Underwriter jobs in Albany, NY

This job serves as the single-point-of-contact for sales teams and assigned customers, delivering insights and recommendations to sales in order to aid customer acquisition/retention while maintaining performance goals. This incumbent will collaborate with cross functional team members on client-level quotes and function as a trusted adviser by providing financial and risk management support to sales as well as strategic insight. **ESSENTIAL RESPONSIBILITIES** + Understand department and the company'sstrategic goals and competitive position and drives client-level results towards these ends. Actively work with Sales team to manage portfolio of clients towards financial and business targets, e.g. membership, revenue, margin, etc. + Proactively draw insights from quote details, client understanding and regional insights to deliver best-possible recommendation to Sales. State and maintain independent perspective, including under pressure from more senior individuals, identifying opportunities and concerns. + Responsible for portfolio of clients through underwriting engagement, from identification through documentation of final sold-contract details + Assess risk by looking at various risk measures such as risk scores, demographic analysis, and turnover considerations. + Serve as the accountable owner for all quotes delivered to sales partners. Develop a perspective on each client package deliverable. Clearly and confidently communicates Underwriting's position on the risk profile of each client + Identify tool improvement needs and communicates needs to Product Development teams + Maintain accurate book management details including concession budget + Other duties as assigned or requested. **Required** + Bachelor's Degree in Science, Technology, Mathematics or related field **Substitutions** + Six (6) years additional experience required in lieu of degree **Preferred** + None **EXPERIENCE** **Required** + 3 years of Health Care Underwriting OR risk mgmt OR actuary work OR applying advanced mathematics to include + 1 years of external client interaction or comparable external interactions **Preferred** + 1 year in Risk Management **OR** of Actuary work **OR** of applying Advanced Mathematics **LICENSES or CERTIFICATIONS** **Required** + None **Preferred** + None **SKILLS** + Understanding of health products, services, risk assessment and techniques + Consultative mindset + Strong Oral and Written Communications skills **Language (Other than English):** None **Travel Requirement:** 0% - 25% **PHYSICAL, MENTAL DEMANDS and WORKING CONDITIONS** **Position Type** Office-based Teaches / trains others regularly Rarely Travel regularly from the office to various work sites or from site-to-site Occasionally Works primarily out-of-the office selling products/services (sales employees) Never Physical work site required Yes Lifting: up to 10 pounds Constantly Lifting: 10 to 25 pounds Rarely Lifting: 25 to 50 pounds Never **_Disclaimer:_** _The job description has been designed to indicate the general nature and essential duties and responsibilities of work performed by employees within this job title. It may not contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees to do this job._ **_Compliance Requirement_** _: This job adheres to the ethical and legal standards and behavioral expectations as set forth in the code of business conduct and company policies._ _As a component of job responsibilities, employees may have access to covered information, cardholder data, or other confidential customer information that must be protected at all times. In connection with this, all employees must comply with both the Health Insurance Portability Accountability Act of 1996 (HIPAA) as described in the Notice of Privacy Practices and Privacy Policies and Procedures as well as all data security guidelines established within the Company's Handbook of Privacy Policies and Practices and Information Security Policy._ _Furthermore, it is every employee's responsibility to comply with the company's Code of Business Conduct. This includes but is not limited to adherence to applicable federal and state laws, rules, and regulations as well as company policies and training requirements._ **Pay Range Minimum:** $50,200.00 **Pay Range Maximum:** $91,200.00 _Base pay is determined by a variety of factors including a candidate's qualifications, experience, and expected contributions, as well as internal peer equity, market, and business considerations. The displayed salary range does not reflect any geographic differential Highmark may apply for certain locations based upon comparative markets._ Highmark Health and its affiliates prohibit discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibit discrimination against all individuals based on any category protected by applicable federal, state, or local law. We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact the email below. For accommodation requests, please contact HR Services Online at ***************************** California Consumer Privacy Act Employees, Contractors, and Applicants Notice Req ID: J272541

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

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.

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.

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

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.

