Senior Underwriting Analyst

Role Summary

Own end-to-end underwriting for a complex portfolio, independently evaluating credit risk, structuring limits and terms, and delivering well-supported decisions aligned to risk appetite and enterprise objectives.

Lead advanced financial and risk analysis, applying deep subject matter expertise to assess complex organizational structures, identify key risk drivers, and anticipate emerging trends across diverse customer segments.

Develop and influence credit decisions through executive-ready recommendations, translating complex analysis into clear actionable insights while partnering cross-functionally to balance growth and risk.

Drive portfolio performance and underwriting excellence, proactively monitoring risk, resolving complex or high-impact scenarios, and leading enhancements to underwriting processes, consistency and efficiency.

• Independently manage a portfolio of complex, high-value customer relationships, including multi-entity and non-standard structures
• Own end-to-end underwriting decisions, including credit limits, terms, and structuring, within established risk appetite
• Exercise sound judgment in ambiguous situations, ensuring decisions are well-supported and aligned to enterprise objectives

• Perform comprehensive financial and credit analysis, including liquidity, leverage, cash flow, and operating performance
• Evaluate complex ownership structures (e.g., PE-backed, parent/subsidiary) and assess risk across diverse healthcare segments
• Anticipate emerging risks by integrating financial performance, industry dynamics, and market trends into analysis

• Proactively monitor portfolio performance, identify risk trends, and implement appropriate mitigation strategies
• Lead resolution of complex or high-risk credit scenarios, including escalations and non-standard requests
• Ensure underwriting decisions are consistent with policy, regulatory expectations, and risk management standards

• Develop clear, defensible underwriting recommendations supported by data, analysis, and business rationale
• Translate complex financial analysis into concise, executive-ready insights to support decision-making
• Influence outcomes through effective communication with senior leadership and cross-functional stakeholders

• Partner with Sales, Finance, AR, and external customers to gather insights and structure pragmatic credit solutions
• Balance risk and growth objectives by influencing deal structure, terms, and risk mitigation strategies
• Serve as a trusted advisor to stakeholders on credit risk and underwriting strategy

• Act as a subject matter expert in underwriting practices, credit policy, and assigned industry segments
• Provide guidance and informal mentorship to less experienced analysts; elevate overall team capability and consistency
• Identify and communicate portfolio-level risks, trends, and opportunities to leadership

• Lead or significantly contribute to improvements in underwriting processes, tools, and decision frameworks
• Identify opportunities to enhance efficiency, automation, and standardization across workflows
• Support the evolution of credit policy, risk frameworks, and best practices through applied expertise

• Bachelor’s degree in Finance, Accounting, or related field

• 5+ years of experience in underwriting or corporate finance
• Strong understanding of financial statement analysis

• Embrace Digital Transformation: Demonstrate a strong digital mindset by actively seeking and implementing technological solutions to enhance business processes and drive innovation within the team.
• Diverse and Inclusive
  
  Collaboration:
  
  Foster a collaborative environment that values diversity and inclusion. Build and sustain positive relationships with stakeholders from varied backgrounds to drive professional growth and organizational success.
• Strategic and…