Director, Insurance Credit Risk

Location: 333 Bush St. Suite 2700, San Francisco, United States. Work from anywhere in the U.S. is available for six weeks annually.

Salary: $157,500–$183,500 annual base salary.

Company

hirify.global provides reliable liquidity to member financial institutions and supports affordable housing and economic development.

What you will do

• Underwrite, assign internal credit ratings to, and monitor an assigned portfolio of life, health, and property and casualty insurance company members.
• Analyze statutory and U.S. GAAP financial statements, regulatory filings, capital adequacy, reserves, liquidity, reinsurance arrangements, and business performance.
• Assess investment portfolio asset quality, composition, concentrations, duration, liquidity, and exposure to changing market conditions.
• Prepare credit memoranda covering financial condition, key risks, mitigating factors, rating rationale, and recommended credit structure.
• Monitor changes in financial condition, regulatory status, market exposure, collateral risk, borrowing capacity, and overall credit quality.
• Present recommendations to senior management and credit approval committees, support credit governance, and advise internal partners on insurance credit risk, underwriting, statutory accounting, reinsurance, and capital adequacy.

Requirements

• Bachelor’s degree in finance, accounting, economics, business administration, or a related field, or equivalent relevant experience.
• At least 10 years of progressively responsible experience in credit analysis, underwriting, financial analysis, insurance company analysis, financial institution risk management, regulation, or credit ratings.
• Substantial direct experience assessing insurance company creditworthiness, including statutory and GAAP financial statements, regulatory filings, capital measures, investment portfolios, reserves, liquidity, and reinsurance.
• Strong knowledge of insurance regulation, statutory accounting, GAAP reporting, and credit rating methodologies.
• Experience preparing and presenting complex credit recommendations to senior approval authorities, governance committees, or equivalent decision-makers.
• Strong analytical and financial writing skills, independent judgment, and the ability to critically evaluate assumptions and evidence.
• Proficiency with market data, credit risk platforms, and advanced Excel.
• Ability to manage multiple complex reviews independently.

Culture & Benefits

• Senior individual contributor role with no people-management responsibilities.
• Collaboration with skilled colleagues and support for professional growth and work-life goals.
• Medical, dental, vision, mental health, life insurance, disability coverage, and a 401(k) with company match.
• Vacation, sick leave, holidays, wellness and volunteer days, plus parental and family leave.
• Backup care for children, elders, and pets, annual wellness and technology stipends, transit subsidy, and pretax transit and parking benefits.