities. Works in small teams to manage aligned territory. May occasionally seek assistance from a senior level Account Executive or manager on more challenging accounts. Takes a portfolio view of their book of business to manage profitability. Travelers offers a hybrid work location model that is designed to support flexibility. Primary Job Duties & Responsibilities Underwriting and Pricing: Underwrites primarily moderately complex accounts and risks and considers different approaches toward risks to maximize profitability (e.g., pricing, retention, endorsements, limits, indemnity, security). Uses good judgment in making decisions within own underwriting authority and makes recommendations on other accounts to meet business objectives. Is comfortable doing this in a fast paced environment. Initiates collaborative discussions. Desk Management: Efficiently manages the life cycle of aligned book in accordance with established workflow guidelines. Distribution and Agency Management: Effectively manages assigned agents/brokers by developing and maintaining relationships to write and retain accounts consistent with business unit appetite. Virtually builds and maintains customer satisfaction with cohesive communications, products and services that are consistent with the Business Center quality and productivity goals. Sales: Uses consultative marketing/ sales skills and successfully employs a consultative selling approach to virtually market products to agents and brokers. In partnership with the field, executes sales strategies to achieve targeted growth strategies. Negotiation: Negotiates skillfully in difficult situations. Executes Strategy and Drives Results: Develops and executes on a plan to meet business objectives. Anticipates and identifies moderately complex underwriting/marketing problems, thoroughly analyzes available information and makes timely practical decisions. Business Planning and Collaboration: Fosters collaboration within the business center and across the enterprise. Seeks enterprise-wide solutions to business problems. Assists less experienced employees when appropriate. Leading Others: In addition to leading self, may coach less experienced staff members. May participate in the training of less experienced Account Executives. Minimum Qualifications 2 years of Account Executive/underwriting experience required. Relevant agent/broker experience may be appropriate. Education, Work Experience, & Knowledge Bachelor degree preferred. Typically has 3-5 years of relevant Account Executive experience. Previous multi-line underwriting preferred. Industry/Business Knowledge: Understands the local insurance marketplace, industry business operations, critical issues and financial drivers that affect the region and local office. Continuously seeks out market insight and uses acquired knowledge to assist less experienced employees. Product Knowledge: Understands organizational and regulatory rules, policies and procedures and effectively employs that knowledge in day-to-day work activities. Uses acquired skills and knowledge to assist less experienced employees. Licensing or Certificates CPCU designation preferred. Job Specific Technical Skills & Competencies Business Perspective: Uses knowledge of internal and external factors impacting the property & casualty industry to make decisions. Analytical Thinking/Financial Acumen: Identifies current or future problems or opportunities, analyzes, synthesizes and compares information to understand issues, identifies cause/effect relationships and explores alternative solutions to support sound decision making. Understands and uses financial information, tools and expense management principles to accomplish day-to-day work and maximize profitability. Relationship Management: Seeks out, builds, fosters and maintains productive relationships, networks or alliances to meet goals and achieve results. Employment Practices Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences. If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you. Travelers reserves the right to fill this position at a level above or below the level included in this posting. Experience : 0
The Hinton Group - Senior Life Insurance Company
Philadelphia, Pennsylvania
Why Work Here?"Fun company atmosphere with regular events, competitions, and fellowship opportunities"It's no doubt that 2020 has been a challenging year for all of us. But if you are searching for a fresh start and an amazing opportunity to turn your life around, Senior Life has your answer. In 2021, Senior Life Insurance Company will unveil the most lucrative compensation plan in the final expense industry. Under this new, groundbreaking plan, every agent has the opportunity to earn up to 150% first year commission. This type of commission structure is unheard of in the final expense industry…until now.Senior Life Insurance Company is doing a nationwide recruiting search for licensed life insurance agents. Besides our amazing compensation plan, there are many other benefits to joining Senior Life.The Senior Life Difference• Senior Life is a company built upon licensed agents, so we understand firsthand what you need to be successful.• We send leads straight to your phone.• We equip agents with cutting-edge technology and a comprehensive product portfolio that makes closing the sale simple and easy.• Our experienced leadership team provides guidance and counsel to help you build your own Agency.• We offer five different income streams, including stock ownership to reward yourentrepreneurial efforts.We provide a 100% health benefit plan for you and your family.• High achievers can take advantage of rewards clubs and incentive trips to exotic locations across the globe.• Our flexible work environment allows you to work from home at times that best suit your schedule and lifestyle.• You are able to have a fulfilling career helping people in their moment of greatest need: the loss of a loved one.What is required?· Agents must have or be willing to obtain a life insurance license· Agents must demonstrate a strong work ethic· Agents must be coachable· Agents must be reliable and responsible· Agents must possess an entrepreneurial mindsetWhat is not required?· College degree or higher education· Formal sales training· Prior experience selling insurance· A 9-to-5 schedule in an officeNow is the time to create a successful business for yourself and a strong financial future for your family. Don't let the hardship and uncertainty of 2020 hold you back. It's time to take a chance on yourself and make it happen. With the ability to grow and build all across the country, you can create an unstoppable team. At Senior Life, we have been dreaming and achieving since 1990. Reignite your dreams and take advantage of the most aggressive compensation plan in the industry by joining Senior Life today.Offers extensive support, mentorship, and training; but experience in the following areas is a plus:Life insurance, field underwriter, mortgage protection, sales, customer service, computer, management, retail, engineer, medical, marketing, pest control, alarms, home security, dish network, direct tv, windows, doors, promotion, call center, telemarketing, solar, time share, timeshare, travel, real estate, mortgage broker, outside sales, inside sales, insurance sales, auto glass sales, door to door, roofing sales, ac sales, air conditioning sales, pharmaceutical sales, car sales, boat sales, rv sale, finance, financial advisor, solar, photovoltaic, printer sales, copy machine sales, window sales, water treatment sales, radiant barrier sales, solar water heating, water softener sales, pool sales, stealth, going green solar, pure solar, landscaping sales, software sales, leasing agent, property manager sales, procurement, recruiting, recruiter, placement specialist, sears sales, kitchen sales, sharp, energy expert, consultant, car sales, auto sales, boat sales, relationship sales, and mortgage sales.About The Senior Life Group 23:Description:Our President and CEO spent years in the field as final expense life insurance agents. In 2000, they were so successful they were able to purchase an insurance company and renamed it Senior Life Insurance Company. At the time, we were licensed in just six states. Today, we are licensed in 40 states plus Washington DC and on pace to be nationwide. Our company was created by agents, for agents, to allow them to succeed. We were created with an agent's perspective so regardless of what their goals are, whether it's to be an individual producer, or to grow a large organization, we've been in their shoes. We are here to help show them how to create the business they dream about!
