Underwriter jobs in Alabama

WHAT IS THE OPPORTUNITY? The role of the Underwriter III is to evaluate the credit risk against company standards and to determine the borrower's ability to repay a residential mortgage. The Underwriter III analyzes and interprets the most complex financial and non-financial data decisioning the requests with the goal of achieving the optimal quality asset for the bank while satisfying the needs of borrower. The Underwriter III is also responsible for LLCs along with other complex borrower types. The Underwriter III works within established lending authorities and guidelines, with complex or unusual situations escalated to the next highest authority level for resolution. This includes mentoring and training of Underwriters I and II including second level reviews. What you will do * Reviews the loan package received to ensure completeness verifying that all supporting documents are included to make a credit decision per established policies * Identifies issues and recommends appropriate resolution within policy service level agreements * Analyzes and determines the financial capacity of the borrower's ability to repay: * Performs credit analysis, financial statement analysis, cash flow analysis, liquidity qualification and payment calculation spreads * Reviews for stability of residency and employment * Verifies income per established policy * Identifies any exceptions to current policies * Documents a reasonable conclusion mitigating any identified risks supporting the request will be repaid * Accurately sets and clears conditions * Interacts with RLC and Processor throughout the life cycle of the loan, providing information, updates and assistance as required * Updates System(s) with pertinent information and appropriate data as required * Renders a decision within his/her lending authority. If deal is outside of lending authority, provides a recommended decision and submits for appropriate level signing authority * Originates appropriate client letters; Commitment, Counter Offer, Declination * Certifies and provides a final Workbook to the Processor * Ensures compliance with bank and statutory/regulatory guidelines * Client Satisfaction * Promotes a team environment fostering a positive working environment * Functions as a collaborator and innovator to drive continuous improvement * Provides guidance and support to the RLC and Processor when required * Utilizes systems and tools to ensure that the RLC's are updated on the status of loans * Interacts and communicates daily with all levels as required to support business units, Processors, Funding/Doc Prep to ensure requirements are understood and met * Provides timely, complete and accurate response to inquiries * Handles all situations in a professional and ethical manner * Takes the lead in resolving problems for his/her own loans; assisting Underwriters I and II with resolutions * Supports and contributes to the quality and customer satisfaction goals of the bank * Productivity * Ensures all goals and service level agreements (SLAs) are met * Tracks, logs and provides daily, weekly, monthly, quarterly reporting of production statistics as defined by management * Consistently meets quality control and data integrity standards * Effectively utilizes available systems, workflow and imaging tools * Mentor and train Underwriters I and II * 2nd level review of Underwriters I and IIs' work * Performs other duties as assigned by Management, including participation in projects, process improvement initiatives, etc. *Must-Have** * Minimum 7 years of experience as an Underwriter in a financial services or mortgage banking environment required. * Minimum 7 years of experience in jumbo and super jumbo underwriting to investor or organization's guidelines required * Minimum 7 years of experience with state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.). *Skills and Knowledge* * Bachelor's degree in Business, Finance or Economics or related discipline with 10 or more years of experience in a mortgage banking environment required * Familiar with FNMA/FHLMC guidelines * Computer literate with experience using Microsoft applications with mortgage industry standard software, preferably InterLink E3 or NetOxygen/Gallagher. * Superior ability to communicate effectively in both verbal and written form * Strong time management skills to plan and organize a high daily loan volume * Strong ability to be very detail oriented * Must be a team player and work constructively with their fellow colleagues * Specific knowledge and exposure to funding and loan documentation to resolve more complex situations such as occur with LLC's, irrevocable trusts, and Co-operatives *Compensation* Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. **To be considered for this position you must meet at least these basic qualifications* The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our **************************************************************************************************** ABOUT CITY NATIONAL City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92.03 billion in assets as of April 30, 2024. Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $96.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves. *City National Bank does business in Miami and the state of Florida as CN Bank. For more information about City National, visit ********************* *EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION* City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. ************************************************************************************************** If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via mailto:*************************) or leave a message at *************. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days. Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.

Underwriter - Transportation $75,000 - $80,000 + Montgomery, AL Are you an experienced Workers' Compensation Underwriter with a deep understanding of the trucking and transportation industry? Do you excel at evaluating complex risks and developing strategic pricing? We're looking for a seasoned professional to join our dynamic team and help drive smarter risk decisions in the transportation sector. About the Role In this pivotal role, you'll leverage your expertise to assess intricate risks, craft effective pricing strategies, and ensure regulatory compliance. You'll play a key part in contributing to our company's profitability while ensuring top-tier client satisfaction. What You'll Do Underwrite new and renewal submissions specifically for trucking and transportation accounts. Assess risk comprehensively, analyzing loss history, operational details, driver exposure, safety protocols, and DOT compliance. Assign appropriate classification codes and develop strategic pricing in line with company and regulatory guidelines. Collaborate closely with brokers, agents, and internal teams to gather necessary information and negotiate policy terms. Mentor and guide junior underwriters and team members, sharing your valuable insights. Monitor portfolio performance, identify emerging trends, and recommend proactive strategic actions. Ensure all underwriting decisions adhere to internal policies and state-level workers' compensation regulations. Maintain meticulous documentation of all underwriting decisions and communications. Represent the company at industry events, conferences, and client meetings as needed. What You Bring 4+ years of workers' compensation underwriting experience, with at least 2 years specifically focused on the trucking and transportation sectors. Strong understanding of workers' compensation laws, NCCI classification codes, and rating systems. Familiarity with trucking operations, driver safety programs, and DOT/CAB report analysis. Proven ability to evaluate complex risk profiles and make sound underwriting decisions. Proficiency in Microsoft Office and industry-standard underwriting tools. Exceptional communication, negotiation, and relationship-building skills. A Bachelor's degree in Business, Risk Management, Finance, or a related field, or equivalent practical experience. Professional designations (WCP, TRIP, ARM, CPCU) are a definite plus. Preferred Competencies High attention to detail and excellent time management. Self-motivated and thrives in a fast-paced, high-volume environment. Strong commitment to customer service and seamless team collaboration. A strategic thinker with a long-term view of portfolio performance. Schedule: Full-time, Monday-Friday (Hybrid Flexibility Available) Travel: Occasional, for industry events or client meetings Ready to bring your underwriting expertise to a dynamic, industry-focused team? Apply now and help us drive smarter risk decisions in the transportation sector! U.S. Citizenship or Green Card status is required for this position, as client sponsorship is not available To meet our clients' needs, we're only considering candidates who have the necessary experience. Please be advised: If you have recently submitted your resume to Fusion HCR, your qualifications will automatically be considered for other suitable opportunities.

