Commercial underwriter jobs near me - 177 jobs

Job DescriptionDescription: The CBS Difference Cooperative Business Services offers a comprehensive, end-to-end commercial lending solution that empowers financial institutions with cutting-edge software, expert services, and strategic business development resources. Additionally, we support borrowers by providing tailored business loans designed to fuel growth and success. With a focus on innovation and collaboration, CBS ensures seamless processes and enhanced opportunities for lenders and borrowers alike. At CBS, our goal is to set the standard for excellence in business lending. We strive to be the best - in our processes, in our service, and in the results, we help our clients achieve. We're deeply committed to serving our partner credit unions and borrowers with integrity, precision, and a shared vision for sustainable growth. Join us on this journey as we continue to transform the future of commercial lending. Your Role in Our Success The Commercial Construction Underwriter underwrites commercial construction loans and SBA 504 construction loans. The Underwriter ensures compliance with program and regulatory guidelines, structures loan packages, and oversees construction draw workflows. This position analyzes financial data and mitigates risk related to specialized construction lending relationships. Here's how you will make an impact: Underwrites commercial construction and SBA 504 loan requests to ensure compliance with all internal and external regulations. Analyzes financial statements, tax returns, cash flow projections, credit reports, and construction budgets to determine borrower repayment capacity and project feasibility. Evaluates collateral, appraisals, project feasibility, and borrower repayment capacity to assess risk exposure. Prepares credit memos and underwriting recommendations for management review and approval. Reviews and recommends approvals for construction project draw requests and monitors construction progress to mitigate risk during the building phase. Ensures accurate SBA documentation, filing requirements, and debenture funding readiness to guarantee loan eligibility and sale readiness. Maintains underwriting records, loan data, and performance tracking in Abrigo (or similar software) for audit and reporting purposes. Performs portfolio reviews, updates risk ratings, and reports on loan performance to inform portfolio management decisions. Collaborates with Credit Union personnel, Business Development Officers (BDOs), closing teams, internal and external stakeholders throughout the underwriting, and participation process to ensure smooth execution. Provides guidance to construction analysts and supports process improvements and regulatory compliance within the department. Preforms other related duties as assigned by management. Requirements: What You Bring to the Table Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field. 5+ years' experience in commercial construction and CRE underwriting required with proven expertise in SBA 504 construction loan underwriting. Proficiency with credit spreading software, financial modeling, cash flow analysis, and construction draw software. Expertise in construction project budgets, draw schedules, feasibility analysis, and global cash flow. Strong understanding of commercial construction, multi-family, hospitality and mixed-use projects. In-depth knowledge of SBA 504 program guidelines, CDC coordination, and project eligibility The Perks of Being with Us At Cooperative Business Services, we believe in creating an environment where you can thrive both personally and professionally. Here's what you can look forward to as a valued member of our team: Compensation: Base compensation for this role ranges from $ $80,000-$90,000 annually. Remote Work Environment Generous Holidays: Take advantage of 13 paid holidays each year Comprehensive Insurance Coverage: Choose from a selection of medical, dental, vision, and supplemental benefit plans to suit your needs. Additionally, the company provides company-paid Short-Term Disability (STD), Long-Term Disability (LTD), and life insurance equivalent to 1 time your salary. 401(k) Plan: The company provides a generous matching contribution of up to 6%. Tuition Assistance

