Underwriter Jobs in Delta, MI

Develops and manages independent agency relationship including the development of new business and retention of existing business in a region or territory. Reviews, analyzes, approves or rejects complex business within letter of authority. Serve as liaison with company personnel regarding company business opportunities and problem resolution. Responsible for assisting in establishing the territories or region's overall agency plan. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned. Calculates, prepares and develops premium quotations using corporate underwriting guidelines within letter of authority. Determines underwriting eligibility for prospective policyholders and develops appropriate pricing for new business, renewals, and endorsements. Analyzes and reviews prospective accounts for insurability and accepts or rejects within letter of authority. Develops and manages agency relationships. Develops agency plans in cooperation with other staff. Addresses agents' and policyholders' concerns/needs. Responsible for development of new business, profitability and retention of existing business in a given territory or region. Works with all internal departments to resolve problems and maintain company relations. Participates as necessary on special committees and task forces. Interprets and develops territory reports which reflect the status of the territory. Participates in promotional plans for both company and agent activities Analyzes and reviews production and loss information for agents, determines exposure and proper pricing to develop corrective action plans as needed to correct poor performance. Prepares periodic reports as requested. Manages small territory or region under close supervision. Research and coordinate responses to agents, policyholders and regulatory entities. Appoints and trains new agents and new agency employees on the use of company specific automation systems. Reviews loss trends and develops action plans to correct problem areas. Gathers competitive and product information from the field. Represents company at trade associations and exhibits to promote corporate product. Conducts annual agency audits. EDUCATION AND EXPERIENCE Bachelor's degree in marketing, insurance or related field. MBA or other advanced degree is preferred. Relevant combination of education and experience may be considered in lieu of degree. Certification, or progress toward an AFIS, highly preferred and encouraged. A minimum of three years of experience in an insurance organization with demonstrated technical knowledge in one or more of the following areas: underwriting, marketing, loss prevention, auditing or similar knowledge that provide the necessary skills and abilities. P&C insurance experience required. QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. OTHER SKILLS AND ABILITIES Excellent oral and written communication skills. Excellent presentation and facilitation skills. Demonstrated leadership and project management abilities. Ability to make competent, independent decisions. Ability and proficiency in the use of computers and Company standard software specific to position. Ability to exercise advanced judgment skills in evaluating and determining pricing for prospective policyholders using corporate underwriting guidelines. Ability to manage agency relationships and demonstrated ability to make sound underwriting decisions. Ability to calculate expected pricing, dividends, and premium quotations for agents and policyholders. Ability to analyze territory or region in order to identify problems and take the appropriate corrective action. Ability to comprehend the consequences of various problem situations and address them or refer them for appropriate decision making. Ability to effectively exchange information clearly and concisely, and present ideas, reports, facts and other information, and respond to questions as appropriate. Ability to be innovative and creative when presented with unique situations. Excellent verbal and written communication skills with the ability to effectively communicate with agents, policyholders and internal customers. Ability to analyze and solve practical problems which deal with a variety of variables. Ability to analyze and manage data. Ability to meet customers changing needs. Excellent time management and organizational skills with the ability to shift priorities appropriately. Ability to understand and implement audit procedures and processes for agencies. ADDITIONAL INFORMATION The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified. This job description does not constitute a contract for employment. WORKING CONDITIONS: Work is performed in an office setting with no unusual hazards. The qualifications listed above are intended to represent the minimal skills and experience levels associated with performing the duties and responsibilities contained in this position description. The qualifications should not be viewed as absolute standards, but as general guidelines that should be considered with other position-related criteria. Pay Range - Actual compensation decision relies on the consideration of internal equity, candidate's skills and professional experience, geographic location, market, and other potential factors. It is not standard practice for an offer to be at or near the top of the range, and therefore a reasonable estimate for this role is between $62,000 and $103,700. We are an Equal Opportunity Employer. Diversity is valued and we will not tolerate discrimination or harassment in any form. Candidates for the position stated above are hired on an "at will" basis. Nothing herein is intended to create a contract. #LI-JL1

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.

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** * 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* * Bachelor's degree in Business, Finance or Economics or related discipline with 10 or more years of experience in a mortgage banking environment required * 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 **************************************************************************************************** *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.