RB&T Mission Statement: As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals. River Mortgage Services is seeking an experienced Mortgage Underwriter with a deep understanding of residential mortgage underwriting, investor guidelines, and compliance requirements. This position is responsible for underwriting Conventional, FHA, VA, USDA, and Jumbo mortgage loans for secondary market sale, ensuring each file meets agency, investor, and regulatory standards. Essential Duties and Responsibilities: Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The essential functions include, but are not limited to the following: * - Review and analyze residential mortgage loan files for accuracy, completeness, and compliance with investor, agency, and internal guidelines. * - Underwrite and issue decisions (Approve, Suspend, or Deny) for Conventional, FHA, VA, USDA, and Jumbo loans. * - Validate AUS findings (DU/LP/GUS) and apply appropriate conditions to ensure salability. * - Maintain strong working knowledge of investor overlays, Fannie Mae/Freddie Mac guidelines, agency updates, and jumbo investor requirements. * - Partner with Processing, Secondary, and Closing teams to resolve underwriting issues efficiently. * - Ensure all files meet compliance requirements related to TRID, RESPA, ECOA, and other applicable regulations. * - Assist in maintaining investor eligibility and quality standards by adhering to secondary market best practices. * - Participate in ongoing training and contribute to continuous improvement of underwriting policies and procedures. * - Provide clear, consistent communication to loan originators and internal staff regarding conditions, exceptions, and documentation needs. Minimum Qualifications: * - High School diploma or equivalent * - At least 5 years of mortgage underwriting experience (including Conventional, FHA, VA, USDA, and Jumbo loans) * - DE, SAR, or LAPP certifications preferred, but not required Skills, Abilities & Expectations: * - Strong working knowledge of Encompass LOS and automated underwriting systems (DU/LP/GUS) * - In-Depth understanding of agency, investor, and jumbo program guidelines and secondary market requirements. * - Familiarity with appraisal review, income analysis, and collateral evaluation. * - Ability to work independently in a fast-paced, deadline-driven environment * - Detail oriented and organized * - Ability to analyze financial information * - Integrity, discretion, and respect for confidential information are absolutely essential * - Willingness to adapt to change * - Work within a variety of different software and web applications * - Able to prioritize duties and effectively manage time * - Analytical and problem-solving skills * - Attend work on a regular basis, on time, and withstand varying degrees of stress * - Excellent interpersonal and communication skills * - Maintaining a professional, business-like appearance and demeanor * - Be familiar with and follow policy and procedures, and support Management's decisions and goals in a positive, professional manner. * - Proficiency in Microsoft Office products to include Word, Excel, and Outlook Physical Demands: The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit; talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk; reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special vision requirements include close, distant, and peripheral vision; depth perception; and the ability to adjust focus. The noise level in the work environment is usually moderate. The work environment and physical demands are those of a standard retail branch setting. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

INSURANCE SALES REPRESENTATIVE - REMOTE SALES - WORK FROM ANYWHERE! We offer Part-time and Full-time job opportunities everywhere in the United States.We are looking for motivated people who want to become financially independent and get a sense of significance in their work. We offer LICENSED PRODUCERS a very good opportunity for financial freedom! In addition, we help UNLICENSED AGENTS get through the LICENSING REQUIREMENTS and provide free training to help them achieve their goals. WHO WE ARE We are an independent broker of Living Benefits Life Insurance. We represent some of the largest insurance carriers in the USA and Canada. This is a place agents can (1) be their own boss and set their own schedules; (2) gain financial independence; and (3) get the respect and recognition they deserve. What do distributors do? We are hiring and training men and women to distribute a revolutionary new type of life insurance with Living Benefits. This allows the policy holder to accelerate the death benefit for their own use while they are still living. Living benefits are the best-kept secret of life insurance. This new type of insurance practically sells itself. These insurance agents service middle income America and we are looking for entrepreneurs who want to build their own distribution network. We are partnering with agency owners with a current sales force or we will train you to hire and build your own agency. The absolute best compensation in the industry - you literally determine your own income and income potential. Agents can earn commissions in excess of 140% of sales! We have an unmatched and proven hiring and onboarding system in place. Great carrier overrides and bonuses! Job requirements Life insurance license or willing to obtain one. You will need a valid drivers license and vehicle to travel to and from client appointments. Cell and laptop/tablet and/or IPAD are required as well. What do we offer? If you currently have a Life Insurance license, then you can be in the field within one week If you do not have a Life Insurance License, no problem! We can show you how to get one very easily - Most complete the requirements in one week or less! There is no income cap and we offer weekly bonuses, monthly bonuses, and a profit sharing program. Disclaimer: Compensation is 100% Commission and Bonus. Please be aware before applying for position Training is 100% FREE and it is the absolute best in the industry. We will train you to call, set, and run appointments from your home office. We offer the best leads in the industry. Our leads are new, qualified, and affordable. We have access to multiple vendors which ensures our agents high quality, low cost leads. Renewals are 100% vested from day one - there is no waiting period! Flexible schedule - you are your own boss and you set your own schedule Opportunity for advancement into leadership and management roles.

The Underwriter is a permanent, full-time position with the Department of Finance. Positions are located in Montgomery. This is responsible office and field work maintaining property and liability insurance underwriting needs for state agencies in the areas of general liability, employee injury, aviation, fire, casualty, automobile and others as needed.