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

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

Established in 1993, CIBA Insurance Services offers a unique insurance program that has become the benchmark for providing commercial property owners and managers with broad commercial coverage for property and liability risk protection. We are dedicated to providing our customers with unsurpassed service in underwriting, claims management, risk management, and providing innovative solutions to complex insurance needs. Summary: The Underwriter is primarily responsible for risk selection, analysis, documentation, pricing and sales of commercial property and liability new business, as being responsible for renewal retention and ongoing management of existing portfolio. Key Job Objectives Manage book of business by evaluating submissions, making decisions consistent with guidelines in a timely manner Maintain complete and well-organized electronic underwriting files according to guidelines Maintaining a good relationship with assigned brokers by responding promptly to requests and clearly communicating underwriting decisions Review and evaluate upcoming renewals in a thorough and timely manner, ensuring that nonrenewal notices and renewal quotes are issued accurately and timely Ongoing management of existing portfolio Effectively supervise Underwriting Assistant(s) Qualifications: High School diploma or equivalent, bachelor's degree preferred P&C license Five or more years of related experience and working knowledge of commercial property/casualty coverages and services, including technical principles of rating and pricing commercial lines business based upon individual risk criteria to promote underwriting profitability Proficient computer skills, including Intermediate Microsoft Office Suite skills with strong Excel and Adobe knowledge, and database rating Ability to build and maintain strong internal and external business relationships Negotiation and sales skills with the ability to deliver a challenging message Strong written and oral communication skills Excellent organizational and time management skills Analytical and critical problem-solving skills Attention to detail Self-motivated with a strong work ethic BENEFITS OFFERED: HEALTH CIBA offers a comprehensive benefits package to its employees including medical, dental, vision, and life insurance. We also offer a flexible spending account (FSA) to help our employees save on healthcare expenses. RETIREMENT We offer a 401(k) plan with a Roth option and employer-matching contributions to assist employees with retirement planning. PAID TIME OFF We offer paid meal breaks, paid holidays, vacation, and sick time. We also offer bereavement leave to support our employees during difficult times and paid volunteer time. CAREER DEVELOPMENT Our training, licensing, and tuition reimbursement programs help our employees grow in their careers. Our flexible work schedules, including telecommuting, allow our employees to balance their work and personal lives. COMPANY CULTURE We have a positive team culture and offer an employee referral program, company-wide employee recognition program, and anniversary recognition program to show our appreciation for our employees' hard work and dedication. We also host various employee events throughout the year to foster a sense of community and fun in the workplace. Paid volunteer time is offered to support our employees' dedication to helping their local communities. We thank all applicants for their interest in this position; however, only those selected for an interview will be contacted. This organization participates in E-Verify.

This position is posted by Jobgether on behalf of a partner company. We are currently looking for a Senior Account Underwriter. In this role, you will be at the forefront of managing Group Life and Disability underwriting for National Accounts. Your work will directly impact clients by providing them with tailored coverage solutions. You will collaborate with a dynamic team, ensuring inclusivity and innovative thinking that can drive exceptional outcomes. The position offers opportunities for personal and professional growth and encourages you to put your creative insights to work. Make a significant difference in people's lives while advancing your underwriting career.Accountabilities Manage overall Group Life & Disability underwriting for National Accounts (5,000+ lives). Oversee pre and post-sale underwriting, profit management, and renewal processing. Develop strong relationships with internal and external partners. Drive and participate in projects and special assignments. Collaborate with field teams to meet service goals. Handle quotes and renewals for core products. Negotiate prices and benefits with stakeholders. Mentor junior underwriters and staff. Requirements Bachelor's Degree or equivalent experience. 5+ years of Employee Benefits underwriting experience. Proven ability to build solid relationships. Excellent communication and presentation skills. Analytical thinking and problem-solving abilities. Self-starter with high energy and entrepreneurial spirit. Strong organizational and time management skills. Goal-oriented with a focus on delivering results. Benefits Competitive salary range between $88,080 - $149,400. Flexible remote work options. Opportunities for professional development and career growth. Bonuses and long-term incentives based on performance. Inclusive corporate culture focusing on diversity and teamwork. Why Apply Through Jobgether? We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team. We appreciate your interest and wish you the best!Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.#LI-CL1

