Title: Senior Risk Manager & Underwriter Job Description: Job ID 504560 Organization Siemens Financial Services Field of work Finance Company Siemens Financial Services, Inc. Experience level Experienced Professional Job type Full-time Work mode Hybrid (Remote/Office) Employment type Permanent Any Siemens location in - Connecticut - United States of America - New Jersey - United States of America - New York - United States of America - Pennsylvania - United States of America Senior Underwriter – Real Estate Siemens Financial Services Inc (SFS), Project Structure Americas (PS-AM) is hiring a Senior Underwriter – Real Estate to be responsible for end-to-end new business underwriting, execution and portfolio management for healthcare construction and acquisition loans in its Structured Finance team. This role is intended for a highly experienced underwriting professional who will serve as a senior technical resource within the team, bringing deep expertise across the full lifecycle of complex construction and acquisition financings. You will be responsible for reviewing, underwriting and closing new healthcare real estate transactions using sound credit and structure analysis while managing a portfolio of closed and funded transactions for SFS. You will also be managing the adherence to all mandated SFS Credit Policies and Guidelines in the credit and structure analysis of prospective new transactions and include property/market site visits and meet with tenants and borrowers. Transform the every day with us! The ideal candidate will have knowledge and understanding of the healthcare market and/or in a construction real estate lender role. Preferably, experience with financial equity sponsors and highly structured commercial loan real estate transactions. Candidates are expected to demonstrate independent judgment, depth of structuring expertise, and the ability to lead transactions across the full underwriting and execution lifecycle. This position is Hybrid and can be based in the following states: New York, New Jersey, Connecticut, or Pennsylvania. Basic Qualifications: - 10 years underwriting and portfolio management experience in commercial real estate transactions - Experience serving as a mentor, reviewer, or technical resource to underwriters within the risk management team. - Demonstrated experience negotiating, underwriting, and closing non-recourse commercial real estate loans used for acquisition and construction transactions. - Experienced analyzing and discussing third party property valuations, including MAI appraisals. - Fluent in commercial real estate construction underwriting and managing construction draw process through completion. - Experienced in loan negotiation and documentation. - Minimum 4-year college degree with a focus on Finance, Business Administration or Accounting. - Demonstrate a comprehensive overall knowledge of credit, audit, and portfolio management as well as a general understanding of new business development and loan servicing and administration - Excellent verbal and written communication skills including ability to interact effectively and directly with customers and with all levels of management - Ability to travel 25% Preferred Qualifications: - MBA preferred or sufficient additional industry experience - Completed formal bank credit training program Essential Job Functions: - Serve as a subject-matter expert and mentor to underwriting staff, sharing best practices and providing guidance on underwriting approach, transaction structuring, and risk assessment. - Excellent analytical skills in commercial loan transactions, with an emphasis on healthcare commercial real estate, including operating, counterparty, and other contractual agreements. - Ability to assess underlying tenant financial statements as well as third-party property reports including valuation, condition, environmental and zoning reports. - Extensive healthcare industry sector expertise with a strong understanding of all key industry risk drivers and market trends - Excellent ability to understand and interpret highly technical data and information, with the further ability to present the information in a clear, concise and non-technical manner to allow approval authorities to be able to efficiently reach a decision on prospective financing requests. - Excellent real estate cash flow modeling skills, including Argus Software, and the ability to appropriately build and sensitize financial models. Strong ability to analyze and interpret cash flow model data. Experience with corporate cash flow modeling is preferred. - Lead deal packaging / submittal process by authoring the Credit Report and other appropriate underwriting documents for approval or presentation to the appropriate lending authority committee. - Manage the construction draw package process through completion from a credit and risk management perspective. Maintain end-to-end ownership of transactions from initial underwriting through construction completion and ongoing portfolio monitoring. - As part of the ongoing review and monitoring process; gather and evaluate client information, compare to industry benchmarks, analyze third party information, assess risk and recommend credit levels, financing structures and documentation requirements within standards and following risk management policies; - Ensure all SFS risk management guidelines are adhered to and exceptions documented; - Partner with internal and external legal counsel to negotiate loan documentation, proactively identifying and resolving legal, structural, and credit issues. - Assist in the oversight of the documentation/contracting and funding/booking processes, including resolving any open items and ensuring all credit conditions are satisfied prior to funding; - Be responsive and provide ongoing support to the sales, marketing and business development personnel, and develop working relationships with other support functions (Legal, Loan Operations, Asset Management, Accounting); - Attend industry seminars and courses focused on credit skills, financial statement analysis, commercial construction, portfolio management, project finance and the Healthcare and Real Estate industries. Contribute to the continuous improvement of underwriting standards, documentation approaches, and risk management practices across the Structured Finance platform. About Siemens: We are a global technology company focused on industry, infrastructure, transport, and healthcare. From more resource-efficient factories, resilient supply chains, and smarter buildings and grids to sustainable transportation as well as advanced healthcare, we create technology with purpose adding real value for customers. Learn more about Siemens here. Our Commitment to Equity and Inclusion in our Diverse Global Workforce: We value your unique identity and perspective. We are fully committed to providing equitable opportunities and building a workplace that reflects the diversity of society, while ensuring that we attract the best talent based on qualifications, skills, and experiences. We welcome you to bring your authentic self and transform the everyday with us. You’ll Benefit From Siemens offers a variety of health and wellness benefits to our employees. The pay range for this position is $120,666 - $206,858 annually with a target incentive of 50% of the base salary. The actual wage offered may be lower or higher depending on budget and candidate experience, knowledge, skills, qualifications, and premium geographic location. Equal Employment Opportunity Statement Siemens is an Equal Opportunity Employer encouraging inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to their race, color, creed, religion, national origin, citizenship status, ancestry, sex, age, physical or mental disability unrelated to ability, marital status, family responsibilities, pregnancy, genetic information, sexual orientation, gender expression, gender identity, transgender, sex stereotyping, order of protection status, protected veteran or military status, or an unfavorable discharge from military service, and other categories protected by federal, state or local law. EEO is the Law Applicants and employees are protected from discrimination on the basis of race, color, religion, sex, national origin, or any characteristic protected by Federal or other applicable law. Reasonable Accommodations If you require a reasonable accommodation in completing a job application, interviewing, completing any pre-employment testing, or otherwise participating in the employee selection process, please fill out the accommodations form by clicking on this link Accommodation for disability form. If you’re unable to complete the form. Pay Transparency Siemens follows Pay Transparency laws. California Privacy Notice California residents have the right to receive additional notices about their personal information. To learn more, click here. Criminal History Qualified applications with arrest or conviction records will be considered for employment in accordance with applicable local and state laws.