**Come join our amazing team and work Remote !** We are hiring Underwriters for our Non- Agency Products- NO DE REQUIRED! The Wholesale Underwriter will underwrite loans in accordance with Company and Investor guidelines following company's policies and procedures under general supervision. Our loan product offers extremely competitive rates and terms- the best in the industry. Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, wherein the company operates. The target pay range for this position is $90,000.00 to $120,000.00 + Monthly Incentive plan. **What you'll do:** + A thorough knowledge of **Non Agency or NON QM** mortgage loan underwriting. + Maintains highly confidential information concerning loan applicants. + Requires high level of organizational skills and ability to work on several tasks simultaneously + Performs a thorough analysis of collateral to ensure property meets investor guidelines and the appraisal quality and completeness is acceptable. + Applies and interprets company underwriting guidelines and makes sound credit decision. + Completes credit, analysis of income, analysis of property, ensures proper audits are completed and verifies consistency of loan file information. + Identifies risk factors within each loan and utilizes resources, tools and documentation to detect red flags and clear inconsistencies. + Reviews and evaluates credit information on mortgage loan documents to determine acceptability for specific loan programs. + Determines any conditions, stipulations or pre-funding requirements. + Reviews and clears underwriting conditions, stipulations or pre-funding requirements received. + Communicates with clients, sales teams and operations teams to resolve outstanding issues as they arise **What you'll need:** + 5+ years mortgage underwriting work experience. + Experience Underwriting Non Agency or Non QM Loans + Paperless Loan Origination System experience preferred. + DU and LP experience required. + Experience working in a paperless environment preferred. **Our Company:** Carrington Mortgage Services-Wholesale Lending is part of The Carrington Companies. We provide third-party originators, mortgage brokers and financial institutions with access to government and conventional loan programs, as well as low credit score home financing and low down payment options. We hope you'll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: *************************** . **What is the value proposition to joining the team?** + Increased earning capacity due to access to our 48 state territory. + Ability to market faster and more efficiently inside the operation. + Superior service levels offered to the broker as you're inside presence ensures every step of the loan process is handled in the most efficient manner possible. + Professional account manager's partner with you and your brokers to add value every step of the way. + Base pay plus an industry leading commission plan. + Take over existing accounts. **What We Offer:** + Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed. + Access to several fitness, restaurant, retail (and more!) discounts through our employee portal. + Customized training programs to help you advance your career. + Employee referral bonuses so you'll get paid to help Carrington and Vylla grow. + Educational Reimbursement. + Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org. Carrington is an equal opportunity employer. It is the policy of the company that applicants be considered for positions for which they qualify without regard to race, color, religion, sex, gender identity, national origin, ancestry, age, marital status, sexual orientation, protected veterans status, physical or mental disability or any other legally protected category. Carrington will make reasonable accommodations for known physical or mental limitations of a qualified applicant or employee with a disability unless the accommodation will impose an undue hardship on the company.

**General information** **Ref #** 19413 **Remote?** No **Ally and Your Career** * Ally Financial only succeeds when its people do - and that's more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You're constantly evolving, so shouldn't your opportunities be, too? **The Opportunity** Evaluates risks according to location, physical and moral hazards, underwriting guidelines and loss experience in order to accept, decline or modify submission. Also, evaluates information received concerning risk characteristics, inspection reports, producer information, etc. May review loss experience of individual accounts and assigned territory. This is a newly formed team that specializes in underwriting large national groups as well as lender specific programs. Top 3 things we're looking for: Insurance Underwriting experience in the Auto Physical damage space with experience of large or complex accounts being a plus, Insurance designations or insurance related education background, Someone who is comfortable working in a dynamic and fast paced environment. Location: hybrid role in Detroit, MI or Schaumburg, IL (3 days in office / 2 days remote). **The Work Itself** * Serves as a consultant to producers and customer service personnel and claim personnel, as required. * Works closely with external producers to place insurance coverage within the program. * Submits complex or unusual risks or exposures and risks exceeding personal underwriting authority to Senior Underwriter or line-of-business head for approval. * Authority level will be greater than associate underwriters but less than senior underwriters. * May be assigned accounts or territories deemed to be more complex or more catastrophe exposed than those assigned to associate underwriters. * Will be part of the Open Market underwriting team. **The Skills You Bring** * 2+ years in financial services or similar industry is needed. * Previous physical damage insurance underwriting experience preferred. * Prior leadership experience is preferred. * Bachelor's degree in business related discipline preferred. * Education may be used as a proxy for experience. * Perform technical tasks required to support ongoing business operations. * Skilled technician in a hands-on environment, often highly specialized. * Typically requires advanced knowledge of Microsoft Office Programs. \#DFS \#LI-hybrid **How We'll Have Your Back** * Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Ally's total compensation - or total rewards - extends beyond your paycheck and is designed to support and enrich your personal and professional life, including: * Time Away: competitive holiday and flexible paid-time-off, including time off for volunteering and voting. * Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan and 529 educational assistance programs, tuition reimbursement, and other financial well-being programs. * Supporting your Health & Well-being: flexible health and insurance options including dental and vision, pre-tax Health Savings Account with employer contributions and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially. * Building a Family: adoption, surrogacy, and fertility support as well as parental and caregiver leave, back-up child and adult/elder day care program and childcare discounts. * Work-Life Integration: other benefits including LifeMatters Employee Assistance Program, subsidized and discounted Weight Watchers program and other employee discount programs. Who We Are: Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit ************* Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law. Where permitted by applicable law, must have received or be willing to receive the COVID-19 vaccine by date of hire to be considered, if not currently employed by Ally. We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at *************. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation. **_Base Pay Range:_** An individual's position in the range is determined by the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer. **Emerging:** 55000 **Experienced:** 67500 **Expert:** 80000 Incentive Compensation: This position is eligible to participate in our annual incentive plan

