Commercial Underwriter Visa Sponsorship Jobs in New York
Commercial underwriter visa sponsorship jobs in New York put you at the center of one of the world's largest insurance and financial services markets. Major employers including Chubb, AIG, Zurich North America, and Liberty Mutual maintain significant underwriting operations across Manhattan and the broader metro area, sponsoring international candidates for specialty and commercial lines roles.
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The Sr. Commercial Real Estate Underwriter is responsible for performing financial statement spreading, underwriting and credit analysis to support commercial lending and commercial loan portfolio management activities. The Sr. Commercial Real Estate Underwriter will be focused on completing credit memos representing new money requests to new and existing Borrowers. The Sr. Commercial Real Estate Underwriter may also support the Portfolio Management team by completing annual reviews, renewals, change memos and modifications.
Essential Functions
- Prepare timely, high quality credit analysis and recommendations that accurately and thoroughly evaluate the strengths and weaknesses associated with credit actions.
- Engage in the Opportunity Memo process, assessing the strengths and weaknesses of credits and finalizing Opportunity Memos for presentation. Actively participate on OM calls.
- Effectively analyze financial statements and related data, industry risk, loan structure and market conditions to assess the overall creditworthiness and repayment ability of borrowers.
- Utilize financial spreading software as well as other financial analysis tools to evaluate borrower’s cash flow and determine adequacy of the borrower’s primary and secondary repayment sources.
- Conduct underwriting, identify credit risks, analyze repayment capacity and prepare collateral coverage and present in a narrative format within credit memos or modifications to support requests for new money, renewals, annual reviews and modifications.
- Work within the guidance of the credit approval team to recommend appropriate credit structuring, documentation, and risk controls on credit requests.
- Assist in determining the appropriate level of underwriting and due diligence for the credit’s risk profile.
- Complete underwriting tasks within expected service level and turnaround times.
- Participate in business calls with commercial lending and credit administration teams.
- Maintain a working knowledge of macroeconomic issues in local markets and regional industries.
- Maintain data integrity with the underwriting platform to ensure accurate record of credit relationships.
- Responsible for all compliance and audit-related matters in area of responsibility.
- Remain current on all banking rules and regulations relating to Credit Administration, Commercial Lending and Appraisals.
- Identify policy exceptions for credit requests consistent with the Bank’s Commercial Credit Policy.
- Monitor, develop, and suggest revisions to workflows and procedures as necessary to enhance efficiency and minimize expenses.
- Identify potential for credit losses and mitigate risk appropriately.
- Utilize risk rating models to accurately determine risk ratings for credit requests.
- Prioritize assignments with guidance from the Commercial Credit Managers.
- Evaluate the financial condition of guarantors through the effective analysis of personal financial statements and personal tax returns.
- Perform loan covenant testing calculations and update covenant compliance records.
- Complete education, as identified or assigned, provides expertise in loan underwriting, loan structuring, and overall professional development.
- Develop business writing and professional communication skills.
- Review loan documentation to confirm accuracy.
- Perform other related duties and/or projects as assigned.
- Serve, when requested, on special teams and projects.
- Provide educational training and support for new analysts.
- Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations.
- Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency.
- Work as part of a team.
- Work with on-site equipment.
Education And Experience
- Bachelor’s degree in business administration, management, accounting, finance or other related discipline.
- 3 - 5 years relevant commercial lending or credit administration experience, specifically related to C&I lending.
- Formal credit training a plus.
The pay range for this position is generally $61,500 to $110,000 annually plus bonus. Actual pay is based on various factors including but not limited to the successful candidate’s experience, skills, and knowledge.
This position is onsite Monday - Thursday. Fridays are an optional work from home day.
Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.
Job Description
The Sr. Commercial Real Estate Underwriter is responsible for performing financial statement spreading, underwriting and credit analysis to support commercial lending and commercial loan portfolio management activities. The Sr. Commercial Real Estate Underwriter will be focused on completing credit memos representing new money requests to new and existing Borrowers. The Sr. Commercial Real Estate Underwriter may also support the Portfolio Management team by completing annual reviews, renewals, change memos and modifications.
Essential Functions
- Prepare timely, high quality credit analysis and recommendations that accurately and thoroughly evaluate the strengths and weaknesses associated with credit actions.
- Engage in the Opportunity Memo process, assessing the strengths and weaknesses of credits and finalizing Opportunity Memos for presentation. Actively participate on OM calls.
- Effectively analyze financial statements and related data, industry risk, loan structure and market conditions to assess the overall creditworthiness and repayment ability of borrowers.
- Utilize financial spreading software as well as other financial analysis tools to evaluate borrower’s cash flow and determine adequacy of the borrower’s primary and secondary repayment sources.