• エンタープライズ・リスクマネジメント、コンプライアンスリスク、内部統制活動の設計・運用・モニタリングおよび継続的改善の支援 • 重要な業務リスク、コンプライアンスリスク、倫理リスク、事業継続リスクを特定・評価・報告し、適切な低減策の実行を支援する • 議題準備、情報収集、議事録・アクション管理、エスカレーション資料作成を行う • 経営層および関連委員会向けに、リスク/統制状況、課題、選択肢、提言を分かりやすく整理した報告資料を作成する

• Responsible for establishing repeatable processes for identifying technologies adopted across the organization. • Assessing associated risks and onboarding technologies into operational management. • Improving visibility into the organization's technology ecosystem. • Works collaboratively with Security, IT, Enterprise Architecture, Procurement, Privacy, Legal, and business stakeholders. • Develops and implements processes that improve visibility into SaaS applications, cloud services, AI platforms, browser extensions, and other business-adopted technologies. • Analyzes telemetry from enterprise identity, endpoint, cloud, network, browser, and security platforms. • Investigates technology usage to determine business purpose, ownership, data sensitivity, regulatory considerations, operational dependencies, and associated security risks. • Partners with business stakeholders to understand technology adoption and facilitate secure onboarding into established operational processes. • Coordinates with IT and technology teams to ensure technologies are appropriately reviewed, documented, inventoried, and transitioned into operational ownership. • Establishes and maintains inventories of business applications, technology owners, integrations, data classifications, and associated risk information. • Performs technical risk assessments and recommend practical security controls and mitigation strategies that support business objectives. • Implements and optimizes capabilities supporting technology governance, technology inventory, and security posture management. • Develops automation using scripting, APIs, and workflow technologies to improve discovery, inventory synchronization, reporting, and lifecycle management. • Produces operational and executive reporting that communicates technology adoption trends, governance maturity, operational metrics, and technology risks. • Builds trusted relationships across technical and business teams to encourage secure technology adoption and effective governance. • Documents all implemented processes, workflows, and operational procedures to support long-term sustainability. • Performs other duties as assigned.

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