Ck Specialty Insurance Associates is a rapidly growing, independently owned wholesale insurance brokerage committed to providing innovative and customized insurance solutions to retail agents and brokers across the country. Founded with a strong entrepreneurial spirit, Ck Specialty was built on the foundation of speed, service, and partnership with our retail agents. Traits that remain at the core of everything we do. Since our inception in 1998, we have grown into a respected name in the Excess & Surplus (E&S) marketplace. We focus on a wide range of commercial and personal lines, offering access to top-rated carriers and niche products that meet the unique needs of today's insurance buyers. At Ck Specialty, we operate with a 120% mentality; always going above and beyond in how we serve our clients, partners, and each other. We value precision, reliability, organization, and speed, which is why our team lives by the acronym PROS. We're a company for self-starters, problem-solvers, and professionals who want to be part of something fast-moving and impactful. Why Join CK Specialty? Supportive, high-energy team culture Room for growth and career development in a fast-scaling company Strong leadership that invests in training and development A voice at the table - your ideas matter here Whether you're new to the insurance industry or bringing years of experience, Ck Specialty is a place where your contributions can make a real difference. We're proud of our track record, but even more excited about what's ahead. What You'll be Doing Ck Specialty is a managing general agent and surplus lines broker specializing in hard-to-insure businesses and homes. We are a fast-growing organization seeking a licensed, sales-driven Production Underwriter/Broker to join our expanding team. This position is ideal for licensed insurance producers looking to build a highly profitable book of business with uncapped earning potential. The role offers the financial independence and flexibility to work from anywhere while gaining access to top-tier carriers and exclusive markets. If you excel in business development, relationship management, and revenue growth, we encourage you to apply. Please note: This role is for individuals who have managed a production role with marketing and relationship building responsibilities. This is not a desk underwriter role. Key Responsibilities Sales & Business Development Identify and develop new business opportunities through networking, referrals, and client outreach. Establish and maintain strong relationships with retail agents and carrier partners. Actively cross-sell and upsell insurance products to maximize revenue potential. Underwriting & Risk Analysis Analyze, underwrite, and price risks of varying complexity, ensuring profitability and compliance. Provide competitive terms and creative coverage solutions tailored to client needs. Negotiate terms, conditions, and pricing with carriers to secure optimal coverage for clients. Client & Account Management Maintain and grow a profitable book of business by building lasting client relationships. Respond promptly to customer needs, resolving issues efficiently and professionally. Market & Industry Engagement Stay informed on market trends, industry regulations, and emerging risk solutions. Leverage industry insights and underwriting expertise to advise clients on the best coverage options. … and above all.. have fun while creating a career that will keeping rewarding you over and over! Requirements Required: Active Property & Casualty (P&C) Insurance License. Prior experience in insurance production, underwriting, and/or brokering (excess & surplus lines preferred). Proven track record of sales success, meeting or exceeding revenue targets. Strong analytical and decision-making skills to assess and price risks effectively. Excellent relationship-building and negotiation abilities. Self-motivated with a 120% mentality to grow and maintain a profitable book of business. Strong organizational and time-management skills. High school diploma required. Preferred: Existing book of business or strong industry connections. Experience working in a remote and autonomous environment. Benefits Benefits & Growth Opportunities Fully Remote Position - Flexible work environment. Career Growth - Opportunities for career advancement in a rapidly growing industry. Comprehensive Benefits Package, including: 401(k) Retirement Plan. Health, Dental, and Vision Insurance. Paid Time Off (PTO) and Parental Leave. Tuition Reimbursement for continued education. Disability Insurance for financial security. Work in a Fast-Growing Industry - Be part of an organization focused on innovation and efficiency. Salary and Bonus determined on existing experience and relationship with clients. Why Join Us? At Ck Specialty, we are more than just a workplace-we are a collaborative and growth-driven team. This role offers an exciting opportunity to be part of a company that values innovation, flexibility, and excellence in service. If you are looking for a challenging and rewarding career in underwriting and brokering, we invite you to apply and grow with us!

