Underwriter Jobs in Boston, MA

About Everest Everest is a leading global reinsurance and insurance provider, operating for nearly 50 years through subsidiaries in the Europe, Bermuda, Canada, Singapore, US, and other territories. Our strengths include extensive product and distribution capabilities, a strong balance sheet, and an innovative culture. Throughout our history, Everest has maintained its discipline and focuses on creating long-term value through underwriting excellence and strong risk and capital management. But the most critical asset in this organization is our people. Everest is a growth company offering Property, Casualty, and specialty products among others, through its various operating subsidiaries located in key markets around the world. Everest has been a global leader in reinsurance with a broad footprint, deep client relationships, underwriting excellence, responsive service, and customized solutions. Our insurance arm draws upon impressive global resources and financial strength to tailor each policy to meet the individual needs of our customers. At Everest, we are committed to the development of our people. We offer dynamic training & professional development to our employees. You will benefit from career development and learning opportunities that will let you set career goals and fulfill them, including: * Generous tuition/continuing education reimbursement * Mentoring opportunities * Flexible work arrangements * Talent development initiatives * Networking groups Job Summary: Responsibilities include but not limited to: * New and renewal business production underwriting of monoline pollution business including Site Pollution Liability, Contractors Pollution Liability, and Contractors Pollution & Professional Liability * Adherence to underwriting authority and guidelines * Building a profitable book of business * Developing strong customer relationships through providing top-notch service Qualifications, Education & Experience: * Bachelor's degree or above and insurance certifications, environmental engineering/science and technical knowledge a plus * 5 -10 years of experience in monoline pollution production underwriting, including contaminated property transactions and construction wrap-up projects * Wholesale and retail distribution experience required with a strong broker following Knowledge, Skills & Competencies: * Proven ability to generate profitable new business * Strong relationship management skills * Excellent analytical, communication, and computer skills * Ability to successfully complete multiple tasks concurrently within a fast-paced, dynamic, and team-oriented, working environment * A positive, customer-oriented approach * Ability to travel required at least 25%. Our Culture At Everest, our purpose is to provide the world with protection. We help clients and businesses thrive, fuel global economies, and create sustainable value for our colleagues, shareholders and the communities that we serve. We also pride ourselves on having a unique and inclusive culture which is driven by a unified set of values and behaviors. Click here to learn more about our culture. * Our Values are the guiding principles that inform our decisions, actions and behaviors. They are an expression of our culture and an integral part of how we work: Talent. Thoughtful assumption of risk. Execution. Efficiency. Humility. Leadership. Collaboration. Diversity, Equity and Inclusion. * Our Colleague Behaviors define how we operate and interact with each other no matter our location, level or function: Respect everyone. Pursue better. Lead by example. Own our outcomes. Win together. For CA and NYC Only: The base salary range for this position is $145,000 - $175,000 annually. The offered rate of compensation will be based on individual education, experience, qualifications and work location All colleagues are held accountable to upholding and supporting our values and behaviors across the company. This includes day to day interactions with fellow colleagues, and the global communities we serve. #LI-Hybrid #LI-AS1 Type: Regular Time Type: Full time Primary Location: Philadelphia, PA Additional Locations: Boston, MA, Chicago, IL - South Riverside, Houston, TX, Los Angeles, CA, San Francisco, CA, Stamford, CT, Warren, NJ Everest is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion or creed, sex (including pregnancy), sexual orientation, gender identity or expression, national origin or ancestry, citizenship, genetics, physical or mental disability, age, marital status, civil union status, family or parental status, veteran status, or any other characteristic protected by law. As part of this commitment, Everest will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact Everest Benefits at *********************************. Everest U.S. Privacy Notice | Everest (everestglobal.com)

This position is involved in the review and appraisal of applications for insurance placement . Uses knowledge and independent judgment to determine eligibility of risks when compared to guidelines of programs available. Interacts with Companies and Brokers via telephone, e-mail, regular mail and personal contact. Essential Duties and Responsibilities: Reviews applications for insurance coverage, reports from loss control consultants and other information to determine if application is acceptable for the program(s) available. Evaluate the experience of a risk against the class of business under review. Evaluate the loss potential due to catastrophe, severity, and/or frequency. May rate policies or check previously rated policies for proper rating. Utilizes knowledge of automated systems to develop information for new or renewal policies. Prepares quotations for agents and answers questions from agents, policyholder, or prospects. Assists agents with comments or questions about applications and the likelihood of acceptance by the company. Reviews requests for cancellation, endorsements, etc. Reviews policies for renewal consideration. Request additional documentation necessary for the processing of an application, endorsement or cancellation. Conduct marketing visits to agents. Performs other duties as assigned. Qualifications/Requirements: Must have Producer's License. 3 plus years of insurance experience. Prior exposure to insurance underwriting type activities. Basic familiarity with computers. Good oral and written communications skills. Strong analytical skills and the ability to pay attention to details. Resourceful and controlled assertive behavior characteristics. Must have demonstrated negotiation skills Technical knowledge of insurance coverage forms and their application to exposure. Knowledge of departmental regulations and policies. Ability to work independently and to carry out assignments to completion within parameters of instructions given, prescribed routines and standard accepted underwriting practices. Strong interpersonal skills working with Staff and Company Underwriters Experience in standard underwriting practices and procedures. Associated classes or courses and/or industry license, or designation. We offer a total compensation package which includes salary plus a full comprehensive benefits package. Package includes Paid Time Off Days, Paid Holidays, Hybrid Work Schedule, Retirement Plan with Employer Match, 100% Single Employer Paid Medical, Dental, Vision, Life Insurance, Education Assistance, Various Voluntary Benefits, Wellness Program Including Mental Health Support and an Employee Assistance Program (EAP) and More. Visit Us On LinkedIn: ************************************************* View All Openings: ************************************ Website: **************

Senior Underwriter - UW08BAUnderwriter - UW08BB We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals - and to help others accomplish theirs, too. Join our team as we help shape the future. We're in the business of helping people achieve amazing things by protecting the things that matter most. And you can help us when you join our team of underwriters. They're at the center of everything we do - and by joining us, you'll be on a team known throughout the industry for providing our customers with just the right amount of coverage they need to pursue their unique interests. Your underwriting career here means collaboration, inclusivity, innovative thinking and so much more. Here, doing things the way they've always been done isn't a part of the job. Here, you'll be putting your creative insights to work with other underwriters and leaders, having a seat at the table with key decision makers. And you'll have any number of opportunities for your career to grow in whatever direction you choose. As a Middle and Large Commercial Underwriter in the technology sector, you will quarterback the sales and underwriting process by building exceptionally strong and lasting relationships with agents and brokers, ensuring that The Hartford is the carrier of choice. Success in this role will also entail effective account stewardship by managing the sales process from strategic planning to operational excellence and developing cross-sell and up-sell opportunities across the team. We have a collaborative and results oriented environment, where approachable industry leaders mentor and inspire their teams to win in the market and have fun while doing it. We are seeking a highly skilled Underwriter, who is responsible for the following: Manages and Underwrites a Middle Market Technology book of business Analyzes agency book on quarter-to-quarter basis for potential action Expertly applies all applicable Underwriting guidelines when making decisions Capable of underwriting highly complex business and will require limited support from senior underwriters and infrequent referral activity to complete quotes Has thorough knowledge of applicable laws, regulations and governance Agency Management which includes creating, driving and execution of strategies for new and/or renewal accounts (prospective book management, executes on the mix strategy, low strategy, territorial and agency sales plans, etc.) Acts as a trusted advisor and solution provider to Brokers and Agents Qualifications: Bachelor's Degree preferred, or equivalent combination of education, training and experience. Minimum of 2+ years of P&C Middle Market or Technology Carrier production underwriting experience is required; E&O underwriting experience is a plus. Demonstrated success in developing and maintaining solid relationships with all internal and external business partners. Excellent communication, interpersonal and presentation skills An ability to think analytically about business problems, make recommendations and propose solutions. High energy self-starter, who is resilient and has an entrepreneurial spirit. Demonstration of solid time, organizational, and desk management skills. Goal-oriented and delivers outcomes. Ability to challenge the status quo and compete to win. Superior technical knowledge and sound decision-making and analytical skills. Location: This role will have a Hybrid work arrangement, with the expectation of working in the Boston, MA office 3 days a week (Tuesday through Thursday). Compensation The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford's total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is: $76,000- $144,600 The posted salary range reflects our ability to hire at different position titles and levels depending on background and experience. Equal Opportunity Employer/Females/Minorities/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age About Us | Culture & Employee Insights | Diversity, Equity and Inclusion | Benefits

