Underwriter Jobs in Ohio

- 157 Jobs

Underwriter
Emergent Holdings Career Section
Underwriter Job In Westerville, OH
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 providing temporary assistance to field BDC and providing input when requested as part of the territory's or regions overall agency plan. RESPONSIBILITIES / TASKS: 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. Supports agency relationships. Supports agency plans in cooperation with other staff. Addresses agents' and policyholders' concerns/needs. Develops new business and retention of existing business in a given territory or region. Explains and emphasizes benefit of workers' compensation insurance products and services to customers (agents and policyholders). 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 Accident Fund and agent activities. Analyzes and reviews production and loss information for agents. Prepares periodic reports as requested Research and coordinates responses to agents, policyholders and regulatory entities Analyzes agency performance and develop corrective action plans as needed to correct poor performance. Analyze accounts to determine exposure and proper pricing Gathers competitive and product information from the field Responsible for profitability of territory. Trains agency employees on the use of company specific automation systems Reviews loss trends and develops action plans to correct problem areas Supports schedule for large account service plans with claims, loss control, premium audit, and other departments as needed Provides input for agency advisory council meetings Assists in the development of regional goals. Additional Senior Business Development Associate Responsibilities: Develop and manage agency relationships within scope of authority Develop and manage annual agency plans in cooperation with BDC On selected agents, coordinate and support agency training and utilization of company systems Represents our company at industry events to promote marketing efforts Helps to mentor and develop Business Development Associates Demonstrates leadership in BDA responsibilities Conducts 2-4 presentations each year for colleagues and/or agencies This position description identifies the responsibilities and tasks typically associated with the performance of the position. Other relevant essential functions may be required. EMPLOYMENT QUALIFICATIONS: EDUCATION: Bachelor's degree in marketing, insurance or related field. Combinations of relevant education and experience in the following areas may be considered in lieu of a degree: Underwriting, marketing, loss prevention, and/or auditing. Continuous learning required, as defined by the Company's learning philosophy. Certification, or progress toward, highly preferred and encouraged. SKILLS/KNOWLEDGE/ABILITIES REQUIRED: Ability to exercise good judgment in evaluating and determining the proper pricing for prospective policyholders using corporate underwriting guidelines by accepting or rejecting risks for the purposes of issuing workers' compensation insurance coverage Ability to initiate insurance transactions in compliance with all policies, procedures, legal and ethical guidelines. Ability to negotiate while establishing a personal rapport and maintaining an effective working and client relationship. Knowledge of workers' compensation insurance and the independent agency system. Ability to apply creative and persuasive techniques to generate new, and maintain, existing business and ability to be creative when presented with unique situation. Ability and proficiency in the use of computers and company standard software. Strong interpersonal skills and ability to create and maintain mutually beneficial relationships. Ability to work with minimum supervision and balance demands of a field position by supporting agents while keeping current with underwriting workload. Ability to perform other assignments at locations outside the office. Ability to support agency relationships and to make sound underwriting decisions. knowledge of appropriate jurisdictional workers compensation laws 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 analyze and solve practical problems which deal with a variety of variables. Ability to make and implement competent, independent decisions and to build consensus. Ability to understand and implement audit procedures and processes for agencies. Ability to relocate. Additional Senior Business Development Associate: In conjunction with BDC, ability to manage agency relationships and demonstrated ability to make sound underwriting decisions Higher level knowledge of appropriate jurisdictional workers' compensation laws Ability to exercise intermediate judgment skills in evaluating and determining the proper pricing for prospective policyholders using corporate underwriting guidelines by accepting or rejecting risks for the purposes of issuing workers' compensation insurance coverage. Demonstrate ability to work on more complex, larger accounts than BDA role Excellent oral and written communications skills with the ability to effectively communicate with agents and policyholders WORKING CONDITIONS: Work is performed in the office and occasionally in the field with minimal hazards. Minimal travel is required with occasional overnight stays. May be required to lift and carry computer equipment and other marketing promotional items weighing up to 35 lbs. Must be willing and able to relocate. 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 $52,700 and $88,300. The qualifications listed above are intended to represent the minimum education, experience, skills, knowledge and ability levels associated with performing the duties and responsibilities contained in this job description. 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-CD1
$52.7k-88.3k yearly 38d ago
Underwriter
Emergent Holdings, Inc.