The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join Residential Lending team as a: Residential Mortgage Underwriter This opportunity may be perfect for you if you have experience in: > Proven experience in residential mortgage underwriting, including proficiency with Fannie Mac, Fannie Mae, FHA, and/or VA guidelines. > Exceptional organizational and analytical skills with a meticulous attention to detail, particularly in reviewing complex financial documentation and borrower profiles. > Strong passion for helping people in the community, applying ethical, sound judgement, to help qualified applicants achieve homeownership. > Refined communication and customer service skills to clearly convey complex credit decisions and collaborate effectively with loan officers and processors. About this position: Responsible for underwriting and presenting residential loan applications, analyzing supporting documentation and making appropriate decision recommendations which comply with operating policies and procedures established for the real estate lending function. This position requires a regular, scheduled presence at our Glens Falls, New York headquarters. The schedule is hybrid optional, but candidates must be able to easily commute to Glens Falls, New York for required office days. This role is not a fully remote opportunity. ESSENTIAL JOB FUNCTIONS: > Analyze income and credit worthiness to determine applicant ability and willingness to repay. > Review and analyze income documentation, appraisal reports and other documentation for adequacy and compliance with Bank, secondary market, regulatory and other third-party guidelines. > Work directly with other Company personnel, closing attorneys, and real estate appraisers to ensure that files are complete and documented adequately prior to closing. > Assist with administration of construction loans by making recommendations regarding builder approval, construction advance schedules and draw requests. > Support other business units for quality control, audit and compliance support as requested, by reviewing pre-closing and/or post-closing residential loan file data and documentation. > Prepare, review and reconciles reports as requested. What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications: > Bachelor's degree in a related field or equivalent experience required > Advanced Degree, certification, or license preferred > 4 years of mortgage, finance, real estate, legal or general business experience Skills/Knowledge: > Solid problem solving, organizational and analytical skills; ability to extract and interpret information from multiple sources > Strong communication skills, both written and verbal; comfortable communicating with customers, co-workers, management, and other third parties > Thorough knowledge of underwriting, all mortgage products, and current lending regulations > Proficient in Microsoft Office Suite: Word, Excel, Outlook as well as banking-related software Physical Demands: > Must be able to sit for prolonged periods of time and walk/stand for brief periods of time. > Must be able to repetitively use a telephone and computer mouse and keyboard. > Ability to lift/move up to 15 lbs. What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: > Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays > Medical, Dental, and Vision Insurance and Flexible Spending Plan > Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership > Education and Tuition Reimbursement > Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation's leading publications and bank-rating firms. The salary range for this position is $24.00-$29.00 per hour commensurate with experience and education. Additional compensation may be earned through the Company's annual bonus program, subject to individual and company performance. L1-st1 This position requires a regular, scheduled presence at our Glens Falls, New York headquarters. The schedule is hybrid optional, but candidates must be able to easily commute to Glens Falls, New York for required office days. This role is not a fully remote opportunity.

Job Description The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join Residential Lending team as a: Residential Mortgage Underwriter This opportunity may be perfect for you if you have experience in: > Proven experience in residential mortgage underwriting, including proficiency with Fannie Mac, Fannie Mae, FHA, and/or VA guidelines. > Exceptional organizational and analytical skills with a meticulous attention to detail, particularly in reviewing complex financial documentation and borrower profiles. > Strong passion for helping people in the community, applying ethical, sound judgement, to help qualified applicants achieve homeownership. > Refined communication and customer service skills to clearly convey complex credit decisions and collaborate effectively with loan officers and processors. About this position: Responsible for underwriting and presenting residential loan applications, analyzing supporting documentation and making appropriate decision recommendations which comply with operating policies and procedures established for the real estate lending function. This position requires a regular, scheduled presence at our Glens Falls, New York headquarters. The schedule is hybrid optional, but candidates must be able to easily commute to Glens Falls, New York for required office days. This role is not a fully remote opportunity. ESSENTIAL JOB FUNCTIONS: > Analyze income and credit worthiness to determine applicant ability and willingness to repay. > Review and analyze income documentation, appraisal reports and other documentation for adequacy and compliance with Bank, secondary market, regulatory and other third-party guidelines. > Work directly with other Company personnel, closing attorneys, and real estate appraisers to ensure that files are complete and documented adequately prior to closing. > Assist with administration of construction loans by making recommendations regarding builder approval, construction advance schedules and draw requests. > Support other business units for quality control, audit and compliance support as requested, by reviewing pre-closing and/or post-closing residential loan file data and documentation. > Prepare, review and reconciles reports as requested. What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications: > Bachelor's degree in a related field or equivalent experience required > Advanced Degree, certification, or license preferred > 4 years of mortgage, finance, real estate, legal or general business experience Skills/Knowledge: > Solid problem solving, organizational and analytical skills; ability to extract and interpret information from multiple sources > Strong communication skills, both written and verbal; comfortable communicating with customers, co-workers, management, and other third parties > Thorough knowledge of underwriting, all mortgage products, and current lending regulations > Proficient in Microsoft Office Suite: Word, Excel, Outlook as well as banking-related software Physical Demands: > Must be able to sit for prolonged periods of time and walk/stand for brief periods of time. > Must be able to repetitively use a telephone and computer mouse and keyboard. > Ability to lift/move up to 15 lbs. What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: > Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays > Medical, Dental, and Vision Insurance and Flexible Spending Plan > Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership > Education and Tuition Reimbursement > Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation's leading publications and bank-rating firms. The salary range for this position is $24.00-$29.00 per hour commensurate with experience and education. Additional compensation may be earned through the Company's annual bonus program, subject to individual and company performance. L1-st1 This position requires a regular, scheduled presence at our Glens Falls, New York headquarters. The schedule is hybrid optional, but candidates must be able to easily commute to Glens Falls, New York for required office days. This role is not a fully remote opportunity.