What we're doing Owning a home is a huge step in many people's lives, and is also a foundational part of building financial security and wealth. However, the tools and technology supporting homeownership today are antiquated, dependent on things like fax machines, handwritten documentation, and hours of manual review. We're here to change that. Vesta is the next-generation system of record to power the multi-trillion mortgage market. We believe that we are overdue for a core transformation - that in order to build a fully automated process and fully digital customer journeys, lenders will have to adopt a system of record platform that is modern, open, and orchestrated by best-in-class software workflows. Who we are Our founding team is no stranger to the complexities of the financial industry. As early employees at Blend, they spent years together focused on creating modern cloud infrastructure for banks. Now, with Vesta, they are transforming the mortgage industry by creating the most flexible, open, and automated origination experience, benefitting financial institutions and their customers. And, we're not alone. We've raised $55M from top tier investors, including Andreessen Horowitz, Bain Capital Ventures, Conversion Capital, Zigg Capital, and Index Ventures. Our team is small, but mighty. We are a collection of humans who value humility, empathy, self-awareness, and an orientation towards action. If this sounds like you and you're excited by the idea of getting in at the ground level to build the infrastructure that will power the future of the financial industry, we would love to hear from you! About the role As one of our mortgage process specialists at Vesta, you'll work closely with our product, engineering, design, partnerships, and implementations teams across a variety of mission critical projects. In this role, you can expect to: become a Vesta product expert, deeply understanding all functionality in the product. diligently document test cases with a high attention to detail. work with our partner integrations team to help map data across platforms and, configure and test our integrations. partner with our customer implementation team to create canonical configuration around all aspects of loan fulfillment workflows. stay in lock step with our engineering, product, design, and partner teams, keeping them updated on testing and integration status. be an indispensable part of delivering industry-changing software to our customers! Who you are You have 5+ years of mortgage underwriting experience across several mortgage types (e.g. conventional, FHA, VA, non-QM). You are technically inclined and a quick learner. An understanding of APIs, familiarity with MISMO and XML, and experience with tools like Postman a plus, but not required as long as you have a willingness to learn. You are curious and hungry to identify, triage, and help solve any problem you come across, big or small, and you're excited to apply your depth of knowledge across a variety of projects. You are a self starter and team player who's comfortable flexing across a variety of problems and you do so while keeping an eye towards detail and executing with precision. You're looking to join an early-stage team to build something BIG, something industry-changing, and you're excited about being part of that quickly-moving, fast-growing journey. Benefits and Perks Robust medical, vision, & dental coverage (~100% of employee premiums are covered) 401(K) plan offering Meaningful parental leave - 16 weeks fully paid for all new parents, birthing & non-birthing parents (applies to adoptions as well!) Remote-first culture with hubs in New York & San Francisco Generous WFH & Wellness Benefits Monthly Doordash benefits Open & encouraged flexible time off Company offsites to get to know the team! Our cash compensation amount for this role is targeted at $100,000 - $135,000/yr. Final offer amounts are determined by multiple factors including candidate experience and expertise and may vary from the amounts listed above. At Vesta, we believe that the only way we can tackle the challenging problems in front of us is by having diverse perspectives and an environment that promotes inclusivity. We're committed to equal opportunity regardless of race, color, ancestry, religion, gender, gender identity, parental or pregnancy status, national origin, sexual orientation, age, citizenship, marital status, disability, or veteran status. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. As part of our onboarding process, we participate in the E-Verify program.

We're seeking a Personal Lines Underwriter to develop and maintain sales representative, agent, and broker relationships. The Access One80 team intakes submissions from every state from over 21,000 retail agencies via a class leading portal. This position is a hybrid role based out of Colorado Springs, CO and will help our distribution partners place Excess and Surplus policies for a wide variety of classes. Your Impact: Ensures all submissions are effectively managed to reach decline or quoting status within a defined service level agreement. Necessary interaction with carriers and producers to gather needed information in an organized manner. Determines the pricing, coverages and exclusions for each submission. Responsible for reviewing and responding to back-end underwriting reviews and new business audits. Documents underwriting decisions within standards and expectations Provides reports necessary to perform underwriting analysis Follows up on open quotes Policy Servicing Successful Candidates Will Have: 3-5 years of personal lines insurance underwriting experience required. 1-2 years of wholesale distribution experience strongly preferred. Must possess the ability to appropriately apply loss development and advanced loss analysis concepts to achieve optimal pricing of a risk and creatively utilize coverage features, deductibles, or reinsurance on individual risks to achieve company objectives. Proficiency with Microsoft Office products such as Word, Outlook and Excel required. A digital MGA, Access One80 focuses on commercial and personal lines on an E&S basis. We access leading carriers in the US and UK to offer online rating and quoting for dozens of lines of business. We offer in house binding authority and wholesale brokerage services across all lines of coverage. One80 Intermediaries is part of Arrowhead Intermediaries, a global insurance distribution platform that offers deep specialization, scale, and innovation across wholesale brokerage, program administration, and specialty insurance. With more than 7,000 professionals worldwide and a collective portfolio exceeding $18 billion in premium placed in 2024, our combined organization delivers a diverse trading platform for insurance carriers as well as expanded access and niche solutions for brokers and customers navigating complex and hard-to-place risks. The platform combines entrepreneurial culture with operational excellence to deliver tailored solutions and long-term value across the insurance ecosystem. For more information, please visit one80.com or if you have any questions about this posting, please contact **********************. Pay Range: 51,000 - 55,000 Annual The pay range provided above is made in good faith and based on our lowest and highest annual salary or hourly rate paid for the role and takes into account years of experience required, geography, and/or budget for this role. One80 Intermediaries is an equal opportunity workplace and is committed to ensuring equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, Veteran status, or other legally protected characteristics. Learn more about working at One80 Intermediaries by visiting our careers page: ********************** Personal information submitted by California applicants in response to a job posting is subject to One80's California Job Applicant Privacy Notice .

