Credit Underwriter (Baltimore, MD, US, 21202)

Job Purpose: Ensures most effective credit limit service in term of quality of decision, turnaround time and communication toward customers. Attracts new customers/prospects by quality of service and underwriting decisions and builds a trustee relationship with customers, to improve customer portfolio profitability.

Key Responsibilities

• Decide credit limit requests consistently, within response time  delays included in Credit Business Model by assessing buyer with all information available in IRP and his/her own market knowledge.
• Monitoring of the credit portfolio by requesting further information to Credit office, according to Information Quality Standards
• Responsible for a dedicated customers portfolio (based on experience), steering it and providing a pro-active service level, according to PH classification by regularly meeting customers and broker and by organizing telephone conferences.
• Contributes to support Commercial in steering customers loss ratio and implement necessary actions to ensure or restore profitability of portfolio.
• Takes responsibility in projects and initiatives supporting RBM and IRP related matters.
• Builds relationships with other core functions.

Key Requirements

• Bachelor’s Degree required in economics, finance or related discipline. Advance degree, MBA or MS Finance preferred
• 4+ years’ experience in financial management, experience in banking, credit insurance brokerage or a credit insurance environment.
• Excellent computer skills, with an understanding of financial software and spreadsheet packages.
• Strong analytical and research skills.
• Ability to build long term customer relationship, even in a context of restrictive decisions and deteriorated market
• Strong planning, organizational and workflow prioritization skills.
• Strong communicator and able to convince others of decision taken; ability to hold visits and contacts including difficult meetings with high profile seniors.
• Bilingual preferred
• Looking for candidates that possess a basic awareness of Artificial Intelligence technologies and are enthusiastic about learning and integrating AI into everyday business processes.
  • (Generative) Artificial Intelligence or GenAI or AIData Analysis(Microsoft) CopilotChatGPT 
  • Data Analysis 
  • (Microsoft) Copilot 
  • ChatGPT 

Allianz Group is one of the most trusted insurance and asset management companies in the world. Caring for our employees, their ambitions, dreams and challenges, is what makes us a unique employer. Together we can build an environment where everyone feels empowered and has the confidence to explore, to grow and to shape a better future for our customers and the world around us.  We at Allianz believe in a diverse and inclusive workforce and are proud to be an equal opportunity employer. We encourage you to bring your whole self to work, no matter where you are from, what you look like, who you love or what you believe in. We therefore welcome applications regardless of ethnicity or cultural background, age, gender, nationality, religion, disability or sexual orientation. Join us. Let's care for tomorrow. Note: Diversity of minds is an integral part of Allianz’ company culture. One means to achieve diverse teams is a regular rotation of Allianz Executive employees across functions, Allianz entities and geographies. Therefore, the company encourages its employees to have motivation in gaining varied skills from different positions and to collect experiences from across Allianz Group.