Property Underwriter jobs at Gen Re - 113 jobs

MSIG USA continues to grow! MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world's top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business's unique risks. Summary/Job Purpose: Underwrites profitable property business on a nationwide basis in accordance with Corporate goals. Essential Functions: Selects and underwrites complex property risks within delegated underwriting authority. Reviews applications and requirements to determine acceptability of risk in accordance with Company guidelines and standards. Perform all aspects of the underwriting process and due diligence including review and analysis of financial documents and individual risk factors. Applies appropriate pricing techniques according to company filings and state/bureau conformance. Monitors underwriting results, premium and loss trends within assigned book of business. Deliver quality service to brokers and customers within established service metrics for new, renewal and interim requests. Develop and cultivate new and existing broker and customer relationships in assigned territory. Work with brokers and clients to create customized insurance solutions. Source new business opportunities through a strong broker and client network. Prepares or analyzes information on adverse underwriting decisions, rate appeals, underwriting requirements, status and declinations in order to drive results within the assigned territory. Document accounts in accordance with regulatory and internal underwriting guidelines. Establishes and executes effective and efficient producer and client visits (with appropriate business units - Risk Engineering, Claims and Marketing Representatives) in order to maintain and increase new business. Enhances technical expertise in the area of Industrial and Global property underwriting including assisting in Underwriting Manager in the training and development of department staff. Supervisory Responsibilities: This position has no supervisory responsibilities. 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 and Experience Required: Bachelor's degree (B. A.) required 7+ years of related multi-line background required. Existing producer relationships preferred. Must have demonstrated negotiation and production skills. Excellent verbal and written communication skills SALARY: The estimated salary range for this position is $110,000 to $150,000 per year. This is a good-faith assessment of the salary range for this position only. In determining the actual salary within this range, MSIG USA will consider a candidate's relevant experience, location, and other job-related factors. It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group! It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.

At Globe Life, we are committed to empowering our employees with the support and opportunities they need to succeed at every stage of their career. We take pride in fostering a caring and innovative culture that enables us to collectively grow and overcome challenges in a connected, collaborative, and mutually respectful environment that calls us to help Make Tomorrow Better. Role Overview: Could you be our next Sr. Life Insurance Underwriter? Globe Life is actively networking with experienced Sr. Life Insurance Underwriters who are open to new opportunities! In this role, you will be responsible for evaluating life insurance applications, making critical decisions on risk selection, and determining whether to issue standard rates or decline applications. Guided by underwriting standards and written guidelines, you'll implement underwriting policies and procedures to efficiently process new business while also collaborating with other departments. This is a remote / work-from-home position. What You Will Do: Screen life insurance applications, including trial applications, to select risks and determine standard, rate, or reject disposition. Implement underwriting policies and procedures for new business processing and other department processes. Utilize Swiss Re Underwriting manual and internal company notes to implement medical guidelines. Report and interpret MIB codes, as well as evaluate results of oral saliva tests and agent verification calls. Review and assess motor vehicle records (MVRs), prescription histories (Rx), medical records (APSs), and paramedical exams/lab results. Respond to customer inquiries regarding dispositions and evaluate health information received with add-ons, modifications, and reinstatements. Act as the underwriting contact for top-level Agents for information and escalated issues, handling sensitive cases and positive drug screens. Manage aging cases and referrals from other underwriters and screeners. Assist in training underwriters and screeners and support other necessary underwriting areas as directed by department management. What You Can Bring: Some college coursework; Bachelor's degree preferred; will consider 5+ years of life insurance experience in place of a degree. Required certifications: LOMA 280/281, LOMA 290/291; pursuit of FLMI preferred; consideration given to other industry courses. Mandatory certification in LOMA Underwriting (UND) and knowledge of medical terminology. Minimum of 3 years' experience in an Underwriter role or above. Daily application of critical thinking and complex problem-solving skills. Strong verbal and written communication skills. Proficiency in PC skills, including Excel, MS Word, and MS Outlook; familiarity with MS Access is a plus. Applicable To All Employees of Globe Life Family of Companies: Reliable and predictable attendance of your assigned shift. Ability to work full time and/or part time based on the position specifications. How Globe Life Will Support You: Looking to continue your career in an environment that values your contribution and invests in your growth? We've curated a benefits package that helps to ensure that you don't just work, but thrive at Globe Life: Competitive compensation designed to reflect your expertise and contribution. Comprehensive health, dental, and vision insurance plans because your well-being is fundamental to your performance. Robust life insurance benefits and retirement plans, including company-matched 401k and pension plan. Paid holidays and time off to support a healthy work-life balance. Parental leave to help our employees welcome their new additions. Subsidized all-in-one subscriptions to support your fitness, mindfulness, nutrition, and sleep goals. Company-paid counseling for assistance with mental health, stress management, and work-life balance. Continued education reimbursement eligibility and company-paid FLMI and ICA courses to grow your career. Discounted Texas Rangers tickets for a proud visit to Globe Life Field. Opportunity awaits! Invest in your professional legacy, realize your path, and see the direct impact you can make in a workplace that celebrates and harnesses your unique talents and perspectives to their fullest potential. At Globe Life, your voice matters.