Underwriter Job In Westerville, OH
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 providing temporary assistance to field BDC and providing input when requested as part of the territory's or regions overall agency plan. RESPONSIBILITIES / TASKS: * 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. * Supports agency relationships. * Supports agency plans in cooperation with other staff. * Addresses agents' and policyholders' concerns/needs. * Develops new business and retention of existing business in a given territory or region. * Explains and emphasizes benefit of workers' compensation insurance products and services to customers (agents and policyholders). * 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 Accident Fund and agent activities. * Analyzes and reviews production and loss information for agents. * Prepares periodic reports as requested * Research and coordinates responses to agents, policyholders and regulatory entities * Analyzes agency performance and develop corrective action plans as needed to correct poor performance. * Analyze accounts to determine exposure and proper pricing * Gathers competitive and product information from the field * Responsible for profitability of territory. * Trains agency employees on the use of company specific automation systems * Reviews loss trends and develops action plans to correct problem areas * Supports schedule for large account service plans with claims, loss control, premium audit, and other departments as needed * Provides input for agency advisory council meetings * Assists in the development of regional goals. Additional Senior Business Development Associate Responsibilities: * Develop and manage agency relationships within scope of authority * Develop and manage annual agency plans in cooperation with BDC * On selected agents, coordinate and support agency training and utilization of company systems * Represents our company at industry events to promote marketing efforts * Helps to mentor and develop Business Development Associates * Demonstrates leadership in BDA responsibilities * Conducts 2-4 presentations each year for colleagues and/or agencies This position description identifies the responsibilities and tasks typically associated with the performance of the position. Other relevant essential functions may be required. EMPLOYMENT QUALIFICATIONS: EDUCATION: Bachelor's degree in marketing, insurance or related field. Combinations of relevant education and experience in the following areas may be considered in lieu of a degree: Underwriting, marketing, loss prevention, and/or auditing. Continuous learning required, as defined by the Company's learning philosophy. Certification, or progress toward, highly preferred and encouraged. SKILLS/KNOWLEDGE/ABILITIES REQUIRED: * Ability to exercise good judgment in evaluating and determining the proper pricing for prospective policyholders using corporate underwriting guidelines by accepting or rejecting risks for the purposes of issuing workers' compensation insurance coverage * Ability to initiate insurance transactions in compliance with all policies, procedures, legal and ethical guidelines. * Ability to negotiate while establishing a personal rapport and maintaining an effective working and client relationship. * Knowledge of workers' compensation insurance and the independent agency system. * Ability to apply creative and persuasive techniques to generate new, and maintain, existing business and ability to be creative when presented with unique situation. * Ability and proficiency in the use of computers and company standard software. * Strong interpersonal skills and ability to create and maintain mutually beneficial relationships. * Ability to work with minimum supervision and balance demands of a field position by supporting agents while keeping current with underwriting workload. * Ability to perform other assignments at locations outside the office. * Ability to support agency relationships and to make sound underwriting decisions. * knowledge of appropriate jurisdictional workers compensation laws * 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 analyze and solve practical problems which deal with a variety of variables. * Ability to make and implement competent, independent decisions and to build consensus. * Ability to understand and implement audit procedures and processes for agencies. * Ability to relocate. Additional Senior Business Development Associate: * In conjunction with BDC, ability to manage agency relationships and demonstrated ability to make sound underwriting decisions * Higher level knowledge of appropriate jurisdictional workers' compensation laws * Ability to exercise intermediate judgment skills in evaluating and determining the proper pricing for prospective policyholders using corporate underwriting guidelines by accepting or rejecting risks for the purposes of issuing workers' compensation insurance coverage. * Demonstrate ability to work on more complex, larger accounts than BDA role * Excellent oral and written communications skills with the ability to effectively communicate with agents and policyholders WORKING CONDITIONS: Work is performed in the office and occasionally in the field with minimal hazards. Minimal travel is required with occasional overnight stays. May be required to lift and carry computer equipment and other marketing promotional items weighing up to 35 lbs. Must be willing and able to relocate. 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 $52,700 and $88,300. The qualifications listed above are intended to represent the minimum education, experience, skills, knowledge and ability levels associated with performing the duties and responsibilities contained in this job description. 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-CD1
$52.7k-88.3k yearly 60d+ ago
Mortgage Protection, Final Expense and IUL Sales - We Need YOU!!
Guetterman Financial Group
Underwriter Job In Akron, OH
Deeply committed to a culture of Intelligence, Innovation, Integrity, and agent support, The Wagner Agency offers agents a full-service company to work with. Why Work with The Wagner Agency? You can review our 15-minute overview below. https://vimeo.com/917***********145acb?share=copy If you find alignment please book into my calendar and we will be able to answer questions and get you moving forward. ********************************** You will be trained to work with interested clients and have access to multiple A+ rated carriers. We specialize in UL's, Term, Whole Life, Annuities with a heavy emphasis on using IUL's for the tax-free retirement planning process. We offer generous compensation up to 140% plus bonus Consultative approach. No pressures sales required. We train to serve your clients. Agents will be trained in both tele sales and virtual presentations using Zoom. We work in the middle class and senior markets where families are UNDER insured. In-house and COMPLIANT marketing is offered but not mandatory. Responsibilities: The ideal candidate will be willing to work a minimum of 20+ hours a week. Be willing to learn our company's selling system including phone script, virtual presentation & product placement. Team supported environment, communication and engagement is required with LMS (Learning Management System). Must be able to review underwriting guidelines and make product selection based on clients age, health, and desired insurance coverage. Qualifications: Licensed Life Insurance or Health Agents or TOP sales rep or willing to become Licensed. Coachable, Patient, Ambitious and a Team Player mentality! Must have basic computer skills. Must have a smart phone and a laptop and connected to the internet. The Wagner Agency Core Values are integrity, intelligence and innovation. Although all our licensed agents are independent contractors, we take great pride in training our sales team to become experts in their field of work. A family feal company with a professional atmosphere.
$49k-83k yearly est. 5d ago
Field Underwriter
Luminous Financial
Underwriter Job In Dayton, OH
INSURANCE SALES REPRESENTATIVE - REMOTE SALES - WORK FROM ANYWHERE! We offer Part-time and Full-time job opportunities everywhere in the United States.We are looking for motivated people who want to become financially independent and get a sense of significance in their work. We offer LICENSED PRODUCERS a very good opportunity for financial freedom! In addition, we help UNLICENSED AGENTS get through the LICENSING REQUIREMENTS and provide free training to help them achieve their goals. WHO WE ARE We are an independent broker of Living Benefits Life Insurance. We represent some of the largest insurance carriers in the USA and Canada. This is a place agents can (1) be their own boss and set their own schedules; (2) gain financial independence; and (3) get the respect and recognition they deserve. What do distributors do? We are hiring and training men and women to distribute a revolutionary new type of life insurance with Living Benefits. This allows the policy holder to accelerate the death benefit for their own use while they are still living. Living benefits are the best-kept secret of life insurance. This new type of insurance practically sells itself. These insurance agents service middle income America and we are looking for entrepreneurs who want to build their own distribution network. We are partnering with agency owners with a current sales force or we will train you to hire and build your own agency. The absolute best compensation in the industry - you literally determine your own income and income potential. Agents can earn commissions in excess of 140% of sales! We have an unmatched and proven hiring and onboarding system in place. Great carrier overrides and bonuses! Job requirements Life insurance license or willing to obtain one. You will need a valid drivers license and vehicle to travel to and from client appointments. Cell and laptop/tablet and/or IPAD are required as well. What do we offer? If you currently have a Life Insurance license, then you can be in the field within one week If you do not have a Life Insurance License, no problem! We can show you how to get one very easily - Most complete the requirements in one week or less! There is no income cap and we offer weekly bonuses, monthly bonuses, and a profit sharing program. Disclaimer: Compensation is 100% Commission and Bonus. Please be aware before applying for position Training is 100% FREE and it is the absolute best in the industry. We will train you to call, set, and run appointments from your home office. We offer the best leads in the industry. Our leads are new, qualified, and affordable. We have access to multiple vendors which ensures our agents high quality, low cost leads. Renewals are 100% vested from day one - there is no waiting period! Flexible schedule - you are your own boss and you set your own schedule Opportunity for advancement into leadership and management roles.
