Commercial lines manager jobs near me - 213 jobs

A leading risk management firm in Chicago is seeking an Executive Underwriter/AVP, Underwriting Director in Commercial Surety. This technically focused role involves account management, business development, and complex analysis. Candidates should possess strong financial skills, excellent communication, and proven negotiation expertise. The position offers a competitive salary range of $98,500 - $215,000, based on level and experience. Join a supportive environment that values growth and inclusion. #J-18808-Ljbffr

Godot Consulting Group is excited to announce an opening for a National Commercial Underwriting Counsel/Underwriter. This position involves working with clients on complex commercial real estate transactions, providing legal expertise in underwriting and risk assessment. The ideal candidate will have extensive experience in title insurance, commercial real estate law, and a deep understanding of the underwriting process. At Godot Consulting Group, we aim to connect talented individuals with career opportunities that allow them to shine in their fields. Responsibilities Advise clients on the legal aspects of title insurance and underwriting for commercial transactions Conduct thorough reviews of title reports, surveys, and related documents to identify potential issues Collaborate with clients, underwriters, and legal teams to develop solutions for complex transactions Provide timely and accurate underwriting decisions and guidance Assist in the development and implementation of underwriting guidelines and policies Maintain strong relationships with clients and stakeholders in the real estate industry Stay updated with industry trends, regulations, and best practices related to title insurance and commercial real estate Requirements 5+ years of experience specifically in commercial real estate and title insurance underwriting Strong knowledge of title insurance products and the underwriting process Excellent analytical, negotiation, and communication skills Ability to work in a fast-paced environment with multiple stakeholders Strong attention to detail and problem-solving abilities Familiarity with industry standards and legal regulations surrounding title insurance Proficient in relevant software and Microsoft Office applications. Benefits Health Care Plan (Medical, Dental & Vision) Retirement Plan (401k, IRA) Life Insurance (Basic, Voluntary & AD&D) Paid Time Off (Vacation, Sick & Public Holidays) Family Leave (Maternity, Paternity) Work From Home

Come build at the intersection of AI and fintech. At Ocrolus, we're on a mission to help lenders automate workflows with confidence-streamlining how financial institutions evaluate borrowers and enabling faster, more accurate lending decisions. Our AI-powered data and analytics platform is trusted at scale, processing nearly one million credit applications every month across small business, mortgage, and consumer lending. By integrating state-of-the-art open- and closed-source AI models with our human-in-the-loop verification engine, Ocrolus captures data from financial documents with over 99% accuracy. Thanks to our advanced fraud detection and comprehensive cash flow and income analytics, our customers achieve greater efficiency in risk management, and provide expanded access to credit-ultimately creating a more inclusive financial system. Trusted by more than 400 customers-including industry leaders like Better Mortgage, Brex, Enova, Nova Credit, PayPal, Plaid, SoFi, and Square-Ocrolus stands at the forefront of AI innovation in fintech. Join us, and help redefine how the world's most innovative lenders do business. We are seeking an experienced Mortgage Underwriter to join our team as a contractor. This role will draw on deep underwriting expertise-including comprehensive knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines-to perform continuous testing on our mortgage products. The successful candidate will have hands-on experience interpreting and analyzing income, asset, credit, AUS, and collateral documentation, applying underwriting rules, performing income calculations and creating conditions. Leveraging this expertise, the Mortgage Underwriter will partner closely with the Sales and Product teams to identify and support product improvements and new feature development. What you'll do: Product Testing Apply advanced knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines to rigorously test mortgage underwriting tools and validate accuracy. Review borrower documentation (income, assets, credit, collateral, AUS findings) and confirm the correct application of underwriting rules within the product, such as income calculator output. Document test results thoroughly, flag discrepancies, and recommend solutions to ensure compliance with agency and investor standards. Serve as the subject matter expert on underwriting practices, providing clarity and context to both technical and non-technical teams. Collaboration & Communication Translate complex underwriting requirements into clear and simple language and communicate effectively to stakeholders, both written and verbal. Partner closely with Product to share enhancement opportunities. Provide ongoing SME input to the Sales team. Communicate findings and recommendations effectively to both leadership and cross-functional stakeholders, ensuring alignment across teams. Who we're looking for: (Skill Sets and Qualifications): 3+ years of mortgage underwriting experience, including FHA and VA. Skilled in reviewing borrower documentation (e.g., W-2s, tax returns, pay stubs, self-employment income, appraisal, title, etc). Strong expertise in income analysis, credit evaluation, and AUS findings. Experience testing technology products or tools is a plus. Tech-savvy with ability to critique mortgage software and explain findings clearly. Excellent documentation, prioritization, and communication skills. Preferred Qualifications: Experience with fintech or SaaS mortgage tools. Familiarity with automated income calculation or verification platforms. Exposure to agile product development environments. Note: The role requires 4-8 hours of work per day with compensation of $50 per hour. Life at Ocrolus We're a team of builders, thinkers, and problem solvers who care deeply about our mission - and each other. As a fast-growing, remote-first company, we offer an environment where you can grow your skills, take ownership of your work, and make a meaningful impact. Our culture is grounded in four core values: Empathy - Understand and serve with compassion Curiosity - Explore new ideas and question the status quo Humility - Listen, be grounded, and remain open-minded Ownership - Love what you do, work hard, and deliver excellence We believe diverse perspectives drive better outcomes. That's why we're committed to fostering an inclusive workplace where everyone has a seat at the table, regardless of race, gender, gender identity, age, disability, national origin, or any other protected characteristic. We look forward to building the future of lending together.

