Senior Underwriting Analyst
Role Summary
The Senior Underwriting Analyst is responsible for independently managing a portfolio of complex customer relationships and delivering comprehensive, well-supported credit risk assessments. This role requires advanced financial analysis, a deep understanding of complex organizational structures, and the ability to evaluate risk across diverse healthcare segments.
General Responsibilities
Portfolio Ownership & Decisioning
- 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
Advanced Financial & Risk Analysis
- 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
Risk Assessment, Monitoring & Mitigation
- 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
Recommendation Development & Executive Influence
- 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
Cross-Functional Collaboration & Business Partnership
- 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
Subject Matter Expertise & Team Contribution
- 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
Process Improvement & Strategic Impact
- 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
Education/Training
- Bachelor’s degree in Finance, Accounting, or related field
Business Experience
- 5+ years of experience in underwriting or corporate finance
- Strong understanding of financial statement analysis
Critical Skills
- 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 Analytical Thinking: Exhibit strong business acumen by staying informed about industry trends and aligning projects with broader organizational goals. Use data-driven insights to make informed decisions and influence positive change.
- Adaptability and Growth Mindset: Show adaptability in the face of change and a willingness to take on challenges. Continuously seek learning opportunities and demonstrate resilience to maintain high performance and support team dynamics.
- Clear and Impactful Communication: Communicate complex information clearly and persuasively across all levels of the organization. Utilize storytelling to effectively convey ideas and drive key initiatives forward.
Environment (Office)
- Traditional office environment
Physical Requirements
- Large percent of time performing computer-based work is required
Minimum Job Qualifications
Working Conditions
Benefits
We not only care about the wellbeing of our patients, customers and the communities we serve — we care about you. That’s why we provide our employees with a comprehensive support system for all aspects of Your Care: physical, emotional, financial and social.