First National Bank of America is hiring a Residential Loan Underwriter to join the Process Underwriting team. This role will work closely with our sales team and processors to ensure compliance with bank guidelines for credit quality standards and rendering final approvals accordingly. Our retail loan officers and account executives are a dedicated group of individuals that work diligently to provide the best mortgage solutions for each client. A successful Residential Loan Underwriter will act as a resource to loan officers and processors through daily communication. Responsibilities: Examine loan disclosures and documentation for accuracy and completeness and work with loan originators and processing staff to secure all required documents needed to process the loan. Reviews and clears all conditions of loan approval. Reviews and evaluates information on mortgage loan application to ensure accuracy and completeness, validate findings to determine that all information matches. Instruct Mortgage Loan Originators and Loan Processors on any errors. Review titles and appraisal documents. Meet all departmental goals for productivity, quality, and turnaround time. Remain up to date and knowledgeable on industry requirements and standards through various training opportunities, current loan products along with all of FNBA's policies and procedures. Qualifications: Communicate effectively in written and verbal forms Experience in navigating various websites for research Demonstrates experience in federal consumer lending regulations (TILA, RESPA, HMDA, ECOA, and other mortgage protection laws and regulations) Understanding of the various documentation types and loan programs Knowledge of different income sources Encompass Loan Origination System preferred Ability to work independently, but interact in team-oriented environment Self-motivated with ability to work in a fast paced operations center while practicing sound lending judgment Employee benefits Medical - Multiple plans to choose from including HSA and traditional. Premiums as low as $0.00 Dental - Premiums as low as $0.00 Vision - Low premium Plan Discounted childcare Pet Insurance Paid Time Off (PTO) 401k with employer match Adjustable desks that can be raised or lowered to sit or stand At First National Bank of America , we are looking for exceptional individuals with a "servant's heart" or a natural humility that recognizes the importance of prioritizing others' needs. We celebrate and acknowledge efforts that exceed expectations, whether it's delivering added value to customers or supporting colleagues. Just as interest compounds over time, the little things we do can make a substantial difference. First National Bank of America recognizes that the quality of our people is the foundation for our success. Attracting exceptional individuals who value a challenging work environment that rewards the contributions of its people is the cornerstone of our hiring philosophy. Note: These statements are intended to describe the general nature and level of work involved for this job. It is not an exhaustive list of all responsibilities, duties, and skills required for this job. First National Bank of America is an Equal Opportunity Employer. #LI-Onsite

When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide: + Award-winning culture + Inclusion and diversity as a priority + Performance Based Incentive Plans + Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability + Generous PTO (including paid time to volunteer!) + Up to 9.5% 401(k) employer contribution + Mental health support + Career advancement opportunities + Student loan repayment options + Tuition reimbursement + Flexible work environments **_*All the benefits listed above are subject to the terms of their individual Plans_** **.** And that's just the beginning... With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today! **General Summary:** The Senior Underwriter will demonstrate strong risk evaluation, selection and retention of profitable business within assigned authority limits. This also requires a strong ability to partner with Company sales teams, brokers and all internal partners. **Principal Duties and Responsibilities** + Consult with sales and service partners to provide the products and plan options that best meet the needs of our customers. + Evaluate and select risk to ensure the profitable acquisition of new cases and the continued profitable retention of in force cases. + Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met. Identify and analyze risk trends, making recommendations for addressing these + Maintain a fully developed knowledge of the Company's products, the sales, implementation, and enrollment processes, and market place influences + Deliver dependable, accurate, and timely service while maintaining relationships with internal and external partners + Assist with training, technical development and mentoring more junior underwriters **Job Specifications** + Bachelors degree or equivalent, relevant business experience + Demonstrated, consistent proficiency at Underwriter level + Fully developed knowledge of product provisions, plan designs, pricing and contractual benefits + Strong technical expertise in risk selection + Demonstrated understanding of top-line and bottom-line objectives + Exhibit strong knowledge of sales/distribution process and market trends + Solid mentoring and coaching skills + Strong creative problem solving skills + Strong critical thinking/analytical reasoning skills + Strong communication skills, both verbal and written + Strong organizational skills and ability to handle multiple priorities + Strong ability to be persuasive and to negotiate + Demonstrated ability to work both independently and in a team environment + Exhibit a strong commitment to quality and personal ownership of results \#LI-JQ1 ~IN1 Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide. The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience. $53,300.00-$100,700.00 Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans. Company: Unum Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.

We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, you could have the flexibility of work-from-home time as defined by the leadership team. Auto-Owners Insurance, a top-rated insurance carrier, is seeking an underwriting professional to join our team. The position requires the person to: * Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions. * Become familiar with company policies, manuals, forms and endorsements in order to understand their meaning and use. * Analyze loss experience, financial conditions and physical characteristics of risks. * Acquire a working knowledge of supporting sections of the underwriting department. * Communicate with company associates, independent agents, CSRs and other insurance service organizations effectively and clearly. Desired Skills & Experience * Bachelor's degree or equivalent experience * Minimum of 3 years of property/casualty insurance experience preferred * Ability to organize data, multi-task and make decisions independently * Above-average communication skills (written and verbal) * Ability to resolve complex issues * An interest in developing product knowledge through participation in approved educational programs Benefits Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you! Equal Employment Opportunity Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law. * Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.