TITLE: SR. COMMERCIAL LOAN UNDERWRITER STATUS: NON-EXEMPT DEPARTMENT: BUSINESS SERVICES REPORTS TO: DIRECTOR, BUSINESS LENDING PAY SCALE: $53.74 - $70.00 HOURLY GENERAL DESCRIPTION: Responsible for the evaluation of commercial loan applications to determine credit risks have been appropriately identified and mitigated, in compliance with applicable state and federal regulations, and credit union standards. Review and analyze submitted loans for capacity, capital, character, and condition while upholding fair lending practices. This includes ensuring that loan requests meet program and product specifications or counteroffer to a product and/or program when appropriate. Communicate well supported recommendation (approval, counteroffer, suspense, denial) to applicable approver within the department. TASKS, DUTIES, FUNCTIONS: Underwrite commercial and industrial, commercial real estate, and small business loan requests and generate approval memorandums adhering to Credit Union policy and procedures. Enter financial figures into appropriate programs to generate ratios and examine data to determine credit worthiness. Compare items such as liquidity and profitability with other companies of same industry, size, and geographic location for commercial customers. Coordinate with Commercial Loan Officers with the loan process by analyzing the current credit and financial information of individuals or firms (e.g., credit reports, tax returns, financial statements, etc.) to determine the degree of risk involved in extending credit. Use independent judgment to identify risks and mitigants, prepare offerings and/or scorecards, such as risk ratings, by analyzing credit, collateral strength, and financial worthiness of loan/transaction parties. If relevant, performs ongoing credit risk management for assigned portfolio. Uphold a thorough understanding of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws appropriate to the position. Ability to analyze tax returns, credit and appraisal reports, fraud detection and other property or income related reports and documentation to ensure that information meets agency and credit union requirements. Organize and prioritize daily workload to ensure compliance to credit union policy, procedures, and established turnaround times. Cross Train to support other underwriting and credit analyst positions as needed. Interact with management to implement procedures to prioritize work within the underwriting and processing area as volume dictates. Evaluate Commercial Loan Guidelines to ensure they are aligned with the risk appetite of Golden 1 Credit Union as evidenced by the portfolio's performance. Ability to execute independent judgement on key decisions impacting the business lending unit. Support supervisor or manager with training of staff members. Performs other duties as assigned. PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASKS: Effective oral and written communication skills required to interact with members, staff, vendors, servicers, and various regulatory agencies. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine and telephone. ORGANIZATIONAL CONTACTS & RELATIONSHIPS: INTERNAL: All levels of Staff/Management/Members/Third Parties. EXTERNAL: Member Applicants and their related agents such as their CPA or Broker. QUALIFICATIONS: EDUCATION: Bachelor's degree or equivalent experience. EXPERIENCE: 7-10 years minimum of commercial loan experience with a financial or banking institution performing underwriting or credit analysis functions. KNOWLEDGE/SKILLS: Experiential knowledge of commercial lending requirements, all commercial loan products, commercial loan fulfillment, credit union policies and all applicable federal and state laws and regulations. Current working knowledge of Commercial Real Estate and Commercial and Industrial lending. Exceptional member service and member relations skills. Exceptional oral and written communication skills. Ability to manage multiple tasks and demands, to work independently with minimal supervision, and to meet deadlines and effectively adjust to changing priorities. Strong analytical, organizational skills and attention to detail. Understand the use of the automated loan origination system. Operate on standard Microsoft programs and other computer operations. Knowledge of generally accepted accounting principles. Demonstrated ability to work independently and interact collaboratively and cultivate partnerships across the organization. Ability to effectively communicate policy/procedures to staff to assist the supervisor and or manager with training. PHYSICAL REQUIREMENTS: Prolonged sitting throughout the workday with occasional mobility required. Corrected vision within the normal range. Hearing within normal range. A device to enhance hearing will be provided if needed. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc. Ability to travel for business, as needed. May include overnight scheduling. Occasional long work hours may be required to accomplish tasks. LICENSES/CERTIFICATIONS: #LI-Remote Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. THIS PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE'S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION'S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME. REV. 1/9/2026

**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 170 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** $89,800.00 - $148,300.00 **Target Openings** 1 **What Is the Opportunity?** Inland Marine provides protection for business properties that are mobile in nature or require unique valuation. Coverages extend to properties that are owned or in a business's care related to construction, transportation, fine art, and renewable energy. The Account Executive (AE), Inland Marine will partner with agents and brokers to provide coverage for new and renewal business based on customers' needs. As an AE, you are decisive, detail-oriented, and know how to build relationships internally and externally to drive results. Your ability to assess risk and sell our products will contribute to the profitability and success of Travelers. **What Will You Do?** + Manage the profitability, growth, and retention of an assigned book of business. + Underwrite and skillfully negotiate customer accounts to minimize risk and maximize profitability. + Cultivate and maintain relationships with internal partners within the business unit and across the enterprise to create sales plans and identify cross-selling opportunities. + Foster and maintain relationships with external partners by regularly meeting in person with agents and brokers to market and sell Travelers products with a goal of writing and retaining accounts consistent with our risk appetite. Must be able to travel to such meetings. + Identify and capture new business opportunities using consultative marketing and sales skills. + Develop and execute agency sales plans. Execute region/group sales plans. + Perform other duties as assigned. **What Will Our Ideal Candidate Have?** + Bachelor's degree. + Three to five years of relevant underwriting experience with experience in inland marine. + Knowledge of inland marine products, the regulatory environment, and the local insurance market. + Strong critical thinking skills with the ability to proactively identify underwriting, marketing, or financial challenges and analyze available information to make timely decisions in alignment with our risk appetite. + Communication skills with the ability to successfully negotiate with agents and brokers. + CPCU designation. **What is a Must Have?** + Two years of underwriting, claim, operations, risk assessment, actuarial, sales, product, or finance 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 ******************************************************** .

At DUAL North America, our core values dictate how we live and work. We are a group with independence and people at its heart and we are a home for talent with a unique culture: the biggest small company in the world. The focus on being a People First business has always been at the very heart of the Group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the Group has been and will continue to be key. DUAL North America, Inc. is seeking a Associate Underwriter E&S Commercial Auto Classification: Exempt/Full-Time Reports to: Underwriter or above Travel: 0-10% Salary: $60,000 to $80,000 Location: United States, Hybrid/Remote Role overview DUAL North America is seeking an Associate Underwriter for the Commercial Auto Division. At DUAL, Associate Underwriters play a key supportive role through the risk underwriting process and expansion of broker relationships. In this role, you will assist with account underwriting, quoting and binding, prepare and distribute various types of communications, and provide quality customer service through the underwriting life cycle. Supporting a team of underwriters within the Commercial Auto Division, you will assist underwriters by processing auto liability, physical damage, and cargo submissions, coordinating with brokers and insureds to clarify exposures, and facilitating efficient issuance of quotes and binders for commercial vehicle fleets. Role responsibilities Process submissions by providing account triage for Underwriters. Provide backup support for Underwriters when traveling in the market. Gather and compile information required to quote and/or bind an account through communication and/or correspondence with producers. Generate, edit, and send out a variety of correspondence on behalf of the Underwriters such as declination letters, quote follow ups and subjectivity reminders. Demonstrate basic understanding of technical underwriting principles and risk underwriting characteristics. Learn market dynamics, competitive landscape, and product differences (attend weekly underwriting meetings if applicable, ask questions) - need to understand what business is selling (understanding why deals are lost and adjusting accordingly). Provide customer service and underwriting support to help achieve new and renewal premium goals. Build relationships with producers with supervision from more senior underwriters. Fill in for other team members to ensure business continuity during peak periods and/or when team members are unavailable. Assist Underwriters as requested. Complete other related clerical and administrative duties as assigned. Complete other various projects and tasks as assigned. Underwriting Authority: Working towards Underwriting Authority, but does not have it yet. Quote issuance as approved by underwriter(s) with appropriate level of authority. Binder issuance as approved by underwriter(s) with appropriate level of authority. Policy Issuance review. Conduct inspection, review, and analysis resulting in appropriate issue identification, and process post inspection changes as necessary. Key requirements Bachelor's degree in risk management, finance, business or a related field preferred. 0-2 years experience as an associate underwriter, underwriter, or relevant insurance experience. Foundational knowledge of insurance principles. Proficiency in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint). Ability to follow policies and procedures. Complete assigned tasks correctly, on time and able to learn quickly. Self-motivated and demonstrating attention to detail. Be able to work independently for extended periods. Excellent written and verbal communication skills as well as general business understanding. Travel up to 10% with an underwriter to shadow and participate in interactions between Underwriters and brokers. Must be able to remain in a stationary position 50% of the time, with occasional movement in the office to access cabinets and equipment. If you do not meet all the qualifications for this role, we still encourage you to apply, as we are always looking for diverse talent to join our growing team. About DUAL Working across 21 countries, DUAL has built a reputation as a specialist underwriting group and the market of choice for insurance intermediaries around the world. That's how we have become one of the world's largest international underwriting agencies (or MGAs) with US$3.5bn of GWP. DUAL North America is the leading underwriting organization in the US offering commercial property, casualty, financial lines, and personal property insurance products underwritten through several specialized subsidiaries. Since 2013, we have grown to over 650 employees in 14 offices across the US, and we are continuing to grow. DUAL is part of Howden, an international insurance group with employee ownership at its heart. The group was founded in 1994 and now has divisions in broking and underwriting, operates in 55 territories and employs over 19,000 people handling US$42bn of premium on behalf of clients. What do we offer in return? A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more. What you might not expect is a job where everyone has a voice, where volunteering in the community is part of the day job, and where everyone is encouraged to play a part towards our sustainability goals. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community. Our culture: people first Our core values dictate how we live and work. We're a group with independence and people at its heart and we're a home for talent with a unique culture: the biggest small company in the world. The focus on being a people-first business has always been at the very heart of the group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the group has been and will continue to be key. Diversity and inclusion At DUAL, we consider our people our chief competitive advantage and, as such, we treat colleagues, candidates, clients and business partners with equality, fairness and respect, regardless of their age, disability, race, religion or belief, gender, sexual orientation, marital status or family circumstances. What we offer: A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more. We provide an environment where new ideas are encouraged and celebrated, where people who want to have a real hand in our success thrive. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community. EEO Statement: We consider our people our chief competitive advantage and as such we treat colleagues, candidates, clients, and business partners with equality, fairness, and respect. DUAL North America provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. DUAL will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.

