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Commercial underwriter skills for your resume and career
15 commercial underwriter skills for your resume and career
1. Real Estate
Real estate is land that has buildings on it. This kind of property consists of permanent improvements either natural or man-made, which include, houses, fences, bridges, water trees, and minerals. There are 4 types of real estate namely; residential real estate, commercial real estate, industrial real estate, and vacant land.
- Collected and analyzed financial information and prepared underwriting packages for commercial and commercial real estate loans.
- Analyzed and underwrote commercial/business credits including commercial real estate and SBA loans.
2. Customer Service
Customer service is the process of offering assistance to all the current and potential customers -- answering questions, fixing problems, and providing excellent service. The main goal of customer service is to build a strong relationship with the customers so that they keep coming back for more business.
- Provided excellent customer service to maintain broker relationships and better influence negotiating leverage of coverage terms or pricing.
- Build and maintain agency relationships with both agents and customer service representatives within the Nebraska and Arizona territories.
3. Financial Analysis
- Perform historical financial analysis with an emphasis on liquidity, cash flow, profitability, leverage.
- Prepared narrative which included financial analysis, identified risks and highlighted mitigating factors.
4. Credit Analysis
Credit analysis is the process of evaluating a person's or company's ability to repay their debts.
- Prepared credit analysis as needed and spread financial statements utilizing Moody's software.
- Make recommendations based on overall credit analysis.
5. Cash Flow
- Review balance sheets, income statements, cash flow, projections, budgets and other financial statements for commercial loan applicants.
- Establish and determine enterprise value and present value of operations using Discounted Cash Flow analysis, and Going Concern EBITDA multiples.
6. Risk Management
Risk management is the method of recognizing, evaluating, and managing risks to an organization's resources and profits. Financial insecurity, regulatory liability, strategic management mistakes, incidents, and natural hazards are just some of the challenges or dangers that could arise. For digitalized businesses, IT security vulnerabilities and data-related threats, as well as risk management techniques to mitigate them, have become top priorities.
- Improved profitability by skillful risk management, minimizing loss while also retaining business.
- Determined risk management by ordering inspections and reviewing credit reports.
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- Detail oriented and strong analytical and communication skills.
- Review financial documents to determine workout eligibility and negotiation skills as well as strong analytical and problem solving ability.
8. Cash Flow Analysis
- Complete Risk/Mitigate and cash flow analysis to determine creditworthiness.
- Conduct cash flow analysis based on income and expenses to determine affordability.
9. Tax Returns
- Performed owner occupied business analysis when required through review of business tax returns and financial statements.
- Analyze corporate financial statements, tax returns, personal financial statements for potential borrowers.
10. Commercial Loans
- Reviewed large complex commercial loans to determine deficiencies against original Investor.
- Processed, underwrote, closed, and prepared commercial loans for submission to final lender, including LIHTC loans.
11. Credit Risk
Credit risk entails the risk experienced by a lender from the possibility of losing money due to a borrower failing to repay or meet their obligations set out in a loan contract. Credit risk manifests in many forms including loans (the most popular), letters of credit, foreign exchange and lines of credit.
- Identified and communicated critical credit issues and performed appropriate credit risk analysis.
- Performed extensive underwriting functions while identifying credit risk.
12. Financial Data
- Reviewed financial statements and all other relevant financial and non-financial data to develop a sound analytical foundation for a credit decision.
- Analyzed financial data of potential and existing borrowers for creditworthiness and recommended loan products that suited borrowers' needs.
13. Credit Worthiness
- Provide support resources necessary to analyze the credit worthiness and profitability of relationships generated by the Relationship Managers efforts.
- Analyzed financial, background and collateral information to ascertain prospective borrower's credit worthiness.
14. Underwriting Guidelines
Underwriting guidelines are a set of rules and requirements an insurer provides to its agents and underwriters. The underwriter then uses these instructions to judge the prospective insured, whether to accept, modify or reject it. These guidelines help the insurers set the criteria for the customer and let them know the amount of money that should be offered to the client, or whether not to offer an insurance policy in the first place.
- Analyzed risk selection, placement, pricing, and continuation of commercial property and casualty accounts relative to corporate underwriting guidelines.
- Assisted Senior Underwriter with agent training in Arkansas and Kentucky regarding company underwriting guidelines for various product lines and risk qualifications.
15. Due Diligence
Due diligence refers to the process of auditing, investigating, or reviewing done to confirm the authenticity of relevant facts. In addition to this, it also refers to the evaluation of a party's financial records to determine whether one should enter into a transaction with the said party or not.
- Performed due diligence reviews on prospective mortgage purchases and made final purchase recommendations to management.
- Performed due diligence and preparation for sale of Multifamily and residential properties for Department of Housing and Urban Development.
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List of commercial underwriter skills to add to your resume
The most important skills for a commercial underwriter resume and required skills for a commercial underwriter to have include:
- Real Estate
- Customer Service
- Financial Analysis
- Credit Analysis
- Cash Flow
- Risk Management
- Strong Analytical
- Cash Flow Analysis
- Tax Returns
- Commercial Loans
- Credit Risk
- Financial Data
- Credit Worthiness
- Underwriting Guidelines
- Due Diligence
- Financial Statements
- Loss Control
- Commercial Banking
- Industry Analysis
- Bank Secrecy Act
- Loan Portfolio
- Credit Reports
- Underwriting Process
- Underwriting Decisions
- Credit Quality
- Inspection Reports
- Risk Analysis
- Origination
- SBA
- Loan Committee
- Workers Compensation
- Commercial Property
- Underwriting Standards
- Insurance Coverage
- Profitable Business
- Risk Selection
- Underwriting Authority
- General Liability
- Credit Decisions
- Credit Policy
- Loss Ratio
- Insurance Policies
- Balance Sheet
- Underwriting Policies
- Profitable Growth
- Return Analysis
- ISO
Updated January 8, 2025