- Conduct underwriting, identify credit risks, analyze repayment capacity and prepare collateral coverage and present in a narrative format within credit memos or modifications to support requests for new money, renewals, annual reviews and modifications.
- Work within the guidance of the credit approval team to recommend appropriate credit structuring, documentation, and risk controls on credit requests.
- Assist in determining the appropriate level of underwriting and due diligence for the credit’s risk profile.
- Complete underwriting tasks within expected service level and turnaround times.
- Participate in business calls with commercial lending and credit administration teams.
- Maintain a working knowledge of macroeconomic issues in local markets and regional industries.
- Maintain data integrity with the underwriting platform to ensure accurate record of credit relationships.
- Responsible for all compliance and audit-related matters in area of responsibility.
- Remain current on all banking rules and regulations relating to Credit Administration, Commercial Lending and Appraisals.
- Identify policy exceptions for credit requests consistent with the Bank’s Commercial Credit Policy.
- Monitor, develop, and suggest revisions to workflows and procedures as necessary to enhance efficiency and minimize expenses.
- Identify potential for credit losses and mitigate risk appropriately.
- Utilize risk rating models to accurately determine risk ratings for credit requests.
- Prioritize assignments with guidance from the Commercial Credit Managers.
- Evaluate the financial condition of guarantors through the effective analysis of personal financial statements and personal tax returns.
- Perform loan covenant testing calculations and update covenant compliance records.
- Complete education, as identified or assigned, provides expertise in loan underwriting, loan structuring, and overall professional development.
- Develop business writing and professional communication skills.
- Review loan documentation to confirm accuracy.
- Perform other related duties and/or projects as assigned.
- Serve, when requested, on special teams and projects.
- Provide educational training and support for new analysts.
- Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations.
- Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency.
- Work as part of a team.
- Work with on-site equipment.
Education And Experience
- Bachelor’s degree in business administration, management, accounting, finance or other related discipline.
- 3 - 5 years relevant commercial lending or credit administration experience, specifically related to C&I lending.
- Formal credit training a plus.
The pay range for this position is generally $61,500 to $110,000 annually plus bonus. Actual pay is based on various factors including but not limited to the successful candidate’s experience, skills, and knowledge.
This position is onsite Monday - Thursday. Fridays are an optional work from home day.
Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.
Commercial Underwriter Job Roles in New York
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Search Commercial Underwriter Jobs in New YorkCommercial Underwriter Jobs in New York: Frequently Asked Questions
Which visa types realistically fit commercial underwriter roles in New York?
Commercial underwriting is a specialty occupation requiring at least a bachelor's degree in finance, risk management, business, or a related field, which makes it eligible for the H-1B visa. Australian nationals can pursue the E-3 visa, and Chilean and Singaporean nationals may qualify under the H-1B1 visa. Candidates already on F-1 OPT can work for a sponsoring employer while transitioning to one of these long-term visa categories.
Which companies sponsor visas for commercial underwriters in New York?
New York-based insurers and financial groups with consistent H-1B visa and E-3 sponsorship activity in underwriting include AIG, Chubb, Zurich North America, Liberty Mutual, and Munich Re. Lloyd's of London syndicates operating in the New York market and specialty lines carriers like Markel and W.R. Berkley also hire internationally. Sponsorship activity varies by year and line of business, so confirming current filing history with individual employers is worthwhile.
How to find commercial underwriter visa sponsorship jobs in New York?
Migrate Mate lists New York commercial underwriter roles specifically from employers with verified visa sponsorship history, so you can focus your search on companies already familiar with the sponsorship process. Filtering by role and state surfaces active openings in Manhattan, White Plains, and other metro hubs. Checking employer LCA filing history on Migrate Mate before applying helps confirm that a company has sponsored underwriting positions in the past.
Which cities in New York have the most commercial underwriter sponsorship jobs?
Manhattan accounts for the overwhelming majority of commercial underwriter sponsorship opportunities in New York, driven by the concentration of global insurers, reinsurers, and specialty carriers headquartered or regionally based there. White Plains in Westchester County hosts several insurance company regional offices. Buffalo and Albany have smaller but active markets tied to regional carriers and financial institutions serving upstate commercial clients.
Are there state-specific factors that affect visa sponsorship for commercial underwriters in New York?
New York's status as a global reinsurance and specialty insurance hub creates consistent international hiring demand, particularly for candidates with expertise in property, casualty, and marine lines. The state's dense concentration of Lloyd's coverholders and excess-surplus lines carriers means roles often require niche technical skills that support sponsorship decisions. New York insurance licensing requirements apply regardless of visa status, so candidates should factor exam preparation into their timeline alongside the sponsorship process.
What is the prevailing wage for sponsored commercial underwriter jobs in New York?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.