Spieldenner Financial Group is a part of the fastest-growing insurance organization in the country. Our most important focus areas include getting agents paid quickly, keeping costs minimal, and giving agents the training and support needed to achieve success. Job Duties: Setting Appointments: 6-8 hours per week: reaching out to potential clients that have previously requested coverage with our company and scheduling a time to meet with them to discuss their mortgage protection coverage. Research: 4-5 hours per week: digging into the information the client provided in order to customize options to meet their financial need in the case of a death or disability. Meeting with Families: 2 days per week: meeting with clients either virtually or in-person (the choice is yours) to present their options, discuss the details of the coverage, and help them apply for coverage. Administrative: 2 hours per week: following up with insurance carriers to facilitate client applications through underwriting Qualifications: We are looking for coachable, challenge-seeking, self-disciplined individuals with a growth mindset: Skill set isn't everything for this position. What We Do: We serve people: Every week, we sit with our clients (in person or virtually) and take a deep dive into their financial situation. We protect our clients: We partner with top-rated insurance companies to customize a plan that provides a personalized solution that will protect their largest asset: the ability to make an income. We grow : We are a personal development company that just happens to sell insurance. We strive to make a generational impact in the lives of our clients, our agents, and our community! What Sets us Apart: We maintain a people-first mentality that starts and ends with our agents. Our unparalleled benefits and connections within the insurance industry ensure that our agents have the resources they need to excel inside and outside of work If you feel this might be the home you have been looking for. Click APPLY! Commissions as a New Agent: This position is a commission-only based sales position. The average commission on a mortgage protection product is approximately $600 per family you protect. Our expectation is that a full-time agent will sell 5 to 10 mortgage protection plans per week. In addition to mortgage protection, we also have a selection of premium financial products to help people save for retirement or protect their current retirement accounts (e.g. 401k's and IRA's) from losing money in the stock market. We have extensive training on how these products work and how to sell them. In addition to uncapped commission, we have a competitive bonus structure program along with incentive trips agents/managers can qualify for based on their individual and team results. ***No agent's success, earnings, or production results should be viewed as typical, average, or expected. Not all agents achieve the same or similar results, and no particular results are guaranteed. Your level of success will be determined by several factors, including the amount of work you put in, your ability to successfully follow and implement our training and sales system and engage with our lead system, and the insurance needs of the customers in the geographic areas in which you choose to work.

Job Description RB&T Mission Statement: As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals. River Mortgage Services is seeking an experienced Mortgage Underwriter with a deep understanding of residential mortgage underwriting, investor guidelines, and compliance requirements. This position is responsible for underwriting Conventional, FHA, VA, USDA, and Jumbo mortgage loans for secondary market sale, ensuring each file meets agency, investor, and regulatory standards. Essential Duties and Responsibilities: Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The essential functions include, but are not limited to the following: - Review and analyze residential mortgage loan files for accuracy, completeness, and compliance with investor, agency, and internal guidelines. - Underwrite and issue decisions (Approve, Suspend, or Deny) for Conventional, FHA, VA, USDA, and Jumbo loans. - Validate AUS findings (DU/LP/GUS) and apply appropriate conditions to ensure salability. - Maintain strong working knowledge of investor overlays, Fannie Mae/Freddie Mac guidelines, agency updates, and jumbo investor requirements. - Partner with Processing, Secondary, and Closing teams to resolve underwriting issues efficiently. - Ensure all files meet compliance requirements related to TRID, RESPA, ECOA, and other applicable regulations. - Assist in maintaining investor eligibility and quality standards by adhering to secondary market best practices. - Participate in ongoing training and contribute to continuous improvement of underwriting policies and procedures. - Provide clear, consistent communication to loan originators and internal staff regarding conditions, exceptions, and documentation needs. Minimum Qualifications: - High School diploma or equivalent - At least 5 years of mortgage underwriting experience (including Conventional, FHA, VA, USDA, and Jumbo loans) - DE, SAR, or LAPP certifications preferred, but not required Skills, Abilities & Expectations: - Strong working knowledge of Encompass LOS and automated underwriting systems (DU/LP/GUS) - In-Depth understanding of agency, investor, and jumbo program guidelines and secondary market requirements. - Familiarity with appraisal review, income analysis, and collateral evaluation. - Ability to work independently in a fast-paced, deadline-driven environment - Detail oriented and organized - Ability to analyze financial information - Integrity, discretion, and respect for confidential information are absolutely essential - Willingness to adapt to change - Work within a variety of different software and web applications - Able to prioritize duties and effectively manage time - Analytical and problem-solving skills - Attend work on a regular basis, on time, and withstand varying degrees of stress - Excellent interpersonal and communication skills - Maintaining a professional, business-like appearance and demeanor - Be familiar with and follow policy and procedures, and support Management's decisions and goals in a positive, professional manner. - Proficiency in Microsoft Office products to include Word, Excel, and Outlook Physical Demands: The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit; talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk; reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special vision requirements include close, distant, and peripheral vision; depth perception; and the ability to adjust focus. The noise level in the work environment is usually moderate. The work environment and physical demands are those of a standard retail branch setting. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