Primary Duties & Responsibilities At Globe Life, we are committed to empowering our employees with the support and opportunities they need to succeed at every stage of their career. We take pride in fostering a caring and innovative culture that enables us to collectively grow and overcome challenges in a connected, collaborative, and mutually respectful environment that calls us to help Make Tomorrow Better. Role Overview: Could you be our next Sr. Life Insurance Underwriter? Globe Life is actively networking with experienced Sr. Life Insurance Underwriters who are open to new opportunities! In this role, you will be responsible for evaluating life insurance applications, making critical decisions on risk selection, and determining whether to issue standard rates or decline applications. Guided by underwriting standards and written guidelines, you'll implement underwriting policies and procedures to efficiently process new business while also collaborating with other departments. This is a remote / work-from-home position. What You Will Do: * Screen life insurance applications, including trial applications, to select risks and determine standard, rate, or reject disposition. * Implement underwriting policies and procedures for new business processing and other department processes. * Utilize Swiss Re Underwriting manual and internal company notes to implement medical guidelines. * Report and interpret MIB codes, as well as evaluate results of oral saliva tests and agent verification calls. * Review and assess motor vehicle records (MVRs), prescription histories (Rx), medical records (APSs), and paramedical exams/lab results. * Respond to customer inquiries regarding dispositions and evaluate health information received with add-ons, modifications, and reinstatements. * Act as the underwriting contact for top-level Agents for information and escalated issues, handling sensitive cases and positive drug screens. * Manage aging cases and referrals from other underwriters and screeners. * Assist in training underwriters and screeners and support other necessary underwriting areas as directed by department management. What You Can Bring: * Some college coursework; Bachelor's degree preferred; will consider 5+ years of life insurance experience in place of a degree. * Required certifications: LOMA 280/281, LOMA 290/291; pursuit of FLMI preferred; consideration given to other industry courses. * Mandatory certification in LOMA Underwriting (UND) and knowledge of medical terminology. * Minimum of 3 years' experience in an Underwriter role or above. * Daily application of critical thinking and complex problem-solving skills. * Strong verbal and written communication skills. * Proficiency in PC skills, including Excel, MS Word, and MS Outlook; familiarity with MS Access is a plus. Applicable To All Employees of Globe Life Family of Companies: * Reliable and predictable attendance of your assigned shift. * Ability to work full time and/or part time based on the position specifications. How Globe Life Will Support You: Looking to continue your career in an environment that values your contribution and invests in your growth? We've curated a benefits package that helps to ensure that you don't just work, but thrive at Globe Life: * Competitive compensation designed to reflect your expertise and contribution. * Comprehensive health, dental, and vision insurance plans because your well-being is fundamental to your performance. * Robust life insurance benefits and retirement plans, including company-matched 401k and pension plan. * Paid holidays and time off to support a healthy work-life balance. * Parental leave to help our employees welcome their new additions. * Subsidized all-in-one subscriptions to support your fitness, mindfulness, nutrition, and sleep goals. * Company-paid counseling for assistance with mental health, stress management, and work-life balance. * Continued education reimbursement eligibility and company-paid FLMI and ICA courses to grow your career. * Discounted Texas Rangers tickets for a proud visit to Globe Life Field. Opportunity awaits! Invest in your professional legacy, realize your path, and see the direct impact you can make in a workplace that celebrates and harnesses your unique talents and perspectives to their fullest potential. At Globe Life, your voice matters. Location: McKinney, Texas

With over 25 years of experience, JMAC Lending has established itself as a leader in the industry. We pride ourselves on our innovative products, outstanding service, and unwavering commitment to supporting our partners in growing their businesses. Our culture revolves around surpassing conventional market options, positioning us as the preferred lender for our clients. Our team boasts impressive credentials and participates in ongoing education to blend knowledge with experience seamlessly. Built on a foundation of the highest ethical standards, our company excels in delivering competitive product pricing for wholesale and correspondent lending to our valued clients. The Opportunity: This role entails underwriting agency and non-agency loans (including both Manual and AUS), alongside Alternative Doc loans. You'll play a crucial part in evaluating supporting documentation to determine borrowers' creditworthiness and their capacity to fulfill mortgage obligations. This includes reviewing a variety of documents such as credit reports, income and asset documentation, appraisals, collateral reports, and fraud prevention tools, as well as any other necessary paperwork to make informed decisions. This is a Full-Time/Fully Remote opportunity with working hours from 8:00am-5:00pm PT Monday-Friday offering competitive pay ranging from $90,000 to $110,000 annually plus bonus. Key Responsibilities: Conduct a comprehensive and precise analysis of all loan documents, including the AUS decision report, credit report, various income sources (both complex personal and business returns), assets, preliminary title report, appraisal, purchase agreement, escrow instructions, occupancy verification, as well as performing checks for red flags and potential fraud. Underwrite NON-QM, Jumbo, and Fixed Rate Second Mortgage programs. Review multiple income types including Full Doc, DSCR, Asset Utilization, Asset Depletion, Bank Statements(Business, Personal, and Co-mingled), P&L, 1099, Foreign National. Complete income calculations using both manual and system-based methods for all listed income types. Meticulously manage loan files and clear any conditions, demonstrating both attention to detail and a sense of urgency to meet customer needs. Accurately log loan data and decisions into our operating system, ensuring precision at every step. Review transaction matrices and internal investor overlays to guarantee compliance with all investor guidelines. Apply and uphold effective fraud detection methods. Proactively request additional information or documentation as needed, and identify risk factors that may affect the quality of the loan file. Assist in resolving any pre-funding or post-purchase loan issues by collaborating with the post-closing department to address any outstanding conditions or concerns. Communicate loan decisions clearly and professionally via phone or email to foster positive and productive relationships with colleagues and clients. Maintain open channels of communication with brokers and sales staff to ensure all inquiries are addressed promptly, showcasing exceptional customer service skills. Requirements Must have recent underwriting experience with all Conventional loans products for a minimum of 5 years and is current on all updated guidelines, policies, and procedures. Current jumbo, non-agency, and alternative document experience for at least 3 years. Must be able to multi-task in a fast-paced environment while maintaining a high level of quality. Extensive knowledge of all FNMA/FHLMC and investor guidelines. Extensive knowledge of complex tax returns including multiple businesses and multiple financed properties. Able to multitask within multiple product suites. Maintain quality and production standards as set forth by management. Strong attention to detail, organization, and communication skills. Ability to work independently and adapt to a constantly changing environment Communication skills, verbal and written, capable of expressing complex issues and soliciting input from a broad audience. Must comply with all BSA/AML requirements as well as any mandatory changes. Benefits Comprehensive Health Care Plan (including Medical, Dental, & Vision) Life Insurance Options (Basic, Voluntary & Accidental Death & Dismemberment) Generous Paid Time Off (for Vacation & Holidays) Secure Retirement Plan (401k) Short-Term & Long-Term Disability Coverage Family Leave Benefits Access to Wellness Resources JMAC Lending, Inc. is an Equal Employment Employer. We are committed to workforce diversity. Qualified applicants will receive consideration without regards to age, race, religion, sex, sexual orientation, gender identity or national origin. DISCLAIMER: JMAC Lending is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