Position Overview: The Mortgage Underwriter (Veterans Only) is responsible for evaluating and approving mortgage loan applications based on a thorough review of financial information and risk assessment. This role involves ensuring that loans meet all regulatory and company standards while providing exceptional service to veteran clients. The underwriter works under the supervision of a financial institution or mortgage company and focuses on serving the veteran community. This is a salaried position with benefits. Key Responsibilities: Loan Evaluation: Review and analyze mortgage loan applications, including financial statements, credit reports, and property appraisals. Assess the risk and creditworthiness of loan applicants based on company policies and regulatory guidelines. Determine loan eligibility and approve or deny loan applications. Compliance and Risk Assessment: Ensure all loan applications comply with federal, state, and company regulations. Identify and address any discrepancies, issues, or potential risks in loan applications. Work with loan officers and processors to resolve issues and provide guidance on loan requirements. Documentation and Reporting: Maintain accurate and up-to-date records of loan applications, approvals, and denials. Prepare and present reports on underwriting activities and loan performance to management. Ensure all documentation is complete, accurate, and properly filed. Veteran Community Engagement: Act as a liaison between the financial institution and the veteran community. Provide specialized underwriting services and advice tailored to the unique needs of veterans and their families. Participate in events, seminars, and workshops aimed at educating veterans about mortgage options and financial planning. Collaboration and Communication: Collaborate with loan officers, processors, and other team members to facilitate a smooth loan approval process. Communicate loan decisions and conditions clearly to loan officers and clients. Provide feedback and recommendations to improve underwriting processes and policies. Training and Development: Stay informed about industry trends, regulations, and products through ongoing training and professional development. Attend company meetings, training sessions, and seminars as required. Qualifications: Education: Bachelor's degree in finance, business, or a related field is preferred. High school diploma or equivalent is required. Experience: Previous experience in mortgage underwriting, financial services, or a related field is preferred. Military experience is highly valued. Skills: Strong analytical and decision-making abilities. Excellent attention to detail and organizational skills. Proficiency in computer software and systems used in mortgage underwriting. Effective communication and interpersonal skills. Ability to work independently and manage time effectively.