Company Details Gemini Transportation Underwriters is a leading provider of excess liability insurance for companies in the transportation industry. We offer excess liability coverage for all types of vehicles and excess liability and railroad protection for freight and passenger railroads and public transit systems. As part of W. R. Berkley Corporation, one of the nation's premiere commercial lines property casualty insurance providers, we combine the resources of a Fortune 500 company with the underwriting expertise and personalized service of a specialty carrier. We are pleased to underwrite and issue policies on behalf of Gemini Insurance Company*, also a W.R. Berkley member company, which carries an A. M. Best Financial Strength Rating of A+ (Superior) and a Financial Size Category of XV. Company URL: *********************************** The company is an equal opportunity employer. Responsibilities The Transportation Underwriter will be responsible for evaluating and determining risk acceptability, pricing and coverage for excess liability insurance within company underwriting guidelines and profitability goals. Key functions include but are not limited to: Review new and renewal commercial insurance risks and determine accurate classification of business, policy contract forms and pricing of risk Review operations, exposures and controls, claims and loss information on individual risks. Use this information to evaluate accounts and develop pertinent attachment, limits, pricing and coverage solutions Responsible for achieving predetermined premium goals and profitability objectives, effectively executing the company underwriting philosophy and assuring compliance of underwriting best practices Assist in developing new products, coverage enhancements, and procedures that drive production and processing efficiency Maintain quality and time standards as established Cultivate effective broker relationships; conduct broker visits, communicate expectations and make recommendations for proper action(s) when appropriate Identify and cultivate brokers with new business opportunities Develop presentations to be delivered to the broker, retail agent and/or insured detailing coverages, pricing and services Build and maintain productive relationships with internal service teams including Claims, Finance, and Actuarial to develop best practices and deliver world class service both internally and externally Maintain current knowledge of the regulatory environment (state/federal rules and regulations) pertaining to the industry; exhibit desire to continue education in the insurance field Display positive image in the marketplace with all clients, including broker contacts; maintain positive, professional appearance Exhibit high level of technical underwriting expertise, leadership and professionalism Qualifications Bachelor's Degree UW experience in Transportation such as Auto, Truck and/or Big Fleets) Proven analytical and problem-solving skills required; detail oriented Excellent communication and collaboration skills required Strong time management and organizational skills Additional Company Details We do not accept any unsolicited resumes from external recruiting agencies or firms. The company offers a competitive compensation plan and robust benefits package for full time regular employees. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. Sponsorship Details Sponsorship not Offered for this Role

Job Description As a valued contributor to our team, you will advise team members on managing communications and/or negotiations between Fannie Mae and clients regarding loans and other investments. In this role, you will review and comment on underwriting and reviewing the issuance of securities to customers. *THE IMPACT YOU WILL MAKE* The Multifamily Conventional Underwriter - Advisor role will offer you the flexibility to make each day your own, while working alongside people who care so that you can deliver on the following responsibilities: * Perform forensic underwriting reviews and identify potential red flags to prevent the enterprise from acquiring loans with potential fraud, deficient property values or increased borrower exposure risk. * Advise on potential risks and costs involved with providing services to a customer. * Analyze the risks and costs of a lending decision and make recommendations on process improvement related to decision process. * Advise on process related to issuance of the securities or other financial loans to the customer. Qualifications *THE EXPERIENCE YOU BRING TO THE TEAM* Minimum Required Experience * 6 years of relevant Multifamily underwriting experience Desired Experience * Bachelor's degree or equivalent * Financial analysis * Leveraging ratios * Loan application evaluation * Loan management skills * Property analysis * Risk assessment and management skills * Risk mitigation * Skilled in Excel Fannie Mae is an Equal Opportunity Employer, which means we are committed to fostering a diverse and inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, religion, national origin, gender, gender identity, sexual orientation, personal appearance, protected veteran status, disability, age, or other legally protected status. For individuals with disabilities who would like to request an accommodation in the application process, email us at careers_*********************.

