Underwriter Jobs in Rhode Island

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

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

Introduction At Risk Placement Services, we're more than just a team - we thrive on collaboration, creativity, and tackling challenges head-on. Our culture fosters an environment where every idea counts, and every individual's contribution matters. Step into a world of excitement and innovation as we work with top-rated carriers to design robust coverage for our clients. Unleash your potential and join our spirited team, where you'll have the freedom to explore and the support to grow. We believe that every candidate brings something special to the table, including you! So, even if you feel that you're close but not an exact match, we encourage you to apply. How you'll make an impact * Underwrites individual insurance applications to cover property and casualty with guidelines set for the issuance of policies on a standard or substandard basis. * Determines whether to accept, modify or decline a risk through evaluation of the property's value, location, usage, and safety features, and other information pertinent to the decision. * Has frequent contact with field to gather information on which to base and defend underwriting decisions. * Does not have any assigned Production goals. About You Required: Bachelor's degree and 5 years related experience required. Working knowledge of Microsoft Windows applications and Microsoft Office. Preferred: Behaviors: Assignments are broad in nature and usually require originality and ingenuity. Compensation and benefits On top of a competitive salary, great teams and exciting career opportunities, we also offer a wide range of benefits. Below are the minimum core benefits you'll get, depending on your job level these benefits may improve: * Medical/dental/vision plans, which start from day one! * Life and accident insurance * 401(K) and Roth options * Tax-advantaged accounts (HSA, FSA) * Educational expense reimbursement * Paid parental leave Other benefits include: * Digital mental health services (Talkspace) * Flexible work hours (availability varies by office and job function) * Training programs * Gallagher Thrive program - elevating your health through challenges, workshops and digital fitness programs for your overall wellbeing * Charitable matching gift program * And more... We value inclusion and diversity Click Here to review our U.S. Eligibility Requirements and Pay Disclosure Statement Inclusion and diversity (I&D) is a core part of our business, and it's embedded into the fabric of our organization. For more than 95 years, Gallagher has led with a commitment to sustainability and to support the communities where we live and work. Gallagher embraces our employees' diverse identities, experiences and talents, allowing us to better serve our clients and communities. We see inclusion as a conscious commitment and diversity as a vital strength. By embracing diversity in all its forms, we live out The Gallagher Way to its fullest. Gallagher believes that all persons are entitled to equal employment opportunity and prohibits any form of discrimination by its managers, employees, vendors or customers based on race, color, religion, creed, gender (including pregnancy status), sexual orientation, gender identity (which includes transgender and other gender non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or military status, citizenship status, or any other characteristic protected (herein referred to as "protected characteristics") by applicable federal, state, or local laws. Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. In addition, Gallagher will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.

At Citizens, we're more than a bank. As part of our team, you're made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself. As the Home Equity Underwriter II, you will be responsible for rendering quality credit decisions on complicated new HELOC applications, using your data analysis, problem-solving skills, and knowledge of the Consumer Lending credit policy and regulatory guidelines. You are responsible for reviewing all required documentation deemed necessary to determine the credit decision is valid and in line with underwriting policies. You will demonstrate sound judgment and communication skills while making decisions to mitigate risk for Citizens. Most importantly, you'll feel valued for who you are and supported to achieve what's important to you, personally and professionally! Primary responsibilities include + Analyze and appropriately decision Home Equity Line of Credit applications in accordance with the Consumer Lending credit policy and regulatory guidelines (including the Fair Credit Reporting Act and Equal Credit Opportunity Act). + Ensure material information captured in the application is accurate and updated as needed based on the documentation provided. + Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making. + Meet or exceed productivity levels and credit quality standards, as established. + Analyze and interpret POI documents, including complicated personal and business tax returns/K1's, in order to determine verifiable income in an effort to verify a customer's ability to repay the loan. Clearly document files with the methodology used to calculate the income. + Analyze all applications for counteroffer opportunities when the original terms requested do not qualify. Qualifications, Education, Certifications and/or Other Professional Credentials + Three to five years related underwriting experience. + Home Equity lending and processing experience preferred. + Demonstrated knowledge of equity lending policies, procedures, and products, as well as knowledge of secondary market guidelines. + Must be organized, detail-oriented and have excellent interpersonal, communication and computer skills. + Experience with automated systems. + Proficiency with the system is essential. Attendance in office during normal business hours (at minimum) may be required in order to effectively coordinate with multiple departments, projects and outside entities. + Ability to work well with retail sales and loan officers. + Demonstrated ability to analyze and evaluate complex income calculations. + Desire to work in a fast-paced production environment. Hours & Work Schedule + Hours per Week: 40 + Work Schedule: Monday- Friday Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens), provides equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability, or history or record of a disability, ethnicity, gender, gender identity or expression, transgendered and transitioning individuals, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day and where all are expected to be treated with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. We perform our best so we can do more for our customers, colleagues, communities and shareholders. Why Work for Us At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information. 04/02/2025

