Associate Manager, Underwriting Job at CVS Health (Franklin)

Senior Vice President - Underwriter - (Structured Credit and Real Estate Underwriting)

The Senior Vice President position will hold a critical role within the Structur...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

13+ years of credit, portfolio management or product experience (preferably real estate underwriting or asset management) in a financial institution, rating agency, financial guarantor, or asset management firm
Experience in leading a team and in coaching and mentoring junior bankers
Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
Ability to understand capital markets products and complex financing and product structures
Ability to provide strategic insights and strong sensitivity to macro and regulatory issues, and impact of such issues on the various Risk families, including operational and franchise risks
Pro-active disposition with ability to work autonomously and within a team
Typically deals with complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs
Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources
Knowledge of wholesale loan (syndicated / bilateral) product and business, including an understanding of legal loan documentation, loan / funding mechanics, deal structure, funds flows, etc.
On track for internal Senior Credit Officer designation is a plus

Job Responsibility

Accountability for ensuring strong analysis of the assigned Real estate portfolio ensuring consistencies with industry leading practices and compliance with all internal risk policies, standards and procedures
Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards
Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos, and senior approval forums
Supervise analysts and associates to perform periodic monitoring of the portfolio
Ensure maintenance of organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes
Perform quality control of the approval memos to ensure accuracy and completeness of input
Ensures team monitors the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers and makes appropriate recommendations with the aim of identifying and mitigating credit risks
Ensure ongoing and timely feedback and coaching of junior team to sustain a strong credit culture and an unwavering commitment to excellence in analysis and execution
Provide support to Director and other senior team members, lead projects and initiatives in the wider team
Support the ICM Real Estate Underwriting Verticals (Citi Community Capital, CRE) on strategic initiatives/projects

What we offer

Global Benefits
Best-in-class benefits
Work-life balance

Fulltime

Senior Vice President - Structured Credit and Real Estate Underwriting

The Senior Vice President position will hold a critical role within the Structur...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

13+ years of credit, portfolio management or product experience (preferably in structured finance/securitization) in a financial institution, rating agency, financial guarantor, or asset management firm
Experience in leading a team and in coaching and mentoring junior bankers
Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
Pro-active disposition with ability to work autonomously and within a team
Knowledge of wholesale loan (syndicated / bilateral) product and business, including an understanding of legal loan documentation, loan / funding mechanics, deal structure, funds flows, etc.
Strong Microsoft Office skills
Modeling experience is a plus
Strong attention to detail
Oral and written communications skills enabling the candidate to effectively interact with internal and external constituents of all levels
Strong awareness and adherence to the control environment including Quality Assurance and Quality Control

Job Responsibility

Accountability for ensuring strong analysis of the assigned SCREU portfolio ensuring consistencies with industry leading practices and compliance with all internal risk policies, standards and procedures
Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards
Supervise analysts and associates to perform periodic monitoring of the portfolio
Ensure maintenance of organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes
Perform quality control of the approval memos to ensure accuracy and completeness of input
Ensures team monitors the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers and makes appropriate recommendations with the aim of identifying and mitigating credit risks
Ensure ongoing and timely feedback and coaching of junior team to sustain a strong credit culture and an unwavering commitment to excellence in analysis and execution
Provide support to Director and other senior team members, lead projects and initiatives in the wider team
Keep abreast of industry and market trends and customer-specific events

Fulltime

Vice President, Institutional Credit Management - In-Business Quality Assurance - Financial Institutions Underwriting

The ICM In-Business Quality Assurance function (QA) verifies that established st...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Quality Assurance: Demonstrable Credit / Counterparty credit risk Audit / quality assurance experience, including 5-7 years in the areas of banking, credit risk management, loan review or quality assurance review function at an investment or large commercial bank
Solid understanding of risk management and control frameworks related to Counterparty Credit Risk management or another Financial Risk discipline
Capability to understand complex counterparty credit product structures, and ideally versed in derivatives and structured investment products
Good grasp of counterparty credit risk covered process, to evaluate findings within the Quality Assurance process, determine materiality, and partnering with in-line makers and checkers for ongoing improvement, problem detection, and sustainable remediation
Strong background on core credit analysis for large corporate and finance industries including funds to properly evaluate process and quality breaks within the quality assurance function
Ideally, credit officer or analyst or operational credit risk background, with experience on day-to-day credit functions associated with analysts and risk approval
High awareness and adherence to the control environment including Quality Assurance and Quality Control
Competencies: Highly Effective interpersonal skills, with the ability to build relationships and exert influence with and without direct authority with Senior Levels of Management
Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively
Exceptional written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority

Job Responsibility

Support the Head of FI In-Business Quality Assurance to set the global strategy for and lead the implementation and ongoing delivery of a robust Quality Assurance function
Provide effective credible challenge during QARs to Business Region Heads and Portfolio Managers, as regards to memo and process quality to ensure that weaknesses in such processes are identified and escalated as appropriate
Support with the aim to ensure wholesale credit risks within Citi are effectively identified, measured, monitored, and controlled, consistent with the bank's risk appetite and all policies and processes established within the risk governance framework
Support execution of consistent and objective assessments during QARs
Support execution of subsequent follow-up on corrective actions that were raised during QARs
Support execution of sustainability testing of corrective actions resulting from issues raised by Internal Audit or Regulators
Synthesize and prepare quarterly Quality Assurance Scorecard Reports to ICM business management that communicate and measure results and identify negative trends and potential solutions
Constant interaction with the respective Analysts and Team Leads, to ensure that quality assurance protocols are adequate for all portfolios
Support WCR IBQA function in the establishment of WCR IBQA policies, procedures, risk assessment and controls to drive effective QA coverage and standards
Support ICM Head of Markets In-Business Quality Assurance Functional Head to stay abreast of relevant changes to rules/regulations and other industry news including regulatory findings

What we offer

Extensive on-the-job training and exposure to senior leaders
Traditional learning opportunities
Access to an array of learning and development resources to help broaden and deepen your skills and knowledge as your career progresses
Resources and tools to volunteer in the communities in which they live and work
Opportunity to give back and make a positive impact through volunteerism

Fulltime

Underwriter – Insurance

The Underwriting team oversees and executes the commercial and group underwritin...

Location

United Kingdom , South Wales

Salary:

32000.00 GBP / Year

Lawes Consulting Group

Expiration Date

Until further notice

Requirements

Previous experience in underwriting, preferably within the MGA sector in the UK or EU general insurance domains
Exceptional verbal and written communication abilities, coupled with adept prioritization skills
Possess a technical mind-set with a penchant for analytical problem-solving
Proficient in data analysis, interpretation, and presentation
Capable of articulating data-driven proposals clearly and convincingly to stakeholders
Demonstrated awareness and comprehension of the UK and European general insurance landscapes, including regulations and evolving trends
Proficiency in Microsoft Office, particularly Excel
Skilled in establishing rapport with stakeholders both internally and externally, across all organizational levels
Strong numerical aptitude and meticulous attention to detail are indispensable
Holding formal insurance qualifications (e.g., CertCI) would be advantageous

Job Responsibility

Serve as the primary point of contact for underwriting inquiries, promptly acknowledging receipt, managing their allocation within the team, and providing accurate time estimates for their resolution
Assess and underwrite risks within one’s own level of underwriting authority, escalating to the Underwriting Manager or Partnerships team for external approval as needed
Assist the Underwriting Manager in executing Mid-Term Adjustments (MTAs), such as ad hoc pricing changes, inflation adjustments, additional equipment classes, or policy endorsements
Ensure swift and accurate issuance and archiving of relevant documentation
Offer technical support to the Commercial function, aiding in the achievement of the businesses financial objectives in a clear, timely, and well-organized manner
Actively engage in the enhancement of automated underwriting systems by sharing innovative ideas and offering constructive feedback
Maintain a continuous improvement mind-set to ensure effective communication of development needs to the Finance and Business Intelligence teams
Assist the Underwriting Manager in conducting mandatory and tailored product training sessions for the organization, bridging any knowledge gaps and becoming a reliable source of expertise on the businesses insurance products
Manage the daily administrative tasks associated with their Residual Value Insurance product
Collaborate closely with all teams to contribute to the achievement of corporate goals

Fulltime

Insurer Partnerships Manager

The Partnerships team holds responsibility for overseeing, managing, and advanci...

Location

United Kingdom , South Wales

Salary:

50000.00 - 55000.00 GBP / Year

Lawes Consulting Group

Expiration Date

Until further notice

Requirements

Proficient in rapidly establishing rapport, forging trusted connections with stakeholders internally and externally across all levels
Brings a wealth of experience in partnership management within global MGA/Delegated Authority frameworks, whether as an intermediary or carrier, preferably within the realm of general insurance
Demonstrates expertise in owning and supervising delegated authority activities, including technical performance, claims management, underwriting, processing, governance, and reporting
Possesses sound knowledge of key risk management and general insurance principles
Skilled in negotiation and persuasion, able to make decisive decisions under pressure
Exhibits excellent verbal and written communication skills
Approaches problem-solving with pragmatism and rationality, paying meticulous attention to detail
Proficient in Microsoft Office applications
Possession of formal insurance qualifications (e.g., DipCI, CertCI) is highly desirable

Job Responsibility

Be recognised as the foremost representative of the company, and a certified senior manager overseeing their panel of carrier partners
Spearhead the formulation and implementation of strategies to allocate premiums among carriers
Ensure the ongoing satisfaction of each carrier with the technical, financial, and operational performance of their partnership
Lead regular steering and review meetings to secure buy-in and, when necessary, persuade carriers to support their endeavours in achieving their commercial goals
Ensure the maintenance of existing underwriting capacity and, whenever feasible, its expansion to support our clients’ corporate objectives
Supervise the timely renewal of Delegated Authority Agreements (DAA) contracts
Lead initiatives aimed at augmenting underwriting capacity to encompass new products or markets
Take ownership of and supervise all processes associated with onboarding new carriers
Exercise oversight and assume ultimate responsibility for ensuring that all activities under delegated authority, including carrier processing, underwriting and technical outcomes, claims management, document issuance, and complaint handling, are conducted in accordance with the terms of their DAA contracts
Lead or facilitate scheduled or ad-hoc audits of carriers

Fulltime

Underwriter

The Citi Wealth Residential Real Estate Mortgage Underwriter will serve as a pri...