The salary range for this job posting is $97,153.00 - $155,445.00 annually + bonus + benefits. Pay Type: Salary The above represents the full salary range for this job requisition. Ultimately, in determining your pay and job title, we'll consider your location, education, experience, and other job-related factors, and will fall within the stated range. Your recruiter can share more information about the specific salary range during the hiring process. The salary range for candidates who reside in the Pennsylvania is $105,080 - $168,129 annually + bonus + benefits The ideal candidate will be experienced underwriting package lines accounts greater than $75k, have existing PA agency relationships, and will reside in Eastern Pennsylvania. This role will require regular travel throughout Eastern Pennsylvania. We may hire at a senior level based on candidate's experience which would be on a higher salary range. The role will report to a Regional Vice President, Commercial Lines. Are you a Referral? If you know a current Encova Insurance associate and would like to apply as a referral, please encourage them to submit your referral information before you submit your application. You will receive an email with a direct URL link to the Job Posting of interest. Applying through this URL link will create your referral relationship for our Talent Acquisition Team. Unique residence requirements are listed in each job posting, please review closely for details. Encova is only able to employ associates who reside and work within specific U.S. states. Our current policies are based on the laws in states in which we are registered for payroll. Our current footprint includes: Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin. JOB OBJECTIVE: Represent Encova Insurance and functions as the agency manager for assigned agents with a primary focus on commercial lines (e.g., worker's compensation and/or package lines). Responsible for achieving established premium growth and profitability objectives by reviewing risks, determining acceptability, and successfully writing profitable new business and retaining profitable renewal accounts. Focused on taking action to achieve results that positively impact growth and profitability while ensuring excellent customer service and timely responsiveness to assigned agencies for their commercial lines accounts. ESSENTIAL FUNCTIONS: 1. As agency manager, this role is the liaison between Encova and its appointed agency force. Duties include; o Develop and maintain agency relationships through regular visits with agency leadership and production staff, encompassing: Agency growth and profitability with Encova. Agency progress towards Encova profit share program and Leaders' Conference participation. Encova updates and organizational changes. o Facilitate growth between all Encova profit centers and assigned agencies. 2. Coordinate agency training when needed and assist agencies with the tools needed to build sustainable, long-term profitable growth with Encova across all profit centers. 3. Gather competitive intelligence. 4. Stay abreast of current insurance laws and regulations. 5. Prospect and qualify new agents for potential appointments. 6. Submit written reports as required. 7. Attend industry events. 8. Determine the acceptability, quality, pricing, profitability and opportunity for new and renewal business. 9. Complete thorough risk analysis on designated accounts using appropriate Encova, NCCI, ISO and industry rules, policies, procedures, guidelines, etc. 10. Identify, create and initiate new business opportunities within current book of business and assigned agencies. 11. Gather and analyze information necessary to make an accurate evaluation of risk. 12. Determine appropriate pricing based on risk exposures, risk quality, loss potential and coverage provided. 13. Utilize available resources including company underwriting guidelines, business unit strategies, and consultation with others to ensure adequate understanding of risk exposures. 14. Prepare and participate in proposals to producers. Negotiate terms and conditions. 15. Ensure the proper issuance of policies, certificates, filings and notifications. 16. Effectively utilize rules and guidance to ensure proper policy construction. 17. Seek the guidance of management on risks exceeding assigned authority levels. 18. Identify underwriting issues; recommend and develop plans for problem resolution and implement them where appropriate. 19. Manage existing and prospective accounts by actively participating in account renewals, new business presentations and discussion with agents. 20. Participate in monitoring and analyzing performance of assigned agents; initiate actions and recognize consequences of alternative actions. 21. Account management including coordination of service delivery of various disciplines within the team: claim review, safety and loss services, customized reporting, etc. 22. Conduct/coordinate sales and training sessions and orientation of new products, programs, and systems for assigned agents. When requested, lead discussions on new underwriting approaches, coverage enhancements/changes, and underwriting projects. OTHER FUNCTIONS: 1. Responsible for automobile travel within territory traveling to agents' offices. Car travel represents a meaningful portion of associate's time. 2. Non-essential function: other duties as assigned. KNOWLEDGE, SKILLS AND ABILITIES: * Minimum 5 years of progressive commercial lines underwriting experience in package lines and/or worker's compensation in the Property and Casualty insurance market strongly preferred. * Bachelor's degree preferred, demonstrated significant underwriting experience may substitute. * Demonstrated working knowledge of commercial multi-line underwriting, pricing and coverage. * Demonstrated knowledge of effective sales/marketing and agency relationship techniques including the ability to partner with independent insurance agents. * Preference may be shown for applicants with CPCU and/or ARM designation(s) * Demonstrated strong writing skills with an emphasis on marketing. * Ability to be creative and entrepreneurial in the approach to sales and marketing initiatives. * Ability to effectively manage multiple priorities and tight timelines while meeting established guidelines. * High-level interpersonal, communication, analytical, presentation and problem-solving skills. * Critical thinking: Ability to assess an individual situation and select applicable rules from an array of options, resulting in the most appropriate and sustainable decision. * Thorough knowledge of laws and rules and their application for the assigned territory. * Thorough working knowledge of policy and procedures regarding risk administration and risk management; underwriting and loss control. * Thorough knowledge of the insurance industry and the business environment in which it operates in order to develop an effective business strategy and remain technically current. * Thorough understanding of business exposure calculations, classifications, experience rating or other plan modifications. * Ability to develop and implement account, territorial, producer and book strategies to acquire and retain business. * Ability to work collaboratively and effectively in a team environment. * Ability to initiate, build and maintain effective working relationships and tailor services to meet customer needs. * Ability to use sound logic and decision-making skills to identify complex problems, analyze alternatives, then develop and implement effective solutions. * Ability to effectively plan and lead meetings: ensure an agenda is created, appropriate materials are ready in advance, the meeting stays on task, the client's issues are addressed, and follow-up action plans are noted. * Ability to present ideas and information to individuals and groups in a clear, concise, influential, organized, and diplomatic manner and address concerns or needs. * Proficient in electronic mail system; use of intranet and internet; Microsoft Office products including Excel, Word, PowerPoint. * Ability to safely operate a motor vehicle and must hold a valid driver's license. This position has been evaluated in accordance with the Americans with Disabilities Act. Encova Insurance makes every effort to reasonably accommodate disabilities to permit performance of the essential functions and candidates who need such accommodation are encouraged to seek it. This description reflects the nature and level of work performed by associates in this position. It is not an all-inclusive inventory of duties, responsibilities and qualifications required. It provides an accurate overview of the work and skills needed to perform this position. Because job content may change from time to time, Encova Insurance reserves the right to add and/or delete functions from this job as it deems necessary for business reasons. Ready to join our team? At Encova Insurance, we firmly believe that our associates drive our company's success by delivering unrivaled service to our customers. With success in mind, we make an ongoing effort to provide an environment that offers challenging, stimulating and financially rewarding opportunities. Join us to discover a work experience where your diverse ideas will be met with enthusiasm - where you can learn and grow to your fullest potential. What you can expect from us Join our family of industry leaders, and let us reward you with a competitive salary, bonus and benefits package that includes but is not limited to: a 401(k), wellness programs, bonus incentive plans and flexible schedules, with an early close of the office every Friday. Additionally, Encova aspires to be an outstanding corporate citizen in all the markets we serve; we encourage and support associate participation in community initiatives through our foundations. Encova Insurance is an EOE/E-Verify employer. #LI-Remote#LI-MF1