The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join Residential Lending team as a: Residential Mortgage Underwriter This opportunity may be perfect for you if you have experience in: > Proven experience in residential mortgage underwriting, including proficiency with Fannie Mac, Fannie Mae, FHA, and/or VA guidelines. > Exceptional organizational and analytical skills with a meticulous attention to detail, particularly in reviewing complex financial documentation and borrower profiles. > Strong passion for helping people in the community, applying ethical, sound judgement, to help qualified applicants achieve homeownership. > Refined communication and customer service skills to clearly convey complex credit decisions and collaborate effectively with loan officers and processors. About this position: Responsible for underwriting and presenting residential loan applications, analyzing supporting documentation and making appropriate decision recommendations which comply with operating policies and procedures established for the real estate lending function. This position requires a regular, scheduled presence at our Glens Falls, New York headquarters. The schedule is hybrid optional, but candidates must be able to easily commute to Glens Falls, New York for required office days. This role is not a fully remote opportunity. ESSENTIAL JOB FUNCTIONS : > Analyze income and credit worthiness to determine applicant ability and willingness to repay. > Review and analyze income documentation, appraisal reports and other documentation for adequacy and compliance with Bank, secondary market, regulatory and other third-party guidelines. > Work directly with other Company personnel, closing attorneys, and real estate appraisers to ensure that files are complete and documented adequately prior to closing. > Assist with administration of construction loans by making recommendations regarding builder approval, construction advance schedules and draw requests. > Support other business units for quality control, audit and compliance support as requested, by reviewing pre-closing and/or post-closing residential loan file data and documentation. > Prepare, review and reconciles reports as requested. What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications: > Bachelor's degree in a related field or equivalent experience required > Advanced Degree, certification, or license preferred > 4 years of mortgage, finance, real estate, legal or general business experience Skills/Knowledge: > Solid problem solving, organizational and analytical skills; ability to extract and interpret information from multiple sources > Strong communication skills, both written and verbal; comfortable communicating with customers, co-workers, management, and other third parties > Thorough knowledge of underwriting, all mortgage products, and current lending regulations > Proficient in Microsoft Office Suite: Word, Excel, Outlook as well as banking-related software Physical Demand s: > Must be able to sit for prolonged periods of time and walk/stand for brief periods of time. > Must be able to repetitively use a telephone and computer mouse and keyboard. > Ability to lift/move up to 15 lbs. What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: > Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays > Medical, Dental, and Vision Insurance and Flexible Spending Plan > Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership > Education and Tuition Reimbursement > Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation's leading publications and bank-rating firms. The salary range for this position is $24.00-$29.00 per hour commensurate with experience and education. Additional compensation may be earned through the Company's annual bonus program, subject to individual and company performance. L1-st1