With over 25 years of experience, JMAC Lending has established itself as a leader in the industry. We pride ourselves on our innovative products, outstanding service, and unwavering commitment to supporting our partners in growing their businesses. Our culture revolves around surpassing conventional market options, positioning us as the preferred lender for our clients. Our team boasts impressive credentials and participates in ongoing education to blend knowledge with experience seamlessly. Built on a foundation of the highest ethical standards, our company excels in delivering competitive product pricing for wholesale and correspondent lending to our valued clients. The Opportunity: The Conventional Underwriter will evaluate and analyze residential loan applications in line with investor, agency, and internal standards. Scrutinize loan documentation for accuracy and completeness to ensure compliance with eligibility criteria, thereby reducing the potential for risk or loss for the company. Must also collaborate effectively with wholesale brokers, Account Executives, and Operations personnel. All while delivering exceptional customer service through clear communication and close attention to detail. This is a Full-Time/Remote opportunity with varying working hours across UW time zones Monday-Friday offering competitive pay ranging from $77,000 to $92,000 annually plus bonus. Key Responsibilities: Conduct a meticulous and precise examination of all loan documents, including the AUS decision report, credit report, various income sources including complex personal and business tax returns, assets, preliminary title report, appraisal, purchase agreement, escrow instructions, occupancy verification, and checks for red flags and potential fraud. Enter data into DU/LP systems and execute the final AUS assessment. Uphold the quality and production benchmarks established by management. Review underwriter files and resolve conditions on loans with exceptional attention to detail and an urgent approach for the benefit of our customers. Accurately input loan data and decisions into the current operating system. Scrutinize transaction matrices and both internal and investor overlays to guarantee adherence to investor guidelines. Implement and uphold fraud detection methods. Solicit additional information/documentation as needed and identify risk factors that may undermine the overall quality of the loan file. Assist in resolving any pre-funding or post-purchase loan discrepancies by collaborating with the post-closing department to address any unresolved conditions or issues. Communicate loan decisions clearly, either verbally or via email, in a professional and constructive manner to foster strong working relationships with coworkers and customers. Maintain regular communication with brokers and sales personnel to ensure prompt responses to inquiries while exemplifying exceptional customer service skills. Requirements Candidate should possess recent underwriting experience with a variety of Conventional loan products for at least 2 years and should be up-to-date with all the latest guidelines, policies, and procedures. The ability to juggle multiple tasks in a dynamic, fast-paced environment while ensuring the highest quality standards is essential. In-depth understanding of all FNMA/FHLMC and investor guidelines is required. Exceptional attention to detail, strong organizational skills, and excellent communication abilities are crucial. Outstanding verbal and written communication skills are necessary to articulate complex issues clearly and gather insights from a diverse audience. Benefits Comprehensive Health Care Plan (including Medical, Dental, & Vision) Life Insurance Options (Basic, Voluntary & Accidental Death & Dismemberment) Generous Paid Time Off (for Vacation & Holidays) Secure Retirement Plan (401k) Short-Term & Long-Term Disability Coverage Family Leave Benefits Access to Wellness Resources JMAC Lending, Inc. is an Equal Employment Employer. We are committed to workforce diversity. Qualified applicants will receive consideration without regards to age, race, religion, sex, sexual orientation, gender identity or national origin. DISCLAIMER: JMAC Lending is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

Come join our amazing team and work remote from home! The Loss Mitigation Underwriter II will be responsible for underwriting loss mitigation applications in accordance with Treasury, Company and Investor guidelines while following company's policies and procedures under general supervision. Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, wherein the company operates. The Loss Mitigation Underwriter II level is the Intermediate level role in the job family and generally handles the moderately complex underwriting files while gaining additional knowledge and experience on the more complex files. The target pay range for this position is $25.00-$27.00 per hour. . What you'll do: * Perform a thorough analysis to ensure the quality of each loan and to determine compliance with Treasury, Company and Investor guidelines. * Conduct Verification of Income (VOI). * Calculate customer's front and back-end debt to income ratio. * Verify occupancy, hardship and income. * Apply payment waterfall to determine workout eligibility (repurchase plans, forbearances, modifications or liquidation options). * If applicable, identify the type(s) and amounts of liquid assets the borrower holds. * Determine and communicate needed conditions to properly document the file (reason for default letter, updated pay stubs, bankruptcy papers, etc.). * Complete system tasks as required to maintain compliance with Treasury, Company and Investor guidelines. * Document final decision and update system of record. * Perform other duties as assigned. What you'll need: * High school diploma or equivalent required. * Two (2) to three (3) years of underwriting background or servicing/loss mitigation experience Our Company: Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full-lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope you'll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: *************************** What We Offer: * Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed. * Access to several fitness, restaurant, retail (and more!) discounts through our employee portal. * Customized training programs to help you advance your career. * Employee referral bonuses so you'll get paid to help Carrington and Vylla grow. * Educational Reimbursement. * Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org. #LI-GV1