$46k-77k yearly est. 60d ago
Underwriter - AgriBusiness
GAIC Great American Insurance Company
Underwriter Job In Cincinnati, OH
Be Here. Be Great. Working for a leader in the insurance industry means opportunity for you. Great American Insurance Group's member companies are subsidiaries of American Financial Group. We combine a "small company" culture where your ideas will be heard with "big company" expertise to help you succeed. With over 30 specialty and property and casualty operations, there are always opportunities here to learn and grow. At Great American, we value diversity and recognize the benefits gained when people from different cultures, backgrounds and experiences work collaboratively to achieve business results. We are intentionally focused on fostering an inclusive culture and know valuing diversity is an essential leadership quality. Our goal is to create a workplace where all employees feel included, empowered and enabled to perform at their best. Running a farm or ranch has always involved a lot of risks. But these days, rapid changes in the industry are raising the stakes. Advanced technologies and new environmental concerns are pushing farming and ranching in new directions. But no matter how much things change, one thing never will: Great American's AgriBusiness Division's commitment to keeping farmers and ranchers strong with effective insurance coverage. The AgriBusiness Division has been helping farmers and ranchers manage the uncertainties of doing business as far back as 1886. Today, the division provides coverage for full-time farms, ranches, and other agricultural operations in 44 states. The farm products can cover businesses that range from fruit and vegetable farms to livestock operations and the equine farm products cover a wide range of risks ranging from monoline property and liability, care custody or control to umbrella and auto. ********************************************************************************************* We are looking for an Underwriter to join our AgriBusiness division in either our Cincinnati, OH or our Ocala, FL office. Training will be fully in person, with the opportunity to work a hybrid schedule after training is completed. Essential Job Functions and Responsibilities Evaluates and underwrites new and renewal business in accordance with Company underwriting guidelines and risk appetite. Analyzes risk information to make informed decisions on coverage, pricing, and terms. Collaborates with actuaries, agents, brokers, and clients to obtain necessary information and clarify details. Orders additional reports and screens, such as motor vehicle reports, loss history reports, outside inspections, etc., to inform decisions. Ensures proper documentation of underwriting decisions and compliance with state and federal insurance regulations. Evaluates existing policies for potential renewal or modification. Communicates underwriting decisions clearly and effectively to internal teams, agents, and brokers. Stays updated on industry trends, regulatory changes, and market conditions. Develops and maintains effective business relationships with internal and external customers/coworkers in order to attract and retain profitable business. Interprets, explains, and markets products and services. Performs other duties as assigned. Job Requirements Bachelor's Degree in Business, Economics, Risk Management and Insurance, or a related field or equivalent experience. Generally, a minimum of 6 months of related insurance experience. Continuing progress toward and/or the completion of a professional designation preferred, such as Associate in Underwriting (AU), Chartered Property Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC), Program in General Insurance (INS), or Associate of Risk Management (ARM). Performs work under moderate supervision and technical direction. Familiar with basic concepts, practices and procedures. Works with authority on assignments of low to moderate technical complexity. Develops and maintains knowledge of company policies and industry laws and regulations. Excellent interpersonal and communication skills. Strong analytical skills with attention to detail. Strong negotiation and decision-making ability. Position requires occasional travel. This job is non-exempt in California and Washington. Business Unit: AgriBusiness Benefits: Compensation varies by role, position level, and location. Individual pay is influenced by skills, education, training, certifications, experience, and the role's scope and complexity, along with business needs. We offer a competitive Total Rewards package, including medical, dental, and vision plans starting on day one, PTO, paid holidays, commuter benefits, an employee stock purchase plan, education reimbursement, paid parental leave/adoption assistance, and a 401(k) plan with company match. These benefits are available to eligible full-time and part-time employees. Your recruiter can provide more details about our total rewards and specific compensation ranges during the hiring process.
$45k-76k yearly est. 60d+ ago
Case Underwriter III
Trustmark 4.6
Underwriter Job In Columbus, OH
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.
$69.8k-100.8k yearly 60d+ ago
CL Field Underwriter (Northern Ohio territory)
Grange Insurance Careers 4.4
Underwriter Job In Akron, OH
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.â¯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.â¯Together, we use our individual experiences to learn from one another and grow as professionals and as people.â¯ 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.