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

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

WHAT IS THE OPPORTUNITY? The role of the Underwriter III is to evaluate the credit risk against company standards and to determine the borrower's ability to repay a residential mortgage. The Underwriter III analyzes and interprets the most complex financial and non-financial data decisioning the requests with the goal of achieving the optimal quality asset for the bank while satisfying the needs of borrower. The Underwriter III is also responsible for LLCs along with other complex borrower types. The Underwriter III works within established lending authorities and guidelines, with complex or unusual situations escalated to the next highest authority level for resolution. This includes mentoring and training of Underwriters I and II including second level reviews. What you will do * Reviews the loan package received to ensure completeness verifying that all supporting documents are included to make a credit decision per established policies * Identifies issues and recommends appropriate resolution within policy service level agreements * Analyzes and determines the financial capacity of the borrower's ability to repay: * Performs credit analysis, financial statement analysis, cash flow analysis, liquidity qualification and payment calculation spreads * Reviews for stability of residency and employment * Verifies income per established policy * Identifies any exceptions to current policies * Documents a reasonable conclusion mitigating any identified risks supporting the request will be repaid * Accurately sets and clears conditions * Interacts with RLC and Processor throughout the life cycle of the loan, providing information, updates and assistance as required * Updates System(s) with pertinent information and appropriate data as required * Renders a decision within his/her lending authority. If deal is outside of lending authority, provides a recommended decision and submits for appropriate level signing authority * Originates appropriate client letters; Commitment, Counter Offer, Declination * Certifies and provides a final Workbook to the Processor * Ensures compliance with bank and statutory/regulatory guidelines * Client Satisfaction * Promotes a team environment fostering a positive working environment * Functions as a collaborator and innovator to drive continuous improvement * Provides guidance and support to the RLC and Processor when required * Utilizes systems and tools to ensure that the RLC's are updated on the status of loans * Interacts and communicates daily with all levels as required to support business units, Processors, Funding/Doc Prep to ensure requirements are understood and met * Provides timely, complete and accurate response to inquiries * Handles all situations in a professional and ethical manner * Takes the lead in resolving problems for his/her own loans; assisting Underwriters I and II with resolutions * Supports and contributes to the quality and customer satisfaction goals of the bank * Productivity * Ensures all goals and service level agreements (SLAs) are met * Tracks, logs and provides daily, weekly, monthly, quarterly reporting of production statistics as defined by management * Consistently meets quality control and data integrity standards * Effectively utilizes available systems, workflow and imaging tools * Mentor and train Underwriters I and II * 2nd level review of Underwriters I and IIs' work * Performs other duties as assigned by Management, including participation in projects, process improvement initiatives, etc. *Must-Have** * Minimum 7 years of experience as an Underwriter in a financial services or mortgage banking environment required. * Minimum 7 years of experience in jumbo and super jumbo underwriting to investor or organization's guidelines required * Minimum 7 years of experience with state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.). *Skills and Knowledge* * Bachelor's degree in Business, Finance or Economics or related discipline with 10 or more years of experience in a mortgage banking environment required * Familiar with FNMA/FHLMC guidelines * Computer literate with experience using Microsoft applications with mortgage industry standard software, preferably InterLink E3 or NetOxygen/Gallagher. * Superior ability to communicate effectively in both verbal and written form * Strong time management skills to plan and organize a high daily loan volume * Strong ability to be very detail oriented * Must be a team player and work constructively with their fellow colleagues * Specific knowledge and exposure to funding and loan documentation to resolve more complex situations such as occur with LLC's, irrevocable trusts, and Co-operatives *Compensation* Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. **To be considered for this position you must meet at least these basic qualifications* The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our **************************************************************************************************** *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.' ABOUT CITY NATIONAL We start with a basic premise: Business is personal. Since day one we've always gone further than the competition to help our clients, colleagues and community flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues to drive phenomenal growth today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies.