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You'll get unwavering support from all departments and total transparency from the top down. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program. Position Overview: The Collateral Underwriter is responsible for the assessment of all subject collateral originated though the retail platform for conventional loans. Job Responsibilities: Analyze, evaluate, and decision appraisal reports in accordance with all agency and investor guidelines and standards. Complete comprehensive collateral reviews in a timely manner to meet service level expectations. Maintain a pipeline and communicate issues to Appraisers, Processor, and Originators. Remain informed and current on all agency and investor guidelines and updates. Maintain a high level of customer service. Collaborate with the Post Closing Department on any stipulations for closed files. Perform other duties as assigned. Qualifications and Skills: 3 years' mortgage underwriting experience. Experience in collateral underwriting, preferred. Working knowledge of all agency and investor underwriting policies. Excellent prioritization and time management skills. Excellent communication and customer service skills. Advanced analytical skills. Proficient in Microsoft Office Suite. This is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position. Pay Range: Hourly Rate: $33.65-$38.46 The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position. CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: ********************************** California residents: Please see CrossCountry's privacy statement for information about how CrossCountry collects and uses personal information about California applicants. CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual's association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit ***************************

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You'll get unwavering support from all departments and total transparency from the top down. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program. Position Overview: The Quality Control Underwriter performs daily in-depth file reviews on each quality control audit assigned. Job Responsibilities: Perform Prefunding QC loan audits on an assigned population of loans, ensuring quality and risk standards are maintained within the loan file. Perform risk evaluations on mortgage loans. Complete complex analysis on all types of loan products. Conduct evaluations of underwriting decisions. Effectively communicate findings and potential resolutions to responsible departments. Document to management the concerns or discrepancies for needed corrective action. Provide support and assistance to department when needed. Qualifications and Skills: Bachelor's degree and/or equivalent combination of education/experience in mortgage underwriting. 5+ years' experience in underwriting mortgage loans. Knowledge of agency and investor guidelines. DE, LAPP, and SAR preferred. Experience with Encompass LOS system, a plus. Excellent communication skills. Advanced attention to detail and organization skills. Excellent prioritization and time management skills. Proficient in Microsoft Office: Outlook, Excel, Word, PowerPoint. This is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position. Pay Range: Hourly Rate: 40.86 - 50.48 The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position #LI-CCMREC CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: ********************************** California residents: Please see CrossCountry's privacy statement for information about how CrossCountry collects and uses personal information about California applicants. CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual's association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit ***************************

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You'll get unwavering support from all departments and total transparency from the top down. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program. Position Overview: The Condo Underwriter is responsible for reviewing documentation for all new and existing condominium and cooperative projects to ensure compliance with internal policies and procedures, as well as the requirements of Fannie Mae, Freddie Mac, FHA and VA. This position primarily operates within Pacific Time zone working hours to support the West Coast region. Job Responsibilities: Ensure condominium and cooperative projects are underwritten accurately and in a timely manner. Maintain approved and declined condominium and cooperative projects lists and manage expiration dates. Manage lender concentration. Maintain condominium and cooperative projects documentation and requirements as dictated by the agencies and investors. Retain and manage project files. Ensure cooperatives meet Fannie Mae and Freddie Mac guidelines. Ensure condominiums meet Fannie Mae, Freddie Mac, and FHA/ VA guidelines. Determine eligibility of a project (underwrite budget, financials, questionnaire, etc.). Perform legal reviews of the projects (i.e. review by laws, offering plan, etc.). Deliver excellent customer service to Sales and Operations staff. Qualifications and Skills: 5+ years' project review experience. 5+ years' experience related to mortgage credit guidelines, policies and procedures. 5 years' experience with FNMA/ Freddie/ FHA underwriting guidelines. Experience with investor guidelines. Knowledge of Fannie Mae, Freddie Mac and FHA/ VA condominium's websites and all regulations. Excellent organizational skills. This is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position. Pay Range: Hourly Rate: 33.65 - 38.46 The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position #LI-CCMREC CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: ********************************** California residents: Please see CrossCountry's privacy statement for information about how CrossCountry collects and uses personal information about California applicants. CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual's association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit ***************************

CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You'll get unwavering support from all departments and total transparency from the top down. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program. Position Overview: The Non-QM Underwriter is responsible for underwriting and maintaining a loan pipeline while communicating with internal loan teams and external lenders. The Non-QM Underwriter maintains extensive product and guideline knowledge of all Non-QM lenders and assists loan teams and underwriting teams with questions and issue resolution. Job Responsibilities: Underwrite Non-QM and Non-Agency loan products, including but not limited to Bank Statement Income Analysis, Asset Depletion, DSCR No Ratio, Foreign National, and Self-Employment. Maintain an underwriting pipeline of new loans and resubmissions that meet standard service level agreements. Evaluate and examine loan files to ensure accuracy, completeness, and compliance with investor and agency guidelines. Issue loan decisions to sales and operations staff in a clear and concise manner. Communicate with operations, sales staff, business partners (lenders and investors), maintaining a high level of customer service. Issue final approval by uploading all necessary approval documentation into the company's software systems with appropriate signatures. Collaborate with the Post-Closing department on any stipulations for closed files; communicate process and outcome to underwriters and management. Perform other related duties as assigned by management. Qualifications and Skills: Bachelor's degree and/or equivalent combination of education and experience. 4+ years of mortgage underwriting experience. Experience with Non-QM and Non-Agency underwriting. Experience with manual underwriting. Experience with compliance and disclosure requirements. Encompass LOS experience, a plus. Advanced prioritization, time management, and problem-solving skills, maintaining attention to detail. Excellent communication skills. Proficient in Microsoft Word, Excel, and Outlook. This is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position. Pay Range: Hourly Rate: 43.26 - 48.07 Bonus Eligible if applicable The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: ********************************** California residents: Please see CrossCountry's privacy statement for information about how CrossCountry collects and uses personal information about California applicants. CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual's association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit ***************************

