[Hiring] Senior Underwriter @Mission US

Role Description

FinSurance is seeking an experienced senior trade credit insurance producer who can combine high-level underwriting judgment, non-cancellable buyer-limit expertise and deep relationships within the trade credit brokerage community.

The Senior Production Underwriter will help turn expert underwriting judgment into scalable technology. You will help define the information required at intake, the data that should drive a decision, the exceptions that require human review and the controls needed to preserve underwriting discipline as volume grows.

This is a production underwriting role, not primarily a portfolio-maintenance or buyer-risk monitoring position. The successful candidate will:

• Develop, structure, price and underwrite profitable trade credit business.
• Help FinSurance broaden and deepen its relationships with specialist trade credit brokers and the trade credit practices of major national and global brokerage firms.
• Emphasize non-cancellable buyer limits, Single Buyer and Named Buyer risks, larger and more complex credit exposures, Top-Up and Excess structures, structured trade finance, supply-chain finance and other specialty trade credit opportunities.

Qualifications

• 7+ years of relevant trade credit insurance experience, including substantial direct underwriting responsibility.
• Direct underwriting experience with a trade credit insurer, specialty carrier, program administrator (MGU) or comparable trade credit underwriting organization.
• Demonstrated ability to analyze financial statements, payment experience, liquidity, leverage, profitability, cash flow and working capital in assessing commercial creditworthiness.
• Strong understanding of trade credit insurance products, buyer limits, policy structures, insured percentages, deductibles, waiting periods and concentration management.
• Strong understanding of non-cancellable buyer-limit underwriting and the discipline required to assume credit exposure for a defined policy period.
• Demonstrated independent underwriting judgment within delegated authority and strong communication and negotiation skills.
• Established productive relationships with trade credit insurance brokers and the ability to operate independently in a remote, entrepreneurial environment.

Requirements

• Single Buyer, Named Buyer, Top-Up, Excess of Loss or other individually underwritten credit exposures.
• Larger commercial obligors and transactions requiring detailed financial-statement analysis.
• Supply-chain finance, trade finance, receivables finance, FIBC, lender-oriented structures, syndications or quota-share arrangements.
• Domestic and international obligors and referrals to carrier or reinsurance partners.
• Underwriting systems, CRM, policy administration, data vendors, automated intake, entity resolution, decision-support tools or other Insurtech capabilities.

Benefits

• Direct access to senior decision-makers.
• Meaningful underwriting responsibility.
• Opportunity to work across traditional and specialty trade credit structures.
• Ownership of a meaningful piece of the market.
• Strengthening distribution and helping create profitable premium without weakening underwriting discipline.
• Regular travel for broker meetings, industry events and business-development activities.

Working Conditions

• Requires a quiet work environment with regular sitting at a computer for extended periods of time.
• Regular use of hands and fingers.
• Frequent talking or hearing.
• Vision requirements: Close, distance, color, peripheral, focus and depth perception.

Additional Information

• This is a remote position. Planned, in-office activities may be required on occasion (typically 2-4x per year).
• You must live in the United States and be authorized to work in the United States without requirement of employment sponsorship/visa.