Are you looking for a rewarding career with an organization who puts people first? Would you like to contribute to the mission of supporting agriculture and rural America? Do you enjoy working in a team environment? Do you have a passion for providing a great customer experience? Look no further because Southwest Georgia Farm Credit is seeking a Commercial Credit Analyst to serve our 21-county territory in southwest Georgia. Remote work will be considered based off of experience. Company Profile Southwest Georgia Farm Credit is a financial institution that provides financing for agriculture, agribusiness and rural real estate purchases and improvements. We are headquartered in Bainbridge, with six offices that service 21 counties in the southwestern-most portion of the state of Georgia. With over $600 million in assets, Southwest Georgia Farm Credit is a cooperative and part of the nationwide Farm Credit System. Job Description The Commercial Credit Analyst develops and analyzes all types of credit information for use by loan officers and loan committees in making lending decisions. The successful candidate prepares complete loan packages independently for large loans; completes all documents including projections and analyses; and makes clear and appropriate recommendations for action on loans and loan treatments. The Commercial Credit Analyst requires the most technical and analytical skills, concentrating in commercial credit. The position will provide assistance to relationship managers or credit manager as requested. Required Qualifications Bachelor's degree in business, finance, or accounting and/or experience equivalent to the degree Three or more years of commercial credit analysis Possess a working knowledge of spreadsheets and other customized software Gathers and analyzes information skillfully Uses creative insights into financial situations Analyzes information skillfully and develops alternative solutions Supports and explains reasoning for decisions Exhibits sound and accurate judgement Manages competing demands Remote work considered based off of experience

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.

Chase Auto is a leading provider of auto financing with a portfolio of more than $80 billion in assets and relationships with 75% of U.S. franchised automotive dealers. The business is part of the JPMorgan Chase franchise and serves auto dealers, consumers, and vehicle manufacturers. It offers a range of products and services to meet the financial needs of its clients from retail lending, captive financing, and floorplan products to cash management, private banking, and payment processing. As a Banker III in Chase Auto/Dealer Commercial Services (DCS) , you will be managing an existing loan and deposit portfolio of automotive dealerships. You will build and maintain relationships with dealership key decision makers, dealer groups, manufacturer partners, and existing clients. Job responsibilities Execute the strategies and the business priorities of the Region to grow the business and support current initiatives. Prospect and grow commercial product offerings, with emphasis on deposit growth, and leverage the existing DCS relationships to grow retail business. Support Private Label and original equipment manufacturer (OEM) floor plan rooftop goals. Manage the profitability and performance of assigned portfolio. Partner effectively with Merchant Services, Investment Bank, Credit Card, Private Bank and Consumer Bank to deliver firmwide value to our clients. Analyze and document the effectiveness of sales performance and results as related to KPMs. Serve as a subject matter expert for the regional sales team; provide mentoring, leadership, and training as needed. Adhere to the firm's Code of Conduct and controls/compliance. Required qualifications, capabilities and skills Bachelor's degree 10+ years of experience in commercial banking or business banking. Strong knowledge and understanding of Deposits and Treasury products and solutions. Experience in asset-based lending, floorplan financing, commercial real estate, and acquisition financing. Minimum ten years proven relationship building and influencing skills, with the ability to establish credibility and strong client relationships, as well as partnerships with senior business and control partners. Knowledge of accounting principles and financial statement analysis Strategic thinker who supports the goals and direction of the firm Ability to partner across lines of businesses and leverage internal resources. Strong knowledge of regulatory and control framework Preferred qualifications, capabilities and skills MBA Knowledge of consumer lending Formal credit training Automotive industry THIS IS A WORK FROM HOME POSITION BUT WILL BE COVERING THE VIRGINIA MARKET. TRAVEL WILL BE 50-60%.

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 ****************************

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.