An established mortgage banker is seeking an experienced DE/VA Mortgage Underwriter to join its team. Please note both designations are required for consideration. We're looking for a collaborative underwriter who thrives on engaging with the origination team and is comfortable picking up the phone to ensure clear communication and accurate loan decisions. Responsibilities Evaluate mortgage loan applications to ensure compliance with company policies and federal/state regulations Analyze borrower financials, credit reports, and property appraisals to determine eligibility Assess risk and provide thorough loan decisions with clear explanations and conditions Collaborate closely with processors, loan officers, and stakeholders to resolve questions and expedite the process Stay up-to-date with industry trends, guidelines, and best practices Qualifications Active DE and VA underwriting certification required Must have used DE and VA designation within the last 11 months Minimum 5 years of residential mortgage underwriting experience Proven history of longevity in prior roles (average tenure, no frequent job changes) Strong understanding of FHA, VA, Conventional, Non-QM, and Jumbo products Experience with Encompass strongly preferred Excellent analytical, organizational, and problem-solving skills Strong communication skills and ability to collaborate effectively in a team environment Compensation & Benefits Salary: $85,000 - $105,000 per year Exempt role (no paid overtime0 Discretionary bonus Full benefits package including: Medical, Dental, Vision, Life Insurance 401(k) with employer contribution Paid vacation and sick time Please note that National Mortgage Staffing does not determine the salary, requirements, or qualifications for this role. We are contractually required to follow the criteria set forth by our clients. Thank 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.

At AIG, we are reimagining the way we help customers to manage risk. Join us as an Underwriter II, National Accounts, Financial Institutions, Financial Lines to play your part in that transformation. It's an opportunity to grow your skills and experience as a valued member of the team. Make your mark in Underwriting AIG Underwriting teams help to find insurance solutions in areas including Financial Lines, Property, Casualty, Specialty Lines, Cyber, and Multinational Clients. We are reimagining how we help customers to manage risk, transforming our operating model and reshaping our role responsibilities and career pathways. The goal is to unlock the full potential in each colleague - empowering our people to grow as insurance professionals and add more value to our customers and AIG. How you will make an impact We have an exciting opportunity for an Underwriter II on our National Accounts, Financial Institutions team in New York. This role underwrites under general supervision, issuing quotes and policies while ensuring standards and compliance guidelines are met. These individuals will analyze information and can have an opportunity to connect with clients and brokers. Responsibilities include: Evaluating, prioritizing, and selecting submissions to be underwritten. Demonstrating technical underwriting skills through strategic, thorough account reviews and file documentation. Exercising judgment, negotiating, and making sound business decisions effectively based on level of authority. Adhering to guidelines and underwriting discipline to minimize exposure and appropriately price risks Working with management, brokers, clients, and outside counsel on contract terms and conditions on a portfolio of mainstream and complex risks. Participating in various underwriting and marketing initiatives to improve company results and drive portfolio strategies. Identifying opportunities for growth within new and existing production sources. Working with management to develop unique local broker strategies for assigned brokers to drive profitable results in line with product objectives. Ensuring our marketing initiatives are achieved and that consistent communication of our risk appetite and value proposition are provided to our brokers and clients. Representing AIG at client and broker functions with supervision as necessary/appropriate. Providing superior customer service to brokers and clients (internal & external). What you'll need to succeed 2+ years of relevant professional experience. Commercial Insurance Company, Agency or Brokerage experience preferred. Bachelor's degree from a four-year college or university preferred. Demonstrated sales, marketing, and relationship building experience. Working knowledge of the US Financial Lines business (D&O, EPL, PTL, Cyber, Fidelity) including product features, forms, regulatory environment, and risks etc. Strong verbal and written communication skills. Ability to work in dynamic, rapidly changing environment, adapting to changing requirements and collaborating with a wide range of colleagues to quickly deliver solutions, especially regarding technical aspects. Comfort with financial statements, analytical tools and technology. Ready to take your career to the next level? We would love to hear from you. For positions based in New York, NY, the base salary range is $75,000 - $100,000. In addition, the position is eligible for a bonus in accordance with the terms of the applicable incentive plan. We're proud to offer a range of competitive benefits, a summary of which can be viewed here: US Benefits Overview At AIG, we value in-person collaboration as a vital part of our culture, which is why we ask our team members to be primarily in the office. This approach helps us work together effectively and create a supportive, connected environment for our team and clients alike. #LI-AIG At AIG, we value in-person collaboration as a vital part of our culture, which is why we ask our team members to be primarily in the office. This approach helps us work together effectively and create a supportive, connected environment for our team and clients alike. Enjoy benefits that take care of what matters At AIG, our people are our greatest asset. We know how important it is to protect and invest in what's most important to you. That is why we created our Total Rewards Program, a comprehensive benefits package that extends beyond time spent at work to offer benefits focused on your health, wellbeing and financial security-as well as your professional development-to bring peace of mind to you and your family. Reimagining insurance to make a bigger difference to the world American International Group, Inc. (AIG) is a global leader in commercial and personal insurance solutions; we are one of the world's most far-reaching property casualty networks. It is an exciting time to join us - across our operations, we are thinking in new and innovative ways to deliver ever-better solutions to our customers. At AIG, you can go further to support individuals, businesses, and communities, helping them to manage risk, respond to times of uncertainty and discover new potential. We invest in our largest asset, our people, through continuous learning and development, in a culture that celebrates everyone for who they are and what they want to become. Welcome to a culture of inclusion We're committed to creating a culture that truly respects and celebrates each other's talents, backgrounds, cultures, opinions and goals. We foster a culture of inclusion and belonging through learning, cultural awareness activities and Employee Resource Groups (ERGs). With global chapters, ERGs are a cornerstone for our culture of inclusion. The talent of our people is one of AIG's greatest assets, and we are honored that our drive for positive change has been recognized by numerous recent awards and accreditations. AIG provides equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories. AIG is committed to working with and providing reasonable accommodations to job applicants and employees with disabilities. If you believe you need a reasonable accommodation, please send an email to *********************. Functional Area: UW - UnderwritingRisk Specialists Companies Insurance Agency, Inc.