$38k-58k yearly est. 40d ago
Mortgage Loan Underwriter II
City National Bank 4.9
Underwriter Job In Columbus, OH
WHAT IS THE OPPORTUNITY? The role of the Underwriter II is to evaluate the credit risk against company standards and to determine the borrower's ability to repay a residential mortgage. The Underwriter II analyzes and interprets more complex financial and non-financial data decisioning the requests with the goal of achieving the optimal quality asset for the bank while satisfying the needs of borrower. The Underwriter II is also responsible for LLCs along with other complex borrower types. The Underwriter works within established lending authorities and guidelines, with complex or unusual situations escalated to the next highest authority level for resolution. What you will do * Reviews the loan package received to ensure completeness verifying that all supporting documents are included to make a credit decision per established policies * Identifies issues and recommends appropriate resolution within policy service level agreements * Analyzes and determines the financial capacity of the borrower's ability to repay: * Performs credit analysis, financial statement analysis, cash flow analysis, liquidity qualification and payment calculation spreads * Reviews for stability of residency and employment * Verifies income per established policy * Identifies any exceptions to current policies * Documents a reasonable conclusion mitigating any identified risks supporting the request will be repaid * Accurately sets and clears conditions * Interacts with RLC and Processor throughout the life cycle of the loan, providing information, updates and assistance as required. * Updates System(s) with pertinent information and appropriate data as required * Renders a decision within his/her lending authority. If deal is outside of lending authority, provides a recommended decision and submits for appropriate level signing authority * Originates appropriate client letters; Commitment, Counter Offer, Declination * Certifies and provides a final Workbook to the Processor * Ensures compliance with bank and statutory/regulatory guidelines * Client Satisfaction * Promotes a team environment fostering a positive working environment * Functions as a collaborator and innovator to drive continuous improvement * Provides guidance and support to the RLC and Processor when required * Utilizes systems and tools to ensure that the RLC's are updated on the status of loans * Interacts and communicates daily with all levels as required to support business units, Processors, Funding/Doc Prep to ensure requirements are understood and met * Provides timely, complete and accurate response to inquiries * Handles all situations in a professional and ethical manner * Escalates problems as necessary * Supports and contributes to the quality and customer satisfaction goals of the bank * Productivity * Ensures all goals and service level agreements (SLAs) are met * Tracks, logs and provides daily, weekly, monthly, quarterly reporting of production statistics as defined by management * Consistently meets quality control and data integrity standards * Effectively utilizes available systems, workflow and imaging tools * Performs other duties as assigned by Management, including participation in projects, process improvement initiatives, etc. *Must-Have** * Minimum 5 years of experience as an Underwriter in a financial services or mortgage banking environment required. * Minimum 5 years of experience in jumbo underwriting to investor or organization's guidelines required. * Minimum 5 years of experience with state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.). *Skills and Knowledge* * Bachelor's degree required. * Familiarity with FNMA/FHLMC guidelines. * Computer literate with experience using Microsoft applications with mortgage industry standard software, preferably InterLink E3 or NetOxygen/Gallagher. * Ability to communicate effectively in both verbal and written form. * Strong time management skills to plan and organize a high daily loan volume. * Strong ability to be very detail oriented. * Must be a team player and work constructively with their fellow colleagues. * General knowledge and exposure to funding and loan documentation is helpful but not required. *Compensation* Starting base salary: $37.96 - $60.64 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. **To be considered for this position you must meet at least these basic qualifications* The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our **************************************************************************************************** *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.' ABOUT CITY NATIONAL We start with a basic premise: Business is personal. Since day one we've always gone further than the competition to help our clients, colleagues and community flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues to drive phenomenal growth today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies.
$38-60.6 hourly 60d+ ago
Mortgage Underwriter
Howard Hanna 4.1
Underwriter Job In Cleveland, OH
Howard Hanna Mortgage Services/1st Priority Mortgage has an opening for an experienced Mortgage Loan Underwriter. Underwriter Location: Mayfield Heights, OH Reports To: Underwriting Manager FLSA Status: Non-Exempt Job Responsibilities: * Underwriting loans from pre-approval to final approval. * Reviewing approval conditions for accuracy and structure loans according to policy requirements and credit quality. * Assisting with resolving post-closing issues and quality control audits. * Other duties as assigned. Job Requirements: * 3+ years' experience as a mortgage underwriter. * FHA Direct Endorsement designation is required for consideration (FHA CHUMS ID) * VA credit underwriting preferred * VA SAR preferred * USDA underwriting preferred * Thorough understanding of underwriting guidelines, policies and procedures of FHA, VA, USDA, Fannie Mae, and Freddie Mac. * Experience with state bond programs preferred. * Applicant must be familiar with Desktop Underwriter (DU) and Loan Prospector (LPA); Experience with GUS is a plus.. * Proficient with different AUS engines, investor site, FHA Connection, and web LGY. * Solid track record of success in underwriting FHA, VA, USDA, and Conventional Loans. * Understanding of how to read and analyze multiple types of underwriting guidelines. * Ideally, applicant has recently worked in the business within the past 12 months, as current understanding of compliance and regulatory issues is critical. * Highly disciplined, analytical, independent, entrepreneurial, confident, well-organized self-starter. * Team-oriented, adaptable, coachable, dependable, with a strong work ethic. It takes a strong team to build a successful company and if you are interested in taking part in tough challenges to come up with smart solutions, Howard Hanna Mortgage Services/1st Priority Mortgage is the team for you. Qualified candidates please send resumes to: ***************************** HowardHanna.com Howard Hanna affiliates and assigns are committed to providing equal employment opportunity to all employees and applicants for employment regardless of such factors as race, color, religion, sex, national origin, age, veteran's status or disability. The Company abides by all local, state and federal laws and regulations affecting the hiring of Howard Hanna Mortgage Services has an opening for an experienced Mortgage Loan Underwriter.employees.
$61k-96k yearly est. Easy Apply 2d ago
SBA Underwriter III
Northwest Bancorp, Inc. 4.8
Underwriter Job In Columbus, OH
The SBA Underwriter III role supports the Commercial and Small Business Banking lines of business. This position functions as a credit resource who engages in eligibility determination, recommends appropriate loan structures, analyzes financials/projections and underwrites facility for a wide range of business credits while maintaining appropriate service level agreement. This position underwrites more complex credits and may coach and mentor junior underwriters. The ideal candidate will help us grow the line of business through thoughtful efficiency recommendations and will become a trusted resource for the SBA sales team. Essential Functions * Efficiently and thoroughly determine the credit worthiness of new SBA loan requests and risk ratings for annual reviews * SBA loan decision authority under the Dual Loan Approval Authority matrix structure * Disseminate Northwest's and SBA credit risk appetite to lenders and team partners in their assigned regions * Engage in monitoring of all SBA credit-related portfolio trends, and banking rules and regulations applicable to SBA loan portfolio * Review and decision SBA credit requests, annual reviews and portfolio monitoring / management up to designated joint lending authority * Determine the appropriate level of credit underwriting and due diligence to appropriately characterize the risk profile of each credit * Identify credit strengths, weaknesses, and mitigating factors * Engage in pre-flight reviews of credits * Determine eligibility requirements based on SBA SOP * Meet or exceed established service level expectations * Review term sheets and commitment letters prior to issuance to customers * Prepare and present updates as needed to senior leadership * Support the Bank in developing understanding of SBA eligibility and processes within the organization * Support training across organization as needs arise * Ensure complete data integrity in origination and annual review process and ensuring that loan requests are accurately and completely presented * Ensure compliance with Northwest's policies and procedures, and Federal/State regulations * Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency * Work as part of a team * Work with on-site equipment Education + Experience * Bachelor's degree in accounting or finance related degree preferred * 5-6 years of experience in SBA lending or credit administration including credit analysis, portfolio management, loan review and/or special assets with a focus on SBA required * Experience with and knowledge of SBA eligibility required * Experience with and knowledge of USDA programs preferred * Experience as a Commercial Loan Officer preferred #LI-EK1 Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.