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

Trustmark's mission is to improve wellbeing - for everyone. It is a mission grounded in a belief in equality and born from our caring culture. It is a culture we can only realize by building trust. Trust established by ensuring associates feel respected, valued and heard. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture of diversity and inclusion where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves. At Trustmark, we have a commitment to welcoming people, no matter their background, identity or experience, to a workplace where they feel safe being their whole, authentic selves. A workplace made up of diverse, empowered individuals that allows ideas to thrive and enables us to bring the best to our colleagues, clients and communities. **About the role** Trustmark is looking for a Case Underwriter to join the organization. Responsible for providing timely and accurate underwriting offers, while adhering to pricing and profit objectives. Develops partnership with Sales to maximize ability to sell new/maintain existing business. Stays current with our Administrative, Enrollment, Broker, and Enrollment Company capabilities and processes. **Key Accountabilities** + Processes, reviews, analyzes and makes informed underwriting decisions for assigned territory. All cases are reviewed with manager or higher level underwriter until proficiency is achieved. At full proficiency, underwriting authority is a maximum of 5,000 life case or $500,000 of annualized premium. + Reviews enrollment and participation trends in assigned territory and makes recommendations to optimize opportunity for sales while minimizing risk. + Provides monthly updates on sold case successes and failures as it relates to access and participation for Guarantee Issue cases. + Continually asks questions to grow and better understand our products and procedures. Develops and grows relationship with Implementation Managers to gain their confidence in decisions. + Understands non-standard broker arrangements and enrollment company strengths and weaknesses. + Identifies elements of a successful enrollment and makes recommendations that will create value. + Works with reinsurer on cases that require facultative review. **Minimum Requirements** + Bachelor's Degree and/or 2 - 4 years of related experience OR High School Diploma or GED with 4-6 years of related experience. The compensation range for this role is (based on the corporate location in Lake Forest, Illinois): $61,412.00 - $88,706.00 per year The final salary offer will be determined based on factors such as location, qualifications, experience, skill set, and other relevant factors. This position may also be eligible for bonus. We understand that compensation is an important factor when considering a new opportunity, and we strive to provide a competitive salary within the market. Brand: Trustmark In addition to compensation, we offer a comprehensive benefits package that includes: Health/dental/vision, life insurance, FSA and HSA, 401(k) plan, Employee Assistant Program, Back-up Care for Children, Adults and Elders and many health and wellness initiatives. We also offer a Wellness program that enables employees to participate in health initiatives to reduce their insurance premiums. For questions about compensation and benefits, please speak to the Recruiter if you decide to apply and are selected for an interview. Trustmark is committed to leveraging the talent of a diverse workforce to create great opportunities for our people and our business. We are an equal opportunity employer, including disability and protected veteran status. Join a passionate and purpose-driven team of colleagues who contribute to Trustmark's mission of helping people increase wellbeing through better health and greater financial security. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves. Introduce yourself to our recruiters and we'll get in touch if there's a role that seems like a good match. When you join Trustmark, you become part of an organization that makes a positive difference in people's lives. You will play a vital role in delivering on our mission of helping people increase wellbeing through better health and greater financial security. Our customers tell us they simply appreciate the personal attention and knowledgeable service. Others tell us we've changed their lives. At Trustmark, you'll be part of a close-knit team. You'll enjoy abundant opportunities to grow your career. That's why so many of our associates stay at Trustmark and thrive. Trustmark benefits from more than 100 years of experience but pairs that rich history with a palpable sense of optimism, growth and excitement for what's ahead - and beyond. This is a place where associates bring their whole selves to work each day. A place where you can be yourself. Whatever your beyond is, you can achieve it at Trustmark.

At ServisFirst, Our Name is Our Mission. DUTIES AND RESPONSIBILITIES The Mortgage Underwriter is responsible for the timely and accurate underwriting of all mortgage loan files according to bank and investor guideline and compliance regulations. The incumbent will: * Underwrite mortgage loans to ensure compliance with bank and investor guidelines * Assess loan attributes and documentation for soundness and accuracy * Evaluate debt ratio, loan-to-value ratio, credit score, and appraisal to meet investor guidelines * Review and analyze appraisals to ensure loan risk is acceptable to bank and investor guidelines * Determine and document loan conditions, requirements, and decisions * Evaluate Loan Estimate (LE) for accuracy and compliance with RESPA and TRID * Utilize an Automated Underwriting System (AUS) or predetermined guidelines to underwrite loans * Stay abreast of Private Mortgage Insurance (PMI) guidelines and order PMI as necessary * Maintain knowledge of all applicable underwriting guidelines * Review legal and regulatory compliance documents for accuracy * Provide strong and clear communication to other mortgage department personnel and borrowers regarding documents needed for mortgage loan files to ensure quick turnaround time * Provide guidance to processors regarding procedures and requirements * Assist closing/post-closing personnel to ensure loan is purchased by investor * Perform administrative duties such as faxing, photocopying, filing and phone support as necessary * Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job. Note: Additional duties and responsibilities may be assigned. MINIMUM QUALIFICATIONS * High school diploma or equivalent; some college preferred * Five (5) years of mortgage lending experience * Three (3) years of mortgage underwriting experience * Previous experience using automated underwriting technology preferred * Basic knowledge of bank operations and products * Basic knowledge of federal and state banking compliance regulations, and other Bank operational policies * Knowledge of federal and state regulations regarding lending and related consumer disclosure requirements * Excellent knowledge of agency and investor guidelines * Effective oral, written and interpersonal communication skills with the ability to carry out instructions, understand procedures and write correspondence * Proficient in Microsoft Outlook, Word and Excel * Excellent customer service and time management skills * Ability to multitask, as shown in previous experience completing tasks under time constraints * Good organizational skills * Good data entry/keyboarding and math skills PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS The physical requirements and environmental conditions of this position consist primarily of: * Sustained standing and sitting * Frequent use of PC, including typing or sustained attention to monitor * Frequent typing using a keyboard and/or calculator * Occasional lifting of basic office files or equipment up to 20 lbs * Normal office environment with comfortable internal temperatures and low level noise EOE/AA