Group Underwriter II Location: Elevance Health operates in a Hybrid Workforce Strategy, providing various levels of flexibility while also ensuring that associates have opportunities to connect in-person. Unless in a designated virtual-eligible role and specified as primarily virtual by the hiring manager, associates are required to work at an Elevance Health location at least once per week, and potentially several times per week. Specific requirements and expectations for time onsite will be discussed as part of the hiring process. Alternate locations may be considered. This position will work in a hybrid model (remote and office). The ideal candidate will live within 50 miles of one of our Elevance Health PulsePoint locations. The Group Underwriter II is responsible for determining acceptability of insurance risks and appropriate premium rates for renewal and prospect employer groups in accordance with corporate underwriting guidelines and authority limits. How You Will Make an Impact Primary duties may include, but are not limited to: * Calculates stop loss rates for group cases based on analysis of group's experience, industry and demographics. * Prepares post-sale reviews. Minimum Requirements: Requires a BA/BS in a related field; Minimum 3 years of experience in underwriting; or any combination of education and experience, which would provide an equivalent background. Preferred Skills, Capabilities, and Experiences: * CPCU, CLU, LOMA, HIAA or other insurance related courses preferred. * Stop Loss underwriting experience preferred For candidates working in person or remotely in the below location(s), the salary* range for this specific position is $60,816 to $104,256. Locations: California, Colorado, District of Columbia (Washington, DC), Maryland, New York, Washington State In addition to your salary, Elevance Health offers benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). The salary offered for this specific position is based on a number of legitimate, non-discriminatory factors set by the Company. The Company is fully committed to ensuring equal pay opportunities for equal work regardless of gender, race, or any other category protected by federal, state, and local pay equity laws. * The salary range is the range Elevance Health in good faith believes is the range of possible compensation for this role at the time of this posting. This range may be modified in the future and actual compensation may vary from posting based on geographic location, work experience, education and/or skill level. Even within the range, the actual compensation will vary depending on the above factors as well as market/business considerations. No amount is considered to be wages or compensation until such amount is earned, vested, and determinable under the terms and conditions of the applicable policies and plans. The amount and availability of any bonus, commission, benefits, or any other form of compensation and benefits that are allocable to a particular employee remains in the Company's sole discretion unless and until paid and may be modified at the Company's sole discretion, consistent with the law. Please be advised that Elevance Health only accepts resumes for compensation from agencies that have a signed agreement with Elevance Health. Any unsolicited resumes, including those submitted to hiring managers, are deemed to be the property of Elevance Health. Who We Are Elevance Health is a health company dedicated to improving lives and communities - and making healthcare simpler. We are a Fortune 25 company with a longstanding history in the healthcare industry, looking for leaders at all levels of the organization who are passionate about making an impact on our members and the communities we serve. How We Work At Elevance Health, we are creating a culture that is designed to advance our strategy but will also lead to personal and professional growth for our associates. Our values and behaviors are the root of our culture. They are how we achieve our strategy, power our business outcomes and drive our shared success - for our consumers, our associates, our communities and our business. We offer a range of market-competitive total rewards that include merit increases, paid holidays, Paid Time Off, and incentive bonus programs (unless covered by a collective bargaining agreement), medical, dental, vision, short and long term disability benefits, 401(k) +match, stock purchase plan, life insurance, wellness programs and financial education resources, to name a few. Elevance Health operates in a Hybrid Workforce Strategy. Unless specified as primarily virtual by the hiring manager, associates are required to work at an Elevance Health location at least once per week, and potentially several times per week. Specific requirements and expectations for time onsite will be discussed as part of the hiring process. Candidates must reside within 50 miles or 1-hour commute each way of a relevant Elevance Health location. The health of our associates and communities is a top priority for Elevance Health. We require all new candidates in certain patient/member-facing roles to become vaccinated against COVID-19 and Influenza. If you are not vaccinated, your offer will be rescinded unless you provide an acceptable explanation. Elevance Health will also follow all relevant federal, state and local laws. Elevance Health is an Equal Employment Opportunity employer and all qualified applicants will receive consideration for employment without regard to age, citizenship status, color, creed, disability, ethnicity, genetic information, gender (including gender identity and gender expression), marital status, national origin, race, religion, sex, sexual orientation, veteran status or any other status or condition protected by applicable federal, state, or local laws. Applicants who require accommodation to participate in the job application process may contact ******************************************** for assistance. Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state, and local laws, including, but not limited to, the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act.

Group Underwriter II Location: Elevance Health operates in a Hybrid Workforce Strategy, providing various levels of flexibility while also ensuring that associates have opportunities to connect in-person. Unless in a designated virtual-eligible role and specified as primarily virtual by the hiring manager, associates are required to work at an Elevance Health location at least once per week, and potentially several times per week. Specific requirements and expectations for time onsite will be discussed as part of the hiring process. Alternate locations may be considered. This position will work in a hybrid model (remote and office). The ideal candidate will live within 50 miles of one of our Elevance Health PulsePoint locations. The Group Underwriter II is responsible for determining acceptability of insurance risks and appropriate premium rates for renewal and prospect employer groups in accordance with corporate underwriting guidelines and authority limits. How You Will Make an Impact Primary duties may include, but are not limited to: * Calculates stop loss rates for group cases based on analysis of group's experience, industry and demographics. * Prepares post-sale reviews. Minimum Requirements: Requires a BA/BS in a related field; Minimum 3 years of experience in underwriting; or any combination of education and experience, which would provide an equivalent background. Preferred Skills, Capabilities, and Experiences: * CPCU, CLU, LOMA, HIAA or other insurance related courses preferred. * Stop Loss underwriting experience preferred For candidates working in person or remotely in the below location(s), the salary* range for this specific position is $60,816 to $104,256. Locations: California, Colorado, District of Columbia (Washington, DC), Maryland, New York, Washington State In addition to your salary, Elevance Health offers benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). The salary offered for this specific position is based on a number of legitimate, non-discriminatory factors set by the Company. The Company is fully committed to ensuring equal pay opportunities for equal work regardless of gender, race, or any other category protected by federal, state, and local pay equity laws. * The salary range is the range Elevance Health in good faith believes is the range of possible compensation for this role at the time of this posting. This range may be modified in the future and actual compensation may vary from posting based on geographic location, work experience, education and/or skill level. Even within the range, the actual compensation will vary depending on the above factors as well as market/business considerations. No amount is considered to be wages or compensation until such amount is earned, vested, and determinable under the terms and conditions of the applicable policies and plans. The amount and availability of any bonus, commission, benefits, or any other form of compensation and benefits that are allocable to a particular employee remains in the Company's sole discretion unless and until paid and may be modified at the Company's sole discretion, consistent with the law. Job Level: Non-Management Exempt Workshift: Job Family: UND > Group Underwriting Please be advised that Elevance Health only accepts resumes for compensation from agencies that have a signed agreement with Elevance Health. Any unsolicited resumes, including those submitted to hiring managers, are deemed to be the property of Elevance Health. Who We Are Elevance Health is a health company dedicated to improving lives and communities - and making healthcare simpler. We are a Fortune 25 company with a longstanding history in the healthcare industry, looking for leaders at all levels of the organization who are passionate about making an impact on our members and the communities we serve. How We Work At Elevance Health, we are creating a culture that is designed to advance our strategy but will also lead to personal and professional growth for our associates. Our values and behaviors are the root of our culture. They are how we achieve our strategy, power our business outcomes and drive our shared success - for our consumers, our associates, our communities and our business. We offer a range of market-competitive total rewards that include merit increases, paid holidays, Paid Time Off, and incentive bonus programs (unless covered by a collective bargaining agreement), medical, dental, vision, short and long term disability benefits, 401(k) +match, stock purchase plan, life insurance, wellness programs and financial education resources, to name a few. Elevance Health operates in a Hybrid Workforce Strategy. Unless specified as primarily virtual by the hiring manager, associates are required to work at an Elevance Health location at least once per week, and potentially several times per week. Specific requirements and expectations for time onsite will be discussed as part of the hiring process. Candidates must reside within 50 miles or 1-hour commute each way of a relevant Elevance Health location. The health of our associates and communities is a top priority for Elevance Health. We require all new candidates in certain patient/member-facing roles to become vaccinated against COVID-19 and Influenza. If you are not vaccinated, your offer will be rescinded unless you provide an acceptable explanation. Elevance Health will also follow all relevant federal, state and local laws. Elevance Health is an Equal Employment Opportunity employer, and all qualified applicants will receive consideration for employment without regard to age, citizenship status, color, creed, disability, ethnicity, genetic information, gender (including gender identity and gender expression), marital status, national origin, race, religion, sex, sexual orientation, veteran status or any other status or condition protected by applicable federal, state, or local laws. Applicants who require accommodation to participate in the job application process may contact ******************************************** for assistance. Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state, and local laws, including, but not limited to, the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act.