$37k-51k yearly est. 24d ago
Junior Underwriter
Roundstone 3.9
Underwriter Job In Rocky River, OH
Junior Underwriter Founded in 2003, Roundstone is not your typical insurance company. We're on a mission to help employers save on healthcare benefits so they can put those savings towards bettering their businesses and taking care of their employees. Role Description As a Junior Underwriter, you are responsible for the first steps in the underwriting process. This includes regular communication with internal sales and external brokers. Scrubbing all submitted data and ensuring all required data has been received. You will work closely with the Underwriters to set up and update proposals. Finally, you'll support quality assurance and accountability by compiling reporting and analysis of the medical expense stop loss program's results. This role is an excellent professional development opportunity for someone with strong math skills and an interest in learning Underwriting. Key Duties & Responsibilities: Gather, organize, and validate data submitted for RFPs and renewals. Contact sales team, brokers, and TPA's regarding gaps and errors in data. Enter data to key underwriting systems and ensure clean handoff to Underwriters. Assist with RFP inbox & work distribution. Assist team lead in assembling and auditing ongoing quality assurance reports Learning other areas of our business by assisting on projects and with other departments outside of the Underwriting busy season Desired Qualifications: Consistency, accuracy & timeliness Proactive and self-motivated problem solver Knowledgeable with Excel (formulas, pivot tables, Vlookups) Organized person who follows up and follows through Adapts to policy and process changes Bachelor's degree in business, finance, math, statistics, or experience in a related field Analytical ability and attention to detail Interpersonal and communication skills to coordinate across departments and with external stakeholders Better Benefits: We're leaders in our industry, so naturally we look out for our employees' best interests with a robust benefits package. Roundstone employees are eligible for: Medical, dental and vision benefits Annual bonus Parental Leave Dependent care 100% match up to max allowable PTO beginning on Day 1 Tuition reimbursement Health work/life balance Hybrid office schedule 401(k) plan with company match Employee Assistance Program On-site gym with personal trainer access Life insurance and short term disability insurance More About Roundstone Headquartered in Rocky River, Ohio, Roundstone is regularly recognized as a Northeast Ohio Top Workplace by the Plain Dealer and cleveland.com. We are especially proud to be recognized as a Top Workplace since this honor is determined by anonymous feedback from our own employees. Roundstone employees enjoy a supportive workplace where they are engaged, valued and regularly recognized for their hard work at monthly company meetings. Roundstone's core values are evident every day and are shared with the community through the sponsorship of community events and outreach. Our Core Values Live well: Be healthier and bring positive energy to all you do. Work smarter: Get things done, better. Own it: Accountability is your middle name. Be on time, do what you say, and finish what you start. Be intellectually curious: Always be learning. See opportunity everywhere and have a drive to know. Culture and fit are integral to success and in an effort to achieve a better match both from a candidate's perspective and our organization, please take a minute, click on the link and take the really brief survey: ************************* VvHYlaw Don't meet every single requirement? Studies have shown that women and people of color are less likely to apply to jobs unless they meet every single qualification. At Roundstone Insurance we are dedicated to building a diverse, inclusive, and authentic workplace, so if you're excited about this role but your past experience doesn't align perfectly with every qualification in the job description, we encourage you to apply anyways. You may be just the right candidate for this or other roles.
$53k-82k yearly est. 12d ago
Production Underwriter
NIIC National Interstate Insurance Company
Underwriter Job In Richfield, OH
National Interstate is a member of Great American Insurance Group. As one of the leading commercial transportation insurers in the nation, we offer risk financing solutions in all 50 states tailored to meet the needs of a wide variety of transportation classes. Our offerings include traditional insurance and innovative alternative risk transfer (ART) programs, including more than a dozen group captive programs catering to niche wheels markets. We are proud to be a multiple Northcoast 99 winner and Cleveland Plain Dealer Top Workplace in Northeast Ohio. It is because of our talented and dedicated team that we are able to live out our company values of integrity, transparency, fairness, accountability, empowerment and collaboration with each transaction we make. If you are ready to join an engaging and driven team such as ours, we would love to hear from you! Since 1989, National Interstate has specialized in serving the insurance needs of the wheels-based transportation industry. Our steadfast focus on developing niche expertise in product design, loss control and claim services has made National Interstate one of the most respected names in commercial transportation insurance today. (****************** National Interstate Insurance is looking for a Production Underwriter to join their team. This individual will work a hybrid schedule out of the Richfield, Ohio office. Essential Job Functions and Responsibilities Evaluates and underwrites new and renewal business in accordance with Company underwriting guidelines and risk appetite. Analyzes risk information to make informed decisions on coverage, pricing, and terms. Collaborates with actuaries, agents, brokers, and clients to obtain necessary information such as additional reports and screens, such as motor vehicle reports, loss history reports, outside inspections, etc., to inform decisions. Ensures proper documentation of underwriting decisions and compliance with state and federal insurance regulations. Communicates underwriting decisions and markets products and services clearly and effectively to internal teams, agents, and brokers. Stays updated on industry trends, regulatory changes, market condition and competition to identify opportunities for product enhancements and marketing strategies. Develops and maintains effective business relationships with internal and external customers/coworkers in order to attract and retain profitable business. Develops and executes marketing strategies to promote the Company's products to brokers and agents. Organizes and participates in marketing initiatives, including presentations, industry events, and broker/agent meetings to showcase products and services. Performs other duties as assigned. Job Requirements Education: Bachelor's Degree in Business, Marketing, Economics, Risk Management and Insurance, or a related field or equivalent experience. Experience: Generally, a minimum of 6 months of related insurance experience. Continuing progress toward and/or the completion of a professional designation preferred, such as Associate in Underwriting (AU), Chartered Property Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC), Program in General Insurance (INS), Associate of Risk Management (ARM), or a marketing designation. Familiarity with digital marketing strategies and tools is beneficial. Scope of Job/Qualifications: Performs work under moderate supervision and technical direction. Familiar with basic concepts, practices and procedures. Works with authority on assignments of low to moderate technical complexity. Develops and maintains knowledge of company policies and industry laws and regulations. Excellent interpersonal and communication skills. Strong analytical skills with attention to detail. Strong negotiation and decision-making ability. Position requires occasional travel. Job is non-exempt in Washington. Company: NIIC National Interstate Insurance Company Benefits: Compensation varies by role, position level, and location. Individual pay is influenced by skills, education, training, certifications, experience, and the role's scope and complexity, along with business needs. We offer a competitive Total Rewards package, including medical, dental, and vision plans starting on day one, PTO, paid holidays, commuter benefits, an employee stock purchase plan, education reimbursement, paid parental leave/adoption assistance, and a 401(k) plan with company match. These benefits are available to eligible full-time and part-time employees. Your recruiter can provide more details about our total rewards and specific compensation ranges during the hiring process.
