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 company’s 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 organization’s 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.
What’s in it for You
At Element, we recognize our team's 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 request. Should you require an accommodation with our hiring process please send an email to reclutamiento@elementcorp.com or call 55 5018 7100.
Element Fleet Management (TSX: EFN) is a global leader in fleet management, driven by a single Purpose: to Move the world through intelligent mobility. We provide a superior client experience and tailored mobility solutions, along with deep and broad expertise to help our clients achieve extraordinary results. As fleet experts, we make the complicated simple for our clients, allowing them to focus on their business. Put your fleet in the hands of our dedicated professionals, who will help you reduce your costs and manage your business across the entire fleet lifecycle. For more information, visit www.elementfleet.com or call (800) 665-9744.