Job Description General Placement Service is recruiting on behalf of an A+ Rated, long-standing insurance carrier with a national reach. They seek to hire a Production Underwriter to manage an agency plant and grow a profitable book of business within your territory. The products are all mid-market commercial with a focus on casualty lines. In this role, you will: - Develop and maintain relationships with independent agencies and Producers - Build and grow a profitable book of business through risk evaluation, pricing and negotiation - Underwrite all new business throughout the territory - This is a remote position and the territory will be determined by your location To be qualified, you must have: - 5+ years of Property and Casualty Underwriting experience - Previous Sales & Marketing experience - Knowledge of your regional insurance market - including agency relationships - Bachelor's degree and industry designations are preferred

Affinity is seeking an experienced, detail-oriented Consumer Loan Underwriter to join our team! This position conducts careful risk analysis on consumer loan products and exercises judgement based on experience to review, analyze and render a credit decision in accordance with various loan program requirements using digital technology in a remote working environment. Responsible for building member relationships by educating members and cross selling Affinity's products and services. Monitors all pending consumer loans applications by following up on all member related inquiries during the loan process. The underwriter must have experience in leveraging technology and data to make it simple for our members to have access to credit in a timely manner. The starting salary range for a new hire in this role is $60k to $65k. The wage/salary offered to a successful candidate will be dependent on several qualifying factors, including but not limited to: years of relevant experience, years of industry experience, education, etc. Evaluates consumer loan applications: * Reviews credit requests and analyzes applications in accordance with Affinity's policies, procedures, and guidelines,. Sets stipulations necessary to substantiate and complete loan request, evaluates all applicable documentation as required. * Makes lending decisions within established underwriting guidelines. Makes recommendations on loans in excess of authority. * Daily responsibility of managing the queues, underwriting direct consumer lending applications, maintaining turn times, following up on pending applications and stipulations, archiving applications as needed, communicating with members via phone calls and emails, working with internal teams as needed, and any other duties as assigned * Meets all lending and regulatory requirements for loan reviews * Builds and maintains member relationships. * Contacts members regarding their loan application decision and discusses member's individual financial needs * Handles branch and call center related questions concerning a members' loan application. Performs duties according to established department procedures and adheres to credit union policies, procedures and guidelines. * Finalizes terms of approved loan applications, cross selling ancillary products when applicable * MUST have the ability to analyze and verify all sources of income including paystubs, tax returns, award letters, etc. * Maintains knowledge of all marketing promotions, products, services, policies and procedures General Requirements/Qualifications: * Minimum of 2 years consumer loan underwriting experience is required. * Minimum of 2 years of sales experience in a financial institution preferred. * Previous experience in credit scoring and automated processing preferred. * Strong organizational, technical, analytical and independent decision-making skills. * Experience with finance computations, lending calculators and general consumer loan applications. Affinity strives to maintain balance between our employees' personal and professional responsibilities. All full-time employees receive a highly competitive and multi-faceted Total Rewards package including competitive pay, target incentive, full medical/dental/prescription coverage, 401(k) plan, profit sharing, and generous paid time off. Affinity employees are also eligible for discounts on products and services and earn paid time off for volunteering. In addition to these benefits, Affinity provides extensive educational and developmental opportunities as well as access to our formal Tuition Assistance Program. Affinity is committed to creating an inclusive culture and an employment experience that values diversity. Our culture is built on respect - one that recognizes and values the unique talents of everyone on the team. With a genuine commitment to diversity, we've created an environment where employees feel comfortable regardless of race, gender, religion, background, physical ability or sexual orientation. Explore career opportunities with Affinity and belong to something better. Please scroll down and read the Applicant Statement in its entirety. Applicant Statement I promise that all information I have supplied in this application and any other form, oral or written, is true and accurate, and I agree that any misstated, misleading, omitted, or false information will result in rejection of this application form, refusal to hire, withdrawal of an offer of employment, or immediate discharge without recourse, whenever and however discovered. I understand and agree that Affinity Federal Credit Union, any agent acting on its behalf, as well as any other person responding to a reference request pursuant to this application, can and will seek and/or disclose any and all information about me which said corporation, agent, or person may have. I specifically authorize said disclosure and agree to hold all such corporations, agents, or persons harmless. I understand and agree to the fact that Affinity Federal Credit Union maintains a drug-free workplace and that I will be required to undergo a drug urine screening check. I understand and agree to the fact that Affinity will also conduct a criminal history background and credit report check. I understand and agree that said pre-employment checks are designed to ascertain my suitability for employment. I specifically authorize said disclosure of this confidential information and agree to hold Affinity Federal Credit Union, its agents, managers, officers, and employees harmless from any and all liability in connection with the pre-employment screening/testing. Additionally, I agree to comply with all request for additional testing of any type and at anytime during my employment at Affinity Federal Credit Union. I understand that all employment offers are made contingent upon satisfactory proof of legal authorization to work in the United States according to the law. I understand that failure to provide satisfactory proof of identity and authorization to work in the United States will disqualify me from employment. If hired, I agree to abide by the terms and conditions of all Affinity Federal Credit Union policies and procedures. I understand I will not be employed, or my employment will be terminated, if I am or have been convicted of a criminal offense involving dishonesty, breach of trust or money laundering, or if I admit, plead guilty or nolo contender, or have to such an offense or if I agree or have agreed to enter into a pretrial diversion or similar program in connection with a prosecution such an offense. I understand and agree that my employment will be at will and that I or Affinity Federal Credit Union may terminate this employment relationship at any time, with or without notice, for any or no reason, without recourse by either of us. I also understand that oral representations to the contrary do not change the fact that both the Company and I maintain free to end the work relationship for any or no reason. I further understand that any changes in this employment relationship must be made in writing. I acknowledge that at anytime during my employment with Affinity Federal Credit Union, the hours and/or days that I am expected to work may be changed to accommodate the needs of the business. In addition, I am also expected to work at various Affinity Federal Credit Union locations. I acknowledge that I have been advised that Affinity Federal Credit Union is an Equal Opportunity Employer and that Affinity Federal Credit Union administers its employment policies in a nondiscriminatory manner. I specifically authorize Affinity Federal Credit Union to investigate my background, including any and all references, and prior employers, consistent with the position for which I am applying, and release and hold Affinity Federal Credit Union harmless for any and all liabilities arising out of its investigation of my application for employment. I authorize the Company, in its sole discretion, to supply my employment record to any prospective employer, government agency, or other party with an interest that the company deems appropriate. I understand that this application is not a contract of employment. If you agree to this disclaimer, you authorize the Company to process the application in accordance with the Company's established hiring practices. By completing this online application for employment opportunities at Affinity Federal Credit Union, I acknowledge reading, understanding and agreement of the Applicant Statement. Affinity is an Equal Opportunity Employer.

