Underwriter

Get started on an exciting career at Element!

Element employees make a difference in the lives of others every day. We are re-defining the fleet management industry to be people first then business delivering on our promise of a superior client experience. This takes hard work and innovation and we need more like-minded people on our team.

The Underwriter is responsible for evaluating analyzing and approving business opportunities through comprehensive credit and financial risk assessments ensuring full alignment with internal policies and the companys risk appetite. This role manages an assigned portfolio and supports new client acquisitions across diverse industries partnering closely with the commercial team to structure sound sustainable financial solutions. The primary objective is to safeguard portfolio quality and profitability by maintaining disciplined risk management standards and consistently contributing to the organizations strategic objectives.

Credit Analysis and Approval:

Evaluate structure and approve business opportunities through comprehensive financial and qualitative analysis. Prepare and present credit proposals to the Committee including collateral analysis financial projections and risk assessment. Lead due diligence processes and conduct client interviews. Ensure compliance with internal policies risk appetite and regulatory requirements (AML KYC credit bureau).

Portfolio Management and Business Support:

Manage and monitor the assigned portfolio to maintain active credit lines renewals and approved amendments. Collaborate with commercial teams and cross-functional areas in pipeline follow-up and transaction structuring. Conduct client visits and calls to ensure ongoing monitoring and continuous risk assessment. Formalize and onboard approved credit lines ensuring complete documentation and compliance with internal requirements.

Strategic Projects and Development:

Participate in continuous improvement initiatives including automation and artificial intelligence projects applied to credit analysis.

Contribute to and participate in training and development activities within the underwriting team.

Education and Experience

Minimum of 5 years of experience in financial institutions specifically in credit analysis underwriting and credit risk assessment. Experience presenting cases to credit committees and making well-founded decisions. Experience in portfolio management and monitoring.

Whats in it for You

At Element we recognize our teams efforts with a competitive compensation package and benefits that go beyond legal requirements:

Competitive base salary

Annual bonus

Savings fund and savings account

Retirement plan with company contribution

Grocery and restaurant vouchers

Support for sports activities

Additionally we offer non-monetary benefits that enhance your quality of life serve the needs of you and your family and foster a culture of wellness: medical and life insurance flexible schedules a hybrid work model and free parking.

We are a culture of innovation empowerment decision-making and accountability.

Candidates must be willing to comply with a pre-employment background check.

Element Fleet Management and its wholly owned subsidiaries are an equal opportunity employer committed to diversity equity inclusion and belonging. We are pleased to consider all qualified applicants for employment without regard to race color religion gender identity age sex sexual orientation disability national origin Aboriginal/Native American status protected veterans status or any other legally-protected factors. Disability-related accommodations during the application and interview process are available upon you require an accommodation with our hiring process please send an email to or call.