$49k-83k yearly est. 60d+ ago
Underwriter IV- Mortgage
JPMC
Underwriter Job In Columbus, OH
If you want to make valuable contributions to your team and expand your career and skills in mortgage underwriting, then an Underwriting position within JP Morgan Chase has a great opportunity for you. With highly supportive leadership and programs to foster growth and career mobility, your skills and capabilities can increase and be fine-tuned to make you more agile and versatile in reaching your career potential. In addition, you will communicate decision (approval, suspense, denial) to appropriate individuals within JPMorgan Chase, uphold fair lending practices of JPMorgan Chase Mortgage, meet targets for productivity, quality, and customer satisfaction, and perform second review of contract underwritten denials. As an Underwriter IV- Mortgage in the Consumer and Community Bank, you will be responsible for the analysis of underwriting file for Capacity, Capital, Character, Collateral, and Condition. You will also be responsible for the communication of the outcome of that analysis. This includes ensuring that loan request meets program and product specifications or counter-offer when appropriate. You must follow investor guidelines in the process to ensure compliance. Meet compliance and regulatory requirements. Job responsibilities Ensure that loan transaction meets investor assumption transfer of ownership guidelines Ensure that loan request meets program and product specifications or counter-offer, when appropriate Communicate decision of loan (approval, suspense, denial) to appropriate individuals within JPMorgan Chase Uphold fair lending practices of JPMorgan Chase Mortgage Meet productivity targets for productivity, quality, and customer satisfaction Contribute continually to the success of the business, customers, profitability and controls Contribute to the initiatives that improve our business Required qualifications, capabilities, and skills Minimum 3+ years Conventional mortgage underwriting experience Minimum 2+ years' Government mortgage underwriting experience HUD (US Department of Housing and Urban Development) Direct Endorsement (DE) and VA (Veteran Affairs) credit Expertise in Government, Agency and Jumbo guidelines as well as understanding of Government lending Demonstrated high productivity and quality in prior role in a consistent manor Demonstrates ability to work in a team, and coach/mentor others Strong verbal and written communication skills and strong analytical, decision making, and negotiation skills Preferred qualifications, capabilities, and skills Demonstrates understanding of the end to end origination and/or assumptions process flow Knowledge of Mortgage insurance policies Experience in creative solutions, exceptions justification, and customer focus This position is in office 5 days a week.
$46k-73k yearly est. 7d ago
On-Site Entry-Level Opportunities at CrossCountry Mortgage
Crosscountry Mortgage 4.1
Underwriter Job In Cleveland, OH
CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You'll get unwavering support from all departments and total transparency from the top down. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program. Overview: At CrossCountry Mortgage, we are committed to professional development. We invite you to apply and explore potential entry-level opportunities, on-site at our Cleveland, Ohio headquarters that may align with your skills and interests. Qualifications and Skills: * High School Diploma or equivalent. * Exceptional communication and customer service skills. * Advanced organizational skills and attention to detail. * Proficient with Microsoft Office (Word, Excel, Outlook). CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: *********************************** California residents: Please see CrossCountry's privacy statement for information about how CrossCountry collects and uses personal information about California applicants. CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual's association with a member of a protected group or any other characteristic protected by federal, state, or local law ("Protected Characteristics"). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit ***************************
$54k-66k yearly est. 7d ago
Underwriter IV- Mortgage
Jpmorgan Chase 4.8
Underwriter Job In Columbus, OH
If you want to make valuable contributions to your team and expand your career and skills in mortgage underwriting, then an Underwriting position within JP Morgan Chase has a great opportunity for you. With highly supportive leadership and programs to foster growth and career mobility, your skills and capabilities can increase and be fine-tuned to make you more agile and versatile in reaching your career potential. In addition, you will communicate decision (approval, suspense, denial) to appropriate individuals within JPMorgan Chase, uphold fair lending practices of JPMorgan Chase Mortgage, meet targets for productivity, quality, and customer satisfaction, and perform second review of contract underwritten denials. As an Underwriter IV- Mortgage in the Consumer and Community Bank, you will be responsible for the analysis of underwriting file for Capacity, Capital, Character, Collateral, and Condition. You will also be responsible for the communication of the outcome of that analysis. This includes ensuring that loan request meets program and product specifications or counter-offer when appropriate. You must follow investor guidelines in the process to ensure compliance. Meet compliance and regulatory requirements. **Job responsibilities** + Ensure that loan transaction meets investor assumption transfer of ownership guidelines + Ensure that loan request meets program and product specifications or counter-offer, when appropriate + Communicate decision of loan (approval, suspense, denial) to appropriate individuals within JPMorgan Chase + Uphold fair lending practices of JPMorgan Chase Mortgage + Meet productivity targets for productivity, quality, and customer satisfaction + Contribute continually to the success of the