Homeward takes the “what ifs” out of homebuying by creating financial products that give buyers and sellers certainty and convenience. We're a fast-paced, remote-first real estate startup that partners with real estate agents to offer innovative products and services, helping clients buy with cash, sell with certainty, and time their move, regardless of the market. Founder and CEO Tim Heyl, owner of one of the fastest-growing agent teams in the country, started Homeward in 2018 to fix the antiquated and broken real estate process. Today, we offer bundled cash offers, mortgage, and title services in 13 states, enabling buyers and sellers to move with certainty and convenience. We're a fully remote company with a diverse team spread across several countries - Grounded in three core values: The Golden Rule, One Team One Dream, and Calm Focus. Hear from our employees about what our values mean to them. About The Opportunity The Homeward Mortgage Team is central to Homeward's operation, responsible for conducting the financial review and approval of every customer that works with Homeward and processing and closing every loan secured with Homeward Mortgage. We're focused on bringing financial innovations to life and delivering a seamlessly integrated mortgage experience. We are looking for residential Mortgage subject matter experts and smart, flexible people who can easily adapt to a new way of doing things. We're looking for a Fulfillment Underwriter to join our growing Underwriting team. Our Fulfillment Underwriting team is responsible for ensuring all Homeward Mortgage originated loans have strong approval, meeting Homeward's and our investor guidelines, ensuring the certainty of a close. This team collaborates directly with our Mortgage Sales and Operations team to ensure we communicate conditions clearly and expertly, and show great intent to make the deal work every time we can, through creative solutioning and structuring. We are looking for team members who are collaborative, motivated, and creative. You must have front-line Underwriting experience as well as experience working with multiple Investors. Responsibilities Will Include: Validate the accuracy of all calculations and update data in LOS to ensure data integrity in the AUS response. Evaluate the credit package to ensure an investment-quality loan product. Analyze borrower's credit capacity through in-depth review of income and asset documentation, including self-employed borrower income calculations. Calculate housing and debt ratios, measuring applicant liquidity, asset concentrations, and leverage. Review and approve third party purchase contract/addendums, title report, escrow instructions, environmental report, and other legal documentation. Work with team members (Processors, Closers, and Loan Officers) to identify potential solutions/alternatives for difficult/denied loan files. Ensure timely escalation to the Underwriting Manager/Director for review of any/all loan level challenges. Meet turn time expectations and SLAs for review Maintain current knowledge of secondary market guidelines Manage a daily pipeline and ensure service expectations and company-mandated turn times are met About You: 5+ years of experience underwriting FNMA, FHLMC FHA and VA designations are also a plus Experience underwriting to multiple Investor guidelines and overlays Advanced knowledge of Desktop Underwriter (DU) and Loan Product Advisor (LPA) Refinance and purchase mortgage underwriting Loan Origination Software experience required, Encompass or LendingPad preferred Strong written and verbal communication skills Ability to thrive in a fast-paced, high-production environment Pay & Benefits: Compensation range: $80,000 - $85,000 Remote-first environment (our Headquarters are in Austin, TX, come visit!) Company-wide bonus Exciting stock option grant for every full-time employee 401(k) employer contribution match Health and wellness benefits, including medical, dental, vision, and life insurance Twenty days of vacation, five sick days, twelve company holidays, and two floating holidays each year Generous paid parental leave of up to 14 weeks See more about how Homeward takes care of our team by providing a generous package of benefits here. Value-Driven Employee Experience THE GOLDEN RULE. It's simple: Treat others the way we want to be treated. Whether we're dealing with colleagues or customers, we don't prioritize money or growth over people, and we practice empathy at every opportunity. CALM FOCUS. We work in tech and build solutions for real estate. Both are fast-paced and stressful industries. But by focusing on the larger objective rather than rushing from one task to the next, we can create solutions our customers love. ONE TEAM, ONE DREAM. Big problems require big solutions. We look at our customers' experiences holistically and recognize that solving them requires collaboration across teams and our three affiliate companies - Homeward, Homeward Mortgage and Homeward Title.