At Citizens, we're more than a bank. As part of our team, you're made ready for a fulfilling career with exciting new challenges and opportunities to stretch yourself. As the Home Equity Underwriter II, you will be responsible for rendering quality credit decisions on complicated new HELOC applications, using your data analysis, problem-solving skills, and knowledge of the Consumer Lending credit policy and regulatory guidelines. You are responsible for reviewing all required documentation deemed necessary to determine the credit decision is valid and in line with underwriting policies. You will demonstrate sound judgment and communication skills while making decisions to mitigate risk for Citizens. Most importantly, you'll feel valued for who you are and supported to achieve what's important to you, personally and professionally! Primary responsibilities include * Analyze and appropriately decision Home Equity Line of Credit applications in accordance with the Consumer Lending credit policy and regulatory guidelines (including the Fair Credit Reporting Act and Equal Credit Opportunity Act). * Ensure material information captured in the application is accurate and updated as needed based on the documentation provided. * Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making. * Meet or exceed productivity levels and credit quality standards, as established. * Analyze and interpret POI documents, including complicated personal and business tax returns/K1's, in order to determine verifiable income in an effort to verify a customer's ability to repay the loan. Clearly document files with the methodology used to calculate the income. * Analyze all applications for counteroffer opportunities when the original terms requested do not qualify. Qualifications, Education, Certifications and/or Other Professional Credentials * Three to five years related underwriting experience. * Home Equity lending and processing experience preferred. * Demonstrated knowledge of equity lending policies, procedures, and products, as well as knowledge of secondary market guidelines. * Must be organized, detail-oriented and have excellent interpersonal, communication and computer skills. * Experience with automated systems. * Proficiency with the system is essential. Attendance in office during normal business hours (at minimum) may be required in order to effectively coordinate with multiple departments, projects and outside entities. * Ability to work well with retail sales and loan officers. * Demonstrated ability to analyze and evaluate complex income calculations. * Desire to work in a fast-paced production environment. Hours & Work Schedule * Hours per Week: 40 * Work Schedule: Monday- Friday Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance. Equal Employment Opportunity Citizens, its parent, subsidiaries, and related companies (Citizens), provides equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability, or history or record of a disability, ethnicity, gender, gender identity or expression, transgendered and transitioning individuals, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens we are committed to fostering an inclusive culture that enables colleagues to bring their best selves to work every day and where all are expected to be treated with respect and professionalism. Employment decisions are based solely on experience, performance, and ability. We perform our best so we can do more for our customers, colleagues, communities and shareholders. Background Check Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information. Benefits We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. View Benefits Awards We've Received Dave Thomas Foundation's Best Adoption-Friendly Workplace Disability Equality Index Best Places to Work for People with Disabilities Fair360 Top Regional Company FORTUNE's World's Most Admired Companies Human Rights Campaign Corporate Equality Index 100 Award Military Friendly Employer Age-Friendly Institute's Certified Age-Friendly Employer Bloomberg Gender Equality Index, Standout Forbes America's Best Large Employers

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

Our client premier one-stop resource for local government entities, offering top-tier risk management, insurance programs, and loss prevention services. We are looking for an Employee Benefits Underwriting Consultant to provide technical, analytical, and strategic support for our Health and Dental Pools. What You ll Do: Assist in underwriting Member premiums by preparing and maintaining spreadsheets with enrollment and claims data. Monitor and analyze claim trends to drive informed decision-making. Prepare and ensure accuracy of Member renewal documents and communications. Create charts, tables, and graphs for internal and external use. Conduct research on Healthcare Reform updates and legal requirements at the Federal and State levels. Provide direct support to Member entities and individual subscribers, responding to inquiries and resolving issues. What You Bring: Bachelor s degree in Mathematics, Actuarial Science, Finance, or Business Administration. 5+ years of experience in healthcare underwriting with strong analytical skills. Knowledge of health and dental insurance underwriting and benefit administration. Proficiency in Microsoft Excel and Office Suite. Strong written and verbal communication skills. Ability to work independently in a dynamic, evolving work environment. Valid driver s license required for occasional travel within Rhode Island. Why Join Us Be part of a highly respected, Member-focused organization. Work in an engaging environment where risk management meets innovation. Enjoy a collaborative team culture and opportunities for professional growth. Apply today and make an impact in the world of employee benefits and risk management!