WHAT IS THE OPPORTUNITY? The role of the Underwriter III is to evaluate the credit risk against company standards and to determine the borrower's ability to repay a residential mortgage. The Underwriter III analyzes and interprets the most complex financial and non-financial data decisioning the requests with the goal of achieving the optimal quality asset for the bank while satisfying the needs of borrower. The Underwriter III is also responsible for LLCs along with other complex borrower types. The Underwriter III works within established lending authorities and guidelines, with complex or unusual situations escalated to the next highest authority level for resolution. This includes mentoring and training of Underwriters I and II including second level reviews. What you will do * Reviews the loan package received to ensure completeness verifying that all supporting documents are included to make a credit decision per established policies * Identifies issues and recommends appropriate resolution within policy service level agreements * Analyzes and determines the financial capacity of the borrower's ability to repay: * Performs credit analysis, financial statement analysis, cash flow analysis, liquidity qualification and payment calculation spreads * Reviews for stability of residency and employment * Verifies income per established policy * Identifies any exceptions to current policies * Documents a reasonable conclusion mitigating any identified risks supporting the request will be repaid * Accurately sets and clears conditions * Interacts with RLC and Processor throughout the life cycle of the loan, providing information, updates and assistance as required * Updates System(s) with pertinent information and appropriate data as required * Renders a decision within his/her lending authority. If deal is outside of lending authority, provides a recommended decision and submits for appropriate level signing authority * Originates appropriate client letters; Commitment, Counter Offer, Declination * Certifies and provides a final Workbook to the Processor * Ensures compliance with bank and statutory/regulatory guidelines * Client Satisfaction * Promotes a team environment fostering a positive working environment * Functions as a collaborator and innovator to drive continuous improvement * Provides guidance and support to the RLC and Processor when required * Utilizes systems and tools to ensure that the RLC's are updated on the status of loans * Interacts and communicates daily with all levels as required to support business units, Processors, Funding/Doc Prep to ensure requirements are understood and met * Provides timely, complete and accurate response to inquiries * Handles all situations in a professional and ethical manner * Takes the lead in resolving problems for his/her own loans; assisting Underwriters I and II with resolutions * Supports and contributes to the quality and customer satisfaction goals of the bank * Productivity * Ensures all goals and service level agreements (SLAs) are met * Tracks, logs and provides daily, weekly, monthly, quarterly reporting of production statistics as defined by management * Consistently meets quality control and data integrity standards * Effectively utilizes available systems, workflow and imaging tools * Mentor and train Underwriters I and II * 2nd level review of Underwriters I and IIs' work * Performs other duties as assigned by Management, including participation in projects, process improvement initiatives, etc. *Must-Have** * Bachelor's degree in Business, Finance or Economics or related discipline with 10 or more years of experience in a mortgage banking environment required * Minimum 7 years of experience as an Underwriter in a financial services or mortgage banking environment required. * Minimum 7 years of experience in jumbo and super jumbo underwriting to investor or organization's guidelines required * Minimum 7 years of experience with state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.). *Skills and Knowledge* * Familiar with FNMA/FHLMC guidelines * Computer literate with experience using Microsoft applications with mortgage industry standard software, preferably InterLink E3 or NetOxygen/Gallagher. * Superior ability to communicate effectively in both verbal and written form * Strong time management skills to plan and organize a high daily loan volume * Strong ability to be very detail oriented * Must be a team player and work constructively with their fellow colleagues * Specific knowledge and exposure to funding and loan documentation to resolve more complex situations such as occur with LLC's, irrevocable trusts, and Co-operatives *Compensation* Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. **To be considered for this position you must meet at least these basic qualifications* The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our **************************************************************************************************** ABOUT CITY NATIONAL City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92.03 billion in assets as of April 30, 2024. Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $96.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves. *City National Bank does business in Miami and the state of Florida as CN Bank. For more information about City National, visit ********************* *EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION* City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. ************************************************************************************************** If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via mailto:*************************) or leave a message at *************. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days.

Trustmark's mission is to improve wellbeing - for everyone. It is a mission grounded in a belief in equality and born from our caring culture. It is a culture we can only realize by building trust. Trust established by ensuring associates feel respected, valued and heard. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture of diversity and inclusion where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves. At Trustmark, we have a commitment to welcoming people, no matter their background, identity or experience, to a workplace where they feel safe being their whole, authentic selves. A workplace made up of diverse, empowered individuals that allows ideas to thrive and enables us to bring the best to our colleagues, clients and communities. **About the role** Responsible for providing timely and accurate underwriting offers, while adhering to pricing and profit objectives. Develops partnership with Sales to maximize ability to sell new/maintain existing business. Stays current with our Administrative, Enrollment, Broker, and Enrollment Company capabilities and processes. **Key Accountabilities** + Processes, reviews, analyzes and makes informed underwriting decisions for assigned territory. Underwriting authority is a maximum of 7,500 life case or $750,000 of annualized premium. + Negotiates non-standard broker arrangements and fully understands enrollment company strengths and weaknesses. + Acts in consultative manner with the sales with the intent of getting the most competitive offer to help the sales develop the most competitive proposal offer. + Proactively monitor the close ratio, participation and persistency results within their assigned regions. + Report results work closely with their sales representatives to develop an action plan to help increase results. + Investigates, analyzes and responds to complex internal or external underwriting inquiries and requests, coordinating with multiple internal departments as necessary. + Learns to underwrite pending files received for review and contestable claims files for underwriting. + Works with reinsurer on cases that require facultative review. + Provides training and mentoring to less experienced Underwriters. + Acts as the underwriting representative at producer VIP meetings for assigned territory. + Effectively explains underwriting process and rules and answer questions. **Minimum Requirements** + Bachelor's Degree and/or 4 - 6 years of related experience OR High School Diploma or GED with 6-8 years of related experience. The compensation range for this role is (based on the corporate location in Lake Forest, Illinois): $69,776.00 - $100,788.00 per year The final salary offer will be determined based on factors such as location, qualifications, experience, skill set, and other relevant factors. This position may also be eligible for bonus. We understand that compensation is an important factor when considering a new opportunity, and we strive to provide a competitive salary within the market. Brand: Trustmark In addition to compensation, we offer a comprehensive benefits package that includes: Health/dental/vision, life insurance, FSA and HSA, 401(k) plan, Employee Assistant Program, Back-up Care for Children, Adults and Elders and many health and wellness initiatives. We also offer a Wellness program that enables employees to participate in health initiatives to reduce their insurance premiums. For questions about compensation and benefits, please speak to the Recruiter if you decide to apply and are selected for an interview. **For the fifth consecutive year we were selected as a Top Workplace by the Chicago Tribune.** The award is based exclusively on Trustmark associate responses to an anonymous survey. The survey measured 15 key drivers of engaged cultures that are critical to the success of an organization. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, sexual identity, age, veteran or disability. Join a passionate and purpose-driven team of colleagues who contribute to Trustmark's mission of helping people increase wellbeing through better health and greater financial security. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves. Introduce yourself to our recruiters and we'll get in touch if there's a role that seems like a good match. When you join Trustmark, you become part of an organization that makes a positive difference in people's lives. You will play a vital role in delivering on our mission of helping people increase wellbeing through better health and greater financial security. Our customers tell us they simply appreciate the personal attention and knowledgeable service. Others tell us we've changed their lives. At Trustmark, you'll be part of a close-knit team. You'll enjoy abundant opportunities to grow your career. That's why so many of our associates stay at Trustmark and thrive. Trustmark benefits from more than 100 years of experience but pairs that rich history with a palpable sense of optimism, growth and excitement for what's ahead - and beyond. This is a place where associates bring their whole selves to work each day. A place where you can be yourself. Whatever your beyond is, you can achieve it at Trustmark.