09/25/2021
Why Work Here?"Fun company atmosphere with regular events, competitions, and fellowship opportunities"It's no doubt that 2020 has been a challenging year for all of us. But if you are searching for a fresh start and an amazing opportunity to turn your life around, Senior Life has your answer. In 2021, Senior Life Insurance Company will unveil the most lucrative compensation plan in the final expense industry. Under this new, groundbreaking plan, every agent has the opportunity to earn up to 150% first year commission. This type of commission structure is unheard of in the final expense industry…until now.Senior Life Insurance Company is doing a nationwide recruiting search for licensed life insurance agents. Besides our amazing compensation plan, there are many other benefits to joining Senior Life.The Senior Life Difference• Senior Life is a company built upon licensed agents, so we understand firsthand what you need to be successful.• We send leads straight to your phone.• We equip agents with cutting-edge technology and a comprehensive product portfolio that makes closing the sale simple and easy.• Our experienced leadership team provides guidance and counsel to help you build your own Agency.• We offer five different income streams, including stock ownership to reward yourentrepreneurial efforts.We provide a 100% health benefit plan for you and your family.• High achievers can take advantage of rewards clubs and incentive trips to exotic locations across the globe.• Our flexible work environment allows you to work from home at times that best suit your schedule and lifestyle.• You are able to have a fulfilling career helping people in their moment of greatest need: the loss of a loved one.What is required?· Agents must have or be willing to obtain a life insurance license· Agents must demonstrate a strong work ethic· Agents must be coachable· Agents must be reliable and responsible· Agents must possess an entrepreneurial mindsetWhat is not required?· College degree or higher education· Formal sales training· Prior experience selling insurance· A 9-to-5 schedule in an officeNow is the time to create a successful business for yourself and a strong financial future for your family. Don't let the hardship and uncertainty of 2020 hold you back. It's time to take a chance on yourself and make it happen. With the ability to grow and build all across the country, you can create an unstoppable team. At Senior Life, we have been dreaming and achieving since 1990. Reignite your dreams and take advantage of the most aggressive compensation plan in the industry by joining Senior Life today.Offers extensive support, mentorship, and training; but experience in the following areas is a plus:Life insurance, field underwriter, mortgage protection, sales, customer service, computer, management, retail, engineer, medical, marketing, pest control, alarms, home security, dish network, direct tv, windows, doors, promotion, call center, telemarketing, solar, time share, timeshare, travel, real estate, mortgage broker, outside sales, inside sales, insurance sales, auto glass sales, door to door, roofing sales, ac sales, air conditioning sales, pharmaceutical sales, car sales, boat sales, rv sale, finance, financial advisor, solar, photovoltaic, printer sales, copy machine sales, window sales, water treatment sales, radiant barrier sales, solar water heating, water softener sales, pool sales, stealth, going green solar, pure solar, landscaping sales, software sales, leasing agent, property manager sales, procurement, recruiting, recruiter, placement specialist, sears sales, kitchen sales, sharp, energy expert, consultant, car sales, auto sales, boat sales, relationship sales, and mortgage sales.About The Senior Life Group 23:Description:Our President and CEO spent years in the field as final expense life insurance agents. In 2000, they were so successful they were able to purchase an insurance company and renamed it Senior Life Insurance Company. At the time, we were licensed in just six states. Today, we are licensed in 40 states plus Washington DC and on pace to be nationwide. Our company was created by agents, for agents, to allow them to succeed. We were created with an agent's perspective so regardless of what their goals are, whether it's to be an individual producer, or to grow a large organization, we've been in their shoes. We are here to help show them how to create the business they dream about!
The Hinton Group - Senior Life Insurance Company
Houston, Texas
Why Work Here?"Fun company atmosphere with regular events, competitions, and fellowship opportunities"It's no doubt that 2020 has been a challenging year for all of us. But if you are searching for a fresh start and an amazing opportunity to turn your life around, Senior Life has your answer. In 2021, Senior Life Insurance Company will unveil the most lucrative compensation plan in the final expense industry. Under this new, groundbreaking plan, every agent has the opportunity to earn up to 150% first year commission. This type of commission structure is unheard of in the final expense industry…until now.Senior Life Insurance Company is doing a nationwide recruiting search for licensed life insurance agents. Besides our amazing compensation plan, there are many other benefits to joining Senior Life.The Senior Life Difference• Senior Life is a company built upon licensed agents, so we understand firsthand what you need to be successful.• We send leads straight to your phone.• We equip agents with cutting-edge technology and a comprehensive product portfolio that makes closing the sale simple and easy.• Our experienced leadership team provides guidance and counsel to help you build your own Agency.• We offer five different income streams, including stock ownership to reward yourentrepreneurial efforts.We provide a 100% health benefit plan for you and your family.• High achievers can take advantage of rewards clubs and incentive trips to exotic locations across the globe.• Our flexible work environment allows you to work from home at times that best suit your schedule and lifestyle.• You are able to have a fulfilling career helping people in their moment of greatest need: the loss of a loved one.What is required?· Agents must have or be willing to obtain a life insurance license· Agents must demonstrate a strong work ethic· Agents must be coachable· Agents must be reliable and responsible· Agents must possess an entrepreneurial mindsetWhat is not required?· College degree or higher education· Formal sales training· Prior experience selling insurance· A 9-to-5 schedule in an officeNow is the time to create a successful business for yourself and a strong financial future for your family. Don't let the hardship and uncertainty of 2020 hold you back. It's time to take a chance on yourself and make it happen. With the ability to grow and build all across the country, you can create an unstoppable team. At Senior Life, we have been dreaming and achieving since 1990. Reignite your dreams and take advantage of the most aggressive compensation plan in the industry by joining Senior Life today.Offers extensive support, mentorship, and training; but experience in the following areas is a plus:Life insurance, field underwriter, mortgage protection, sales, customer service, computer, management, retail, engineer, medical, marketing, pest control, alarms, home security, dish network, direct tv, windows, doors, promotion, call center, telemarketing, solar, time share, timeshare, travel, real estate, mortgage broker, outside sales, inside sales, insurance sales, auto glass sales, door to door, roofing sales, ac sales, air conditioning sales, pharmaceutical sales, car sales, boat sales, rv sale, finance, financial advisor, solar, photovoltaic, printer sales, copy machine sales, window sales, water treatment sales, radiant barrier sales, solar water heating, water softener sales, pool sales, stealth, going green solar, pure solar, landscaping sales, software sales, leasing agent, property manager sales, procurement, recruiting, recruiter, placement specialist, sears sales, kitchen sales, sharp, energy expert, consultant, car sales, auto sales, boat sales, relationship sales, and mortgage sales.About The Senior Life Group 23:Description:Our President and CEO spent years in the field as final expense life insurance agents. In 2000, they were so successful they were able to purchase an insurance company and renamed it Senior Life Insurance Company. At the time, we were licensed in just six states. Today, we are licensed in 40 states plus Washington DC and on pace to be nationwide. Our company was created by agents, for agents, to allow them to succeed. We were created with an agent's perspective so regardless of what their goals are, whether it's to be an individual producer, or to grow a large organization, we've been in their shoes. We are here to help show them how to create the business they dream about!