It's ok if you don't meet every requirement. At Grange, we prioritize creating a diverse, equitable and inclusive workplace. If you're enthusiastic about this role but your previous experience only partially matches qualifications in the job description, we still encourage you to apply. We believe in fostering growth and providing opportunities for continuous learning and development of skills as you progress in your career with us. Summary: This position is responsible for achieving growth and profit objectives by appropriate risk selection, book management, business development and agency management. What You'll Be Doing: Underwriting - Select and price risks for profit and growth. * Select new risks based on department guidelines within delegated authority utilizing appropriate forms, pricing and reinsurance where needed. File documentation should reflect logical thought process. * Demonstrate understanding of risk exposure, classifications and price for exposure. * Refer viable risks outside authority once pre-underwritten demonstrating sound judgment, decision making and file documentation. * Possess knowledge of forms, coverage, rating plans, manuals and company position papers. * In conjunction with Underwriting leadership, serve as an active participant in the quality review process * In conjunction with Actuarial, implement pricing modeling and monitor performance to model. Assure underwriting actions align with the model by measuring and monitoring pricing by individual, territory and state. * Maintain department service standards and respond to producer needs. * Maintain technical proficiency * Ensure that new and renewal business fits Company strategy and policies and that the underwriting process and procedures are aligned. * Seek out new ways to improve the underwriting process. Agency Management - execute agency management routines to build the business and gain relevance. * Develops and manages New Business pipeline to ensure a steady stream of business opportunities. * Manages the production, profitability and relationships with all agencies in assigned territory. * Develop and execute annual success and territory plans and monitor agency performance. * Monitors agency results and follows up with agency as to both growth/profitability and compliance with company initiatives, procedures, risk appetite and policies. Analyzes quality, volume, mix of business and profit for assigned producers. Identifies trends in submission activity and works to meet production targets as established. Executes actions to achieve policy retention and pricing objectives. Participates in agency review process. * In collaboration with the TSM, responsible for identifying and evaluating new agency prospects and developing new agencies in the fulfillment of Middle Market growth objectives. * Serves as a resource to our agents, conducts underwriting, sales, product and process training for agencies and their staff. * Responsible for agency travel to increase producer awareness of Enterprise underwriting appetites, philosophy and product offerings maximizing time with the right agencies. * Record all agency management actions in CRM. * Must be located in the current market (or surrounding area) Territory Leadership- responsible for profit, growth, pricing, underwriting quality and meeting service standards in assigned territory. * Develops and implements territory plan to attract desired business and gain relevance with key agents. * Mentors and guides less experienced underwriters. * Monitors market conditions, develops competitive intelligence, and makes recommendations regarding new and/or existing products, programs, risk appetite and services. What You'll Bring To The Company: Bachelor's degree or CPCU designation or comparable education and experience plus three or more years commercial multiple lines underwriting experience preferred. Must possess excellent communication, decision-making, sales and negotiation skills, PC skills and work management skills, and the ability to complete multiple tasks within set deadlines and should be willing to continue learning and updating skills. Significant travel is required to develop effective agency relations. Must be a self-starter and be able to work independently in a remote setting. Must be located in the current market or surrounding area. About Us: Grange Insurance Company, with $3.2 billion in assets and more than $1.5 billion in annual revenue, is an insurance provider founded in 1935 and based in Columbus, Ohio. Through its network of independent agents, Grange offers auto, home and business insurance protection. Grange Insurance Company and its affiliates serve policyholders in Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin and holds an A.M. Best rating of "A" (Excellent). Grange understands that life requires flexibility. We promote geographical diversity, allowing hybrid and remote options and flexibility in work hours (role dependent). In addition to competitive traditional benefits, Grange has also created unique benefits based on employee feedback, including a cultural appreciation holiday, family formation benefits, compassionate care leave, and expanded categories of bereavement leave. Who We Are: We are committed to an inclusive work environment that welcomes and values diversity, equity and inclusion. We hire great talent from various backgrounds, and our associates are our biggest strength. We seek individuals that represent the diversity of our communities, including those of all abilities. A diverse workforce's collective ideas, opinions and creativity are necessary to deliver the innovative solutions and service our agency partners and customers need. Our core values: Be One Team, Deliver Excellence, Communicate Openly, Do the Right Thing, and Solve Creatively for Tomorrow. Our Associate Resource Groups help us create a more diverse and inclusive mindset and workplace. They also offer professional and personal growth opportunities. These voluntary groups are open to all associates and have formed to celebrate similarities of ethnicity/race, nationality, generation, gender identity, and sexual orientation and include Multicultural Professional Network, Pride Partnership & Allies, Women's Group, and Young Professionals. Our Diversity, Equity and Inclusion Council, created in 2016, is focused on professional development, networking, business value and community outreach, all of which encourage and facilitate an environment that fosters learning, innovation, and growth. Together, we use our individual experiences to learn from one another and grow as professionals and as people. We are committed to maintaining a discrimination-free workplace in all aspects, terms and conditions of employment and welcome the unique contributions that you bring from education, opinions, culture, beliefs, race, color, religion, age, sex, national origin, handicap, disability, sexual orientation, gender identity or expression, ancestry, pregnancy, veteran status, and citizenship. Grange Enterprise is proud to be part of the CEO Action for Diversity and Inclusion, a national initiative of more than 1400 CEOs working for the advancement of diversity and inclusion within the workplace.

Who we are: Michigan Millers Mutual Insurance Company is a mutual insurance company, rated A (Excellent) by A.M. Best, with over 140 years of experience serving policyholders' property-and-casualty insurance needs across multiple regions in the United States. Michigan Millers believes in striving for growth without sacrifice. We know that our culture creates and cultivates happy and dedicated employees, which we believe gives us the ability to deliver the highest level of customer service. At Michigan Millers our core values, Team - Customers - Results, are incorporated into all that we do. Our workplace culture encourages employees to seek out learning opportunities and to strive for growth and development in the insurance industry. We understand the importance of a positive work community and a healthy workplace environment when striving for organizational success. Our emphasis on internal growth and maintaining healthy team relationships translates into external growth and building sustainable customer relationships. Does this opportunity interest you? Michigan Millers is seeking a Commercial Lines Associate Underwriter to join our team in our Lansing office! The individual in this role will be responsible for creating strong agency relationships that operate under a designated level of authority at the direction of assigned underwriters. They develop profitable premium growth through policy processing and technical support for both new and renewal business. Responsibilities of an Associate Underwriter include: * Engage in the daily underwriting and processing of new and renewal business, endorsements, and premium audit transactions * Use established practices, processes, and procedures to renew and write new policies based on underwriting authority * Review new and renewal business application documents, gather additional information as needed to accurately underwrite policies * Understand rating methodology and coverage * Perform special projects and other duties as assigned Requirements What is a must-have? * Ability to follow processes and attention to details * Knowledge of industry practices, standards, and underwriting concepts * Effective oral and written communication skills * Able to multitask and solve basic problems * Flexibility to handle various assignments * Valid and unrestricted driver's license with an acceptable driving record * Bachelor's degree in Insurance or Finance; experience in lieu of degree Preferred Skills * AU and/or INS certification Compensation Overview: The targeted hiring range for this role is $50,388 - $60,465. However, the base pay offered may vary depending on the job-related knowledge, skills, credentials, and experience of each candidate as well as other factors such as the scope and location of the role. Candidates looking for compensation outside of the posted range are encouraged to apply and will be considered based on their individual qualifications and/or may be considered for other positions. Michigan Millers offers full-time employees a significant Total Rewards Package, including: * Medical insurance options and other standard employee benefits, including dental insurance, vision benefits, life insurance, and more! * Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) * 401(k) Plan (plus company match) * Time Off - including vacation, volunteer, and holiday pay * Paid Parental Leave * Bonus opportunities * Tuition assistance * Wellness Program - including an onsite fitness studio Michigan Millers and Western National Insurance believes in supporting the balance between work and life by providing a flexible work environment, which includes a variety of hybrid work arrangements designed to balance individual, job, department, and company needs. #LI-MM2 Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorships of an employment Visa at this time. Michigan Millers provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. #LI-AN1 #IND123

**Who Are We?** Taking care of our customers, our communities and each other. That's the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 160 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it. **Job Category** Underwriting **Compensation Overview** The annual base salary range provided for this position is a nationwide market range and represents a broad range of salaries for this role across the country. 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. As part of our comprehensive compensation and benefits program, employees are also eligible for performance-based cash incentive awards. **Salary Range** $142,500.00 - $235,100.00 **Target Openings** 1 **What Is the Opportunity?** Ocean Marine specializes in ocean cargo, marine liabilities, hull and protection indemnity, and yacht coverage for small and mid-size businesses. As an Underwriting Officer, Ocean Marine, you are an underwriting subject matter expert and integral member of a field leadership team. By leveraging your expertise to educate underwriters, lead Collaborative Underwriting Review Evaluations (CUREs), and drive the development and successful execution of underwriting strategies, you will influence the overall profitability, growth, and retention of business for an assigned region. **What Will You Do?** + As an underwriting subject matter expert, assess, design, implement, and/or lead regional underwriting strategies and practices in support of profit and growth objectives. + Oversee and influence underwriting execution through individual risk and/or portfolio CUREs as well as through the evaluation of underwriter proficiency and underwriting quality. + Drive the development of key underwriting capabilities and best practices through coaching and trainings while educating underwriters on strategy and guidelines to enhance regional efficiency and effectiveness. + Monitor trends, emerging issues, and underwriting results for regional book of business and partner with underwriting leadership to take action, as needed. + Perform other duties as assigned. **What Will Our Ideal Candidate Have?** + Bachelor's degree. + Eight or more years of commercial underwriting experience with experience in Ocean Marine. + Expert level knowledge of risk appetite and risk selection, Ocean Marine products, as well as the regulatory environment and local insurance marketplace. + Strong critical thinking skills with the ability to proactively identify underwriting and financial challenges and analyze available information to make timely decisions in alignment with risk appetite. + Strong interpersonal and communication skills with the ability to lead and influence others. **What is a Must Have?** + Six years of commercial underwriting experience. **What Is in It for You?** + **Health Insurance** : Employees and their eligible family members - including spouses, domestic partners, and children - are eligible for coverage from the first day of employment. + **Retirement:** Travelers matches your 401(k) contributions dollar-for-dollar up to your first 5% of eligible pay, subject to an annual maximum. If you have student loan debt, you can enroll in the Paying it Forward Savings Program. When you make a payment toward your student loan, Travelers will make an annual contribution into your 401(k) account. You are also eligible for a Pension Plan that is 100% funded by Travelers. + **Paid Time Off:** Start your career at Travelers with a minimum of 20 days Paid Time Off annually, plus nine paid company Holidays. + **Wellness Program:** The Travelers wellness program is comprised of tools, discounts and resources that empower you to achieve your wellness goals and caregiving needs. In addition, our mental health program provides access to free professional counseling services, health coaching and other resources to support your daily life needs. + **Volunteer Encouragement:** We have a deep commitment to the communities we serve and encourage our employees to get involved. Travelers has a Matching Gift and Volunteer Rewards program that enables you to give back to the charity of your choice. **Employment Practices** Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences. In accordance with local law, candidates seeking employment in Colorado are not required to disclose dates of attendance at or graduation from educational institutions. If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email (*******************) so we may assist you. Travelers reserves the right to fill this position at a level above or below the level included in this posting. To learn more about our comprehensive benefit programs please visit ******************************************************** .

Hastings Insurance is seeking a Commercial Lines Underwriter to join its Commercial Underwriting team! The Commercial Underwriter will generate new commercial business by accepting or rejecting commercial insurance risks based on our product and coverage guidelines while maintaining commercial business written to ensure profitability and growth. The individual in this role is a member of a team of underwriters and technicians who service an assigned geographic territory, working collaboratively to achieve team goals. This position involves frequent interaction with underwriting technicians, underwriters, and agents and occasional field and overnight travel to agencies with Marketing and Loss Control department members. Position Location & Schedule Details Candidates residing within one of our five coverage states (Illinois, Michigan, Ohio, Indiana, or Wisconsin) will be considered to work remotely. Occasional travel to our Hastings, Michigan, corporate headquarters may be required. Candidates residing in greater Hastings or Grand Rapids, Michigan, can work remotely, hybrid, or full-time onsite. Candidates outside our five-state region may be considered if other application elements are strong. Regardless of the location, the individual in this role will generally work within our standard office hours of Monday through Friday, 8:00 a.m. to 4:30 p.m. Given the nature of the role, some work may occur outside of these hours. Position Duties & Responsibilities Review, approve, and process acceptable applications concerning underwriting guidelines to achieve corporate premium and profitability objectives. Continuously operates within established service standards. Stays up-to-date and knowledgeable of all commercial products, pricing, and coverages. Interprets and understands authority levels, guidelines, and additional underwriting resource materials to achieve quality metrics. Communicates and negotiates effectively and efficiently with external contacts, including agency staff, policyholders, external vendors, and Hastings business units. Assists in the training and development of new underwriters and underwriting technicians. Utilizes various systems and resources to support overall corporate objectives. Actively participates in professional development, i.e., continuing education or self-improvement. Other duties as assigned by leadership, either verbally or in writing. Candidate Requirements and Qualifications Bachelor's degree in Insurance, Business Administration, or Finance preferred, or equivalent work experience and education. Prior commercial underwriting experience within a Property & Casualty insurance carrier is highly preferred. A certificate in General Insurance, AINS, and pictorials specific to underwriting assignments are preferred, as are higher-level (CPCU, AU) designations. Demonstrated PC skills, including proficient use of Microsoft Office products. Demonstrated excellent verbal and written communication ability required. About Us At Hastings Insurance, our balanced corporate strategy focuses on implementing emerging technologies, cultivating strong independent agency relationships, and providing the right products to our policyholders. We seek to strategically grow our product lines and continue to expand geographically while maintaining our financial stability and innovative nature. Our talented employees are dedicated to providing excellent customer service to our agent partners and policyholders. Many of our employees have been identified as industry experts, and we value the knowledge and skills they contribute to our success. For more than 135 years, Hastings has helped our customers protect their valued assets and rebuild after devastating losses. We are proud to be rated an A (Excellent) insurance carrier by A.M. Best Company. Our Commitment as an Employer We value the strength of a diverse and inclusive workforce. Hastings Insurance is committed to providing equal opportunity for all employees and candidates in a work environment that does not tolerate discrimination or harassment. Decisions related to employment are based on business needs, position requirements, and individual characteristics without regard to appearance, nationality, origin, race, color, religion, gender, sexual orientation, age, body, disability, veteran, family, marital status, or any legally protected class. Hastings Insurance seeks to provide reasonable accommodation to disabled individuals in the hiring process in compliance with federal, state, and local law. Candidates requiring accommodation to complete their job application or participate in the interviewing process are asked to notify the Talent Acquisition Specialist or contact us at ************.