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About Us: At USALLIANCE, we pride ourselves on innovation, teamwork, training and development and career planning. As part of our team, you will have the opportunity to grow both personally and professionally in an inclusive and supportive environment. Represent USALLIANCE in the community and form lasting relationships with our members and partners. About This Role: As the Home Equity Underwriter you would evaluate, process, and approve applications for home equity loans, analyzing financial information and property valuations. You would assess credit profiles, ensure compliance with regulations, and communicate with applicants and loan officers. Key Responsibilities: Analyze information to determine risk involved in lending money for home equity lines of credit (HELOC) is correct, complete and in the loan file; that the information has been correctly calculated. Provide direction and guidance to internal and external stakeholders for documentation and processing quality; ensure file conforms to guidelines. Review appraisal and automated valuation models to ensure value of collateral is sufficiently documented and appraiser has correctly completed forms. Ability to calculate income as allowed by FNMA guidelines. Making decision to either deny loan or, depending on the loan's attributes, approve loan or make recommendation to approve loan. Review underwriting decision, reasoning (logic), and conditions or counteroffer with appropriate parties. Keep current on regulations and guidelines including being adaptable to Credit Union policy and procedure changes to meet changes in regulations and assess credit risk. Assume additional duties as they arise, cross-train within the department, and be responsive to the department. Who You Are: 3 years residential real estate experience with a minimum of 1 year underwriting experience. Recommended experience with home equities and renovation loan underwriting. Thorough knowledge of reviewing residential appraisals and automated valuation models. In-depth knowledge of home equity related requirements, procedures, & underwriting criteria. Excellent verbal and written communication skills. Strong interpersonal and organizational skills, with the ability to effectively manage and process loan pipelines within given workflows. PC Skills, including loan origination software, Outlook, and Microsoft Office. Recommended experience with Encompass. Thorough knowledge of FNMA underwriting guidelines. Ability to prioritize and meet deadlines. Requires successful registration with, and issuance of a unique identification number from, the Nationwide Mortgage Licensing System (NMLS) in compliance with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). What We Offer: Competitive Salary and Benefits Package Opportunities for Professional Development and Career Growth Hybrid Schedule (min. 3 Days in Office to Maximize Collaboration) A Collaborative and Inclusive Work Environment Paid Time Off, Wellness Time & Paid Federal Holidays 401K with 6% Match High Performance Culture Become a part of a team where your ideas are valued, your growth is supported, and your work makes a difference. Apply today and take the next step in your career with USALLIANCE. EQUAL OPPORTUNITY EMPLOYER USALLIANCE Federal Credit Union, as an Equal Opportunity Employer, values and supports the diverse cultures, perspectives, skills, and experiences within our workforce. This is for informational purposes only and should not be construed as a complete listing of the job responsibilities and requirements. This may be modified at any time, for any reason, at the sole discretion of management. At this time, USAlliance Federal Credit Union will not sponsor a new applicant for employment authorization or offer any immigration related support for this position (i.e., H1B, F-1 OPT, F-1 STEM OPT, F-1 CPT, J-1, TN, or another type of work authorization). If you need sponsorship now or in the future, look for this statement in the before you apply: “USAlliance Federal Credit Union will consider sponsoring a new, qualified applicant for employment authorization for this position”. If this is not listed in the job description, USAlliance Federal Credit Union will not provide sponsorship for the candidate to work in the United States. In the spirit of pay transparency, we are excited to share the base salary range for this position is $68,000 - $74,000, exclusive of fringe benefits or potential incentives. This position is also eligible for an annual corporate bonus. If you are hired at USALLIANCE Federal Credit Union, your final base salary compensation will be determined based on factors such as skills, education, and/or experience. In addition to those factors, we believe in the importance of pay equity and consider the internal equity of our current team members as a part is any final offer. Please keep in mind that the range mentioned above is the full base salary for the role. Hiring at the maximum of the range would not be typical to allow for future and continued salary growth. We also offer a generous compensation and benefits package. All positions must adhere to standard BSA/AML policies, procedures, and processes. Employees must demonstrate awareness of business functions and how business decisions affect financial and/or non-financial work results.

What part will you play? If you're looking for a place where you can make a meaningful difference, you've found it. The work we do at Markel gives people the confidence to move forward and seize opportunities, and you'll find your fit amongst our global community of optimists and problem-solvers. We're always pushing each other to go further because we believe that when we realize our potential, we can help others reach theirs. Join us and play your part in something special! The primary purpose of this position is to underwrite new business and renewals in a profitable manner and according to authority level and established guidelines. Utilize underwriting tools to determine accurate classifications, rates, and premium charges. Understand state laws, including cancellation and non-renewal, within assigned territory to properly transact business within each state. Knowledgeable in coverage forms and policy language; appropriate utilization of forms and exclusions. Assist with resolving premium audit disputes within assigned agents/brokers. Responsibilities * Communicate with underwriting management and product line leader on individual accounts, current and proposed producers, and make recommendations concerning operations, systems and procedures; * Review submissions and identify exposure and risk from information provided; * Support and learn from those who profitably underwrite and select new business; * Review terms, conditions and pricing; * Handle related servicing for renewals and new business; * Implement corrective measures on renewal accounts as needed; * Participate in audits and/or underwriting meetings as required. * Attends internal and external meetings Qualifications * 5+ years of experience working with retail insurance agents preferred; * Demonstrated technical knowledge and skills reflective of progression of increasing responsibility; * Excellent oral and written communication skills; * Strong analytical, organizational, and time management skills; demonstrated ability to multi-task; * Must be a team player that enjoys a flexible and spontaneous business environment; * Self-sufficient with demonstrated ability to overcome obstacles; * Takes ownership and responsibility for decisions and outcomes; * Strong worth ethic and sense of urgency; * Proficiency in Microsoft Office suite applications (Outlook, Word, Excel and PowerPoint); * Ability to travel up to 25%. Who we are: Markel Group (NYSE - MKL) a fortune 500 company with over 60 offices in 20+ countries, is a holding company for insurance, reinsurance, specialist advisory and investment operations around the world. We're all about people | We win together | We strive for better We enjoy the everyday | We think further What's in it for you: In keeping with the values of the Markel Style, we strive to support our employees in living their lives to the fullest at home and at work. * We offer competitive benefit programs that help meet our diverse and changing environment as well as support our employees' needs at all stages of life. * All full-time employees have the option to select from multiple health, dental and vision insurance plan options and optional life, disability, and AD&D insurance. * We also offer a 401(k) with employer match contributions, an Employee Stock Purchase Plan, PTO, corporate holidays and floating holidays, parental leave. * Markel offers hybrid working schedules of 3 days in the office and 2 days remote. Are you ready to play your part? Choose 'Apply Now' to fill out our short application, so that we can find out more about you. Caution: Employment scams Markel is aware of employment-related scams where scammers will impersonate recruiters by sending fake job offers to those actively seeking employment in order to steal personal information. Frequently, the scammer will reach out to individuals who have posted their resume online. These "job offers" include convincing offer letters and frequently ask for confidential personal information. Therefore, for your safety, please note that: * All legitimate job postings with Markel will be posted on No other URL should be trusted for job Markel Group Careers. * All legitimate communications with Markel recruiters will come from Markel.com email addresses. We would also ask that you please report any job employment scams related to Markel to ***********************. Markel is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of any protected characteristic. This includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law. Should you require any accommodation through the application process, please send an e-mail to the ***********************. #LI-ND1 No Agencies Please US Work Authorization * US Work Authorization required. Markel does not provide visa sponsorship for this position, now or in the future. Pay information: The base salary offered for the successful candidate will be based on compensable factors such as job-relevant education, job-relevant experience, training, demonstrated competencies, geographic location, and other factors. The base salary range for the Underwriter position is $65k - $90k/year with a 35% bonus potential. Who we are: Markel Group (NYSE - MKL) a fortune 500 company with over 60 offices in 20+ countries, is a holding company for insurance, reinsurance, specialist advisory and investment operations around the world. We're all about people | We win together | We strive for better We enjoy the everyday | We think further What's in it for you: In keeping with the values of the Markel Style, we strive to support our employees in living their lives to the fullest at home and at work. * We offer competitive benefit programs that help meet our diverse and changing environment as well as support our employees' needs at all stages of life. * All full-time employees have the option to select from multiple health, dental and vision insurance plan options and optional life, disability, and AD&D insurance. * We also offer a 401(k) with employer match contributions, an Employee Stock Purchase Plan, PTO, corporate holidays and floating holidays, parental leave. * Markel offers hybrid working schedules of 3 days in the office and 2 days remote. Are you ready to play your part? Choose 'Apply Now' to fill out our short application, so that we can find out more about you. Caution: Employment scams Markel is aware of employment-related scams where scammers will impersonate recruiters by sending fake job offers to those actively seeking employment in order to steal personal information. Frequently, the scammer will reach out to individuals who have posted their resume online. These "job offers" include convincing offer letters and frequently ask for confidential personal information. Therefore, for your safety, please note that: * All legitimate job postings with Markel will be posted on Markel Careers. No other URL should be trusted for job postings. * All legitimate communications with Markel recruiters will come from Markel.com email addresses. We would also ask that you please report any job employment scams related to Markel to ***********************. Markel is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of any protected characteristic. This includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law. Should you require any accommodation through the application process, please send an e-mail to the ***********************. No agencies please.