business, customers, profitability and controls + Contribute to the initiatives that improve our business **Required qualifications, capabilities, and skills** + Minimum 3+ years Conventional mortgage underwriting experience + Minimum 2+ years' Government mortgage underwriting experience + HUD (US Department of Housing and Urban Development) Direct Endorsement (DE) and VA (Veteran Affairs) credit + Expertise in Government, Agency and Jumbo guidelines as well as understanding of Government lending + Demonstrated high productivity and quality in prior role in a consistent manor + Demonstrates ability to work in a team, and coach/mentor others + Strong verbal and written communication skills and strong analytical, decision making, and negotiation skills **Preferred qualifications, capabilities, and skills** + Demonstrates understanding of the end to end origination and/or assumptions process flow + Knowledge of Mortgage insurance policies + Experience in creative solutions, exceptions justification, and customer focus This position is in office 5 days a week. Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. Equal Opportunity Employer/Disability/Veterans
$54k-72k yearly est. 11d ago
Mortgage Underwriter
LCNB National Bank 3.8
Underwriter Job In Lebanon, OH
Identifying Information: * Department: Credit - Mortgage Lending * Reports To: Patricia Nau, VP & Director of Mortgage Underwriting * Status: Full-time Hourly Non-Exempt * Hours: Monday - Friday 8:00am - 5:00pm Position Purpose: LCNB National Bank is seeking a Mortgage Underwriter within our Credit Mortgage Lending Department. This position is responsible for the daily tasks involved in reviewing residential FHA/VA/USDA/Conventional loan packages to deliver valid credit decisions according to investor and agency guidelines for specific loan programs. This ideal candidate will evaluate credit worthiness and borrowers' ability to qualify for a mortgage loan in the amount requested with the collateral desired based on investor and agency standards. Essential Functions and Responsibilities: * Complete analysis of loan packages to deliver valid credit decision * Determine if the loan file is eligible for funding according to investor and agency guidelines to which it is contracted * Determine if the loan file is eligible for insuring according to agency guidelines * Perform timely reviews of stipulations/conditions submitted * Review loan package as submitted by Loan Processor and provide loan approval with conditions to close * Collaborate to remove barriers and proactively bring issues to resolution with other members of the lending team * Work with shipping clerk on stipulation related issues and when necessary, assist in selling loans to investors * Keep up with changes in guidelines, legal, and other compliance related issues * Maintain open lines of communication with Loan Officers and Processors * Provide positive customer service to internal customers by effectively explaining credit decisions * Provide training, when appropriate, for Processors and Mortgage Loan Officers * Comprehend, retain and apply information as necessary to perform duties and responsibilities effectively * Additional duties as assigned Required Competencies/Skills: * 5+ years of experience underwriting FHA, VA, and Conventional Loans * Direct Endorsement from HUD, Lender Appraisal Processing Program LAPP approval, as well as full VA LAPP authority * Bachelor's or equivalent experience Desired Competencies/Skills: * Knowledge of retail lending concepts and principles, experience with personal financial and tax return analysis * Ability to accurately analyze financial data with high attention to detail * Ability to examine loan documentation for accuracy and completeness * Ability to read and interpret various investor and agency requirements and relate requirements to loan being underwritten * Ability to work effectively with loan originators and production staff to acquire all required documentation * Strong credit, risk analysis, and analytical skills * Excellent and effective oral and written communication skills with internal and external customers * Ability to understand the perspective of others before making decisions that will affect others * Ability to design and implement efficient and effective processes * Strong work ethic, self-motivated, agile learner * Knowledge and experience with industry-related software and programs, including but not limited to, Encompass, DU (Desktop underwriter), LP (Loan Prospector), and Microsoft Office Suites * Knowledge and familiarity with fraud detection techniques * Strong organizational, multi-tasking, and prioritizing skills to meet deadlines * Ability to exercise good judgment and effectively problem solve * Ability to work independently with a sense of urgency * Ability to work effectively in a team environment and across all organizational levels; where flexibility, collaboration and adaptability are important * Ability to work in a fast-paced high demand deadline driven environment * Ability to read, analyze and interpret policies, contracts, financial documents and other legal documents as needed Working Conditions: * Willingness to work on-site at stated location on the job opening, position may offer a hybrid work schedule * Ability to remain in a stationary position up to 75% of the time * Ability to lift and carry up to 10 lbs. * Occasionally move/traverse to access files and equipment * Constantly operates a computer and other office equipment Compliance Statement: The associate is responsible for meeting all compliance requirements imposed on LCNB National Bank by State and Federal law and regulations, as well as all related LCNB National Bank policies and procedures. Incumbent must be able to perform the essential functions of the position with or without reasonable accommodation. Equal Opportunity Employer/Disability/Veterans.
$42k-52k yearly est. 15d ago
CL Field Underwriter (Northern Ohio territory)
Grange Insurance 4.4
Underwriter Job In Youngstown, OH
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.
