63 General Insurance Jobs in New Delhi

Role Underwriter

The Underwriter will be responsible for full cycle underwriting of proposed financing amounts and terms to small businesses. The Underwriter will work closely with the Relationship Manager to assess and structure financing that is attractive to the small business owner and minimizes risk.

Roles and Responsibilities:

Work with the Relationship Managers in structuring, analysing, and negotiating credit
transactions.

Responsible for full cycle underwriting of assigned small business financing.

Determine the ability of the client to repay financing based on analysis of the clients cash

flow statements, US tax returns (such as 1120, 1120S, 1065, 1040), and other financial

information.

Perform detailed financial analysis on the small business, including trend and ratio analysis,

and interpret the financial information to determine credit quality and cash flow adequacy.

Perform credit analysis and financial statement analysis on co-owners, guarantors, and

individuals to determine assets coverage for requested loan amounts.

Coordinate with Relationship Managers regarding customer calls and site visits

Perform other due diligence as needed to determine the creditworthiness of a small

business owner.

Open to Work in Night Shift & Work from office.

Perks & Benefits:

CABS will be provided, pick & drop both ways.

Medical Insurance & GREAT Incentives.

Desired Candidate Profile-

Bachelors/Master's degree in finance and accounting or related field

Formal credit training preferred.

Experience working in a financial institution underwriting small businesses; 2-12 years in a

commercial credit analysis or commercial underwriting role working with small businesses a
plus.

Strong analytical skills including the ability to read and assess individual and company

financial statements, cash flow, industry, and competitive analysis and projections.

Proficient in various spreadsheet and word processing applications (Excel and Word are

preferred) including the use of graphs/charts, and Moody's financial analysis software.

Basic knowledge of credit principles, lending operations, loan research, due diligence

searches such as SOS, Clear report, TLOx Transunion, NYCs, Westlaw/Dockets, Credit bureau reports and general credit policies

Team player with the ability to take the initiative.

Good Communication Skills (Experience of taking calls with Counterparts in US)

Detail oriented, ability to work well under pressure and multi-task.

Strong written and verbal communication skills

Problem recognition and resolution skills