At First Horizon Bank Operations, we are on a mission to deliver a seamless customer experience. We are passionate about doing things right and doing the right things. We collaborate with each other and with our internal business partners to delight our customers. We believe in creating an environment where everyone's ideas are valued so that the team operates at its best. Our team members serve with humility and a deep commitment to their responsibility to be the best at serving their customers one opportunity at a time. **Summary** The Centralized Commercial Lending - Renewal Team is searching for a Commercial Underwriter II responsible for evaluating business loan applications based on established Bank policies and procedures. Candidate will evaluate the merits of an existing loan request in the $1MM-$3MM range of total exposure, and either recommend a decision to a senior credit officer or use their own authority to decision the application. **Key Responsibilities** + Review cash flows and Moody's spreads either self-prepared or prepared by the Credit Analyst, conduct in-depth analyses of financial information to form a recommendation of approval or denial of new loans in accordance with the Bank's policy and procedures. Prepare Credit Origination Memorandum in a clearly written concise manner, identifying strengths, risks and mitigating factors. Review, analyze and evaluate financial and pertinent data to determine credit worthiness of loan prospects and merits of specific loan requests. Collaborate with Relationship Managers, leaders and Relationship Managers to gather all necessary information to present an accurate and complete assessment of the loan presented. + Ability to prepare high quality, detailed credit approval documents that contain an in-depth analysis, an understanding of and identification of credit issues and risks. Ability to spread and interpret financial statements, tax returns, and projections using Excel. + Ability to provide recommendations on loan structuring and alternative structures that may be more appropriate for the transaction. + Ability to work in a high-volume environment, meeting or exceeding Service Level Agreements and turn time goals throughout the process, providing credit decisions in a timely manner. + Work independently on special projects related to credit topics and issues as requested by Bank Credit team(s). + Support the Bank's strong relationship banking culture through on-going internal partner contact, quality customer service, and superior product knowledge. Understand and adhere to the Bank's Bank Secrecy Act policy and procedures and "know your customer/enhanced due diligence" guidelines. Brings any suspicious activity to the attention of a supervisor, or the Bank Secrecy Act Officer. Follow all Bank policies and procedures to ensure compliance with all laws and regulations. + May perform other duties as assigned. **Requirements** + Bachelor's degree required for consideration or equivalent combination of education and experience + Three (3) to five (5) years of commercial credit underwriting experience **Knowledge/Skills/Abilities/Training/Systems** + Fundamental understanding of commercial credit underwriting. + Ability to interact with all levels of clients, staff and management. + Ability to work successfully in a deadline driven team environment. + Strong MS Office skills, especially with Excel. + Must be organized and detail oriented with the ability to multitask. + Must be able to work independently and make sound decisions. + Good written and oral communication skills. + Good fundamental understanding of general bank operations, proficient understanding of the components of financial planning, deposit products, small business products, investment and insurance products. + Knowledge of Moody's CreditLens preferred + Knowledge of nCino preferred **About Us** First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ******************** (https://urldefense.com/v3/\_\_https:/********************/\_\_;!!Cz2fjcuE!hpq9hPnrucZCPIAVPojVESItIq-FPzhurNdCrQ3JE8Rkx3gMd70nIk6\_kmPxl66\_oJCEsXs0gNunPowMAMHCmBYPOtUxUGI$) . **Benefit Highlights** - Medical with wellness incentives, dental, and vision - HSA with company match - Maternity and parental leave - Tuition reimbursement - Mentor program - 401(k) with 6% match - More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits **Follow Us** Facebook (****************************************** X formerly Twitter LinkedIn (*************************************************** Instagram YouTube (********************************************************** Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (**************************** notice from the Department of Labor.

Essential Functions & Responsibilities: Assists members with opening and closing accounts, answers questions about products and services and resolves problems that are within their authority to resolve. Refers problems that are beyond their authority to their supervisor, along with their recommendations. Performs all consumer loan functions including selling services, quoting rates, utilizing the lending software and closing loans. Identifies cross-sell opportunities and cross-sells services to members. Ensures appropriate records are maintained and required reports are prepared. Conducts audits of system information and member documents. Acts as liaison between members and various departments. Represents the branch as appropriate in its relationships with members, sponsor organizations(s), business partners, other financial institutions and similar groups. Performs other job-related duties as assigned. Performance Measurements: Open all accounts, certificates, loans, and other credit union products or services accurately, ensuring all related forms and documents are completed in a timely manner. Actively cross-sell products and services to members to achieve or exceed all established sales goals and assist in meeting corporate goals. Troubleshoot and resolve member and internal inquiries in a timely and accurate manner. Ensure compliance with all applicable credit union policies and procedures. Maintain Quality Loop scores within the branch of 6.7 or higher. Knowledge and Skills: Experience: Minimum 6 months experience in as Member Service Rep (MSR). Education: A high school education or GED. Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation. Other Skills: Must be able to utilize various computer programs to obtain and enter information. Must demonstrate strong public contact and telephone skills. Must demonstrate good judgement in order to resolve member issues and to offer other services. Must be current on all policies and procedures related to teller and new account functions and be fully versed on all services offered by the credit union. Must demonstrate familiarity with the lending function; including taking consumer loan applications, cross selling, and closing consumer loans. Must have experience in handling share certificates and IRA accounts. Must be able to change job function as member traffic dictates to meet member needs. Physical Requirements: Light lifting required.

At Amwins, we succeed together - and have a good time doing it. We know people don't leave companies. They leave cultures - which is why we work so hard on ours. At Amwins, we thrive on collaboration, not cutthroat competition. Our teams work together to help each other succeed, and we do right by our clients so they can do right by theirs. First and foremost, we invest in our employees. That investment shows in everything we do; education and development programs, comprehensive and competitive benefits, and an organizational structure that's 43% owned by employee shareholders. Our commitment to diversity, equity and inclusion helps cultivate an open, welcoming workplace that reflects the communities we serve. You will have the opportunity to volunteer within Amwins through a wide range of committees and in your community through the Amwins Foundation and Summer of Service. Working at Amwins means you love what you do, how you do it and, ultimately, who you do it with. Whether it's today or 150 years from now, we continue to invest in our culture and your development so opportunities for growth and career advancement are never in short supply. Learn more about us at amwins.com. Join our Amwins Access team in Birmingham as an Associate Underwriter! This is a full time, in office position in our Birmingham, AL office. We are looking for people with: 1 year experience as support staff in an office environment or a Bachelor's degree from an accredited four-year university Prior insurance experience is a plus! Eagerness to learn and grow as a team Exceptional communication skills, organization, professionalism and customer-service mentality Microsoft Office proficiency with an emphasis in Excel spreadsheets Each Associate Underwriter provides vital team functions: Review submission information required to issue new or renewal quotes Rate and prepare new or renewal quotes as directed by Underwriter Review and handle inspection recommendations and discrepancies Monitor various reports for consistency Potential for policy issuance and endorsement processing, including audits Assist in accounting procedures such as invoicing Data entry into multiple internet based systems Snapshot of what Amwins provides to our team members: Compensation includes a salary commensurate with experience Annual bonus potential Broad benefits package available Most benefits available first day of employment Medical, Dental, Vision, Life, etc Paternal Leave, Adoption Assistance, Travel Reimbursement for healthcare, Retail Discount Program, Scholarships for dependents of Amwins employees, etc. Generous Paid Time Off and Company Holiday Schedule Collaborative, continuing education focused work environment Career advancement opportunities The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