The Senior Mortgage Banker is responsible for underwriting residential and equity lines/loans ensuring compliance with appropriate company and secondary market investor standards, including Fannie / Freddie and additional investors (Wells, FHLB, BofA, etc.), ensuring loan requests meet program and product specifications, suggesting counteroffers to a different precut and / or program when appropriate, and communicating decision (approval, suspense, denial) to appropriate individuals and issuing proper documentation. Essential Functions * Underwriting residential and equity lines/loans ensuring compliance with appropriate company and secondary market investor standards, including Fannie / Freddie and additional investors (Wells, FHLB, BofA, etc.) * Underwrite Jumbo Loans * Underwrite government loans including FHA / VA / RD / and CRA programs * Examine loan documentation for accuracy and completeness * Follow the provisions of the Gramm-Bliley Act and the Bank's privacy policy; maintaining a high level of confidentiality * Make timely and accurate decisions while thriving in a fast paced environment * Ensure appropriate pricing * Check accuracy of all calculations * Underwrite and decision equity loans * Underwrite and decision purchase and refinance loans * Determine decision on pre-approval applications * Determine decision on modification requests * Communicate decision on loans to appropriate parties * Confirm adverse decisions * Partner with Mortgage Bankers * Identify and resolve loan issues * Recommend improvements to procedures * Maximize use of loan origination system * Evaluate the entire credit package and collateral for residential mortgage loans * Ensure an "investment" quality loan product Additional Essential Functions * Ensure compliance with Northwest's policies and procedures, and Federal/State regulations * Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency * Work as part of a team * Work with on-site equipment Additional Responsibilities * Perform related duties as directed by manager Safety and Health for those without supervisory duties * Abide by the rules of the safety and loss prevention program * Perform work tasks in a safe manner * Report any and all injuries to supervisor * Know what to do in case of an emergency QUALIFICATIONS To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education Associate's Degree Work Experience 5 - 6 years mortgage experience 5 - 6 years experience underwriting loans and management experience General Employee Knowledge, Skills, and Abilities * Ability to establish effective working relationships among team members and participate in solving problems and making decisions * Ability to present and express ideas and information clearly and concisely in a manner appropriate to the audience, whether oral or written * Ability to actively listen to what others are saying to achieve understanding, sharing information with others and facilitating the open exchange of ideas and information * Ability to establish courses of action for self to accomplish specific goals, develop and use tracking systems for monitoring own work progress, and effectively use resources such as time and information * Ability to make right decisions based on perceptive and analytical processes, practicing good judgment in gray areas Additional Knowledge, Skills and Abilities Knowledge of RESPA 2010, MDIA, Dodd Frank, HVCC regulations, Freddie / Fannie lending guidelines, and automated underwriting and guidelines Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.

What Makes a Honda, is Who makes a Honda Honda has a clear vision for the future, and it's a joyful one. We are looking for individuals with the skills, courage, persistence, and dreams that will help us reach our future-focused goals. At our core is innovation. Honda is constantly innovating and developing solutions to drive our business with record success. We strive to be a company that serves as a source of “power” that supports people around the world who are trying to do things based on their own initiative and that helps people expand their own potential. To this end, Honda strives to realize “the joy and freedom of mobility” by developing new technologies and an innovative approach to achieve a “zero environmental footprint.” We are looking for qualified individuals with diverse backgrounds, experiences, continuous improvement values, and a strong work ethic to join our team. If your goals and values align with Honda's, we want you to join our team to Bring the Future! Job Purpose Underwrite residential mortgage and equity loans that comply with federal regulations, state regulations, secondary market guidelines, credit union policies and procedures while participating in the credit union's objective of exceeding expectations with each member. Key Accountabilities Reviews, interprets and analyzes loan applicants' credit histories, income and assets, tax returns, financial statements, and other complex financial information to render a loan decision, and effectively present loans to management when necessary Examines loan documentation to ensure Compliance with various state and federal regulations and guidelines. Works with management to identify and manage new regulatory procedures Restructures loans to mitigate risk Works closely and effectively with MLOs, Processors and Closer Reviews appraisals and titles for accuracy and ensure all title requirements are met. Works with title companies to resolve title/survey issues Ongoing education and training: Mentor RE staff and MSRs with underwriting training Qualifications, Experience, and Skills High School Diploma or General Education Diploma Understanding of Appraisal and Title requirements Four years related experience in Underwriting Real Estate loans and/or Relevant training Working knowledge of State and Federal lending regulations Working knowledge of Secondary Market Guidelines Knowledge of Microsoft Office Suite, Loan Origination Systems, and Automated Underwriting Systems Reasoning ability to structure loan offers, understand regulations, and policies and procedures A What differentiates Honda and make us an employer of choice? Total Rewards: Competitive Base Salary (pay will be based on several variables that include, but not limited to geographic location, work experience, etc.) Paid Overtime Regional Bonus (when applicable) Industry-leading Benefit Plans (Medical, Dental, Vision, Rx) Paid time off, including vacation, holidays, shutdown Company Paid Short-Term and Long-Term Disability 401K Plan with company match + additional contribution Relocation assistance (if eligible) Career Growth: Advancement Opportunities Career Mobility Education Reimbursement for Continued Learning Training and Development programs Additional Offerings: Tuition Assistance & Student Loan Repayment Lifestyle Account Childcare Reimbursement Account Elder Care Support Wellbeing Program Community Service and Engagement Programs Product Programs Honda is an equal opportunity employer and considers qualified applicants for employment without regard to race, color, creed, religion, national origin, sex, sexual orientation, gender identity and expression, age, disability, veteran status, or any other protected factor.

