Job Title: Surety Underwriter

Qualification
Commerce Graduate (B.Com/BBA Finance or equivalent)
MBA (Finance) / CA / CMA (CWA) / CS / Master's in Commerce & Finance preferred
Candidates from Banking, NBFCs, Rating Agencies, Insurance Surety Businesses, or Credit Risk Assessment backgrounds will be preferred

Job Summary

The Surety Underwriter will be responsible for evaluating and underwriting surety bond proposals by conducting detailed financial, credit, and risk assessments of business entities across diverse industries. The role requires robust analytical capabilities, understanding of financial statements, credit underwriting, and expertise in Bank Guarantees, Surety Bonds, and related credit products. The incumbent will work closely with business teams to assess risk exposures and recommend appropriate underwriting decisions while ensuring compliance with organizational policies and regulatory requirements.

Key Responsibilities

Underwriting & Risk Assessment
Assess and underwrite Surety Bond proposals for corporate, SME,



and contractor clients across various industries.
Conduct comprehensive credit and financial analysis of applicants to evaluate their repayment capacity, financial stability, and overall creditworthiness.
Analyze borrower financials including:
Liquidity Ratios
Leverage Ratios
Solvency Ratios
Profitability Analysis
Cash Flow Analysis
Working Capital Cycle Analysis
Net Worth Assessment
Auditor's Report Review
Evaluate credit reports, banking conduct, payment track records, and external risk indicators.

Financial & Business Analysis
Develop a thorough understanding of the client's:
Business model
Industry dynamics
Market positioning
Management and ownership structure
Economic and sectoral conditions
Growth plans and business projections
Assess project viability and ongoing concern status of prospective customers.

Surety & Guarantee Underwriting
Evaluate risks associated with:
Surety Bonds
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📌 Surety Underwriter Pune
🏢 Bajaj General Insurance
📍 Pune