09/24/2021
Why Work Here?"Fun company atmosphere with regular events, competitions, and fellowship opportunities"It's no doubt that 2020 has been a challenging year for all of us. But if you are searching for a fresh start and an amazing opportunity to turn your life around, Senior Life has your answer. In 2021, Senior Life Insurance Company will unveil the most lucrative compensation plan in the final expense industry. Under this new, groundbreaking plan, every agent has the opportunity to earn up to 150% first year commission. This type of commission structure is unheard of in the final expense industry…until now.Senior Life Insurance Company is doing a nationwide recruiting search for licensed life insurance agents. Besides our amazing compensation plan, there are many other benefits to joining Senior Life.The Senior Life Difference• Senior Life is a company built upon licensed agents, so we understand firsthand what you need to be successful.• We send leads straight to your phone.• We equip agents with cutting-edge technology and a comprehensive product portfolio that makes closing the sale simple and easy.• Our experienced leadership team provides guidance and counsel to help you build your own Agency.• We offer five different income streams, including stock ownership to reward yourentrepreneurial efforts.We provide a 100% health benefit plan for you and your family.• High achievers can take advantage of rewards clubs and incentive trips to exotic locations across the globe.• Our flexible work environment allows you to work from home at times that best suit your schedule and lifestyle.• You are able to have a fulfilling career helping people in their moment of greatest need: the loss of a loved one.What is required?· Agents must have or be willing to obtain a life insurance license· Agents must demonstrate a strong work ethic· Agents must be coachable· Agents must be reliable and responsible· Agents must possess an entrepreneurial mindsetWhat is not required?· College degree or higher education· Formal sales training· Prior experience selling insurance· A 9-to-5 schedule in an officeNow is the time to create a successful business for yourself and a strong financial future for your family. Don't let the hardship and uncertainty of 2020 hold you back. It's time to take a chance on yourself and make it happen. With the ability to grow and build all across the country, you can create an unstoppable team. At Senior Life, we have been dreaming and achieving since 1990. Reignite your dreams and take advantage of the most aggressive compensation plan in the industry by joining Senior Life today.Offers extensive support, mentorship, and training; but experience in the following areas is a plus:Life insurance, field underwriter, mortgage protection, sales, customer service, computer, management, retail, engineer, medical, marketing, pest control, alarms, home security, dish network, direct tv, windows, doors, promotion, call center, telemarketing, solar, time share, timeshare, travel, real estate, mortgage broker, outside sales, inside sales, insurance sales, auto glass sales, door to door, roofing sales, ac sales, air conditioning sales, pharmaceutical sales, car sales, boat sales, rv sale, finance, financial advisor, solar, photovoltaic, printer sales, copy machine sales, window sales, water treatment sales, radiant barrier sales, solar water heating, water softener sales, pool sales, stealth, going green solar, pure solar, landscaping sales, software sales, leasing agent, property manager sales, procurement, recruiting, recruiter, placement specialist, sears sales, kitchen sales, sharp, energy expert, consultant, car sales, auto sales, boat sales, relationship sales, and mortgage sales.About The Senior Life Group 23:Description:Our President and CEO spent years in the field as final expense life insurance agents. In 2000, they were so successful they were able to purchase an insurance company and renamed it Senior Life Insurance Company. At the time, we were licensed in just six states. Today, we are licensed in 40 states plus Washington DC and on pace to be nationwide. Our company was created by agents, for agents, to allow them to succeed. We were created with an agent's perspective so regardless of what their goals are, whether it's to be an individual producer, or to grow a large organization, we've been in their shoes. We are here to help show them how to create the business they dream about!
Faircloth Marketing Group - Senior Life Insurance Company
Atlanta, Georgia
Why Work Here?"Fun company atmosphere with regular events, competitions, and fellowship opportunities"It's no doubt that 2020 has been a challenging year for all of us. But if you are searching for a fresh start and an amazing opportunity to turn your life around, Senior Life has your answer. In 2021, Senior Life Insurance Company will unveil the most lucrative compensation plan in the final expense industry. Under this new, groundbreaking plan, every agent has the opportunity to earn up to 150% first year commission. This type of commission structure is unheard of in the final expense industry…until now.Senior Life Insurance Company is doing a nationwide recruiting search for licensed life insurance agents. Besides our amazing compensation plan, there are many other benefits to joining Senior Life.The Senior Life Difference• Senior Life is a company built upon licensed agents, so we understand firsthand what you need to be successful.• We send leads straight to your phone.• We equip agents with cutting-edge technology and a comprehensive product portfolio that makes closing the sale simple and easy.• Our experienced leadership team provides guidance and counsel to help you build your own Agency.• We offer five different income streams, including stock ownership to reward yourentrepreneurial efforts.We provide a 100% health benefit plan for you and your family.• High achievers can take advantage of rewards clubs and incentive trips to exotic locations across the globe.• Our flexible work environment allows you to work from home at times that best suit your schedule and lifestyle.• You are able to have a fulfilling career helping people in their moment of greatest need: the loss of a loved one.What is required?· Agents must have or be willing to obtain a life insurance license· Agents must demonstrate a strong work ethic· Agents must be coachable· Agents must be reliable and responsible· Agents must possess an entrepreneurial mindsetWhat is not required?· College degree or higher education· Formal sales training· Prior experience selling insurance· A 9-to-5 schedule in an officeNow is the time to create a successful business for yourself and a strong financial future for your family. Don't let the hardship and uncertainty of 2020 hold you back. It's time to take a chance on yourself and make it happen. With the ability to grow and build all across the country, you can create an unstoppable team. At Senior Life, we have been dreaming and achieving since 1990. Reignite your dreams and take advantage of the most aggressive compensation plan in the industry by joining Senior Life today.Offers extensive support, mentorship, and training; but experience in the following areas is a plus:Life insurance, field underwriter, mortgage protection, sales, customer service, computer, management, retail, engineer, medical, marketing, pest control, alarms, home security, dish network, direct tv, windows, doors, promotion, call center, telemarketing, solar, time share, timeshare, travel, real estate, mortgage broker, outside sales, inside sales, insurance sales, auto glass sales, door to door, roofing sales, ac sales, air conditioning sales, pharmaceutical sales, car sales, boat sales, rv sale, finance, financial advisor, solar, photovoltaic, printer sales, copy machine sales, window sales, water treatment sales, radiant barrier sales, solar water heating, water softener sales, pool sales, stealth, going green solar, pure solar, landscaping sales, software sales, leasing agent, property manager sales, procurement, recruiting, recruiter, placement specialist, sears sales, kitchen sales, sharp, energy expert, consultant, car sales, auto sales, boat sales, relationship sales, and mortgage sales.About The Senior Life Group 23:Description:Our President and CEO spent years in the field as final expense life insurance agents. In 2000, they were so successful they were able to purchase an insurance company and renamed it Senior Life Insurance Company. At the time, we were licensed in just six states. Today, we are licensed in 40 states plus Washington DC and on pace to be nationwide. Our company was created by agents, for agents, to allow them to succeed. We were created with an agent's perspective so regardless of what their goals are, whether it's to be an individual producer, or to grow a large organization, we've been in their shoes. We are here to help show them how to create the business they dream about!
