Senior National Accounts Underwriting Consultant evaluating and pricing group disability and life insurance for 2,000+ lives. Requires 7+ years of experience in group underwriting and strong analytical skills.
About the role
- VP of Portfolio & Underwriting leading underwriting for new business transactions at Pathward, a financial empowerment company. Setting credit practices and overseeing underwriting teams.
Responsibilities
- Oversees day‑to‑day operations of the Underwriting & Portfolio teams, including all Account Executives and Commercial Underwriters.
- Performs full managerial duties, including hiring, performance evaluations, coaching, discipline, and staff development.
- Ensures prudent, efficient underwriting by reviewing credit narratives and approving transactions within delegated authority limits.
- Manages department‑level reporting exceptions and establish debtor credit limits exceeding individual approval authority.
- Maintains compliance with credit quality standards, including revenue targets, funding ratios, approval ratios, and portfolio performance metrics.
- Manages credit origination scorecards and approval authorization levels.
- Develops, documents, and maintains departmental policies and procedures; ensure periodic reviews and proper application of risk ratings.
- Utilizes CID and related systems to guide and oversee all facets of the underwriting process.
- Collaborates with BDOs and Revenue leaders to structure proposal letters and provide final approval for all proposals issued; support training of BDOs alongside the Revenue leadership team.
- Partners with Revenue leadership to support sales alignment and funding objectives.
- Works with Collections, Asset Management, and Legal to develop strategies for resolving distressed, delinquent, or troubled accounts.
- Collaborates with the Data Analytics team to develop portfolio reporting, monitor origination trends, and refine credit origination metrics.
- Coordinates responses to internal and external auditor requests and ensure compliance with documentation and reporting requirements.
- Other duties as assigned.
Requirements
- Bachelor's degree or equivalent education and work experience. Master's degree preferred.
- Typically 12+ years with bachelor's or equivalent.
- Ability to effectively lead others.
- Excellent verbal and written communication skills.
- Ability to manage multiple, competing priorities.
- The ability to partner and influence at various levels, both internally and externally.
- Alternative Energy Portfolio, Underwriting or Asset Management experience
- Prior people leadership
Benefits
- Health insurance
- 401(k) retirement benefits
- Life insurance
- Disability benefits
- Paid time off
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