We are a hybrid, remote-office company dedicated to growing our talent anywhere! We have onsite locations in: Sioux Falls, SD, Scottsdale, AZ, Louisville, KY, Troy, MI, Franklin, TN, Easton, PA. At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™. We are a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products. We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success. We celebrate, and embrace, our team members through our *HUMBLE*HUNGRY*SMART approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve. About the Role: Responsible for underwriting loans in a timely manner, resulting in an acceptable level of credit risk and an appropriate risk return relationship. Facilitate the booking of new loans, ensuring customers understand our company's requirements and their responsibilities. Manage the entire underwriting process through closing. What You Will Do: Underwrite the entire spectrum of lending products, regardless of size or complexity, in a timely and efficient manner. Understand and apply credit policies, corporate Program Standards, and minimum underwriting standards. Collaborate closely with the various Business Development Officers to provide a consultative/value-added credit perspective, both prior to proposal issuance and thereafter. Review and analyze new deal packages for content and completeness. Order and review due diligence and documentation. Review and analyze financial statement spreads and understand cash flows. Review and understand collateral and financial trends indicated therein. On occasion, be willing to visit prospect locations and meet management of the business prior to closing for transactions over a predetermined amount. Gain a thorough understanding of the prospect's business and what is impacting the company's growth, or declining, performance. Review reporting requirements and processing with clients. Analyze debtor information in conjunction with Debtor Credit Manager. Prepare the credit narrative/CAR (Credit Approval Report) for appropriate approval and/or credit committees. Be able to review the closing documentation and effectively negotiate with the prospect client, internal/external legal counsel, and/or other transaction stakeholders Mentor and train analysts, and less experienced business development representatives. Other duties as assigned. What You Will Need: Bachelor's degree or equivalent education and work experience. 5+ years relevant experience. Business Acumen, Customer Focus, Collaborates, Communication Skills, Negotiating Must have the ability to self-train and quickly adapt to various IT systems and procedures, which are utilized by the business on a daily basis. The responsibilities listed above are not all inclusive and may be changed at any time. Salary range: $104,000- $150,000 The salary range reflects the minimum and maximum target for a new hire in this role. Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate's experience, qualifications, skills, and location. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future. This role is also eligible for an annual performance-based incentive opportunity. Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more. #LI-Remote Don't have everything listed under qualifications? If you're excited about this role but your experiences don't match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law. Who we are: Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve. We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws. Please click here to learn more about our benefits and review information about our Privacy Policy, Affirmative Action Plan and other notices. Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing - ******************** Please click here to view Pathward's Applicant Privacy Notice. Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted. Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights. Candidate Scam Warning We encourage you to be cautious of hiring scams that impersonate Pathward. 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Ledgebrook is an InsurTech MGA on a mission to bring Specialty insurance into the modern era. Burdened with legacy technology and processes, the industry has not kept pace with the speed of innovation seen in other sectors. Positioned at the cutting edge of the next generation of InsurTech, Ledgebrook offers the best of both worlds: innovative world-class technology deployed by a leadership team armed with over 100 years of insurance expertise. Our long-term vision is to become a diversified full stack Specialty re/insurer competing with legacy carriers in product lines & markets across the globe. To get there, Ledgebrook builds its premium base by rolling out a new Specialty product every ~6 months until we prove enough traction to raise a balance sheet, become a full stack carrier and eventually compete in the reinsurance markets. Our initial product is a domestic primary and excess GL E&S policies sourced via wholesale brokers. At Ledgebrook, everything we do is driven by our culture: Care, Strive, Thrive Together. To succeed in modernizing the industry, we must first succeed in changing the way we do business. Talent density is our north star-fewer, better people working together as one. To that end we've replaced all individual incentives with generous equity packages-we play as a team, we win as a team. Everyone benefits handsomely from Ledgebrook's success. Ledgebrook is a fully-remote US based company backed by top venture and family office investors including Brand Foundry, American Family Ventures, Duquesne Family Office, and Stephens Group. We're a fully remote team prioritizing impact, ownership, and collaboration. Role Summary The position will be responsible for sourcing and underwriting complex, large commercial Builder's Risk (ISO Class 1-6) in the United States. The underwriter is responsible for the technical risk assessment, pricing, and line size deployment for new and renewal risks falling within the underwriting guidelines. They will work with internal and external stakeholders to develop and maintain a profitable portfolio. Role Responsibilities Building and maintaining a profitable portfolio. Proactively taking steps to optimize the portfolio and manage aggregations. Developing solutions unique to each client while protecting our bottom line. Day-to-day communication, marketing, and negotiating with approved clients and broker contacts Examines, identifies, and evaluates exposures by analyzing documentation from various sources, such as the insurance application, project and site plans, project schedules, geotechnical reports, credit reports, crime scores, Nat Cat models etc. Coordinating Loss Prevention/ Risk Engineering services both internally and with our vendor partners. Underwrite and evaluate Natural Catastrophe Accumulation, ensuring an understanding of catastrophe modelling and interpretation of scenarios. Manage this on a per risk and portfolio basis. Key role in working with pricing system and technical teams to maximum profitability. Compliance with all internal and external guidelines and legal requirements. Here at Ledgebrook we are passionate about creating a team that is on a continuous learning journey and that shares our excitement about building a company from the ground up. Some of the characteristics we hold dear are: A passion to deliver a world-class customer service experience to both internal and external customer Intellectual curiosity and desire to innovate processes/procedures versus being satisfied with the status quo A desire to continue learning through on-the-job mentorship or formal educational/training opportunities Agile prioritization skills coupled with a keen sense of urgency that seeks to balance getting it right versus getting it done right now A strong drive and desire to win together as a high-performing team A moral compass to "do the right thing, period", we have zero tolerance for toxic behaviors. Competitive salary and meaningful equity ownership Health Insurance - 100% employer-paid option available Additional benefits available include 401k plan, dental, vision & other options Remote work, flexible hours Unlimited time off policy Ownership, autonomy, purpose

Job Title: Senior Mortgage Underwriter Division: Operations Underwrites mortgage loan applications and evaluates loans in order to maximize organizational profit and minimize risk or loss. Direct Reports: None Core Responsibilities: Underwriting Respond to investor repurchase and quality review requests. Support loan shipping process to clear underwriting purchase issues. Underwrite residential loans while ensuring compliance with appropriate company and secondary market investor standards as well as compliance with lending regulations. Render underwriting decisions and subsequent clearing conditions to ensure credit and investor guidelines are met. Evaluate and examine transactions to ensure accuracy and completeness Contact customers and partners to gather information to make appropriate decisions Proactively communicate the decisions to the Residential Lending Specialists and Community Bank Partners with an explanation behind credit decision 2.Training/Help Desk Serve as a resource to Residential Mortgage personnel on underwriting questions and provide training for investor, underwriting and compliance related issues. Recommends modifications to underwriting procedures. Provide training as needed to Residential Lending Specialists and Community Bank Partners as requested by Channel Manager. Underwriting Management Prepare formal reports for review. Provide feedback on new investor candidates as it relates to underwriting guidelines and delivery procedures. Coordinate third party quality control of mortgage loans and evaluate reports providing feedback concerning closed loan quality and process improvements. Ensure that contractors are trained on investor specific eligibility requirements and guidelines. Negotiate with third party service providers and manage contracts. Compliance Implement fraud detection techniques and other evaluation tools to mitigate mortgage lending risk. Performing compliance reviews and comply with regulatory requirements Respond to individual and investor audits Coordinate HMDA reporting and evaluation. Role Specific Competencies Computer Skills Skilled in the use of computers, adapts to new technology, keeps abreast of changes, learns new programs quickly, use computers to improve productivity. Job Knowledge Understands duties and responsibilities, has necessary job knowledge, has necessary technical skills, understands company mission/values, keeps job knowledge current, is in command of critical issues. Personal Organization Keeps information organized and accessible, maintains clean/functional work space, works systematically/efficiently, and manages time well. Minimum Requirements: Bachelor's degree or equivalent experience 3 - 5 years underwriting experience DE Certification with a CHUMS number and VA LAPP Approval including FHA and/or VA underwriting experience. Extensive knowledge of quality service discipline. Retail banking experience. Proven communication and customer relation skills. Ability and desire to interact and contribute in a team environment. Ability to use a variety of software tools.