09/24/2021
Why Work Here?"Fun company atmosphere with regular events, competitions, and fellowship opportunities"It's no doubt that 2020 has been a challenging year for all of us. But if you are searching for a fresh start and an amazing opportunity to turn your life around, Senior Life has your answer. In 2021, Senior Life Insurance Company will unveil the most lucrative compensation plan in the final expense industry. Under this new, groundbreaking plan, every agent has the opportunity to earn up to 150% first year commission. This type of commission structure is unheard of in the final expense industry…until now.Senior Life Insurance Company is doing a nationwide recruiting search for licensed life insurance agents. Besides our amazing compensation plan, there are many other benefits to joining Senior Life.The Senior Life Difference• Senior Life is a company built upon licensed agents, so we understand firsthand what you need to be successful.• We send leads straight to your phone.• We equip agents with cutting-edge technology and a comprehensive product portfolio that makes closing the sale simple and easy.• Our experienced leadership team provides guidance and counsel to help you build your own Agency.• We offer five different income streams, including stock ownership to reward yourentrepreneurial efforts.We provide a 100% health benefit plan for you and your family.• High achievers can take advantage of rewards clubs and incentive trips to exotic locations across the globe.• Our flexible work environment allows you to work from home at times that best suit your schedule and lifestyle.• You are able to have a fulfilling career helping people in their moment of greatest need: the loss of a loved one.What is required?· Agents must have or be willing to obtain a life insurance license· Agents must demonstrate a strong work ethic· Agents must be coachable· Agents must be reliable and responsible· Agents must possess an entrepreneurial mindsetWhat is not required?· College degree or higher education· Formal sales training· Prior experience selling insurance· A 9-to-5 schedule in an officeNow is the time to create a successful business for yourself and a strong financial future for your family. Don't let the hardship and uncertainty of 2020 hold you back. It's time to take a chance on yourself and make it happen. With the ability to grow and build all across the country, you can create an unstoppable team. At Senior Life, we have been dreaming and achieving since 1990. Reignite your dreams and take advantage of the most aggressive compensation plan in the industry by joining Senior Life today.Offers extensive support, mentorship, and training; but experience in the following areas is a plus:Life insurance, field underwriter, mortgage protection, sales, customer service, computer, management, retail, engineer, medical, marketing, pest control, alarms, home security, dish network, direct tv, windows, doors, promotion, call center, telemarketing, solar, time share, timeshare, travel, real estate, mortgage broker, outside sales, inside sales, insurance sales, auto glass sales, door to door, roofing sales, ac sales, air conditioning sales, pharmaceutical sales, car sales, boat sales, rv sale, finance, financial advisor, solar, photovoltaic, printer sales, copy machine sales, window sales, water treatment sales, radiant barrier sales, solar water heating, water softener sales, pool sales, stealth, going green solar, pure solar, landscaping sales, software sales, leasing agent, property manager sales, procurement, recruiting, recruiter, placement specialist, sears sales, kitchen sales, sharp, energy expert, consultant, car sales, auto sales, boat sales, relationship sales, and mortgage sales.About The Senior Life Group 23:Description:Our President and CEO spent years in the field as final expense life insurance agents. In 2000, they were so successful they were able to purchase an insurance company and renamed it Senior Life Insurance Company. At the time, we were licensed in just six states. Today, we are licensed in 40 states plus Washington DC and on pace to be nationwide. Our company was created by agents, for agents, to allow them to succeed. We were created with an agent's perspective so regardless of what their goals are, whether it's to be an individual producer, or to grow a large organization, we've been in their shoes. We are here to help show them how to create the business they dream about!
The Travelers Companies, Inc.
Hartford, Connecticut
Company Summary Taking care of our customers, our communities and each other. That's the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 160 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it. Target Openings 1 Job Description Summary Underwrite new and renewal business in a Business Unit for assigned offices. Considers all strategic aspects of the situation and can make independent decisions within underwriting authority. Assist field office in achieving their budgeted financial results (premium, loss ratio, retention, commissions, pricing, and new business) through execution of Business Unit strategies. Support sales goals and plans of field offices and help build and maintain producer relationships. Communicate product information and strategies to field offices and provide technical leadership. Travelers offers a hybrid work location model that is designed to support flexibility. Primary Job Duties & Responsibilities Underwriting Responsibilities: Underwrite and assess risk for Bond and Specialty Insurance and accounts in a Business Unit. Make appropriate decisions within own underwriting authority and make appropriate recommendations to referral Underwriter. Underwrite most complex/demanding accounts and risks and consider different approaches toward risks to maximize profitability (e.g., pricing, retention, endorsements, limits, indemnity, and security) by considering all factors related to the account. Within authority limit, make timely and prudent decisions consistent with Bond and Specialty Insurance Business Unit requirements and standards and within submission timeframe. Understand and communicate segment strategies to the field. Execute strategies on their accounts to produce budgeted results. Actively seek feedback regarding strategies and work with the field to take actions necessary to address issues. Portfolio Management - Continuously manage portfolio of business (maintain quality of business required by Business Unit strategy). Accountable for accurate underwriting documentation/ information in account management systems and adherence to documentation standards. Monitors and reports on finding for the field. Act as the Hub or industry/subject resident expert. As the referral Underwriter, assure that policies and accounts are effectively underwritten, handled and documented in compliance with Business Unit and regulatory standards and requirements. Sales Management Responsibilities: Act as a partner with the Field to review sales plans and determine appropriate levels of Home Office visibility to support producer relationships. Work strategically and tactically with producers to ensure appropriate level of understanding of company goals and objectives. May participate with Field on account specific direct sales efforts to influence the outcome of the sale. Partner with the Field Office on sensitive account specific communication and participate in the communication if necessary. Support and encourage cross sell opportunities within Bond and Specialty Insurance and Travelers. Participate in producer and industry functions to increase visibility in the marketplace, network with key players in the territory and industry, and increase knowledge of the industry. Producer and account interaction focuses on meeting customer expectations regarding response time and knowledge of products and business. Operations Responsibilities: Maintain a collaborative relationship with Field Office and Home Office (i.e. Claim, Legal) colleagues. Actively participate in Business Unit and Hub meetings. Demonstrate superior responsiveness to the Field (consistency, quick response, knowledge of products). Interact and participate on national projects having an impact on the business. Leads projects as required. Execute on policies, procedures, and strategies. Minimum Qualifications Minimum of 5 years of equivalent work and/or industry experience. Environmental / Work Schedules / Other Operates standard office equipment. Requires extended periods of computer use. Requires extended periods of sitting. Location Primarily Hartford based It is preferred that the candidate lives on EST or CST zone. Employment Practices Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences. If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you. Travelers reserves the right to fill this position at a level above or below the level included in this posting. Experience : 0