$40k-61k yearly est. 40d ago
On-Site Entry-Level Opportunities at CrossCountry Mortgage
Crosscountry Mortgage 4.1
Underwriter Job In Cleveland, OH
CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You'll get unwavering support from all departments and total transparency from the top down. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program. Overview: At CrossCountry Mortgage, we are committed to professional development. We invite you to apply and explore potential entry-level opportunities, on-site at our Cleveland, Ohio headquarters that may align with your skills and interests. Qualifications and Skills: High School Diploma or equivalent. Exceptional communication and customer service skills. Advanced organizational skills and attention to detail. Proficient with Microsoft Office (Word, Excel, Outlook). CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: *********************************** California residents: Please see CrossCountry's privacy statement for information about how CrossCountry collects and uses personal information about California applicants. CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual's association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit ***************************
$54k-66k yearly est. 2d ago
Underwriter IV- Mortgage
Jpmorgan Chase & Co 4.8
Underwriter Job In Columbus, OH
JobID: 210611735 JobSchedule: Full time JobShift: Day : If you want to make valuable contributions to your team and expand your career and skills in mortgage underwriting, then an Underwriting position within JP Morgan Chase has a great opportunity for you. With highly supportive leadership and programs to foster growth and career mobility, your skills and capabilities can increase and be fine-tuned to make you more agile and versatile in reaching your career potential. In addition, you will communicate decision (approval, suspense, denial) to appropriate individuals within JPMorgan Chase, uphold fair lending practices of JPMorgan Chase Mortgage, meet targets for productivity, quality, and customer satisfaction, and perform second review of contract underwritten denials. As an Underwriter IV- Mortgage in the Consumer and Community Bank, you will be responsible for the analysis of underwriting file for Capacity, Capital, Character, Collateral, and Condition. You will also be responsible for the communication of the outcome of that analysis. This includes ensuring that loan request meets program and product specifications or counter-offer when appropriate. You must follow investor guidelines in the process to ensure compliance. Meet compliance and regulatory requirements. Job responsibilities * Ensure that loan transaction meets investor assumption transfer of ownership guidelines * Ensure that loan request meets program and product specifications or counter-offer, when appropriate * Communicate decision of loan (approval, suspense, denial) to appropriate individuals within JPMorgan Chase * Uphold fair lending practices of JPMorgan Chase Mortgage * Meet productivity targets for productivity, quality, and customer satisfaction * Contribute continually to the success of the business, customers, profitability and controls * Contribute to the initiatives that improve our business Required qualifications, capabilities, and skills * Minimum 3+ years Conventional mortgage underwriting experience * Minimum 2+ years' Government mortgage underwriting experience * HUD (US Department of Housing and Urban Development) Direct Endorsement (DE) and VA (Veteran Affairs) credit * Expertise in Government, Agency and Jumbo guidelines as well as understanding of Government lending * Demonstrated high productivity and quality in prior role in a consistent manor * Demonstrates ability to work in a team, and coach/mentor others * Strong verbal and written communication skills and strong analytical, decision making, and negotiation skills Preferred qualifications, capabilities, and skills * Demonstrates understanding of the end to end origination and/or assumptions process flow * Knowledge of Mortgage insurance policies * Experience in creative solutions, exceptions justification, and customer focus This position is in office 5 days a week.
$54k-72k yearly est. 13d ago
Mortgage Underwriter
Lcnb National Bank 3.8
Underwriter Job In Lebanon, OH
Identifying Information: Department: Credit - Mortgage Lending Reports To: Patricia Nau, VP & Director of Mortgage Underwriting Status: Full-time Hourly Non-Exempt Hours: Monday - Friday 8:00am - 5:00pm Position Purpose: LCNB National Bank is seeking a Mortgage Underwriter within our Credit Mortgage Lending Department. This position is responsible for the daily tasks involved in reviewing residential FHA/VA/USDA/Conventional loan packages to deliver valid credit decisions according to investor and agency guidelines for specific loan programs. This ideal candidate will evaluate credit worthiness and borrowers' ability to qualify for a mortgage loan in the amount requested with the collateral desired based on investor and agency standards. Essential Functions and Responsibilities: Complete analysis of loan packages to deliver valid credit decision Determine if the loan file is eligible for funding according to investor and agency guidelines to which it is contracted Determine if the loan file is eligible for insuring according to agency guidelines Perform timely reviews of stipulations/conditions submitted Review loan package as submitted by Loan Processor and provide loan approval with conditions to close Collaborate to remove barriers and proactively bring issues to resolution with other members of the lending team Work with shipping clerk on stipulation related issues and when necessary, assist in selling loans to investors Keep up with changes in guidelines, legal, and other compliance related issues Maintain open lines of communication with Loan Officers and Processors Provide positive customer service to internal customers by effectively explaining credit decisions Provide training, when appropriate, for Processors and Mortgage Loan Officers Comprehend, retain and apply information as necessary to perform duties and responsibilities effectively Additional duties as assigned Required Competencies/Skills: 5+ years of experience underwriting FHA, VA, and Conventional Loans Direct Endorsement from HUD, Lender Appraisal Processing Program LAPP approval, as well as full VA LAPP authority Bachelor's or equivalent experience Desired Competencies/Skills: Knowledge of retail lending concepts and principles, experience with personal financial and tax return analysis Ability to accurately analyze financial data with high attention to detail Ability to examine loan documentation for accuracy and completeness Ability to read and interpret various investor and agency requirements and relate requirements to loan being underwritten Ability to work effectively with loan originators and production staff to acquire all required documentation Strong credit, risk analysis, and analytical skills Excellent and effective oral and written communication skills with internal and external customers Ability to understand the perspective of others before making decisions that will affect others Ability to design and implement efficient and effective processes Strong work ethic, self-motivated, agile learner Knowledge and experience with industry-related software and programs, including but not limited to, Encompass, DU (Desktop underwriter), LP (Loan Prospector), and Microsoft Office Suites Knowledge and familiarity with fraud detection techniques Strong organizational, multi-tasking, and prioritizing skills to meet deadlines Ability to exercise good judgment and effectively problem solve Ability to work independently with a sense of urgency Ability to work effectively in a team environment and across all organizational levels; where flexibility, collaboration and adaptability are important Ability to work in a fast-paced high demand deadline driven environment Ability to read, analyze and interpret policies, contracts, financial documents and other legal documents as needed Working Conditions: Willingness to work on-site at stated location on the job opening, position may offer a hybrid work schedule Ability to remain in a stationary position up to 75% of the time Ability to lift and carry up to 10 lbs. Occasionally move/traverse to access files and equipment Constantly operates a computer and other office equipment Compliance Statement: The associate is responsible for meeting all compliance requirements imposed on LCNB National Bank by State and Federal law and regulations, as well as all related LCNB National Bank policies and procedures. Incumbent must be able to perform the essential functions of the position with or without reasonable accommodation. Equal Opportunity Employer/Disability/Veterans.
$42k-52k yearly est. 13d ago