The Underwriter reviews and underwrites residential mortgage and consumer loans, adhering to secondary market requirements and bank policies and bank portfolio guidelines. Essential Functions Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions. * Reviews, underwrites, and approves all mortgage loans, home equity loans and chattel loans adhering to secondary market requirements and Bank portfolio policies and guidelines. * Maintains active knowledge of all loan program guidelines, currently including agency-conforming and non-agency jumbo, Bank portfolio, FHA, VA, USDA, MassHousing & RI Housing. * Reviews and evaluates credit history, income documentation, appraisal information and other related materials. Updates automated underwriting system and loan origination system as required for loan sale, investment and HMDA data integrity. * Creates clear Commitment Letters issued to borrowers, with conditions understandable to the borrower. * Researches and responds to underwriting scenario questions presented by loan officers. * Determines and documents loan approval to Ability to Pay guidelines. Determines file compliance with regulatory application guidelines including Truth in Lending and RESPA and ECOA. * Assures data integrity for HMDA reporting, investor sale, and quality control purposes * Reviews and evaluates appraisal reports, including AVM and exterior inspections, typically as a second-signer. * Identifies loans requiring private mortgage insurance and determines eligibility. * Assists Department Manager with loan closing sign-offs; Pre-Funding Quality Control; and Commitment Letter Review. * Prepares loan denial documentation for second review signatures, if applicable. * Assumes additional responsibilities as requested. Physical Demands and Work Environment The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit and talk or hear, reach with hands and arms; and stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and the ability to adjust focus. Affirmative Action/EEO Statement An Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Requirements * Bachelor's degree in business, Finance or Accounting preferred or equivalent combination of education and experience. * Direct Endorsement underwriting authority for FHA is preferred. * Experience in portfolio and construction permanent lending is preferred. * Knowledge of lending and underwriting policies and procedures, including guidelines issued by Fannie Mae, Freddie Mac, FHA, VA and USDA. * Five years previous lending experience including at least 3 years as a signoff (delegated) underwriter. * Knowledge of all federal and state regulations regarding lending and related departments. * Skill in assessing quality of loans purchased and originated by the bank. * Superior analytical thinking and mathematical skills. * Excellent oral and written communication skills. * Recent and comprehensive Encompass LOS experience.

Senior Underwriter - UW08BAUnderwriter - UW08BB We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals - and to help others accomplish theirs, too. Join our team as we help shape the future. We're in the business of helping people achieve amazing things by protecting the things that matter most. And you can help us when you join our team of underwriters. They're at the center of everything we do - and by joining us, you'll be on a team known throughout the industry for providing our customers with just the right amount of coverage they need to pursue their unique interests. Your underwriting career here means collaboration, inclusivity, innovative thinking and so much more. Here, doing things the way they've always been done isn't a part of the job. Here, you'll be putting your creative insights to work with other underwriters and leaders, having a seat at the table with key decision makers. And you'll have any number of opportunities for your career to grow in whatever direction you choose. As a Middle and Large Commercial Underwriter in the technology sector, you will quarterback the sales and underwriting process by building exceptionally strong and lasting relationships with agents and brokers, ensuring that The Hartford is the carrier of choice. Success in this role will also entail effective account stewardship by managing the sales process from strategic planning to operational excellence and developing cross-sell and up-sell opportunities across the team. We have a collaborative and results oriented environment, where approachable industry leaders mentor and inspire their teams to win in the market and have fun while doing it. We are seeking a highly skilled Underwriter, who is responsible for the following: + Manages and Underwrites a Middle Market Technology book of business + Analyzes agency book on quarter-to-quarter basis for potential action + Expertly applies all applicable Underwriting guidelines when making decisions + Capable of underwriting highly complex business and will require limited support from senior underwriters and infrequent referral activity to complete quotes + Has thorough knowledge of applicable laws, regulations and governance + Agency Management which includes creating, driving and execution of strategies for new and/or renewal accounts (prospective book management, executes on the mix strategy, low strategy, territorial and agency sales plans, etc.) + Acts as a trusted advisor and solution provider to Brokers and Agents Qualifications: + Bachelor's Degree preferred, or equivalent combination of education, training and experience. + Minimum of 2+ years of P&C Middle Market or Technology Carrier production underwriting experience is required; E&O underwriting experience is a plus. + Demonstrated success in developing and maintaining solid relationships with all internal and external business partners. + Excellent communication, interpersonal and presentation skills + An ability to think analytically about business problems, make recommendations and propose solutions. + High energy self-starter, who is resilient and has an entrepreneurial spirit. + Demonstration of solid time, organizational, and desk management skills. + Goal-oriented and delivers outcomes. + Ability to challenge the status quo and compete to win. + Superior technical knowledge and sound decision-making and analytical skills. Location: This role will have a Hybrid work arrangement, with the expectation of working in the Boston, MA office 3 days a week (Tuesday through Thursday). Compensation The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford's total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is: $76,000- $144,600 The posted salary range reflects our ability to hire at different position titles and levels depending on background and experience. Equal Opportunity Employer/Females/Minorities/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age About Us (************************************* | Culture & Employee Insights (***************************************************** | Diversity, Equity and Inclusion (********************************************************* | Benefits (********************************************* Human achievement is at the heart of what we do. We believe that with the right encouragement and support, people are capable of achieving amazing things. We put our belief into action by ensuring individuals and businesses are well protected, and by going even further - making an impact in ways that go beyond an insurance policy. Nearly 19,000 employees use their unique talents in careers that span a variety of disciplines - from developing the latest technology to creating and promoting our products to evaluating future financial risks. We're also committed to programs that drive education and support volunteerism, which put human beings first. We do it because it's the right thing to do, and because when our customers, communities and employees succeed, we all do. About Us (************************************* Culture & Employee Insights (***************************************************** Diversity, Equity and Inclusion (********************************************************* Benefits (********************************************* Legal Notice (***************************************** Accessibility StatementProducer Compensation (************************************************** EEO Privacy Policy (************************************************** California Privacy Policy Your California Privacy Choices (****************************************************** International Privacy Policy Canadian Privacy Policy (**************************************************** Unincorporated Areas of LA County, CA (Applicant Information)