09/24/2021
Full time
Company Summary Taking care of our customers, our communities and each other. That's the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 160 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it. Target Openings 1 Job Description Summary Underwrite new and renewal business in a Business Unit for assigned offices. Considers all strategic aspects of the situation and can make independent decisions within underwriting authority. Assist field office in achieving their budgeted financial results (premium, loss ratio, retention, commissions, pricing, and new business) through execution of Business Unit strategies. Support sales goals and plans of field offices and help build and maintain producer relationships. Communicate product information and strategies to field offices and provide technical leadership. Travelers offers a hybrid work location model that is designed to support flexibility. Primary Job Duties & Responsibilities Underwriting Responsibilities: Underwrite and assess risk for Bond and Specialty Insurance and accounts in a Business Unit. Make appropriate decisions within own underwriting authority and make appropriate recommendations to referral Underwriter. Underwrite most complex/demanding accounts and risks and consider different approaches toward risks to maximize profitability (e.g., pricing, retention, endorsements, limits, indemnity, and security) by considering all factors related to the account. Within authority limit, make timely and prudent decisions consistent with Bond and Specialty Insurance Business Unit requirements and standards and within submission timeframe. Understand and communicate segment strategies to the field. Execute strategies on their accounts to produce budgeted results. Actively seek feedback regarding strategies and work with the field to take actions necessary to address issues. Portfolio Management - Continuously manage portfolio of business (maintain quality of business required by Business Unit strategy). Accountable for accurate underwriting documentation/ information in account management systems and adherence to documentation standards. Monitors and reports on finding for the field. Act as the Hub or industry/subject resident expert. As the referral Underwriter, assure that policies and accounts are effectively underwritten, handled and documented in compliance with Business Unit and regulatory standards and requirements. Sales Management Responsibilities: Act as a partner with the Field to review sales plans and determine appropriate levels of Home Office visibility to support producer relationships. Work strategically and tactically with producers to ensure appropriate level of understanding of company goals and objectives. May participate with Field on account specific direct sales efforts to influence the outcome of the sale. Partner with the Field Office on sensitive account specific communication and participate in the communication if necessary. Support and encourage cross sell opportunities within Bond and Specialty Insurance and Travelers. Participate in producer and industry functions to increase visibility in the marketplace, network with key players in the territory and industry, and increase knowledge of the industry. Producer and account interaction focuses on meeting customer expectations regarding response time and knowledge of products and business. Operations Responsibilities: Maintain a collaborative relationship with Field Office and Home Office (i.e. Claim, Legal) colleagues. Actively participate in Business Unit and Hub meetings. Demonstrate superior responsiveness to the Field (consistency, quick response, knowledge of products). Interact and participate on national projects having an impact on the business. Leads projects as required. Execute on policies, procedures, and strategies. Minimum Qualifications Minimum of 5 years of equivalent work and/or industry experience. Environmental / Work Schedules / Other Operates standard office equipment. Requires extended periods of computer use. Requires extended periods of sitting. Location Primarily Hartford based It is preferred that the candidate lives on EST or CST zone. Employment Practices Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences. If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you. Travelers reserves the right to fill this position at a level above or below the level included in this posting. Experience : 0
CIT is a leading national bank focused on empowering businesses and personal savers with the financial agility to navigate their goals. CIT Group Inc. (NYSE: CIT) is a financial holding company with over a century of experience and operates a principal bank subsidiary, CIT Bank, N.A. (Member FDIC, Equal Housing Lender). The company's commercial banking segment includes commercial financing, community association banking, middle market banking, equipment and vendor financing, factoring, railcar financing, treasury and payments services, and capital markets and asset management. CIT's consumer banking segment includes a national direct bank and regional branch network. Discover more at cit.com/about . Responsibilities: Lead deal team to evaluate new transactions, pre-screen transactions, conduct due diligence, prepare credit approval memos on transactions that are green-lighted in the pre-screen process, pitch transactions to credit committee in order to obtain credit approval, negotiate and review legal documentation as needed, and participate in deal closing. Analyze financial statements and capital structures, conduct business/industry/competitor analysis to identify transaction risks and mitigates; recommend transaction structures appropriate to the opportunity; provide a yes/no recommendation on the transaction based on due diligence. Manage assigned portfolio accounts - monitor performance and covenant compliance, prepare trend cards and periodic/annual reviews, process amendments and waiver requests in a timely manner to meet customer expectations, provide performance updates to managers, identify and act on warning signals, participate in portfolio reviews as needed. Maintain familiarity with CIT policies, procedures, and underwriting standards. Interface with other parts of the EF business, such as Asset Management, Legal, Operations, Insurance, Environmental, as well as other departments such as Capital Markets, Corporate Risk Management, Compliance, Problem Loan Management, Loan & Risk Review, and Internal Audit. Interface with customers (including brokers and intermediaries), as needed, to complete diligence process, as well as to assist the relationship management efforts of the Originators. Mentor and train junior resources (Analysts, Associates, AVPs) for the business. Preferred Qualifications: Bachelor's degree with a concentration in finance or accounting preferred. MBA/CFA a plus. Experience of Equipment Financing deals, equipment collateral, lease products and leasing structures, is required. 7- 10 years of experience as a senior underwriter in the commercial lending industry with direct experience of leading the underwriting and execution effort on large equipment and/or senior debt transactions. Must have a solid understanding of financial statements and capital structures, modeling & strong analytical skills with an ability to question assumptions. Experience with structuring transactions, leading deal teams, and negotiating documentation. CIT is committed to Equal Employment Opportunity. It is CIT's policy to provide equal employment opportunities to all qualified applicants without regard to their race or perceived race (including traits historically associated with race, such as hair texture and protective hairstyles), color, national origin, nationality, ancestry, citizenship, immigration status, age, sex (including pregnancy, lactation, childbirth or related medical conditions), actual or perceived gender, gender identity, gender expression or transgender (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), religion, creed, marital status, family status, domestic partnership or civil union status, affectional or sexual orientation, atypical hereditary cellular or blood trait, genetic information or predisposition or carrier status (including testing and characteristics), status as a victim of domestic violence, actual or perceived status as a caregiver, military status and service, protected veteran status, mental or physical disability, perceived disability, record of disability, medical condition, AIDS and HIV status, or any other protected characteristic established by applicable federal, state, or local laws. If you would like more information about your EEO rights as an applicant under the law, please click here: Pay Transparency Notice EEO Law Poster EEO Supplemental Poster