Location

United Kingdom , London

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

CeMAP qualified (or equivalent)
Strong Mortgage Regulatory knowledge and experience in the UK (and EU is preferable)
Strong and proven analytical, financial structuring and execution skills
Experience with regulatory internal and external audits beneficial
Bachelor's/University degree or equivalent experience
Excellent communication (verbal and written) and interpersonal skills
Ability to work under pressure and multi-task to tight deadlines
Good negotiation skills
Strong initiative and interactive approach to problem solving
Display flexibility and independence in a demanding environment

Job Responsibility

Serve as primary contact for mortgage throughout the process
Structure and underwrite residential mortgage loans in accordance with established Product Programs
Prepare, maintain and communicate pipeline
Primary point of contact for obtaining credit documents and clearing underwriting conditions
Provide regular input to Bankers, Associate Bankers and management
Responsible for all activities from applications through underwriting submission
Assist with residential real estate portfolio management audits, reviews, and performance reporting
Assist with residential real estate projects across portfolio and technical developments

Fulltime

Residential Real Estate Mortgage Underwriter

The Citi Wealth Residential Real Estate Mortgage Underwriter will serve as a pri...

Location

United Kingdom , London

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

CeMAP qualified (or equivalent)
Strong Mortgage Regulatory knowledge and experience in the UK (and EU is preferable)
Strong and proven analytical, financial structuring and execution skills
Experience with regulatory internal and external audits beneficial
Bachelor's/University degree or equivalent experience
Excellent communication (verbal and written) and interpersonal skills
Ability to work under pressure and multi-task to tight deadlines
Good negotiation skills
Strong initiative and interactive approach to problem solving
Display flexibility and independence in a demanding environment

Job Responsibility

Serve as primary contact for mortgage process from inquiry to closing
Structure and underwrite residential mortgage loans in accordance with established Product Programs
Prepare, maintain and communicate pipeline
Primary point of contact for obtaining credit documents and clearing underwriting conditions
Provide input to Bankers, Associate Bankers and management
Responsible for all activities from applications through underwriting submission
Assist with residential real estate portfolio management audits, reviews, and performance reporting
Assist with residential real estate projects
Obtain relevant information from all parties in the lending cycle
Function as part of a deal team

Fulltime

Commercial Real Estate Underwriter

This role involves conducting financial analysis of commercial real estate prope...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

3-6 years of relevant experience
Previous experience working directly in Commercial Real Estate underwriting or credit preferably in the financial services industry
Strong financial modeling experience in Microsoft Excel, including complex financial modeling, data manipulation, and scenario analysis
Ability to apply credit and risk principles toward business goals
Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency
Must be highly organized and able to work in a fast-paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills
Solid organizational skills with ability and willingness to work under pressure and manages time and priorities effectively with little to no supervision
Highly effective written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
Bachelor's/University degree or equivalent experience
MBA or CFA or CA preferred

Job Responsibility

Conduct comprehensive financial analysis of Commercial Real Estate properties and associated sponsors/borrowers, including historical performance, pro forma projections, rent rolls, operating statements, and balance sheet analysis
Develop and maintain complex financial models specific to various CRE asset types and transaction structures
Prepare credit approval request memorandums, highlighting key risks, mitigants, and actionable recommendations
Conduct projection modeling, stress testing and other analyses using research and evaluations from a wide variety of sources
Support Senior Underwriters in making recommendations/credit decisions, including risk ratings and regulatory classifications
Oversee periodic relationship credit monitoring including preparing Annual Reviews, Quarterly Reviews, and Criticized Credit Reviews
Proactively identify early warning signs of credit deterioration and elevate concerns to senior portfolio managers
Review and validate the quality of financial spreads, reports, and static data updates
Support Senior Underwriter and Underwriter during internal reviews and external regulatory exam responses
Prepare executive-level materials and presentations summarizing complex financial analysis and risk assessments

What we offer

Extensive on-the-job training
Exposure to senior leaders
Traditional learning opportunities
Volunteerism opportunities
Equal opportunity employer policies and practices

Fulltime

Associate Manager, Underwriting

CVS Health

Location:
United States , Franklin

Category:
Insurance

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Nice to have:

Additional Information:

Job Posted:
April 25, 2026

Expiration:
May 01, 2026

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