Senior Risk Underwriter Atradius - 4.1 Baltimore, MD Job Details Full-time $90,000 - $120,000 a year 16 hours ago Benefits Disability insurance Health insurance Dental insurance Paid time off Parental leave 401(k) matching Life insurance Qualifications Customer communication Credit risk report Economics Underwriting guidelines adherence Market analysis Commercial loans Bachelor's degree in finance Balance sheet Bachelor's degree in business Providing information to customers Financial statement analysis Bachelor's degree in economics Finance Master's degree Bachelor's degree Financial report interpretation Financial intelligence gathering Reducing portfolio risk Credit history review Organizational skills Corporate finance analysis experience in risk and credit Credit report review Financial statement interpretation Insurance for risk management Credit report analysis Senior level Portfolio risk management Business Communication skills Portfolio management in underwriting Full Job Description Atradius The Atradius Group provides trade credit insurance, surety and collections services worldwide, and has a presence through 160 offices in 52 countries. The products offered by Atradius protect companies around the world against the default risks associated with selling goods and services on credit. At Atradius, we believe in personal development and the Growth Mindset. Our Culture is based on teamwork, reliable accountability, constantly improving and unrivalled service. Read on more on our Career site: https://careers.atradius.com/en/careers. Department Description Risk Services Job Description Through its US subsidiary, Atradius Trade Credit Insurance Inc, an opportunity exists for an experienced credit professional to join our Underwriting Team as a Senior Underwriter. For the right individual, this is an opportunity to work together in a professional environment where everyone's contribution is valued. In this position your key responsibilities will be: Evaluate and approve new limit requests within delegated authorities while applying underwriting principles and procedures in line with corporate governance. Establish credit insurance exposure thresholds for aggregate risk appetite and accurately maintain risk scores/ratings on buyers within delegated authorities Set and articulate underwriting strategies for each known buyer group, buyer and sector within the portfolio Monitor the exposure development of the portfolio and modify the underwriting risk management approach as necessary based on the continual risk assessment of the market, sector, and buyer to optimize the claims ratio Prepare and present formal recommendations to the Credit Committee based on fundamental credit analysis for customer requests exceeding specific risk thresholds Serve as the Risk liaison to commercial team, brokers, and customers, managing expectations around risk underwriting, pending Credit Committee decisions, and recommended risk appetite. Participate in any relevant calls and buyer or customer visits to enhance portfolio risk management and excellence Ad-hoc project specific deliverables as required Technical Skills include: Identify appropriate market intelligence to support sustainable and real-time underwriting strategies. Analyze corporate financial statements, annual reports and press reports to establish an opinion on the underlying creditworthiness of risks assumed. Demonstrate a clear understanding of all components of financial statements (income statement, balance sheet, cash flow & accompanying notes) Leverage soft credit information using credit rating methodology, proprietary information sources, industry specific credit bureaus, and bottom-up Underwriting strategies to maximize Risk Excellence. What qualification should you have? The ideal candidate will have the following profile: A bachelor's degree in business, finance or economics, and 5 years of commercial credit and/or commercial lending experience with an emphasis on financial analysis. Master's degree and/or Credit/Finance Certificate from an accredited organization. Effective written and verbal communication skills are critical for the position as you will be providing regular updates and recommendations to our Risk and Country Directors. What do we offer?

Competitive Salary:

$90,000 - $120,000 annually, dependent on experience level with a 10% bonus potential.

Paid Time Off:

3 weeks vacation, 8 floating holidays, 6 sick days, maternity and parental leave, office closure holidays.

Flexible Working:

Hybrid model with 3 days remote and 2 days onsite.

Insurance:

Medical and dental plans with shared premiums, Vision, Disability and Life Insurance fully paid by company.

Retirement Plan:

401k with 100% company match up to 6% of salary contributions and annual profit share, pre-tax and Roth options. For more information check out our career page at: United States - Working at Atradius Equal opportunities for all The success of our organization stands with the quality of our people and the ideas they have. Insights and innovative solutions for our customers are the result of an interplay of cultures, knowledge and experience. That is why diversity is extremely important to Atradius. To ensure that all colleagues within Atradius can develop their qualities, we promote an inclusive culture in which everyone feels involved and valued. We encourage and welcome everyone to apply to our positions. Do you have any questions about our offer? Susan PAULSON, Human Resources, is available by e-mail at . I am Atradius! - Do you want to know who we are? Get to know Atradius colleagues in this video: https://www.youtube.com/watch?v=NnsgT04OpTU&t=4s Atradius is a global provider of credit insurance, bond and surety, collections and information services, with a strategic presence in over 50 countries. The products offered by Atradius protect companies around the world against the default risks associated with selling goods and services on credit. Atradius is a member of Grupo Catalana Occidente (GCO.MC), one of the largest insurers in Spain and one of the largest credit insurers in the world.

Number:

2432

Title:

Senior Risk Underwriter Unit:

RISK5-RS5-

Americas Deadline:

03/12/2026, 22:59 Employment type: Full time Position type: Permanent Job experience level:

Intermediate Level Country:

United States, Baltimore