09/23/2021
Full time
CIT is a leading national bank focused on empowering businesses and personal savers with the financial agility to navigate their goals. CIT Group Inc. (NYSE: CIT) is a financial holding company with over a century of experience and operates a principal bank subsidiary, CIT Bank, N.A. (Member FDIC, Equal Housing Lender). The company's commercial banking segment includes commercial financing, community association banking, middle market banking, equipment and vendor financing, factoring, railcar financing, treasury and payments services, and capital markets and asset management. CIT's consumer banking segment includes a national direct bank and regional branch network. Discover more at cit.com/about . Responsibilities: Lead deal team to evaluate new transactions, pre-screen transactions, conduct due diligence, prepare credit approval memos on transactions that are green-lighted in the pre-screen process, pitch transactions to credit committee in order to obtain credit approval, negotiate and review legal documentation as needed, and participate in deal closing. Analyze financial statements and capital structures, conduct business/industry/competitor analysis to identify transaction risks and mitigates; recommend transaction structures appropriate to the opportunity; provide a yes/no recommendation on the transaction based on due diligence. Manage assigned portfolio accounts - monitor performance and covenant compliance, prepare trend cards and periodic/annual reviews, process amendments and waiver requests in a timely manner to meet customer expectations, provide performance updates to managers, identify and act on warning signals, participate in portfolio reviews as needed. Maintain familiarity with CIT policies, procedures, and underwriting standards. Interface with other parts of the EF business, such as Asset Management, Legal, Operations, Insurance, Environmental, as well as other departments such as Capital Markets, Corporate Risk Management, Compliance, Problem Loan Management, Loan & Risk Review, and Internal Audit. Interface with customers (including brokers and intermediaries), as needed, to complete diligence process, as well as to assist the relationship management efforts of the Originators. Mentor and train junior resources (Analysts, Associates, AVPs) for the business. Preferred Qualifications: Bachelor's degree with a concentration in finance or accounting preferred. MBA/CFA a plus. Experience of Equipment Financing deals, equipment collateral, lease products and leasing structures, is required. 7- 10 years of experience as a senior underwriter in the commercial lending industry with direct experience of leading the underwriting and execution effort on large equipment and/or senior debt transactions. Must have a solid understanding of financial statements and capital structures, modeling & strong analytical skills with an ability to question assumptions. Experience with structuring transactions, leading deal teams, and negotiating documentation. CIT is committed to Equal Employment Opportunity. It is CIT's policy to provide equal employment opportunities to all qualified applicants without regard to their race or perceived race (including traits historically associated with race, such as hair texture and protective hairstyles), color, national origin, nationality, ancestry, citizenship, immigration status, age, sex (including pregnancy, lactation, childbirth or related medical conditions), actual or perceived gender, gender identity, gender expression or transgender (including transgender individuals who are transitioning, have transitioned, or are perceived to be transitioning to the gender with which they identify), religion, creed, marital status, family status, domestic partnership or civil union status, affectional or sexual orientation, atypical hereditary cellular or blood trait, genetic information or predisposition or carrier status (including testing and characteristics), status as a victim of domestic violence, actual or perceived status as a caregiver, military status and service, protected veteran status, mental or physical disability, perceived disability, record of disability, medical condition, AIDS and HIV status, or any other protected characteristic established by applicable federal, state, or local laws. If you would like more information about your EEO rights as an applicant under the law, please click here: Pay Transparency Notice EEO Law Poster EEO Supplemental Poster
The Travelers Companies, Inc.
Hartford, Connecticut
Company Summary Taking care of our customers, our communities and each other. That's the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 160 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it. Target Openings 1 Job Description Summary The National Property actuarial team is looking for an analytic-minded person with an interest in directly impacting business decisions at the account level. This position is primarily responsible for large account pricing for National Property and provides pricing advice/insights directly to field underwriters, CURE officers, and HO leadership. Other responsibilities include: occupancy studies to enhance pricing guidance to underwriters, monitoring and measuring changes in limits and deductibles, actuarial planning coordinator for BU, and other profitability related analysis as needed. The Sr. Manager, Actuarial and Analytics is an analytic leadership role that encompasses the management of assigned strategic initiatives and operational assignments which may include reserving, rate-making, pricing, planning/forecasting, project management and research. The individual in this role is expected to lead project teams of actuarial & analytic partners and provide analytical insights and recommendations to leadership and Business partners. The Sr. Manager, Actuarial and Analytics will work within broad limits and authority on complex assignments requiring specialized knowledge and expertise in breadth and/or depth in one or more of the following areas: Actuarial and/or research methods Advanced statistical analyses Broad business knowledge In-depth Line of Business knowledge Awareness of enterprise Actuarial & Analytics community This role may act as a manager of a small team. This role may work from home or in a Travelers office. Primary Job Duties & Responsibilities Providing large account property pricing guidance to underwriters, CURE officers, and HO leadership. Providing direction and support for Benchmark Tool development and enhancements as needed. Occupancy studies to enhance account experience and provide optimal guidance to underwriters. Providing business unit perspective to actuarial and analytic partners in Actuarial Product, Loss Analytics, Analytics & Research. Monitoring changes in the portfolio such as limit and deductible changes and evaluating the impact of those changes on our loss ratio/profitability. Planning coordinator and liaison to Property Actuarial Product on rate adequacy issues. Other profitability studies and data requests as needed. Minimum Qualifications Bachelors Degree or equivalent experience required. 3 years of experience in quantitative analysis required. Education, Work Experience, & Knowledge College degree in STEM related field. Associate Actuarial Credential preferred. Strong PC skills (MS Office) and programming skills (eg. SQL, SAS). 5+ years of quantitative analysis experience preferred. Strong understanding of insurance products and industry. Demonstrated ability in actuarial and quantitative analysis and statistical concepts. Management experience preferred. Job Specific Technical Skills & Competencies Leadership: Take ownership of projects including initiating the project, drawing up the project plan, carrying out the action items and make recommendations. Proficient in Leading Self, exhibiting decisiveness and self-awareness while also effectively managing ambiguity. Initial development of Leading Others, including modeling the way for others and leading team projects. Initial development of Leading the Business, including actively engaging in driving business results, broad thinking and promoting an Enterprise culture. Business Acumen: Has an in-depth understanding and knowledge of a few key business drivers and disciplines such as: underwriting, products, reinsurance, distribution, sales, operations, risk control, claim, and financials. Able to effectively utilize this business knowledge in developing analytic solutions. Has a general perspective of certain areas of the industry and developing trends such as: technology, analytic methodology, products and performance of competitors. Begins to be familiar with other key business drivers and discipline areas as well. Relationship Management: Proactively build and own professional business relationships across the BI&AA community across the Enterprise. Generate and solicit ideas, and build consensus with guidance. Aware of potential conflict and addresses with limited guidance. Begin to acknowledge accomplishments of others within your primary working group. Set and manage expectations with business partners for small projects. Quantitative Analysis: Evaluate and use appropriate data, tools and methods. Independently perform and implement analytics. May engage in technical/peer review. Begin to design and able to contribute on more complex analytic work. Begin to understand diverse perspectives to effectively accomplish business goals. Employment Practices Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences. If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you. Travelers reserves the right to fill this position at a level above or below the level included in this posting. Experience : 0
