Underwriting Consultant responsible for risk selection and pricing for Group Supplemental Health at Sun Life. Requires 7+ years of experience, preferably with a BA/BS degree.
About the role
- Analyst supporting underwriting and portfolio management within the Real Estate Fund Finance Group. Evaluating risks, conducting financial analysis, and preparing credit documents.
Responsibilities
- Perform due diligence on industry and company performance; synthesize research and begin to draw conclusions; may start to lead diligence calls
- Perform thorough financial analysis and identify disparities, risks, and creative ways to mitigate risk
- Prepare financial modeling inputs with little guidance; understand model mechanics and consider overrides or exceptions
- Analyze appropriate structuring options considering collateral and borrower valuation
- Write and prepare majority of the credit approval document; provide meaningful contribution to internal meetings, including deal review and pipeline meetings
- Coordinate and complete closing process requirements
- Begin to shadow more senior underwriters on reviewing and negotiating legal documentation
- Communicate with all external constituents; exhibit a sense of urgency toward meeting client requests
- Prepare term sheets, commitment letters and fee letters with guidance; basic understanding of credit documents
- Demonstrate ownership of a portfolio of existing customers with minimal guidance; may take on more complex or higher volume of accounts
- Complete annual reviews and both material and non-material modifications independently and on time
- Monitor and determine upgrades or downgrades to risk ratings
- Ensure compliance with credit policies and procedures for existing accounts
- Respond to requests from all internal and external stakeholders
- Ensure portfolio data is accurate, timely, and complete to ensure strong quality and reporting capabilities
- Escalate and resolve problem accounts in partnership with other teams and specialists
- Build relationships across function and business to foster collaboration between partner groups
- Mentor and train rotational analysts and new hires
- Participate in internal initiatives to ensure the business is well-managed and operates efficiently
Requirements
- Bachelor’s Degree or Military Experience
- At least 2 years of experience in credit underwriting, portfolio management, or commercial real estate
- Bachelor's Degree in Accounting, Finance, or other relevant fields
- Previous experience in underwriting or portfolio or asset management
- Completed coursework or training in commercial real estate & credit risk management
- Fluency in either Microsoft Office or Google Suite
Benefits
- Health insurance
- 401(k) matching
- Flexible work hours
- Paid time off
- Remote work options
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