At Fannie Mae, futures are made. The inspiring work we do helps make a home a possibility for millions of homeowners and renters. Every day offers compelling opportunities to impact the future of the housing industry while being part of an inclusive team thriving in an energizing, flexible environment. Here, you will grow your career and help create access to fair, affordable housing finance. Job Description As a valued contributor to our team, you will advise team members on managing communications and/or negotiations between Fannie Mae and clients regarding loans and other investments. In this role, you will review and comment on underwriting and reviewing the issuance of securities to customers. THE IMPACT YOU WILL MAKE The Multifamily Conventional Underwriter - Advisor role will offer you the flexibility to make each day your own, while working alongside people who care so that you can deliver on the following responsibilities: Perform forensic underwriting reviews and identify potential red flags to prevent the enterprise from acquiring loans with potential fraud, deficient property values or increased borrower exposure risk. Advise on potential risks and costs involved with providing services to a customer. Analyze the risks and costs of a lending decision and make recommendations on process improvement related to decision process. Advise on process related to issuance of the securities or other financial loans to the customer. Qualifications THE EXPERIENCE YOU BRING TO THE TEAM Minimum Required Experience 6 years of relevant Multifamily underwriting experience Desired Experience Bachelor's degree or equivalent Financial analysis Leveraging ratios Loan application evaluation Loan management skills Property analysis Risk assessment and management skills Risk mitigation Skilled in Excel Additional Information Multifamily Risk - Underwriting - Advisor The future is what you make it to be. Discover compelling opportunities at careers.fanniemae.com. Fannie Mae is a flexible hybrid company. We embrace flexibility for our employees to work where they choose, while also providing office space for in-person work if desired. At times, while business need may call for on-site collaboration, which means proximity within a reasonable commute to your designated office location is preferred unless job is noted as open to remote. Fannie Mae is an Equal Opportunity Employer, which means we are committed to fostering a diverse and inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, religion, national origin, gender, gender identity, sexual orientation, personal appearance, protected veteran status, disability, age, or other legally protected status. For individuals with disabilities who would like to request an accommodation in the application process, email us at [email protected] . The hiring range for this role is set forth on each of our job postings located on Fannie Mae's Career Site. Final salaries will generally vary within that range based on factors that include but are not limited to, skill set, depth of experience, certifications, and other relevant qualifications. This position is eligible to participate in a Fannie Mae incentive program (subject to the terms of the program). As part of our comprehensive benefits package, Fannie Mae offers a broad range of Health, Life, Voluntary Lifestyle, and other benefits and perks that enhance an employee's physical, mental, emotional, and financial well-being. See more here.

WHAT IS THE OPPORTUNITY? The role of the Underwriter II is to evaluate the credit risk against company standards and to determine the borrower's ability to repay a residential mortgage. The Underwriter II analyzes and interprets more complex financial and non-financial data decisioning the requests with the goal of achieving the optimal quality asset for the bank while satisfying the needs of borrower. The Underwriter II is also responsible for LLCs along with other complex borrower types. The Underwriter works within established lending authorities and guidelines, with complex or unusual situations escalated to the next highest authority level for resolution. What you will do * Reviews the loan package received to ensure completeness verifying that all supporting documents are included to make a credit decision per established policies * Identifies issues and recommends appropriate resolution within policy service level agreements * Analyzes and determines the financial capacity of the borrower's ability to repay: * Performs credit analysis, financial statement analysis, cash flow analysis, liquidity qualification and payment calculation spreads * Reviews for stability of residency and employment * Verifies income per established policy * Identifies any exceptions to current policies * Documents a reasonable conclusion mitigating any identified risks supporting the request will be repaid * Accurately sets and clears conditions * Interacts with RLC and Processor throughout the life cycle of the loan, providing information, updates and assistance as required. * Updates System(s) with pertinent information and appropriate data as required * Renders a decision within his/her lending authority. If deal is outside of lending authority, provides a recommended decision and submits for appropriate level signing authority * Originates appropriate client letters; Commitment, Counter Offer, Declination * Certifies and provides a final Workbook to the Processor * Ensures compliance with bank and statutory/regulatory guidelines * Client Satisfaction * Promotes a team environment fostering a positive working environment * Functions as a collaborator and innovator to drive continuous improvement * Provides guidance and support to the RLC and Processor when required * Utilizes systems and tools to ensure that the RLC's are updated on the status of loans * Interacts and communicates daily with all levels as required to support business units, Processors, Funding/Doc Prep to ensure requirements are understood and met * Provides timely, complete and accurate response to inquiries * Handles all situations in a professional and ethical manner * Escalates problems as necessary * Supports and contributes to the quality and customer satisfaction goals of the bank * Productivity * Ensures all goals and service level agreements (SLAs) are met * Tracks, logs and provides daily, weekly, monthly, quarterly reporting of production statistics as defined by management * Consistently meets quality control and data integrity standards * Effectively utilizes available systems, workflow and imaging tools * Performs other duties as assigned by Management, including participation in projects, process improvement initiatives, etc. *Must-Have** * Bachelor's degree or equivalent experience * Minimum 5 years of experience as an Underwriter in a financial services or mortgage banking environment required. * Minimum 5 years of experience in jumbo underwriting to investor or organization's guidelines required. * Minimum 5 years of experience with state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.). *Skills and Knowledge* * Bachelor's degree preferred * Familiarity with FNMA/FHLMC guidelines. * Computer literate with experience using Microsoft applications with mortgage industry standard software, preferably InterLink E3 or NetOxygen/Gallagher. * Ability to communicate effectively in both verbal and written form. * Strong time management skills to plan and organize a high daily loan volume. * Strong ability to be very detail oriented. * Must be a team player and work constructively with their fellow colleagues. * General knowledge and exposure to funding and loan documentation is helpful but not required. *Compensation* Starting base salary: $37.96 - $60.64 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. **To be considered for this position you must meet at least these basic qualifications* The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our **************************************************************************************************** *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.' ABOUT CITY NATIONAL We start with a basic premise: Business is personal. Since day one we've always gone further than the competition to help our clients, colleagues and community flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues to drive phenomenal growth today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies.