National Account Chief UW GB - UO07FESr UW Natl Acct - UO08GE We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals - and to help others accomplish theirs, too. Join our team as we help shape the future. We're in the business of helping people achieve amazing things by protecting the things that matter most. And you can help us when you join our team of underwriters. They're at the center of everything we do - and by joining us, you'll be on a team known throughout the industry for providing our customers with just the right amount of coverage they need to pursue their unique interests. Your underwriting career here means collaboration, inclusivity, innovative thinking and so much more. Here, doing things the way they've always been done isn't a part of the job. Here, you'll be putting your creative insights to work with other underwriters and leaders, having a seat at the table with key decision makers. And you'll have any number of opportunities for your career to grow in whatever direction you choose. Experience: Responsible for the overall management of Group Life & Disability underwriting (5,000 or more lives) for National Accounts. Includes all pre and post-sale underwriting, profit management, renewal processing, policy issue and changes for assigned business segment. Demonstrates a solid, consistent technical proficiency of underwriting guidelines and underlying risk management philosophy. Establishes solid relationships with all internal and external business partners. Actively drives and participates in an assigned amount of project work and special assignments. Partners with the field to ensure deliver on service goals. Quotes new business opportunities for Core products and underwrites renewals. Works directly with sales representatives and brokers on new business, renewals, and service issues Demonstrates advanced understanding of the elements of pricing to include risk factors, retention, and reinsurance. Interfaces with the sales force regarding underwriting issues and decisions Negotiates prices and benefits with sales representatives and brokers. Mentors Regional Account underwriters and other staff members Look to leverage additional resources around key cases to facilitate better risk management, stimulate innovative thinking, provide creative solutions and potentially different perspectives. Seek to understand your individual marketplace dynamics and those of the general market to maximize our chances of success. You'll Be a Good Match if You Have: A customer-first mindset, putting our customers at the center of everything you do. A passion for making decisions through both analyzing h data and employing critical thinking skills. A team spirit and desire to work collaboratively. A financial mindset to help make the best decisions. Ability to own our work and following through on commitments. Qualifications: Bachelor's Degree strongly preferred, or equivalent combination of education, training, and experience 5 years of Employee Benefits underwriting experience Demonstrated success in developing and maintaining solid relationships with all internal and external business partners. Excellent communication, interpersonal and presentation skills An ability to think analytically about business problems, make recommendations and propose solutions. High energy self-starter, who is resilient and has an entrepreneurial spirit. Demonstration of solid time, organizational, and desk management skills Goal-oriented and delivers outcomes. Ability to challenge the status quo and compete to win. Superior technical knowledge and sound decision-making and analytical skills ***This position can be filled at different levels depending on experience. Salary - $88,080 - $149,400 Compensation The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford's total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is: $88,080 - $149,400 The posted salary range reflects our ability to hire at different position titles and levels depending on background and experience. Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age About Us | Our Culture | What It's Like to Work Here | Perks & Benefits

National Account Chief UW GB - UO07FESr UW Natl Acct - UO08GE We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals - and to help others accomplish theirs, too. Join our team as we help shape the future. We're in the business of helping people achieve amazing things by protecting the things that matter most. And you can help us when you join our team of underwriters. They're at the center of everything we do - and by joining us, you'll be on a team known throughout the industry for providing our customers with just the right amount of coverage they need to pursue their unique interests. Your underwriting career here means collaboration, inclusivity, innovative thinking and so much more. Here, doing things the way they've always been done isn't a part of the job. Here, you'll be putting your creative insights to work with other underwriters and leaders, having a seat at the table with key decision makers. And you'll have any number of opportunities for your career to grow in whatever direction you choose. Experience: + Responsible for the overall management of Group Life & Disability underwriting (5,000 or more lives) for National Accounts. + Includes all pre and post-sale underwriting, profit management, renewal processing, policy issue and changes for assigned business segment. + Demonstrates a solid, consistent technical proficiency of underwriting guidelines and underlying risk management philosophy. + Establishes solid relationships with all internal and external business partners. + Actively drives and participates in an assigned amount of project work and special assignments. + Partners with the field to ensure deliver on service goals. + Quotes new business opportunities for Core products and underwrites renewals. + Works directly with sales representatives and brokers on new business, renewals, and service issues + Demonstrates advanced understanding of the elements of pricing to include risk factors, retention, and reinsurance. + Interfaces with the sales force regarding underwriting issues and decisions + Negotiates prices and benefits with sales representatives and brokers. + Mentors Regional Account underwriters and other staff members + Look to leverage additional resources around key cases to facilitate better risk management, stimulate innovative thinking, provide creative solutions and potentially different perspectives. + Seek to understand your individual marketplace dynamics and those of the general market to maximize our chances of success. You'll Be a Good Match if You Have: + A customer-first mindset, putting our customers at the center of everything you do. + A passion for making decisions through both analyzing h data and employing critical thinking skills. + A team spirit and desire to work collaboratively. + A financial mindset to help make the best decisions. + Ability to own our work and following through on commitments. Qualifications: + Bachelor's Degree strongly preferred, or equivalent combination of education, training, and experience + 5 years of Employee Benefits underwriting experience + Demonstrated success in developing and maintaining solid relationships with all internal and external business partners. + Excellent communication, interpersonal and presentation skills + An ability to think analytically about business problems, make recommendations and propose solutions. + High energy self-starter, who is resilient and has an entrepreneurial spirit. + Demonstration of solid time, organizational, and desk management skills + Goal-oriented and delivers outcomes. + Ability to challenge the status quo and compete to win. + Superior technical knowledge and sound decision-making and analytical skills ***This position can be filled at different levels depending on experience. Salary - $88,080 - $149,400 Compensation The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford's total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is: $88,080 - $149,400 The posted salary range reflects our ability to hire at different position titles and levels depending on background and experience. Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age About Us (************************************* | Our Culture (******************************************************* | What It's Like to Work Here (************************************************** | Perks & Benefits (********************************************* Every day, a day to do right. Showing up for people isn't just what we do. It's who we are - and have been for more than 200 years. We're devoted to finding innovative ways to serve our customers, communities and employees-continually asking ourselves what more we can do. Is our policy language as simple and inclusive as it can be? Can we better help businesses navigate our ever-changing world? What else can we do to destigmatize mental health in the workplace? Can we make our communities more equitable? That we can rise to the challenge of these questions is due in no small part to our company values that our employees have shaped and defined. And while how we contribute looks different for each of us, it's these values that drive all of us to do more and to do better every day. About Us (************************************* Our Culture What It's Like to Work Here (************************************************** Perks & Benefits Legal Notice (***************************************** Accessibility Statement Producer Compensation (************************************************** EEO Privacy Policy (************************************************** California Privacy Policy Your California Privacy Choices (****************************************************** International Privacy Policy Canadian Privacy Policy (**************************************************** Unincorporated Areas of LA County, CA (Applicant Information) MA Applicant Notice (******************************************** Hartford India Prospective Personnel Privacy Notice

