Risk Underwriter

Mission:

• Analyze the payment’s ability of buyers, in the frame of each sector and country.
• Set a maximum envelope on a buyer or a group, issue limits to be monitored upon updated information.
• Participate in profitable developments of commercial business by analyzing new clients’ portfolios and by improving the acceptance rate of existing contracts. 
• The incumbent will operate within the delegation profile as stated in the general rules for the Group Underwriting activity.

Job Description: 

Credit risk analysis
- Analyze information on debtors as provided by internal systems (Atlas, Atlas Info) in order to set credit 
  limits. 
- Follow Maximum Standard Exposure (MSE), Maximum Debtor Exposure (MDE) and/or Maximum Group Exposure (MGE) process to propose maximum ceiling to be set on a buyer or a group.
- Maintain quality, productivity and process time standards set by Group risk underwriting department.

Monitoring
- Monitor closely policyholders' portfolio in order to mitigate loss.
- Review credit limits upon any additional information (negative report, extension of credit terms, 
  deterioration of buyer’s environment: sectors or country, press clippings).
- Determine the Extension Due Date (EDD) in co-operation with the Account Managers and Claims department.

Customer relationship
- Inform and explain credit restrictions to policyholders when granting, reducing or cancelling limits,
  where required.
- Network with Enhanced Information Center, Debt Collection, CRM and Sales departments to ensure an
  optimal account management process flow within defined SLAs.

Commercial support
- Appraise restrictive decisions, low DRA, and any other relevant data prior to the renewal
  of contracts.
- Participate in meetings with prospects, policyholders, brokers and banks set up by the commercial team 
  to ensure business acquisition, retention or renewal, as appropriate.

Compliance
- Ensure compliance with regulations and procedures as laid down by Coface and external regulators.