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

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

Brown University Health Risk Services is organized and operated for the purpose of coordinating insurance administrative loss prevention and claims functions for Brown University Health. Under the supervision of the LRS Director of Insurance and Business Operations position requires a variety of business and customer service duties to support LRS internal and external customers. Requires working with Director the Insurance Underwriting Coordinator (Coordinator) will develop and maintain an intimate knowledge of the Brown University Health s self-insurance and commercial program and processes. Responsibilities include: working with internal and external customers to complete commercial insurance renewal applications; u working with medical physician group managers to accurately maintain clinical staff underwriting information in the LRS policy management system; coordinate and complete insurance certificates and claim history requests; provide LRS claims systems support; coordinate and maintain insurance records and files; assist the Sr. Business Analyst with daily cash reconciliations and other financial tracking and analysis support; and assist with a variety of other administrative support services. Responsibilities: Brown University Health employees are expected to embrace Brown University Health's mission of "Delivering health with care" and successfully role model Brown University Health's values of Compassion Accountability Respect and Excellence as this guides our everyday actions with patients customers and one another. Responsible for coordinating the commercial insurance and self-insurance applications process which includes maintaining the insurance renewal calendar; working cooperatively with other Brown University Health departments and affiliates to gather information; corresponding and exchanging information with Brown University Health s insurance broker and actuary; preparing and reviewing application submissions with Director; and submitting insurance applications and processing insurance invoices in a timely manner. Work with the insurance broker to track and maintain policies and documentation. On an on-going basis throughout the year Coordinator will maintain excel spreadsheets which are used for manager s reference and application submissions. Utilizing Brown University Health s underwriting/policy management system coordinate the renewal Brown University Health Malpractice Plan (LMP) application process for your assigned affiliated medical physician groups (MPG). Coordinator will work with MPG s business or practice manager(s) to ensure physician applications and underwriting changes are completed and documentation is delivered to the manager(s) in a timely manner. Coordinate LMP and RISE policies and documentation. Ensure the latest versions for all policies and documentation are maintained and organized - in an easy to find user friendly manner - on LRS shared drive. Ensure latest forms are synchronized with versions maintained with Brown University Health s outside general counsel and the underwriting/policy management system. Coordinator will assist the Sr. Business Analyst with daily cash reconciliations and other financial tracking and analysis support. Trained by the Sr. Business Analyst the coordinator will assist with some underwriting/policy management system administrator functions including working with the vendor to update latest forms in the system as needed. Prepare and provide LMP claim history experience and coverage related documents for both physician and hospital insureds in response to inquiries by current past and future physician and hospital insureds. Must be familiar with the coverage provided by Brown University Health s liability insurance plans. Coordinator must also be familiar with the LRS claims system so that required information can be accessed independently and reports generated. Work closely with LRS claims system administrator as needed. Run claims reports for various purposes including malpractice loss histories data validation reports quarterly & bordereau reports to the excess insurance carriers annual actuarial submission and annual captive insurance meetings regarding summaries of claims activity and financial results. Upload accounts payable legal bills interface into the claims system on a weekly basis. Provide backup administrative phone triage support for Risk Management and LRS and assist with constable summons and complaint server deliveries. Be familiar with Brown University Health s organizational structure its business its insurance program and its claims and underwriting/policy management systems. As directed participate in special projects requiring knowledge of department and organization. Must be able to utilize software programs such as Microsoft Word Outlook and Excel.. May assume regular responsibilities for recurring projects or programs requiring knowledge of department or corporate operations and the use of independent judgment. Perform other related duties as required. Other information: BASIC KNOWLEDGE: Associates Degree in business secretarial or related field or the equivalent. Strong knowledge of Microsoft PC Word Excel and Outlook software applications required. Requires excellent organizational and detail management skills and ability to communicate effectively with a variety of customers including physicians and Brown University Health leadership. Must have a positive attitude a commitment to customer service and ability to prioritize multiple tasks. EXPERIENCE: At least five years experience demonstrating strong analytical and excel skills and customer service and business support functions. Experience in an insurance finance environment or customer service preferred. Requires excellent organizational and detail management skills and ability to communicate effectively with a variety of customers including physicians and administrative leadership. Strong knowledge of Personal Computers with proficiency in Microsoft Office especially Excel. WORK ENVIRONMENT AND PHYSICAL REQUIREMENTS: Professional office environment. Work on computer for extended periods of time. INDEPENDENT ACTION: Work is performed under general supervision but the individual must be comfortable working independently and using independent judgment in a busy office environment. The individual refers specific problems to the LRS Director Insurance & Business Operations where clarification of departmental policies and procedures may be required. SUPERVISORY RESPONSIBILITY: None. Brown University Health is an Equal Opportunity / Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race color religion sex national origin age ethnicity sexual orientation ancestry genetics gender identity or expression disability protected veteran or marital status. Brown University Health is a VEVRAA Federal Contractor. Location: Lifespan Risk Services USA:RI:Providence Work Type: Full Time Shift: Shift 1 Union: Non-Union

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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.

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

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

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