09/22/2021
Full time
Company Summary Taking care of our customers, our communities and each other. That's the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 160 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it. Target Openings 1 Job Description Summary The National Property actuarial team is looking for an analytic-minded person with an interest in directly impacting business decisions at the account level. This position is primarily responsible for large account pricing for National Property and provides pricing advice/insights directly to field underwriters, CURE officers, and HO leadership. Other responsibilities include: occupancy studies to enhance pricing guidance to underwriters, monitoring and measuring changes in limits and deductibles, actuarial planning coordinator for BU, and other profitability related analysis as needed. The Sr. Manager, Actuarial and Analytics is an analytic leadership role that encompasses the management of assigned strategic initiatives and operational assignments which may include reserving, rate-making, pricing, planning/forecasting, project management and research. The individual in this role is expected to lead project teams of actuarial & analytic partners and provide analytical insights and recommendations to leadership and Business partners. The Sr. Manager, Actuarial and Analytics will work within broad limits and authority on complex assignments requiring specialized knowledge and expertise in breadth and/or depth in one or more of the following areas: Actuarial and/or research methods Advanced statistical analyses Broad business knowledge In-depth Line of Business knowledge Awareness of enterprise Actuarial & Analytics community This role may act as a manager of a small team. This role may work from home or in a Travelers office. Primary Job Duties & Responsibilities Providing large account property pricing guidance to underwriters, CURE officers, and HO leadership. Providing direction and support for Benchmark Tool development and enhancements as needed. Occupancy studies to enhance account experience and provide optimal guidance to underwriters. Providing business unit perspective to actuarial and analytic partners in Actuarial Product, Loss Analytics, Analytics & Research. Monitoring changes in the portfolio such as limit and deductible changes and evaluating the impact of those changes on our loss ratio/profitability. Planning coordinator and liaison to Property Actuarial Product on rate adequacy issues. Other profitability studies and data requests as needed. Minimum Qualifications Bachelors Degree or equivalent experience required. 3 years of experience in quantitative analysis required. Education, Work Experience, & Knowledge College degree in STEM related field. Associate Actuarial Credential preferred. Strong PC skills (MS Office) and programming skills (eg. SQL, SAS). 5+ years of quantitative analysis experience preferred. Strong understanding of insurance products and industry. Demonstrated ability in actuarial and quantitative analysis and statistical concepts. Management experience preferred. Job Specific Technical Skills & Competencies Leadership: Take ownership of projects including initiating the project, drawing up the project plan, carrying out the action items and make recommendations. Proficient in Leading Self, exhibiting decisiveness and self-awareness while also effectively managing ambiguity. Initial development of Leading Others, including modeling the way for others and leading team projects. Initial development of Leading the Business, including actively engaging in driving business results, broad thinking and promoting an Enterprise culture. Business Acumen: Has an in-depth understanding and knowledge of a few key business drivers and disciplines such as: underwriting, products, reinsurance, distribution, sales, operations, risk control, claim, and financials. Able to effectively utilize this business knowledge in developing analytic solutions. Has a general perspective of certain areas of the industry and developing trends such as: technology, analytic methodology, products and performance of competitors. Begins to be familiar with other key business drivers and discipline areas as well. Relationship Management: Proactively build and own professional business relationships across the BI&AA community across the Enterprise. Generate and solicit ideas, and build consensus with guidance. Aware of potential conflict and addresses with limited guidance. Begin to acknowledge accomplishments of others within your primary working group. Set and manage expectations with business partners for small projects. Quantitative Analysis: Evaluate and use appropriate data, tools and methods. Independently perform and implement analytics. May engage in technical/peer review. Begin to design and able to contribute on more complex analytic work. Begin to understand diverse perspectives to effectively accomplish business goals. Employment Practices Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences. If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you. Travelers reserves the right to fill this position at a level above or below the level included in this posting. Experience : 0
The Risk Management Underwriting Specialist is responsible for developing, growing, and maintaining a profitable, diversified book of business through marketing, underwriting decision making, building mutually beneficial agent/brokers relationships and establishing a marker-facing leadership presence, and application of underwriting tools, systems, and expert resources. Guides/mentors less experienced underwriters in their respective area of expertise, including regular employee coaching with feedback to the manager on progress of the employee. Risk Selection: Reviews, rates, underwrites, evaluates, or assesses the business applying for insurance by qualifying accounts, identifying, selecting and assessing risks, determining the premium, policy terms and conditions, obtaining approvals, creating/presenting the proposal to the agent/broker, and successfully negotiating deals. Agent/Broker Relationships: Demonstrates a high level of responsiveness and focus on supporting Agents and Brokers objectives. Establishes, develops, and maintains successful relationships with Agents and Brokers to facilitate marketing of products, through responsive service, site visits, in person renewal meetings or enhanced knowledge of their customers businesses. Develops strong personal brand to build and maintain a long-term quality pipeline with Agents/Brokers. Portfolio Management: Manages a sizable and complex book of business by analyzing the portfolio, identifying areas of opportunity for improved growth, profit and diversification, and executing marketing plans to increase market share by making marketing calls to brokers to market and cross market. Documenting the Deal: Documents files in a way that reflects a solid thought process and decision making through comprehensive account reviews, sign-offs and referrals that comply with state regulations, letter of authority, and underwriting guidelines. Leadership: Formally guides, mentors, and coaches underwriters and account analysts in both technical and professional skills. Demonstrates an area of expertise and provides regular updates to other underwriters. Continuous Improvement: Actively participates in continuous improvement by generating suggestions, participating in problem solving activities and using continuous improvement tools to support the work of the team. Job Specifications: Reference: 27 Category: Underwriting Primary Location: Chicago, IL Additional Locations: Schedule: Full-Time Salary: USD $103,000.00/Yr.