Company Details Acadia Insurance is a regional property casualty insurer with offices throughout the Northeast. As a member of W.R. Berkley Corporation (NYSE: WRB), one of the largest property casualty insurance holding companies in the United States, our financial strength and integrity are two of the main reasons why Independent Agents place business with us. Acadia is rated A+ (Superior) by A.M. Best, with an A+ claim paying ability rating by Standard & Poor's. At Acadia, we value our employees, our customers and our communities. Employees at Acadia are part of a progressive company where everyone can make a difference. We promote an inclusive environment which encourages continuous learning and the chance to grow and develop. ************************************************ Embark on an exciting journey as an Underwriter Trainee with Acadia Insurance! This is your chance to be part of a structured training program that combines coursework, classroom learning, and hands-on experience that will provide the foundation for a career in insurance. Immerse yourself in the world of property and casualty products, risk management, underwriting philosophy, and cutting-edge strategies that define our industry leadership. • Complete work and reading projects and pass required exams.• Establish good working relationships with colleagues and management staff.• Attain a basic working knowledge of state regulatory requirements for each line of business.• Under direct supervision, perform the basic functions of loss control.• Participate in job-shadow arrangements in various departments.• Participate in agency visitations with underwriters, claim representatives and/or loss control representatives to begin developing customer contacts. • Frequent travel, including overnights, is required. Qualifications Bachelor's degree from four-year college or university required. • Internship or insurance work experience preferred• Strong oral and written communication skills• Demonstrated excellence in Customer Service• Ability to work independently & collaboratively, while handling multiple tasks in a dynamic fast paced environment• Detailed orientated, Problem Solver with strong interpersonal skills• Proficient in Excel, Word, Spreadsheets, PowerPoint and email systems• Be self-reliant & motivated• Valid Driver's License required The Company is an equal employment opportunity employer Additional Company Details *The above job description is not intended to be an “all-inclusive” list of the duties and responsibilities of the job described, nor is it intended to be such a listing of the skills and abilities required to do the job. Rather, it is intended only to describe the general nature of the job Sponsorship Details Sponsorship not Offered for this Role

As a valued contributor to our team, you will advise team members on managing communications and/or negotiations between Fannie Mae and clients regarding loans and other investments. In this role, you will review and comment on underwriting and reviewing the issuance of securities to customers. THE IMPACT YOU WILL MAKE The Multifamily Conventional Underwriter - Advisor role will offer you the flexibility to make each day your own, while working alongside people who care so that you can deliver on the following responsibilities: * Perform forensic underwriting reviews and identify potential red flags to prevent the enterprise from acquiring loans with potential fraud, deficient property values or increased borrower exposure risk. * Advise on potential risks and costs involved with providing services to a customer. * Analyze the risks and costs of a lending decision and make recommendations on process improvement related to decision process. * Advise on process related to issuance of the securities or other financial loans to the customer. THE EXPERIENCE YOU BRING TO THE TEAM Minimum Required Experience * 6 years of relevant Multifamily underwriting experience Desired Experience * Bachelor's degree or equivalent * Financial analysis * Leveraging ratios * Loan application evaluation * Loan management skills * Property analysis * Risk assessment and management skills * Risk mitigation * Skilled in Excel Multifamily Risk - Underwriting - Advisor The future is what you make it to be. Discover compelling opportunities at careers.fanniemae.com. Fannie Mae is a flexible hybrid company. We embrace flexibility for our employees to work where they choose, while also providing office space for in-person work if desired. At times, while business need may call for on-site collaboration, which means proximity within a reasonable commute to your designated office location is preferred unless job is noted as open to remote. Fannie Mae is an Equal Opportunity Employer, which means we are committed to fostering a diverse and inclusive workplace. All qualified applicants will receive consideration for employment without regard to race, religion, national origin, gender, gender identity, sexual orientation, personal appearance, protected veteran status, disability, age, or other legally protected status. For individuals with disabilities who would like to request an accommodation in the application process, email us at careers_*********************. The hiring range for this role is set forth on each of our job postings located on Fannie Mae's Career Site. Final salaries will generally vary within that range based on factors that include but are not limited to, skill set, depth of experience, certifications, and other relevant qualifications. This position is eligible to participate in a Fannie Mae incentive program (subject to the terms of the program). As part of our comprehensive benefits package, Fannie Mae offers a broad range of Health, Life, Voluntary Lifestyle, and other benefits and perks that enhance an employee's physical, mental, emotional, and financial well-being. See more here.

WHAT IS THE OPPORTUNITY? The role of the Underwriter II is to evaluate the credit risk against company standards and to determine the borrower's ability to repay a residential mortgage. The Underwriter II analyzes and interprets more complex financial and non-financial data decisioning the requests with the goal of achieving the optimal quality asset for the bank while satisfying the needs of borrower. The Underwriter II is also responsible for LLCs along with other complex borrower types. The Underwriter works within established lending authorities and guidelines, with complex or unusual situations escalated to the next highest authority level for resolution. What you will do * Reviews the loan package received to ensure completeness verifying that all supporting documents are included to make a credit decision per established policies * Identifies issues and recommends appropriate resolution within policy service level agreements * Analyzes and determines the financial capacity of the borrower's ability to repay: * Performs credit analysis, financial statement analysis, cash flow analysis, liquidity qualification and payment calculation spreads * Reviews for stability of residency and employment * Verifies income per established policy * Identifies any exceptions to current policies * Documents a reasonable conclusion mitigating any identified risks supporting the request will be repaid * Accurately sets and clears conditions * Interacts with RLC and Processor throughout the life cycle of the loan, providing information, updates and assistance as required. * Updates System(s) with pertinent information and appropriate data as required * Renders a decision within his/her lending authority. If deal is outside of lending authority, provides a recommended decision and submits for appropriate level signing authority * Originates appropriate client letters; Commitment, Counter Offer, Declination * Certifies and provides a final Workbook to the Processor * Ensures compliance with bank and statutory/regulatory guidelines * Client Satisfaction * Promotes a team environment fostering a positive working environment * Functions as a collaborator and innovator to drive continuous improvement * Provides guidance and support to the RLC and Processor when required * Utilizes systems and tools to ensure that the RLC's are updated on the status of loans * Interacts and communicates daily with all levels as required to support business units, Processors, Funding/Doc Prep to ensure requirements are understood and met * Provides timely, complete and accurate response to inquiries * Handles all situations in a professional and ethical manner * Escalates problems as necessary * Supports and contributes to the quality and customer satisfaction goals of the bank * Productivity * Ensures all goals and service level agreements (SLAs) are met * Tracks, logs and provides daily, weekly, monthly, quarterly reporting of production statistics as defined by management * Consistently meets quality control and data integrity standards * Effectively utilizes available systems, workflow and imaging tools * Performs other duties as assigned by Management, including participation in projects, process improvement initiatives, etc. *Must-Have** * Minimum 5 years of experience as an Underwriter in a financial services or mortgage banking environment required. * Minimum 5 years of experience in jumbo underwriting to investor or organization's guidelines required. * Minimum 5 years of experience with state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.). *Skills and Knowledge* * Bachelor's degree required. * Familiarity with FNMA/FHLMC guidelines. * Computer literate with experience using Microsoft applications with mortgage industry standard software, preferably InterLink E3 or NetOxygen/Gallagher. * Ability to communicate effectively in both verbal and written form. * Strong time management skills to plan and organize a high daily loan volume. * Strong ability to be very detail oriented. * Must be a team player and work constructively with their fellow colleagues. * General knowledge and exposure to funding and loan documentation is helpful but not required. *Compensation* Starting base salary: $37.96 - $60.64 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. **To be considered for this position you must meet at least these basic qualifications* The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our **************************************************************************************************** *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.' ABOUT CITY NATIONAL We start with a basic premise: Business is personal. Since day one we've always gone further than the competition to help our clients, colleagues and community flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues to drive phenomenal growth today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies.