Underwriter Jobs in Framingham, MA

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: **************

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)

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.

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

Spieldenner Financial Group is a part of one the fastest-growing insurance organizations in the country. Our most important focus areas include getting agents paid quickly, keeping costs minimal, and giving agents the training and support needed to achieve success. Job Duties: Setting Appointments: 6-8 hours per week: reaching out to potential clients that have previously requested coverage with our company and scheduling a time to meet with them to discuss their mortgage protection coverage. Research: 4-5 hours per week: digging into the information the client provided in order to customize options to meet their financial need in the case of a death or disability. Meeting with Families: 2 days per week: meeting with clients either virtually or in-person (the choice is yours) to present their options, discuss the details of the coverage, and help them apply for coverage. Administrative: 2 hours per week: following up with insurance carriers to facilitate client applications through underwriting Qualifications: We are looking for coachable, challenge-seeking, self-disciplined individuals with a growth mindset: Skill set isn't everything for this position. What We Do: We serve people: Every week, we sit with our clients (in person or virtually) and take a deep dive into their financial situation. We protect our clients: We partner with top-rated insurance companies to customize a plan that provides a personalized solution that will protect their largest asset: the ability to make an income. We grow : We are a personal development company that just happens to sell insurance. We strive to make a generational impact in the lives of our clients, our agents, and our community! What Sets us Apart: We maintain a people-first mentality that starts and ends with our agents. Our unparalleled benefits and connections within the insurance industry ensure that our agents have the resources they need to excel inside and outside of work If you feel this might be the home you have been looking for. Click APPLY! Commissions as a New Agent: This position is a commission-only based sales position. The average commission on a mortgage protection product is approximately $600 per family you protect. Our expectation is that a full-time agent will sell 5 to 10 mortgage protection plans per week. In addition to mortgage protection, we also have a selection of premium financial products to help people save for retirement or protect their current retirement accounts (e.g. 401k's and IRA's) from losing money in the stock market. We have extensive training on how these products work and how to sell them. In addition to uncapped commission, we have a competitive bonus structure program along with incentive trips agents/managers can qualify for based on their individual and team results. ***No agent's success, earnings, or production results should be viewed as typical, average, or expected. Not all agents achieve the same or similar results, and no particular results are guaranteed. Your level of success will be determined by several factors, including the amount of work you put in, your ability to successfully follow and implement our training and sales system and engage with our lead system, and the insurance needs of the customers in the geographic areas in which you choose to work.

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.

Reviews, evaluates, and rates insurance applications. Determines eligibility of risks when compared to guidelines of programs available. Evaluates the degree of risk involved anddetermine appropriate course(s) of action. Participates in surveys and studies to produce production and loss analysis reports as required. Essential Duties and Responsibilities: Teamwork Communicates with co-workers, management, vendors, and others in a courteous and professional manner. Effectively collaborate within the Underwriting, Operations, Product Management, Claims, and Sales teams. Proactively initiates and participates in various Underwriting related projects. Customer Focus Build, maintain, and manage successful producer relationships to achieve new business development and retention. Assist agents with comments or questions about applications and the likelihood of acceptance by the company. Participates in agency management activities. Answers questions from policyholders and prospects. Risk Evaluation Reviews applications and additional information to determine risk acceptability for the program(s)available within underwriting authority. Evaluate individual prior loss experience for selected risks. Evaluate the loss potential due to catastrophe, severity, and/or frequency. Handles high value risks and exceptions within authority. Reviews requests for cancellation, endorsements, etc. Reviews inspections for eligibility. Reviews policies for renewal consideration. Rate policies or check previously rated policies for proper rating. Utilizes knowledge of available systems to develop information for new or renewal policies. Requests additional documentation necessary for the processing of an application, endorsement or cancellation. Maintains the integrity of the company and products offered by complying with federal and state regulations as well as company policies and procedures. Job Qualifications: Associate's Degree or Bachelor's Degree preferred. 2-20, 20-44PL, or 4-40 Licensure preferred. Three years of property and casualty agency or company experience required. One year of property and casualty underwriting experience required. Knowledge of departmental regulations and policies and standard accepted underwriting practices. Proficiency with Microsoft Office products and internet research tools required. Excellent communication skills and ability to interact on a professional level with internal and external personnel. Demonstrated customer service focus / superior customer service skills. Resourceful and skilled in gaining consensus to solve problems. Results driven with strong problem solving and analytical skills. Ability to work independently in afast-pacedenvironment; and manages changingpriorities effectively. Detail-oriented and exceptionally organized. Collaborative partner; ability to contribute to a positive work environment. General Information: All employees must pass a pre-employment background check. Other checks may be needed based on position: driving history, credit report, etc. The preceding has been designed to indicate the general nature of work performed; the level of knowledge and skills typically required; and usual working conditions of this position. It is not designed to contain, or be interpreted as, a comprehensive listing of all requirements or responsibilities that may be required by employees in this job. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Heritage Insurance Holdings, Inc. is an Equal Opportunity Employer. We will not discriminate unlawfully against qualified applicants or employees with respect to any term or condition of employment based on race, color, national origin, ancestry, sex, sexual orientation, age, religion, physical or mental disability, marital status, place of birth, military service status, or other basis protected by law.

At Citizens, we're more than a bank. As part of our team, you're made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself. As the Home Equity Underwriter II, you will be responsible for rendering quality credit decisions on complicated new HELOC applications, using your data analysis, problem-solving skills, and knowledge of the Consumer Lending credit policy and regulatory guidelines. You are responsible for reviewing all required documentation deemed necessary to determine the credit decision is valid and in line with underwriting policies. You will demonstrate sound judgment and communication skills while making decisions to mitigate risk for Citizens. Most importantly, you'll feel valued for who you are and supported to achieve what's important to you, personally and professionally! Primary responsibilities include Analyze and appropriately decision Home Equity Line of Credit applications in accordance with the Consumer Lending credit policy and regulatory guidelines (including the Fair Credit Reporting Act and Equal Credit Opportunity Act). Ensure material information captured in the application is accurate and updated as needed based on the documentation provided. Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making. Meet or exceed productivity levels and credit quality standards, as established. Analyze and interpret POI documents, including complicated personal and business tax returns/K1's, in order to determine verifiable income in an effort to verify a customer's ability to repay the loan. Clearly document files with the methodology used to calculate the income. Analyze all applications for counteroffer opportunities when the original terms requested do not qualify. Qualifications, Education, Certifications and/or Other Professional Credentials Three to five years related underwriting experience. Home Equity lending and processing experience preferred. Demonstrated knowledge of equity lending policies, procedures, and products, as well as knowledge of secondary market guidelines. Must be organized, detail-oriented and have excellent interpersonal, communication and computer skills. Experience with automated systems. Proficiency with the system is essential. Attendance in office during normal business hours (at minimum) may be required in order to effectively coordinate with multiple departments, projects and outside entities. Ability to work well with retail sales and loan officers. Demonstrated ability to analyze and evaluate complex income calculations. Desire to work in a fast-paced production environment. Hours & Work Schedule Hours per Week: 40 Work Schedule: Monday- Friday

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.

Responsible for providing supervisor with information necessary to make sound underwriting decisions. Provides support within established performance standards. Assures all related support activities are delivered in a manner consistent with business unit customer service focus. Essential Duties and Responsibilities Underwriter in the renewal and new business activities that support underwriting decisions that are consistent with department growth, profitability and within individual granted authority. Partners with the Senior underwriters to establish support needs (i.e., identify/gather relevant account information to quote and/or bind) for new and renewal business. Reviews underwriting / pricing exhibits (i.e., Account Summaries, Loss Runs, Internet Research, Rate Sheets). Manages/oversees account documentation (i.e., Account Clearance, Acknowledgement Letters, Underwriting Documentation, Closing Letters). Ensures accurate and timely servicing of accounts in accordance with Department Service Standards. Participates in projects/assignments as needed. Works with their supervising underwriter conducting quarterly audits of underwriting files to ensure accounts are written in accordance with assigned Letters of Authority. Key Competencies: A self-starter that can work independently and within a team. A personal drive for excellence, a track record of exceeding expectations, and a flair for innovation. Organization and prioritization. Attention to detail and accuracy. Judgment and confidentiality. Communication skills. Information management skills. Problem-solving skills.

The production underwriter will be responsible for low to moderately complex risk selection/rejection, pricing, retention, growth and profitability within scope of authority and per divisional objectives. Uses independent judgement and initiative to support business goals. Receives and analyzes submissions and determines terms to offer within granted authority. Prices business in accordance with program guidelines. Assess risk quality and compliance within program guidelines. Orders miscellaneous business reports needed in rating and underwriting processes, including financial agreements and underwriting surveys. Makes recommendations on risks over authority. Prepares effective internal and external communications on underwriting summaries and issues. Our salary range is between $75,000 and $85,000 for an office role in St. Louis. A discretionary bonus may apply to the qualified candidate. Responsibilities: Review and approve new business, endorsements, renewals and remarkets that fall within underwriting authority and applicable market guidelines; refer risks that fall outside authority or guidelines Review risk management information to identify and recommend risk mitigation solutions and requirements Consult and assist agents with understanding appetite and apply that knowledge to risk selection Create and present new business and renewal proposals Develop and retain agency and market relationships Collaborate with team members to make sound business decisions Qualifications: Bachelor's degree or equivalent Minimum 1-3 years of wholesale/E&S market with underwriting experience Exceptional oral and written communication skills and ability to work efficiently and collaboratively with other departments Motivated and organized self-starter with strong attention to detail Ability to exercise sound and independent judgement Reliable and strong team player Comfortable working under pressure to balance production timelines with individual client needs Equal Employment Opportunity At Novatae Risk Group, we celebrate and support our differences. We know employing a team rich in diverse thoughts, experiences, and opinions allows our employees, our products, and our community to flourish. Novatae is honored to be an equal opportunity workplace. We are dedicated to equal employment opportunities regardless of race, color, ancestry, religion, sex, national orientation, age, citizenship, marital status, disability, gender identity, sexual orientation, or Veteran status. In addition, Novatae makes reasonable accommodations to known physical or mental limitations of an otherwise qualified applicant or employee with a disability, unless the accommodation would impose an undue hardship on the operation of our business.

Jobs for Humanity is partnering with FM Global to build an inclusive and just employment ecosystem. Therefore, we prioritize individuals coming from the following communities: Refugee, Neurodivergent, Single Parent, Blind or Low Vision, Deaf or Hard of Hearing, Black, Hispanic, Asian, Military Veterans, the Elderly, the LGBTQ, and Justice Impacted individuals. This position is open to candidates who reside in and have the legal right to work in the country where the job is located. Company Name: FM Global Job Description More information about this job:Overview: FM Global is a leading property insurer of the world's largest businesses, providing more than one-third of FORTUNE 1000-size companies with engineering-based risk management and property insurance solutions. FM Global helps clients maintain continuity in their business operations by drawing upon state-of-the-art loss-prevention engineering and research; risk management skills and support services; tailored risk transfer capabilities; and superior financial strength. To do so, we rely on a dynamic, culturally diverse group of employees, working in over 100 countries, in many challenging roles. Responsibilities: Candidate will support the development of the organization's optimal reinsurance solutions as we evolve and embark on new strategic underwriting growth initiatives and opportunities. This will require the consideration of both traditional and alternative reinsurance structures, traditional and alternative reinsurers like insurance-lined securities, investors, and our own capital/surplus when recommending the optimal solution. Qualifications: Financial background capable of preparing budget projections for all ceded re costs each year and managing collateralization requirements, including commutation, rollover and strategic deployment of capital. Excel-based modeling for strategic uses of capital Firm understanding of FM Global's business model and line underwriting. Proficient in reinsurance products, with an understanding of market trends and practices that could help optimize the organizations reinsurance strategy Lead the development of new reinsurance products and the day-to-day maintenance of those created reinsurance products. Experience in developing and reviewing contractual language, terms and conditions of reinsurance contracts Participate in underwriting audits performed in Operations offices, as well conduct periodic audits of specific reinsurance areas of the Company's book Represent Natural Hazards UW, where a light touch/assistance is necessary Minimum Education: 4 year college degree/bachelors Preferred Education: MBA/graduate degree Experience: 10 years in insurance/reinsurance whether from a financial or underwriting discipline The hiring range for this position dependent on final grade and title is $126,800 to $182,300 USD. The final salary offer will vary based on geographic location, individual education, skills, and experience. The position is eligible to participate in FM Global's comprehensive Total Rewards program that includes an incentive plan, generous health and well-being programs, a 401(k) and pension plan, career development opportunities, tuition reimbursement, flexible work, time off allowances and much more. FM Global is an Equal Opportunity Employer and is committed to attracting, developing, and retaining a diverse workforce. #FMG

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.

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_*********************.

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

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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.

Everest Group, Ltd. (Everest) is a global underwriting leader providing best-in-class property, casualty, and specialty reinsurance and insurance solutions that address customers' most pressing challenges. Known for a 50-year track record of disciplined underwriting, capital and risk management, Everest, through its global operating affiliates, is committed to underwriting opportunity for colleagues, customers, shareholders, and communities worldwide. About Everest Evolution Everest Evolution is the Wholesale-Exclusive arm of Everest serving the dynamic and rapidly-growing US E&S market. Everest Evolution offers Property and Casualty insurance products across multiple business units, with wholesale-exclusivity for various products. Everest Evolution, a member of the Everest Group, Ltd. (Everest), is looking for an Underwriter or Senior Underwriter to join our Excess Casualty team in our Chicago, Houston, Los Angeles, San Francisco, Boston, Philadelphia, New York, or Warren office. The ideal candidate will possess a background in underwriting and be committed to delivering outstanding service and underwriting results. Responsibilities include but not limited to: * Underwrite and price Lead Umbrella and Excess Casualty policies for US based risks. * Develop a sound understanding of the underwriting strategy for areas of responsibility. * Cultivate strong relationships with brokers, clients, and key industry stakeholders. * Develop the skills required to manage a portfolio of new and renewal business. * Collaboratively work with our internal Underwriting, Claims, Risk Engineering, Regional Leadership and Sales & Distribution teams to effectively meet quality servicing standards and to achieve underwriting goals. * Adhere to portfolio management goals, company guidelines, and objectives to ensure underwriting discipline and book profitability. * Assist with comprehensive assessments of accounts and ensure timely and accurate file documentation. * Assist in growing the excess portfolio with preferred casualty business. * Participating in relevant industry events and conferences. * Business travel as required to support the above objectives, and the appropriate management of expenses. Qualifications, Education & Experience: * Bachelor's Degree preferred. * Preferred 2-5 years of casualty insurance industry experience, with wholesale excess casualty underwriting experience preferred. * Strong analytical as well as communication and presentation skills. Knowledge, Skills & Competencies: * Self-Starter/Entrepreneurial Spirit * Communication skills * Strong networking ability * Microsoft office proficient For California and NY Only: The base salary range for this position is $100,000 - $145,000 annually. The offered rate of compensation will be based on individual education, experience, qualifications, and work location. 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. 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: Chicago, IL - South Riverside Additional Locations: Boston, MA, Houston, TX, Los Angeles, CA, New York, NY, Philadelphia, PA, San Francisco, CA, 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)

Company DescriptionJobs for Humanity is partnering with FM Global to build an inclusive and just employment ecosystem. Therefore, we prioritize individuals coming from the following communities: Refugee, Neurodivergent, Single Parent, Blind or Low Vision, Deaf or Hard of Hearing, Black, Hispanic, Asian, Military Veterans, the Elderly, the LGBTQ, and Justice Impacted individuals. This position is open to candidates who reside in and have the legal right to work in the country where the job is located. Company Name: FM Global Job DescriptionMore information about this job:Overview: FM Global is a leading property insurer of the world's largest businesses, providing more than one-third of FORTUNE 1000-size companies with engineering-based risk management and property insurance solutions. FM Global helps clients maintain continuity in their business operations by drawing upon state-of-the-art loss-prevention engineering and research; risk management skills and support services; tailored risk transfer capabilities; and superior financial strength. To do so, we rely on a dynamic, culturally diverse group of employees, working in over 100 countries, in many challenging roles. Responsibilities: Candidate will support the development of the organization's optimal reinsurance solutions as we evolve and embark on new strategic underwriting growth initiatives and opportunities. This will require the consideration of both traditional and alternative reinsurance structures, traditional and alternative reinsurers like insurance-lined securities, investors, and our own capital/surplus when recommending the optimal solution. Qualifications: Financial background capable of preparing budget projections for all ceded re costs each year and managing collateralization requirements, including commutation, rollover and strategic deployment of capital. Excel-based modeling for strategic uses of capital Firm understanding of FM Global's business model and line underwriting. Proficient in reinsurance products, with an understanding of market trends and practices that could help optimize the organizations reinsurance strategy Lead the development of new reinsurance products and the day-to-day maintenance of those created reinsurance products. Experience in developing and reviewing contractual language, terms and conditions of reinsurance contracts Participate in underwriting audits performed in Operations offices, as well conduct periodic audits of specific reinsurance areas of the Company's book Represent Natural Hazards UW, where a light touch/assistance is necessary Minimum Education: 4 year college degree/bachelors Preferred Education: MBA/graduate degree Experience: 10 years in insurance/reinsurance whether from a financial or underwriting discipline The hiring range for this position dependent on final grade and title is $126,800 to $182,300 USD. The final salary offer will vary based on geographic location, individual education, skills, and experience. The position is eligible to participate in FM Global's comprehensive Total Rewards program that includes an incentive plan, generous health and well-being programs, a 401(k) and pension plan, career development opportunities, tuition reimbursement, flexible work, time off allowances and much more. FM Global is an Equal Opportunity Employer and is committed to attracting, developing, and retaining a diverse workforce. #FMG