It's fun to work in a company where people truly BELIEVE in what they're doing! We're committed to bringing passion and customer focus to the business. The Compliance Underwriter is responsible for performing compliance reviews within the TRID 3.0 and TRID 1.0 scopes to ensure federal and state regulatory requirement and guidelines are met. Responsible for compliance underwriting, due diligence, portfolio analysis, and compliance review projects. This position is classified as a Transactional Employee (TE). Transactional Employees are assigned to work on an “as needed” or project basis. The variable nature of the transactional role cannot guarantee a 40-hour work week. Transactional employees are typically designated to work on a deal or a particular client assignment. At times, work may be reduced, and there may be occasional periods of no work. Efforts will be made to assign work, but work is entirely dependent on client needs. Essential Functions Review and capturing loan data from mortgage documents including but not limited to Mortgage, Note, Right of Rescission, Loan Estimate, Closing Disclosure, Good Faith Estimate, 1003, appraisal, etc. Review Hud-1, Closing Disclosures, Loan Estimates, TIL and other mortgage disclosures for completeness and accuracy Analyzing and capturing settlement fees for state and federal testing Identifying potential problems within the underwriting administrative process and identifying compliance irregularities within the loan file Manage individual workflow to ensure daily volume and quality goals are met Evaluating the disclosure process including but not limited to the delivery, timing, required verbiage, execution and completeness of all State and Federal documentation. Education HS Diploma/GED Associate/Technical Degree Preferred Experience 1+ years in any area of the residential mortgage industry with familiarity of mortgage origination documents 1 year experience in mortgages required 1+ year of compliance reviews preferred. Essential Knowledge, Skills & Abilities Proficient in reviewing TRID loans originated Post 10/3/2015, with the approved 1.0 Scope and/or 3.0 Scope Preferred knowledge of TRID Documents Strong commitment to customer service and satisfaction; Excellent time management skills; Excellent verbal and written communication skills; Ability to work in a fast-paced, metrics driven environment. Strong analytical and problem-solving skills. Ability to prioritize multiple objectives to meet client deadlines and department goals. Proficient knowledge of Microsoft Office Suite, including Word, Excel, and PowerPoint. Commitment and ability to cultivate a diverse and inclusive work environment. Compensation and Benefits Covius offers an extensive benefits package for all employees, including medical, dental, vision and 401k! Compensation: $24.00 to $31.00 / hour Application Guidelines: For best consideration, please submit your resume and application materials as soon as possible. Review of applications will begin immediately. Working Conditions Work is performed in a climate controlled indoor administrative office setting. The noise level in the work environment is usually quiet to moderate, depending upon the office or meeting location. Physical Demands and Activities While performing the duties of this job, the employee is frequently required to communicate. The employee frequently is required to remain stationary. The employee is occasionally required to move about the office, operate a computer and other office machinery, such as calculator, copy machine, and computer printer; occasionally position self to maintain files; occasionally moves boxes weighing up to 10 lbs. Close and distance observation required with ability to observe objects at close range in presence of glare or bright lighting (e.g., computer screen). Must possess the ability to communicate information and ideas so others will understand and have the ability to interact with external and internal stakeholders. Covius is committed to equal opportunity in all employment practices to all qualified applicants and employees without regard to race, color, religion, gender, gender identity, age, national origin, pregnancy, disability, genetics, marital status, military or veteran status or any other protected category as established by local, state, and federal law. This policy applies to all aspects of the employment relationship including recruitment and hiring, placement, promotion, transfer, compensation, disciplinary action, layoff, leaves of absence, training, and termination. All such employment decisions will be made without unlawful discrimination based on any prohibited basis. The essential functions, working conditions and physical demands described above are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position. Please note that all s are not intended to be all-inclusive. This job description is not designed to cover all activities, duties or responsibilities that are required of the employee for this job. Employees may be required to perform other duties at any time with or without notice to meet the ongoing needs of the organization. If you like wild growth and working with happy, enthusiastic over-achievers, you'll enjoy your career with us!

About Us SolomonEdwardsGroup, LLC ("SolomonEdwards") is a full-service professional services firm offering financial, operational, and technology consulting and operations support. We work with some of the world's most prominent companies to help them envision and achieve a better future. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, collaborative individuals who can help us deliver exceptional client service. For more information, visit SolomonEdwards Position Summary: SolomonEdwards is looking for a Mortgage Fulfillment Underwriter for one of its mortgage clients to ensure the assets reviewed meet all applicable investor guidelines, through a complete knowledge of requirements and regulations. You will be held accountable for the quality and accuracy of decisions. Position Locations: Phoenix, AZ Tampa, FL St. Louis, MO Plano, TX Moorpark, CA Pasadena, CA Essential Duties: - Decisions full range of mortgage loans, preferably including FHA loans. - Review all mortgage applications and documentation for accuracy and completeness. - Work with clients to prepare mortgage applications and related documentation as needed, and help resolve any outstanding issues. - Work with compliance officers to ensure Federal, State, and local compliance with all mortgage and loan materials. - Approve or deny mortgages on a timely basis. - Perform other related duties as required and assigned. - Demonstrate behaviors that are aligned with the organization's desired culture and values. Qualifications: - Bachelor's degree or equivalent work experience. - 3+ years of mortgage underwriting experience required. - Knowledge of mortgage laws and regulations required, including the Home Mortgage Disclosure Act. - Knowledge of state and federal agency mortgage loan guidelines and regulations is helpful. Skills and Job-Specific Competencies: - Solid knowledge of mortgage underwriting and basic automated underwriting systems. - Proficiency with basic automated underwriting systems. Travel Requirements: No travel will be required, unless at the client's discretion. Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be provided to qualified applicants or candidates with disabilities upon request to enable them to perform essential functions. This role may require mobility to attend in-person meetings, sitting or standing for extended periods, and the use of telephone, computer, or other electronic communication devices. Salary Range: SolomonEdwards values your unique and individual experience and background. As such, we take a comprehensive approach when determining compensation for our roles. The compensation for this specific role is based on a wide range of factors, including but not limited to, education, licensure and certifications, location, experience, and training. A reasonable estimate for the current hourly range for this role is $26 - 36. Benefits: We are committed to providing health and financial stability by offering a comprehensive suite of benefits. Benefits include access to top-tier employers and job opportunities, health insurance, sick leave, and 401(k). Inclusion and Diversity Statement: SolomonEdwards is an Equal Opportunity/Affirmative Action employer. We firmly believe in fostering an inclusive and diverse workplace environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, veteran status, or any other characteristic protected by applicable laws. All employees, including managers and supervisors, are responsible for upholding our EEO and diversity principles. Discrimination or harassment of any kind will not be tolerated. We value the contribution and wisdom of the team. At SolomonEdwards, we have built a vibrant and inclusive community. Our team members are curious, committed, and diverse. In keeping with our mission to build value through people, we cultivate a culture where differences are celebrated, and all members are treated fairly and equitably. Employees, business partners, and our extended stakeholder family are empowered to share their experiences, ideas, and perspectives; and to be their whole selves. Privacy: We adhere to the California Consumer Privacy Act (CCPA). Your privacy is important to us, and we never sell your data to third parties. Personal information is only collected to match applicants with job opportunities. Copy/paste this URL to learn more about your rights: SolomonEdwards' Privacy Policy. Our Recruiter Promise: Our talent acquisition team prioritizes integrity, professionalism, and transparency in every interaction. When you engage with SolomonEdwards, you can trust a respectful, secure experience from verified contacts. Copy/paste this URL to learn more about how we protect your candidate experience: Recruiter Promise. Job Ref: 141866 ### Place of Work On-site ### Requisition ID 141866 ### Application Email ****************************