Senior DE Underwriter (Remote - California) Our client is seeking an experienced Senior DE Underwriter to join a growing California-based mortgage lender. This position is fully remote but requires residency in the state of California. The ideal candidate will have a strong underwriting background across both Agency and FHA products, an active Direct Endorsement (DE) certification, and the ability to analyze complex borrower profiles including self-employed income and alternative documentation loans. Key Responsibilities Underwrite and issue loan decisions for Fannie Mae, Freddie Mac, and FHA mortgage loans. Analyze personal and business tax returns, income, assets, credit, and collateral. Evaluate WVOE, P&L, Bank Statement, DSCR, and Asset-based documentation. Ensure loans meet investor and agency compliance standards. Communicate underwriting decisions and conditions clearly to internal teams. Collaborate with Account Managers, Loan Officers, and Brokers to resolve conditions quickly. Maintain accuracy, efficiency, and strong turn times in a high-volume environment. Qualifications Minimum 5 years of residential mortgage underwriting experience. Active FHA Direct Endorsement (DE) required. (used within past 11 months) Proficient in Encompass LOS, CoreLogic FraudGuard, and AUS systems (DU, LPA, Total Scorecard). Strong working knowledge of Agency and FHA guidelines. Skilled at income calculation for self-employed borrowers. Experience with Non-QM or alternative documentation loans preferred. Must be currently employed in the mortgage industry (no gaps exceeding 12 months). Must reside in California. Compensation & Benefits Base Salary: $70,000-$100,000 (based on experience) Bonus: Monthly eligibility after 2 years (based on funding volume) Benefits: Health Insurance, SIMPLE IRA (3% match), PTO, 5 sick days Schedule: Monday-Friday, 8:30 a.m.-5:30 p.m. PST Work Model: Remote - California residents only 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. Thank 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.

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 roles within the last 6 months. 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. Salary: 90-100kThank 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.

Job Description At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. Just as our employees are committed to helping our customers manage their finances, we're committed to our employees. After all, they make it happen for our customers every day. To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities. Responsibilities A Credit Underwriter 2 is responsible for spreading mid to complex financial statements in compliance with Bank standards; preparing Credit Offering Memorandums on mid to complex borrowers in concert with Commercial Lenders for consideration of commercial loan approval; compilation of the borrower's total bank relationship; managing personal workload to ensure completion of assignments within prescribed timelines, making recommendations to Commercial Lenders as to appropriate risk ratings and address of loan policy exceptions, structural weaknesses, appraisal exceptions and environmental waivers; preparing semi-annual reports on trends within industries in which the bank may have potential credit concentrations; and providing guidance and on-the-job training to Credit Underwriter 1s. Prepares financial spreadsheets on existing or potential borrowers using accountant-prepared or company-prepared financial statements, tax returns, budgets and/or projections. Gathers all additional credit information, environmental reports, etc. as required by the structure of the credit request. Prepares Credit Offering Memorandums on mid to complex borrowers, which includes a description of the credit request and all associated structural components; a detail of the borrower's Bank relationship (loans, deposits, cash management, RDC, etc.); corporate historical / projected and personal financial statement and cash flow analysis; detailed collateral evaluation and OCC stress testing on commercial real estate projects; identification of loan policy exceptions and regulatory structural weaknesses; and assessment of appropriate risk rating. Makes recommendations to commercial Lender as to appropriate risk rating and/or changes to the structural elements of the borrower's loan request to eliminate loan policy exceptions or regulatory structural weaknesses. Advises the Commercial Lender of appraisal or environmental requirements that must be approved by the Chief Credit Administrator prior to the loan proposal's submission for approval. Accompanies Commercial Lenders on customer informational calls, as requested. Coordinates the completion of credit assignments with Commercial Lenders and Credit Supervisors/Managers to ensure customer needs are being addressed in a timely manner. Provides basic on-the-job training and technical guidance to Credit Underwriter 1s. As an integral member of the Credit Administration Department, this position is also responsible to provide assistance wherever necessary to help the Credit Administration Department and the Bank in achieving their annual goals. Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner. Qualifications B.S. or B.A. degree in a business related field of study (finance, management, economics, accounting) with at least 6 credits in accounting. Specialized financial analysis training. Proficient reading, writing, grammar, and mathematics skills. Proficient interpersonal and communication skills (both verbal and written). A thorough knowledge of current lending and banking regulations, loan policies, and procedures. Proven ability to analyze and interpret financial statements and information. Moderate loan structuring skills. Technical supervisory skills sufficient to provide guidance and training to Credit Underwriter 1s. Proficient knowledge of Microsoft Word, Excel and all other departmental computer programs. Minimum of two (2) years experience as a Credit Underwriter 1 normally required. All applicants must be 18 years of age or older.