Originates commercial loans, promotes commercial banking institution and its lending and depository services to the community and helps to identify and serve the community's financial needs by participating in community activities. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. * Solicits commercial loans and deposit relationships for the commercial banking institution. Informs prospective commercial loan clients of the institution's underwriting guidelines and applicable government regulations. * Takes loan applications, negotiates terms and closes loans on major projects and substantial loan requests. * Evaluates and negotiates potential customer loan requests and makes loan approval recommendations to management, including analyzing applicant's credit history, repayment capabilities, and collateral specifications. * Communicates complex approvals or denials to the borrower. * Markets the commercial banking institution's ancillary products and services to clients. * Manages the clients banking accounts for the life of the client's relationship. * Actively participates in the institution's community activities and maintains close contact with local business owners, potential high net worth clients and prospects. * Commercial and industrial lending experience a plus. Job Requirements * Bachelor's degree in business, finance or related field. * 10+ years of experience in a commercial banking setting. * Knowledge of commercial lending policies and procedures including state and federal regulations. * Strong sales, organizational and interpersonal communication skills. * Excellent oral and written communication skills in order to effectively communicate with customers about the commercial banking programs and policies. * Strong financial and analytical skills. Equal Opportunity Employer/Veterans/Disabled

JobID: 210684481 JobSchedule: Full time JobShift: : Chase Auto is a leading provider of auto financing with a portfolio of more than $80 billion in assets and relationships with 75% of U.S. franchised automotive dealers. The business is part of the JPMorgan Chase franchise and serves auto dealers, consumers, and vehicle manufacturers. It offers a range of products and services to meet the financial needs of its clients from retail lending, captive financing, and floorplan products to cash management, private banking, and payment processing. As a Banker III in Chase Auto/Dealer Commercial Services (DCS) , you will be managing an existing loan and deposit portfolio of automotive dealerships. You will build and maintain relationships with dealership key decision makers, dealer groups, manufacturer partners, and existing clients. Job responsibilities * Execute the strategies and the business priorities of the Region to grow the business and support current initiatives. * Prospect and grow commercial product offerings, with emphasis on deposit growth, and leverage the existing DCS relationships to grow retail business. * Support Private Label and original equipment manufacturer (OEM) floor plan rooftop goals. * Manage the profitability and performance of assigned portfolio. * Partner effectively with Merchant Services, Investment Bank, Credit Card, Private Bank and Consumer Bank to deliver firmwide value to our clients. * Analyze and document the effectiveness of sales performance and results as related to KPMs. * Serve as a subject matter expert for the regional sales team; provide mentoring, leadership, and training as needed. * Adhere to the firm's Code of Conduct and controls/compliance. Required qualifications, capabilities and skills * Bachelor's degree * 10+ years of experience in commercial banking or business banking. * Strong knowledge and understanding of Deposits and Treasury products and solutions. * Experience in asset-based lending, floorplan financing, commercial real estate, and acquisition financing. * Minimum ten years proven relationship building and influencing skills, with the ability to establish credibility and strong client relationships, as well as partnerships with senior business and control partners. * Knowledge of accounting principles and financial statement analysis * Strategic thinker who supports the goals and direction of the firm * Ability to partner across lines of businesses and leverage internal resources. * Strong knowledge of regulatory and control framework Preferred qualifications, capabilities and skills * MBA * Knowledge of consumer lending * Formal credit training * Automotive industry THIS IS A WORK FROM HOME POSITION BUT WILL BE COVERING THE VIRGINIA MARKET. TRAVEL WILL BE 50-60%.