The HECM (Reverse) Underwriter position underwrites residential loans ensuring compliance with appropriate company, secondary market Investor standards, and all applicable laws. Examines loan documentation for accuracy and completeness. Partners with Loan Originators, Branch Managers and Processors to secure all required documents. Essential Job Functions-Description: Follows prescribed guidelines, receives and reviews loan applications and associated documentation to ensure thoroughness and accuracy according to HECM guidelines, policies and procedures Maintains acceptable turn times for initial decisions and condition reviews in accordance with Department expectations Interacts with Quality Control, Compliance, and Funding for problem resolution, risk evaluation and compliance concerns Develops and maintains sound knowledge of HECM product guidelines offered by the company, and risk assessment tools Reworks loans to new terms, identifies additional conditions as needed to insure a viable credit decision Reviews and evaluates borrower(s) profile including but not limited to all income documentation, tax returns, credit reports, preliminary report, judgments, bankruptcy documents and appraisals and ensures all necessary documentation is requested to support final loan decisions Demonstrates proficiency in manual underwriting policies and procedures Maintains a sound knowledge of secondary market activity, practices, and business/industry practices as they impact underwriting quality and origination activity Communicates and maintains good relationships with loan originators, management, processor Demonstrated experience with MS Office products Experience Required: 3+ years of Residential Loan underwriting experience DE certification and recent FHA underwriting experience preferred Solid knowledge and understanding of FHA/HECM policies and procedures Solid knowledge and understanding of various fraud tools Demonstrated experience working in a fast paced and changing environment Demonstrated experience effectively managing relationships with internal and external partners Prior mortgage processing experiencer preferred Demonstrated experience with repurchase response and/or rebuttal review and response preparation Demonstrated experience reporting, analyzing, interpreting, and critical thinking Information: Not part of the job description Physical Environment: This position is primarily a remote position. Access to a quiet space at home and reliable internet is required. Travel: Local travel may be required for company or career-related meetings, programs and/or events. To see new and updated job postings and job postings similar to this, please follow us on LinkedIn: *****************************************

As a Non-QM Underwriter, you will be responsible for evaluating and underwriting complex non-qualified mortgage (Non-QM) loan applications. This position requires expertise in various non-QM loan products, including but not limited to Bank Statement, DSCR (Debt Service Coverage Ratio), and Asset Depletion loans. Your role will ensure compliance with all underwriting guidelines and regulatory requirements while maintaining a high level of service and accuracy. Key Responsibilities: Review and analyze loan files, including income documentation, credit reports, and asset verification for Bank Statement, DSCR, and Asset Depletion loans. Underwrite and approve or deny loan applications based on the company's guidelines, policies, and regulatory requirements. Communicate with loan officers, processors, and other stakeholders to obtain necessary documentation and resolve any issues. Ensure loan files are complete, accurate, and compliant before final approval or denial. Stay current with industry regulations, guidelines, and best practices regarding Non-QM loan products. Provide guidance and support to junior underwriters and other team members as needed. Maintain a high level of productivity and quality assurance while meeting deadlines. Requirements: Minimum of 3+ years of experience in underwriting Non-QM loans. Strong knowledge and experience with Bank Statement, DSCR, and Asset Depletion products. Experience Underwriting Non-QM products within the past year. Deep understanding of underwriting guidelines, regulations, and compliance standards related to Non-QM loans. Proven ability to handle a high volume of loan files while maintaining accuracy and attention to detail. Excellent communication skills, both written and verbal. Ability to work independently and as part of a collaborative team. Strong organizational and problem-solving skills. Please note that candidates must utilize their own workstation (computer and 2 monitors). Employer does not provide equipment. For Candidates who are hired and reside in California, in person orientation is required if you reside within 150 miles of the North Hollywood, CA headquarter location. Salary: 90-100k, No bonus, paid OTThank you for your interest! If your background aligns with our clients needs, one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters. Unfortunately due to high volumes of applicants, we may not be able to respond to those who are not a fit. If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.

Specializing in third party underwriting, quality control and forensic examination of all mortgage and securitization loan, portfolio and contract audits, including operational risk and quality control policy development. Agency (FNMA/FHLMC/FHA/VA), legal, foreclosure and repurchase defense reporting and expert witness testimony. Expert experience in Mortgage Backed Securities agreements and Seller/Purchaser reps and warrants contracts; Underwriting guideline gap analysis; Valuation and historic appraisal forensic fraud investigation and support. Job Description Remote Conventional Mortgage Underwriter If you are a Remote Conventional Mortgage Underwriter with experience, please read on! Top Reasons to Work with Us We are a retailer seeking all Remote Mortgage Underwriters. We're here to keep the dream of home ownership alive. Currently, we are seeking long-term underwriters to stay with us for the next decade to come. With exponential benefits, a culture that fits the kindest and hardest working, your contribution will be valued within our firm. There is opportunity to grow and since we're middle-sized, your growth will start immediately. What You Will Be Doing - Perform a thorough analysis to ensure the quality of each loan and to determine compliance with Company and Investor guidelines. - Perform a thorough analysis of collateral to ensure property meets investor guidelines and the appraisal quality and completeness is acceptable. - Apply and interpret company underwriting guidelines and makes sound credit decision. - Complete credit, analysis of income, analysis of property, ensures proper audits are completed and verifies consistency of loan file information. - Identify risk factors within each loan and utilizes resources, tools and documentation to detect red flags and clear inconsistencies. - Review and evaluate credit information on mortgage loan documents to determine acceptability for specific loan programs. - Determine any conditions, stipulations or pre-funding requirements. - Maintain ongoing knowledge of investor guidelines, updates and trends as applicable to underwriting position. - Complete second signature underwriting review on loan files underwritten by junior underwriters and within designated authority as needed. - Possess excellent computer skills and working knowledge of Microsoft Office products. What You Need for this Position - 4+ years of Conventional mortgage underwriting experience. - DU and LP experience required - FHA DE/ Direct Endorsement designation are a plus - VA SAR designation experience preferred but not required - Experience with Encompass preferred So, if you are a Remote Conventional Mortgage Underwriter with experience, please apply today! - Applicants must be authorized to work in the U.S. Qualifications What You Need for this Position - 4+ years of Conventional mortgage underwriting experience. - DU and LP experience required - FHA DE/ Direct Endorsement designation are a plus - VA SAR designation experience preferred but not required - Experience with Encompass preferred So, if you are a Remote Conventional Mortgage Underwriter with experience, please apply today! - Applicants must be authorized to work in the U.S. Additional Information Applicants must be authorized to work in the U.S. All your information will be kept confidential according to EEO guidelines.