A Day in the Life of an Underwriter • Analyze business financial reports, bank and credit card statements, credit reports, and other information to determine the expected customer risk profile • Utilize the company's proprietary software and models to competitively price approvals • Evaluate each individual business based on multiple factors and provide recommendations for exceptions to senior management • Maintain a high level of accuracy, ensuring that appropriate information is provided to all departments to ensure a seamless funding process • Work closely with Sales and Business Development to provide insight into deal tracking and to answer questions for our customers and partners What You Have • Analytical, with strong attention to detail • 2+ years of Underwriting or relevant work experience • Comfortable conducting business on the phone • Articulate and well spoken • Self-motivated • Strong work ethic and professional attitude • Bachelor's degree required • Financial experience a plus **This role is not eligible for visa sponsorship. All applicants must be authorized to work for any employer in the US. Base Salary: $70,000 About Fora Financial Fora Financial is a technology enabled, leading provider of flexible financing to small and medium sized businesses. Since our inception in 2008, we have supported more than 55,000 merchants nationwide with over $4 billion of capital used for a variety of purposes, from funding everyday operating expenses to managing cash flow gaps to facilitating business expansion, and much more. Leveraging our proprietary technology, Fora Financial is able to deliver capital to our customers via a streamlined and simple process that can be completed in as little as 24 hours, compared with the weeks or even months it often takes for a business to receive a bank loan. Over the past seventeen years, Fora Financial has grown from two founders in a small Manhattan workspace to a company of nearly 200 employees. Fora Financial prides itself on being a partner-centric organization, offering a customized funding approach, collaborating with our small-business customers to understand their needs in a dynamic and ever-changing economic environment. We offer a competitive salary, growth potential, and a casual yet professional hybrid work environment. Located in the heart of midtown Manhattan, you can enjoy lunch downstairs listening to the summer band series or around the corner in Bryant Park. After work, you can hop on a Citi Bike to ride to the Hudson River Park, take a stroll to a show on Broadway or attend an event at Madison Square Garden. Our office sets the stage for our employees' success and well-being. We provide all the tools and support needed to maximize your career potential, in addition to perks and extras like daily breakfasts, endless snacks, catered lunches, a chill lounge/games area and more. While we work very hard, we do not take ourselves too seriously. We enjoy a family-like camaraderie that fosters a passion for success in each Fora Financial Team member. The Benefits of Working for Fora Financial: Opportunity for Advancement Medical, Dental, Vision Coverage 401k Plan with Company Match Gym Reimbursement for Employees on Medical Plans Life Insurance at No Cost to Employees Generous Time Off Plan Flexible Spending and Commuter Benefits Year End Bonus Eligibility Free breakfast, snacks, and weekly lunch in the office Hybrid work option Fora Financial is an Equal Opportunity Employer. We are committed to fostering a diverse and inclusive workplace where all individuals are treated with respect and dignity. We do not discriminate on the basis of race, color, religion, sex, gender identity, sexual orientation, national origin, disability, age, veteran status, or any other legally protected status under local, state, or federal law. Fora Financial provides reasonable accommodations for qualified individuals with disabilities. If you need assistance or accommodations due to a disability during the application process, please contact *********************************.

Job Description At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. Just as our employees are committed to helping our customers manage their finances, we're committed to our employees. After all, they make it happen for our customers every day. To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities. Responsibilities A Credit Underwriter III is responsible for spreading complex financial statements in accordance with Bank standards, while preparing Credit Offering Memorandums on complex borrowers in cooperation with Commercial Lenders for Bank approval. It is the responsibility of an Underwriter III to manage personal workload of complex borrowing relationships within short, prescribed timelines with minimal assistance from a Senior Underwriter/Manager. Making recommendations to Commercial Lenders regarding appropriate risk ratings as well as accurately addressing loan policy exceptions, structural weaknesses, appraisal exceptions, environmental waivers and loan coding are important duties of the position. A Credit Underwriter III is also responsible for providing guidance and on the job training to Credit Underwriter I's and II's. Essential Duties: Maintain extensive knowledge of and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to pertinent policies, procedures, and internal controls and meet all job specific training requirements in a timely fashion. Produce a high volume of loan requests with the ability to work independently and complete duties within short timeframes, with little or no oversight from a Supervisor/Manager. Prepare financial spreadsheets on complex relationships for existing or potential borrowers using accountant prepared and company prepared financial statements and tax returns. Prepare Credit Offering Memorandums on complex borrowers which includes the description of the credit request and all associated structural components, detail of the borrower's existing banking relationship (loans, deposits, cash management, RDC, etc.), financial statement analysis, corporate historical/projected and personal financial statement and cash flow analysis, detailed collateral evaluation and OCC stress testing on commercial real estate projects, accurate identification of loan policy exceptions, regulatory structural weaknesses, loan coding and assessment of appropriate risk rating. Accompanies Commercial Lenders on customer informational calls for complex relationships. Provides basic on the job training and guidance to Credit Underwriter I's and II's. Maintain the ability to quickly and accurately assess borrowing needs/causes, proper loan structure, well developed and accurate credit analysis techniques, knowledge of industry related issues, risk rating recommendations and a thorough understanding of loan policy and structural weaknesses. Advises Commercial Lenders of appraisal and environmental requirements that must be approved prior to the loan proposal's submission for approval. Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner. Ancillary Duties: As an integral member of the Credit Administration Department, this position is also responsible to provide assistance wherever necessary to help the Credit Administration Department and the Bank in achieving their annual goals. Qualifications Education/Training: B.S. or B.A. degree in a business related field of study (finance, management, economics, or accounting) with at least 6 credits in accounting; specialized financial analysis training. All applicants must be 18 years of age or older. Skills: Proficient reading, writing, grammar, and mathematics skills; proficient interpersonal and communication skills (both verbal and written); a thorough knowledge of current lending and banking regulations, loan policies, and procedures; proven ability to analyze and interpret financial statements and information; advanced loan structuring skills; technical supervisory skills sufficient to provide guidance and training to Credit Underwriter I & II(s); proficient knowledge of Microsoft Word, Excel and all other departmental computer programs. Experience: Minimum of four (4) experience as a Credit Underwriter I/II normally required.