RB&T Mission Statement: As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals. River Mortgage Services is seeking an experienced Mortgage Underwriter with a deep understanding of residential mortgage underwriting, investor guidelines, and compliance requirements. This position is responsible for underwriting Conventional, FHA, VA, USDA, and Jumbo mortgage loans for secondary market sale, ensuring each file meets agency, investor, and regulatory standards. Essential Duties and Responsibilities: Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The essential functions include, but are not limited to the following: - Review and analyze residential mortgage loan files for accuracy, completeness, and compliance with investor, agency, and internal guidelines. - Underwrite and issue decisions (Approve, Suspend, or Deny) for Conventional, FHA, VA, USDA, and Jumbo loans. - Validate AUS findings (DU/LP/GUS) and apply appropriate conditions to ensure salability. - Maintain strong working knowledge of investor overlays, Fannie Mae/Freddie Mac guidelines, agency updates, and jumbo investor requirements. - Partner with Processing, Secondary, and Closing teams to resolve underwriting issues efficiently. - Ensure all files meet compliance requirements related to TRID, RESPA, ECOA, and other applicable regulations. - Assist in maintaining investor eligibility and quality standards by adhering to secondary market best practices. - Participate in ongoing training and contribute to continuous improvement of underwriting policies and procedures. - Provide clear, consistent communication to loan originators and internal staff regarding conditions, exceptions, and documentation needs. Minimum Qualifications: - High School diploma or equivalent - At least 5 years of mortgage underwriting experience (including Conventional, FHA, VA, USDA, and Jumbo loans) - DE, SAR, or LAPP certifications preferred, but not required Skills, Abilities & Expectations: - Strong working knowledge of Encompass LOS and automated underwriting systems (DU/LP/GUS) - In-Depth understanding of agency, investor, and jumbo program guidelines and secondary market requirements. - Familiarity with appraisal review, income analysis, and collateral evaluation. - Ability to work independently in a fast-paced, deadline-driven environment - Detail oriented and organized - Ability to analyze financial information - Integrity, discretion, and respect for confidential information are absolutely essential - Willingness to adapt to change - Work within a variety of different software and web applications - Able to prioritize duties and effectively manage time - Analytical and problem-solving skills - Attend work on a regular basis, on time, and withstand varying degrees of stress - Excellent interpersonal and communication skills - Maintaining a professional, business-like appearance and demeanor - Be familiar with and follow policy and procedures, and support Management's decisions and goals in a positive, professional manner. - Proficiency in Microsoft Office products to include Word, Excel, and Outlook Physical Demands: The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit; talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk; reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special vision requirements include close, distant, and peripheral vision; depth perception; and the ability to adjust focus. The noise level in the work environment is usually moderate. The work environment and physical demands are those of a standard retail branch setting. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

Spieldenner Financial Group is a part of the fastest-growing insurance organization in the country. Our most important focus areas include getting agents paid quickly, keeping costs minimal, and giving agents the training and support needed to achieve success. Job Duties: Setting Appointments: 6-8 hours per week: reaching out to potential clients that have previously requested coverage with our company and scheduling a time to meet with them to discuss their mortgage protection coverage. Research: 4-5 hours per week: digging into the information the client provided in order to customize options to meet their financial need in the case of a death or disability. Meeting with Families: 2 days per week: meeting with clients either virtually or in-person (the choice is yours) to present their options, discuss the details of the coverage, and help them apply for coverage. Administrative: 2 hours per week: following up with insurance carriers to facilitate client applications through underwriting Qualifications: We are looking for coachable, challenge-seeking, self-disciplined individuals with a growth mindset: Skill set isn't everything for this position. What We Do: We serve people: Every week, we sit with our clients (in person or virtually) and take a deep dive into their financial situation. We protect our clients: We partner with top-rated insurance companies to customize a plan that provides a personalized solution that will protect their largest asset: the ability to make an income. We grow : We are a personal development company that just happens to sell insurance. We strive to make a generational impact in the lives of our clients, our agents, and our community! What Sets us Apart: We maintain a people-first mentality that starts and ends with our agents. Our unparalleled benefits and connections within the insurance industry ensure that our agents have the resources they need to excel inside and outside of work If you feel this might be the home you have been looking for. Click APPLY! Commissions as a New Agent: This position is a commission-only based sales position. The average commission on a mortgage protection product is approximately $600 per family you protect. Our expectation is that a full-time agent will sell 5 to 10 mortgage protection plans per week. In addition to mortgage protection, we also have a selection of premium financial products to help people save for retirement or protect their current retirement accounts (e.g. 401k's and IRA's) from losing money in the stock market. We have extensive training on how these products work and how to sell them. In addition to uncapped commission, we have a competitive bonus structure program along with incentive trips agents/managers can qualify for based on their individual and team results. ***No agent's success, earnings, or production results should be viewed as typical, average, or expected. Not all agents achieve the same or similar results, and no particular results are guaranteed. Your level of success will be determined by several factors, including the amount of work you put in, your ability to successfully follow and implement our training and sales system and engage with our lead system, and the insurance needs of the customers in the geographic areas in which you choose to work.