What part will you play? If you're looking for a place where you can make a meaningful difference, you've found it. The work we do at Markel gives people the confidence to move forward and seize opportunities, and you'll find your fit amongst our global community of optimists and problem-solvers. We're always pushing each other to go further because we believe that when we realize our potential, we can help others reach theirs. Join us and play your part in something special! The Commercial Underwriter's primary responsibility is to produce and underwrite new and renewal commercial bond business while maintaining and building productive relationships with our network of independent agents and brokers. The person in this role should be a self-motivated individual with the responsibility to cultivate and maintain a profitable commercial book of business by using sound judgment when assessing risk and providing excellent service to our agents and customers. Responsibilities: Gather, analyze and underwrite commercial surety bonds Evaluate and manage risk associated with various types of commercial surety bonds while adhering to the company's underwriting philosophy Have a keen understanding of legal documents, indemnity agreements, statutes, bond forms, and insurance laws and regulations Have a solid understanding of financial and accounting principles Demonstrate sound business judgment in the evaluation of the financial condition, credit history, experience, and character of bond applicants Develop new business through agency relationships Possess a solid knowledge of processing methods and workflow procedures Exhibit excellent written and verbal communication both internally and externally Effectively interact with people in small groups and social situations Price, quote, negotiate terms and conditions, and service accounts Decline and/or cancel coverage Renewal bond underwriting Contribute to internal processing and underwriting systems for standardization and efficiencies Available for overnight travel and the ability to attend occasional agent meetings or industry events Mentor and provide guidance and support for team members Qualifications: Minimum 2+ year's industry experience Bachelor's degree preferred; high school diploma accepted with equivalent industry experience. Ability to thoroughly analyze bond applications and make both objective and subjective decisions based on that data Ability to interpret an extensive variety of procedures and instructions and deal with several abstract and concrete variables Ability to define problems, collect data, establish facts and draw valid conclusions Ability to calculate figures and amounts such as premium rates and commissions Ability to compose business correspondence and respond to questions from managers, clients, and customers Ability to handle large volume of bonds and be able to prioritize, organize, and delegate assignments Possess strong interpersonal skills Possess strong organizational and time management skills Ability to multi-task and work in a team environment Strong customer service orientation and negotiating skills Self-motivated and ability to work independently as well as part of a team #piq #LI-Hybrid US Work Authorization US Work Authorization required. Markel does not provide visa sponsorship for this position, now or in the future. Pay information: The base salary offered for the successful candidate will be based on compensable factors such as job-relevant education, job-relevant experience, training, licensure, demonstrated competencies, geographic location, and other factors. The salary for the position is $74,320 - $102,190 with a 20% bonus potential. Who we are: Markel Group (NYSE - MKL) a fortune 500 company with over 60 offices in 20+ countries, is a holding company for insurance, reinsurance, specialist advisory and investment operations around the world. We're all about people | We win together | We strive for better We enjoy the everyday | We think further What's in it for you: In keeping with the values of the Markel Style, we strive to support our employees in living their lives to the fullest at home and at work. We offer competitive benefit programs that help meet our diverse and changing environment as well as support our employees' needs at all stages of life. All full-time employees have the option to select from multiple health, dental and vision insurance plan options and optional life, disability, and AD&D insurance. We also offer a 401(k) with employer match contributions, an Employee Stock Purchase Plan, PTO, corporate holidays and floating holidays, parental leave. Are you ready to play your part? Choose ‘Apply Now' to fill out our short application, so that we can find out more about you. Caution: Employment scams Markel is aware of employment-related scams where scammers will impersonate recruiters by sending fake job offers to those actively seeking employment in order to steal personal information. Frequently, the scammer will reach out to individuals who have posted their resume online. These "job offers" include convincing offer letters and frequently ask for confidential personal information. Therefore, for your safety, please note that: All legitimate job postings with Markel will be posted on Markel Careers. No other URL should be trusted for job postings. All legitimate communications with Markel recruiters will come from Markel.com email addresses. We would also ask that you please report any job employment scams related to Markel to ***********************. Markel is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of any protected characteristic. This includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law. Should you require any accommodation through the application process, please send an e-mail to the ***********************. No agencies please.

We are a fast-growing, high-achieving organization that thrives on winning. We are proud to be ranked nationally in the top 10 Banks within our asset size peer group based on financial performance. If you are seeking a place where you can have enhanced visibility, add more value, and you thrive in a dynamic and growth-focused environment, you belong at CFBank. We are agile, we work with integrity, and we hustle. For over 130 years we've been serving our communities and over the past decade have become a top performer, successfully growing our business and attracting some of the best talent out there. We are a commercial bank that offers a boutique banking experience for personal banking clients. Our unique business model offers direct access to decision-makers, great technology, great products, and competitive pricing that position our teams to go into the market and win business. About the role: In this role, you will be a key player in the Organization's success, directly contributing to the Bank's achievement of its business plan. The Commercial Credit department is responsible for ensuring that the Bank maintains a high level of credit quality regarding the Bank's commercial lending portfolio. What you'll do: * Maintain a deep understanding of rules, regulations, and best practices associated with lending, including ICRE and C&I loan and lease types. * Work closely with the sales team to identify and structure credit solutions with the ultimate goal of growing the business while minimizing risk. * Determine viability of new loan requests, approving and underwriting credit requests within authority limits. * Provide oversight on loan administration practices, the approval process, and work with leadership to coordinate new requests through the loan committee. * Produce and oversee the production of various reports which provide information for decision-making and managing the credit function. * Comply with internal security policies and procedures and maintain customer confidentiality at all times. * Adhere to all regulations, policies, and record-keeping requirements. Complete all required training related to bank regulations and policies. * Accept other responsibilities and projects as requested to add value for CFBank. Education and Experience * Related degree with a minimum of 3 years of experience or equivalent combination of experience/education preferred. * Intermediate-level computer knowledge required. * Deep understanding of rules, regulations, and best practices associated with lending, including ICRE and C&I loan and lease types. What We Offer: * Excellent Benefits Package: Top benefits include dependent coverage, generous PTO, Federal Holidays, and Paid Parental Leave for those who qualify for eligibility. * Professional development opportunities including educational/training opportunities * "Accelerated" 401k Plan and Employee Match of 50% of the first 8% deferred, available your first full month of employment with a 3-year vesting * Employee Banking Promos and Direct Deposit of payroll to CFBank Account (over 90% of our employees bank with us!) * Employee Assistance Program with a wide range of free resources such as estate planning and mental wellness resources * One of the most collaborative environments you'll find, with a team of hard-working mutually invested professionals who are excited about shared success