OBJECTIVE Commercial Underwriter Objective To underwrite designated commercial lines of insurance. To implement company philosophy and underwriting guidelines in the acceptance and rejection of risks, pricing, classification, hazard recognition, and providing service to policyholders, Farm Bureau Insurance agents and their staff. RESPONSIBILITIES Commercial Underwriter Responsibilities Evaluate, examine and physically survey risks submitted for coverage by Farm Bureau Insurance agents. Accept, modify or reject risks based upon all relevant information available, including guidelines, directives, inspections and claims information. Properly classify and rate risks, verify coverage amounts, and develop appropriate premium. Work with Farm Bureau Insurance agents, and in some cases insureds, to determine exposure and appropriate coverages. Monitor exposure of individual risks by the review of pictures, inspections, claims, consumer reports, renewal surveys, audits and communications with Farm Bureau Insurance agents. QUALIFICATIONS Commercial Underwriter Qualifications Required: Bachelor's degree required, or equivalent experience may be considered. Minimum one-year experience in commercial underwriting or commensurate insurance industry required. Must possess a valid driver license with an acceptable driving record. Associate in Commercial Underwriting (AU) or Associate in Personal Insurance (API) required, or must be completed within 24 months of hire, or equivalent education may be considered. Preferred: Chartered Property Casualty Underwriter (CPCU) designation preferred. PM19

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.

We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, you could have the flexibility of work-from-home time as defined by the leadership team. Auto-Owners Insurance, a top-rated insurance carrier, is seeking an underwriting professional to join our team. The position requires the person to: Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions. Become familiar with company policies, manuals, forms and endorsements in order to understand their meaning and use. Analyze loss experience, financial conditions and physical characteristics of risks. Acquire a working knowledge of supporting sections of the underwriting department. Communicate with company associates, independent agents, CSRs and other insurance service organizations effectively and clearly. Desired Skills & Experience Bachelor's degree or equivalent experience Minimum of 3 years of property/casualty insurance experience preferred Ability to organize data, multi-task and make decisions independently Above-average communication skills (written and verbal) Ability to resolve complex issues An interest in developing product knowledge through participation in approved educational programs Benefits Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you! Equal Employment Opportunity Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law. *Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.

Full-time Description Who we are: Michigan Millers Mutual Insurance Company is a mutual insurance company, rated A (Excellent) by A.M. Best, with over 140 years of experience serving policyholders' property-and-casualty insurance needs across multiple regions in the United States. Michigan Millers believes in striving for growth without sacrifice. We know that our culture creates and cultivates happy and dedicated employees, which we believe gives us the ability to deliver the highest level of customer service. At Michigan Millers our core values, Team - Customers - Results, are incorporated into all that we do. Our workplace culture encourages employees to seek out learning opportunities and to strive for growth and development in the insurance industry. We understand the importance of a positive work community and a healthy workplace environment when striving for organizational success. Our emphasis on internal growth and maintaining healthy team relationships translates into external growth and building sustainable customer relationships. Does this opportunity interest you? Michigan Millers is seeking a Commercial Lines Associate Underwriter to join our team in our Lansing office! The individual in this role will be responsible for creating strong agency relationships that operate under a designated level of authority at the direction of assigned underwriters. They develop profitable premium growth through policy processing and technical support for both new and renewal business. Responsibilities of an Associate Underwriter include: Engage in the daily underwriting and processing of new and renewal business, endorsements, and premium audit transactions Use established practices, processes, and procedures to renew and write new policies based on underwriting authority Review new and renewal business application documents, gather additional information as needed to accurately underwrite policies Understand rating methodology and coverage Perform special projects and other duties as assigned Requirements What is a must-have? Ability to follow processes and attention to details Knowledge of industry practices, standards, and underwriting concepts Effective oral and written communication skills Able to multitask and solve basic problems Flexibility to handle various assignments Valid and unrestricted driver's license with an acceptable driving record Bachelor's degree in Insurance or Finance; experience in lieu of degree Preferred Skills AU and/or INS certification Compensation Overview: The targeted hiring range for this role is $50,388 - $60,465. However, the base pay offered may vary depending on the job-related knowledge, skills, credentials, and experience of each candidate as well as other factors such as the scope and location of the role. Candidates looking for compensation outside of the posted range are encouraged to apply and will be considered based on their individual qualifications and/or may be considered for other positions. Michigan Millers offers full-time employees a significant Total Rewards Package, including: Medical insurance options and other standard employee benefits, including dental insurance, vision benefits, life insurance, and more! Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) 401(k) Plan (plus company match) Time Off - including vacation, volunteer, and holiday pay Paid Parental Leave Bonus opportunities Tuition assistance Wellness Program - including an onsite fitness studio Michigan Millers and Western National Insurance believes in supporting the balance between work and life by providing a flexible work environment, which includes a variety of hybrid work arrangements designed to balance individual, job, department, and company needs. #LI-MM2 Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorships of an employment Visa at this time. Michigan Millers provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. #LI-AN1 #IND123