-USD $132,000.00/Yr. Education Level: Bachelor's Degree Travel: 25%Qualifications Advanced-level knowledge of insurance products/coverage, underwriting, pricing, risk selection, market segments and marketplace; insurance finance and actuarial concepts; loss control/risk engineering; marketing techniques, regulatory environment and reinsurance; advanced-level knowledge of territory management. Ability to apply underwriting/appetite, tools, systems, and resources to achieve goals, solve complex problems, establish and build healthy working relationships, lead mentoring relationships, and negotiate, as normally acquired and a related bachelor's degree seven to ten years of relevant experience preferred; CPCU or professional insurance designation strongly preferred. Featured BenefitsHere's some of what you can look forward to as one of our employees.Competitive CompensationOur compensation programs are designed to deliver above-market pay if you perform well, and significantly above that for exceptional performance over time. Virtually every employee is eligible for some type of variable incentive pay in addition to his or her base pay.Flexible Work ArrangementsWe understand the role work-life balance plays in your ability to stay energized and engaged. So we place an emphasis on regular hours, flex scheduling, and generous time off through paid holidays, vacation days, and more.Top-Notch Retirement PlansOur pension plan provides a monthly credit equal to 5% of your eligible compensation. You can also participate in our 401(k) plan, which offers a guaranteed match of $0.50 for every $1 you contribute, up to 8% of your eligible pay.Career DevelopmentFrom regular coaching planning, to paid training, licensing, and 100% tuition reimbursement for approved courses, we're dedicated to your continued growth, because we know it leads to continued success.Health & WellnessYou'll have access to comprehensive health, dental, and vision coverage, as well as a host of other insurance and wellness benefits-including progressive parental benefits and support.See Full BenefitsWhy Liberty Mutual?At Liberty Mutual, our purpose is to help people embrace today and confidently pursue tomorrow. That's why we provide an environment focused on openness, inclusion, trust and respect. Here, you'll discover our expansive range of roles, and a workplace where we aim to help turn your passion into a rewarding profession. Liberty Mutual has proudly been recognized as a "Great Place to Work" by Great Place to Work® US for the past several years. We were also selected as one of the "100 Best Places to Work in IT" on IDG's Insider Pro and Computerworld's 2020 list. We have been named by Forbes as one of America's Best Employers for Women and one of America's Best Employers for New Graduates-as well as one of America's Best Employers for Diversity. To learn more about our commitment to diversity and inclusion please visit: Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.
03/23/2021
Full time
The Risk Management Underwriting Specialist is responsible for developing, growing, and maintaining a profitable, diversified book of business through marketing, underwriting decision making, building mutually beneficial agent/brokers relationships and establishing a marker-facing leadership presence, and application of underwriting tools, systems, and expert resources. Guides/mentors less experienced underwriters in their respective area of expertise, including regular employee coaching with feedback to the manager on progress of the employee. Risk Selection: Reviews, rates, underwrites, evaluates, or assesses the business applying for insurance by qualifying accounts, identifying, selecting and assessing risks, determining the premium, policy terms and conditions, obtaining approvals, creating/presenting the proposal to the agent/broker, and successfully negotiating deals. Agent/Broker Relationships: Demonstrates a high level of responsiveness and focus on supporting Agents and Brokers objectives. Establishes, develops, and maintains successful relationships with Agents and Brokers to facilitate marketing of products, through responsive service, site visits, in person renewal meetings or enhanced knowledge of their customers businesses. Develops strong personal brand to build and maintain a long-term quality pipeline with Agents/Brokers. Portfolio Management: Manages a sizable and complex book of business by analyzing the portfolio, identifying areas of opportunity for improved growth, profit and diversification, and executing marketing plans to increase market share by making marketing calls to brokers to market and cross market. Documenting the Deal: Documents files in a way that reflects a solid thought process and decision making through comprehensive account reviews, sign-offs and referrals that comply with state regulations, letter of authority, and underwriting guidelines. Leadership: Formally guides, mentors, and coaches underwriters and account analysts in both technical and professional skills. Demonstrates an area of expertise and provides regular updates to other underwriters. Continuous Improvement: Actively participates in continuous improvement by generating suggestions, participating in problem solving activities and using continuous improvement tools to support the work of the team. Job Specifications: Reference: 27 Category: Underwriting Primary Location: Chicago, IL Additional Locations: Schedule: Full-Time Salary: USD $103,000.00/Yr.-USD $132,000.00/Yr. Education Level: Bachelor's Degree Travel: 25%Qualifications Advanced-level knowledge of insurance products/coverage, underwriting, pricing, risk selection, market segments and marketplace; insurance finance and actuarial concepts; loss control/risk engineering; marketing techniques, regulatory environment and reinsurance; advanced-level knowledge of territory management. Ability to apply underwriting/appetite, tools, systems, and resources to achieve goals, solve complex problems, establish and build healthy working relationships, lead mentoring relationships, and negotiate, as normally acquired and a related bachelor's degree seven to ten years of relevant experience preferred; CPCU or professional insurance designation strongly preferred. Featured BenefitsHere's some of what you can look forward to as one of our employees.Competitive CompensationOur compensation programs are designed to deliver above-market pay if you perform well, and significantly above that for exceptional performance over time. Virtually every employee is eligible for some type of variable incentive pay in addition to his or her base pay.Flexible Work ArrangementsWe understand the role work-life balance plays in your ability to stay energized and engaged. So we place an emphasis on regular hours, flex scheduling, and generous time off through paid holidays, vacation days, and more.Top-Notch Retirement PlansOur pension plan provides a monthly credit equal to 5% of your eligible compensation. You can also participate in our 401(k) plan, which offers a guaranteed match of $0.50 for every $1 you contribute, up to 8% of your eligible pay.Career DevelopmentFrom regular coaching planning, to paid training, licensing, and 100% tuition reimbursement for approved courses, we're dedicated to your continued growth, because we know it leads to continued success.Health & WellnessYou'll have access to comprehensive health, dental, and vision coverage, as well as a host of other insurance and wellness benefits-including progressive parental benefits and support.See Full BenefitsWhy Liberty Mutual?At Liberty Mutual, our purpose is to help people embrace today and confidently pursue tomorrow. That's why we provide an environment focused on openness, inclusion, trust and respect. Here, you'll discover our expansive range of roles, and a workplace where we aim to help turn your passion into a rewarding profession. Liberty Mutual has proudly been recognized as a "Great Place to Work" by Great Place to Work® US for the past several years. We were also selected as one of the "100 Best Places to Work in IT" on IDG's Insider Pro and Computerworld's 2020 list. We have been named by Forbes as one of America's Best Employers for Women and one of America's Best Employers for New Graduates-as well as one of America's Best Employers for Diversity. To learn more about our commitment to diversity and inclusion please visit: Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.
