Remote-Eligible Insurance Risk Lead (Principal Associate)

Capital One; Dover (DE); Remote; USD 99,000 - 124,000; Full time

Job summary

Capital One is seeking an Insurance Risk - Principal Associate (Remote-Eligible) to review loan documentation, insurance certificates, and investor guidelines, identify deficiencies, and work with borrowers and agents to resolve non-compliant items. The role requires 5+ years in the insurance industry with knowledge of core coverages, strong communication, and the ability to work independently.

GSE multifamily loan exposure is preferred and the position is remote-eligible with salary details

Qualifications

• High School Diploma, GED, or equivalent certification.
• At least 5 years of experience in the insurance industry, focusing on commercial risk, underwriting, or compliance.
• Familiarity with Fannie Mae or Freddie Mac (GSE) Multifamily Loans preferred.
• Certifications in ARM, CPCU, or CRM are a plus.

Responsibilities

• Compliance & Analysis: Review loan documentation, third party documents and investor guidelines to identify applicable insurance requirements; identify deficiencies in current policies and collaborate with agents and borrowers to resolve non-compliant items.
• Technical Policy Review: Analyze insurance certificates, binders, full policies, and endorsements to ensure accuracy and adequacy.
• Waiver Management: Holistically evaluate the risk associated with insurance deficiencies. Determine the feasibility of waivers and independently draft comprehensive justifications for investor approval.
• Subject Matter Expertise: Maintain a deep understanding of core coverages (General Liability, Umbrella/Excess, Property, etc.) and articulate the necessity of these coverages in protecting the underlying asset.
• Stakeholder Coordination: Partner with internal lines of business and external stakeholders (borrowers, agents, third-party providers, and GSEs) to provide expert guidance on insurance matters.
• Force Placement & Audit: Manage force-placed insurance processes when necessary and represent the department in both internal and external audits.
• Process Improvement: Proactively identify opportunities to streamline workflows, increase internal controls, and improve departmental efficiency.

Skills

Insurance risk analysis

Compliance

Policy review

Stakeholder communication

Independent work

Education

Bachelor's degree

Military experience

Job description

Capital One is seeking an Insurance Risk - Principal Associate (Remote-Eligible) to review loan documentation, insurance certificates, and investor guidelines, identify deficiencies, and work with borrowers and agents to resolve non-compliant items. The role requires 5+ years in the insurance industry with knowledge of core coverages, strong communication, and the ability to work independently.

GSE multifamily loan exposure is preferred and the position is remote-eligible with salary details