**General information** **Ref #** 19417 **Remote?** No **Ally and Your Career** * Ally Financial only succeeds when its people do - and that's more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You're constantly evolving, so shouldn't your opportunities be, too? **The Opportunity** Evaluates risks according to location, physical and moral hazards, underwriting guidelines and loss experience in order to accept, decline or modify submission. Also, evaluates information received concerning risk characteristics, inspection reports, producer information, etc. May review loss experience of individual accounts and assigned territory. Must have insurance background. Location: hybrid role in Detroit, MI or Schaumburg, IL (3 days in office / 2 days remote) **The Work Itself** * Serves as a consultant to Producers, customer service, and claims personnel, as required. * Works closely with internal Producers to place insurance coverage within Ally's DOL program(s). * Submits complex or unusual risks or exposures, and risks exceeding one's underwriting authority level to appropriate parties for approval. * May be assigned accounts or territories deemed to be more complex or have a catastrophic risk profile. * Perform technical tasks and analysis required to support ongoing business operations. * Articulate and present account's risk analysis and underwriting recommendations as needed. May collaborate with multiple teams to develop specialized proposals. **The Skills You Bring** * 2+ years in financial services or similar industry is needed. * 2+ years physical damage insurance underwriting experience preferred. * Prior leadership experience is preferred. * Bachelor's degree in business related discipline preferred. * Education may be used as a proxy for experience. * Typically requires advanced knowledge of Microsoft Office Programs. * Advanced in excel preferred. \#DFS \#LI-Hybrid **How We'll Have Your Back** * Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Ally's total compensation - or total rewards - extends beyond your paycheck and is designed to support and enrich your personal and professional life, including: * Time Away: competitive holiday and flexible paid-time-off, including time off for volunteering and voting. * Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan and 529 educational assistance programs, tuition reimbursement, and other financial well-being programs. * Supporting your Health & Well-being: flexible health and insurance options including dental and vision, pre-tax Health Savings Account with employer contributions and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially. * Building a Family: adoption, surrogacy, and fertility support as well as parental and caregiver leave, back-up child and adult/elder day care program and childcare discounts. * Work-Life Integration: other benefits including LifeMatters Employee Assistance Program, subsidized and discounted Weight Watchers program and other employee discount programs. Who We Are: Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit ************* Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law. Where permitted by applicable law, must have received or be willing to receive the COVID-19 vaccine by date of hire to be considered, if not currently employed by Ally. We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at *************. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation. **_Base Pay Range:_** An individual's position in the range is determined by the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer. **Emerging:** 55000 **Experienced:** 67500 **Expert:** 80000 Incentive Compensation: This position is eligible to participate in our annual incentive plan

OBJECTIVE Senior Commercial Underwriter Objective To underwrite designated commercial lines of insurance. To implement company philosophy and underwriting guidelines in the acceptance, rejection or modification of risks, pricing, classification, hazard recognition, and providing service to policyholders, Farm Bureau Insurance agents and their staff. RESPONSIBILITIES Senior Commercial Underwriter Responsibilities Evaluate, examine and/or physically survey risks submitted for coverage by Farm Bureau Insurance agents. Accept, modify or reject risks based upon all relevant information available, including guidelines, directives, inspections and claims information. Properly classify and rate risks, verify coverage amounts, and develop appropriate premium. Work with Farm Bureau Insurance agents, and in some cases insureds, to determine exposure and appropriate coverages. Monitor exposure of individual risks by the review of pictures, inspections, claims, consumer reports, renewal surveys, audits and communications with Farm Bureau Insurance agents. QUALIFICATIONS Senior Commercial Underwriter Qualifications Required: Bachelor's degree required, or equivalent experience may be considered. Minimum three years' experience in commercial underwriting or commensurate insurance industry required. Must possess a valid driver license with an acceptable driving record. Associate in Commercial Underwriting (AU) or Associate in Personal Insurance (API) designation required, or equivalent education may be considered. Preferred: Designation in Chartered Property Casualty Underwriter (CPCU) preferred, or actively being pursued. Note - Must live in Michigan. If within 60-miles of the office located in Lansing, Michigan, we require in-office 6-scheduled days a month, and can work remotely the remainder of days. If a candidate is not selected, a Commercial Underwriter will be considered based on the level of experience and qualifications. PM19

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 required. * 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* * 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.