Job Description At ServisFirst, Our Name is Our Mission. DUTIES AND RESPONSIBILITIES The Mortgage Underwriter is responsible for the timely and accurate underwriting of all mortgage loan files according to bank and investor guideline and compliance regulations. The incumbent will: Underwrite mortgage loans to ensure compliance with bank and investor guidelines Assess loan attributes and documentation for soundness and accuracy Evaluate debt ratio, loan-to-value ratio, credit score, and appraisal to meet investor guidelines Review and analyze appraisals to ensure loan risk is acceptable to bank and investor guidelines Determine and document loan conditions, requirements, and decisions Evaluate Loan Estimate (LE) for accuracy and compliance with RESPA and TRID Utilize an Automated Underwriting System (AUS) or predetermined guidelines to underwrite loans Stay abreast of Private Mortgage Insurance (PMI) guidelines and order PMI as necessary Maintain knowledge of all applicable underwriting guidelines Review legal and regulatory compliance documents for accuracy Provide strong and clear communication to other mortgage department personnel and borrowers regarding documents needed for mortgage loan files to ensure quick turnaround time Provide guidance to processors regarding procedures and requirements Assist closing/post-closing personnel to ensure loan is purchased by investor Perform administrative duties such as faxing, photocopying, filing and phone support as necessary Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job. Note: Additional duties and responsibilities may be assigned. MINIMUM QUALIFICATIONS High school diploma or equivalent; some college preferred Five (5) years of mortgage lending experience Three (3) years of mortgage underwriting experience Previous experience using automated underwriting technology preferred Basic knowledge of bank operations and products Basic knowledge of federal and state banking compliance regulations, and other Bank operational policies Knowledge of federal and state regulations regarding lending and related consumer disclosure requirements Excellent knowledge of agency and investor guidelines Effective oral, written and interpersonal communication skills with the ability to carry out instructions, understand procedures and write correspondence Proficient in Microsoft Outlook, Word and Excel Excellent customer service and time management skills Ability to multitask, as shown in previous experience completing tasks under time constraints Good organizational skills Good data entry/keyboarding and math skills PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS The physical requirements and environmental conditions of this position consist primarily of: Sustained standing and sitting Frequent use of PC, including typing or sustained attention to monitor Frequent typing using a keyboard and/or calculator Occasional lifting of basic office files or equipment up to 20 lbs Normal office environment with comfortable internal temperatures and low level noise EOE/AA

At First Horizon Bank Operations, we are on a mission to deliver a seamless customer experience. We are passionate about doing things right and doing the right things. We collaborate with each other and with our internal business partners to delight our customers. We believe in creating an environment where everyone's ideas are valued so that the team operates at its best. Our team members serve with humility and a deep commitment to their responsibility to be the best at serving their customers one opportunity at a time. Summary The Centralized Commercial Lending - Renewal Team is searching for a Commercial Underwriter II responsible for evaluating business loan applications based on established Bank policies and procedures. Candidate will evaluate the merits of an existing loan request in the $1MM-$3MM range of total exposure, and either recommend a decision to a senior credit officer or use their own authority to decision the application. Key Responsibilities * Review cash flows and Moody's spreads either self-prepared or prepared by the Credit Analyst, conduct in-depth analyses of financial information to form a recommendation of approval or denial of new loans in accordance with the Bank's policy and procedures. Prepare Credit Origination Memorandum in a clearly written concise manner, identifying strengths, risks and mitigating factors. Review, analyze and evaluate financial and pertinent data to determine credit worthiness of loan prospects and merits of specific loan requests. Collaborate with Relationship Managers, leaders and Relationship Managers to gather all necessary information to present an accurate and complete assessment of the loan presented. * Ability to prepare high quality, detailed credit approval documents that contain an in-depth analysis, an understanding of and identification of credit issues and risks. Ability to spread and interpret financial statements, tax returns, and projections using Excel. * Ability to provide recommendations on loan structuring and alternative structures that may be more appropriate for the transaction. * Ability to work in a high-volume environment, meeting or exceeding Service Level Agreements and turn time goals throughout the process, providing credit decisions in a timely manner. * Work independently on special projects related to credit topics and issues as requested by Bank Credit team(s). * Support the Bank's strong relationship banking culture through on-going internal partner contact, quality customer service, and superior product knowledge. Understand and adhere to the Bank's Bank Secrecy Act policy and procedures and "know your customer/enhanced due diligence" guidelines. Brings any suspicious activity to the attention of a supervisor, or the Bank Secrecy Act Officer. Follow all Bank policies and procedures to ensure compliance with all laws and regulations. * May perform other duties as assigned. Requirements * Bachelor's degree required for consideration or equivalent combination of education and experience * Three (3) to five (5) years of commercial credit underwriting experience Knowledge/Skills/Abilities/Training/Systems * Fundamental understanding of commercial credit underwriting. * Ability to interact with all levels of clients, staff and management. * Ability to work successfully in a deadline driven team environment. * Strong MS Office skills, especially with Excel. * Must be organized and detail oriented with the ability to multitask. * Must be able to work independently and make sound decisions. * Good written and oral communication skills. * Good fundamental understanding of general bank operations, proficient understanding of the components of financial planning, deposit products, small business products, investment and insurance products. * Knowledge of Moody's CreditLens preferred * Knowledge of nCino preferred About Us First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ********************* Benefit Highlights * Medical with wellness incentives, dental, and vision * HSA with company match * Maternity and parental leave * Tuition reimbursement * Mentor program * 401(k) with 6% match * More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits Follow Us Facebook X formerly Twitter LinkedIn Instagram YouTube

At Amwins, we succeed together - and have a good time doing it. We know people don't leave companies. They leave cultures - which is why we work so hard on ours. At Amwins, we thrive on collaboration, not cutthroat competition. Our teams work together to help each other succeed, and we do right by our clients so they can do right by theirs. First and foremost, we invest in our employees. That investment shows in everything we do; education and development programs, comprehensive and competitive benefits, and an organizational structure that's 43% owned by employee shareholders. Our commitment to diversity, equity and inclusion helps cultivate an open, welcoming workplace that reflects the communities we serve. You will have the opportunity volunteer within Amwins through a wide range of committees and in your community through the Amwins Foundation and Summer of Service. Working at Amwins means you love what you do, how you do it and, ultimately, who you do it with. Whether it's today or 150 years from now, we continue to invest in our culture and your development so opportunities for growth and career advancement are never in short supply. At Amwins, we win together - and have a good time doing it. Learn more about us at amwins.com. We see you in Amwins blue! Join our Special Risk Underwriting team in Birmingham. This position is in-office. Snapshot of what Amwins provides to our team members: Compensation includes a salary commensurate with experience Annual bonus potential Broad benefits package available Most benefits available first day of employment Medical, Dental, Vision, Life, etc Paternal Leave, Adoption Assistance, Travel Reimbursement for healthcare, Retail Discount Program, Scholarships for dependents of Amwins employees, etc Generous Paid Time Off and Company Holiday Schedule Collaborative, continuing education focused work environment Career advancement opportunities Each Associate Underwriter provides vital team functions: Review submissions information required to issue new or renewal quotes Rate and prepare of new or renewal quotes as directed by Underwriter Review of and handling of inspection recommendations and discrepancies Monitor various reports for consistency Potential for policy issuance and endorsement processing, including audits Assist in accounting procedures such as invoicing Data entry into multiple internet based systems We are looking for people with: 1+ year office work experience or a degree from an accredited college or university Insurance experience is a bonus! The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.