Come work with us: Metropolitan Commercial Bank (the “Bank”) is a full-service commercial bank based in New York City. The Bank provides a broad range of business, commercial, and personal banking products and services to individuals, small businesses, private and public middle-market and corporate enterprises and institutions, municipalities, and local government entities. Metropolitan Commercial Bank was named one of Newsweek's Best Regional Banks and Credit Unions 2024. The Bank was ranked by Independent Community Bankers of America among the top ten successful loan producers for 2023 by loan category and asset size for commercial banks with more than $1 billion in assets. Kroll affirmed a BBB+ (investment grade) deposit rating on January 25, 2024. For the fourth time, MCB has earned a place in the Piper Sandler Bank Sm-All Stars Class of 2024. Metropolitan Commercial Bank operates banking centers and private client offices in Manhattan, Boro Park, Brooklyn and Great Neck on Long Island in New York State. The Bank is a New York State chartered commercial bank, a member of the Federal Reserve System and the Federal Deposit Insurance Corporation, and an equal housing lender. The parent company of Metropolitan Commercial Bank is Metropolitan Bank Holding Corp. (NYSE: MCB). Position summary: The Credit Underwriter (AVP) is responsible for undertaking and presenting robust credit risk analysis in support of relationship-led loan requests from our Commercial Real Estate (CRE) team. The role will focus on CRE (e.g. Multi-Family, Mixed-Use, Office, Industrial, Retail, Hospitality, Charter Schools, Construction) with an emphasis on transitional loans, leading underwriting for straight forward loans and with senior support provided for the more complex transactions. We have a flexible work schedule where employees can work from home one day a week. Essential functions and responsibilities: With limited supervision, undertaking financial and credit risk analysis for borrowers and guarantors in a timely manner; including financials, projections, global cash flows, REO schedule, industry/market, structure, and terms. Demonstrating understanding of credit risks and mitigants, presenting analysis and risk rating recommendation clearly and concisely in risk focused credit proposals for submission to the FVP Credit/Deputy CCO for review. Analyze third party appraisals, challenge appraiser assumptions and sensitize in your credit analysis. Work closely and proactively with Lending Officers throughout the transaction process, ensuring financials are complete, accurate and received in a timely manner. Attend client meetings and/or site visits as appropriate. In partnership with the Lending Officers, ensure all credit related questions from the approval authority are addressed efficiently and effectively. Undertake annual review of loans ensuring performance in line with plan. Escalate any performance concerns, covenant issues and/or proposed risk rating downgrades. Willingness to develop good understanding of compliance, regulations, and the Bank's commercial lending policies. Assisting in the completion of various monthly, quarterly or ad hoc reports as necessary. Assisting in gathering information required by Bank examiners and internal audit. Undertake ad hoc credit risk projects with limited oversight. Knowledge, skills and abilities: Bachelor's degree in Business, Accounting or Finance; or equivalent experience Minimum 3 years in credit related field, preferably in a banking environment Strong analytical / financial modeling skills Excellent written and verbal communication skills Good interpersonal skills; work collaboratively and with integrity with key internal and external stakeholders. Strong team player with desire to grow and assume additional responsibilities. Working knowledge of all MS Office Suite products and appetite to learn core database management programs Potential Salary: $110k - $130k annually This salary range reflects base wages and does not include benefits, bonus, or incentive pay. Salary bands are purposefully wide ranging to encompass the different factors considered in determining where a candidate falls in the range, including but not limited to, seniority, performance, experience, education, and any other legitimate, non-discriminatory factor permitted by law. Final offer amounts are determined by multiple factors including candidate experience and expertise and may vary from the amounts listed here. Metropolitan Commercial Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

Be Here. Be Great. Working for a leader in the insurance industry means opportunity for you. Great American Insurance Group's member companies are subsidiaries of American Financial Group. We combine a "small company" culture where your ideas will be heard with "big company" expertise to help you succeed. With over 30 specialty and property and casualty operations, there are always opportunities here to learn and grow. At Great American, we value and recognize the benefits derived when people with different backgrounds and experiences work together to achieve business results. Our goal is to create a workplace where all employees feel included, empowered, and enabled to perform at their best. Great American's Bond Division has been underwriting surety bonds since 1926. We are known for expert underwriting, solid financial strength, market leadership, and creative solutions. Great American is one of the top surety companies in the United States. Bonds - Great American Insurance Group The Bonds Division is hiring for a Senior Commercial Surety Underwriter. This candidate can be in Seattle, Washington or San Francisco Bay Area. The position involves in-office work and traveling within the assigned territory. Essential Job Functions and Responsibilities * Understand and analyze business reports needed in the underwriting processes, including credit checks, bank agreements, and financial statements. * Assess risk quality in compliance with company guidelines. * Develop and maintain strategic relationships with internal and external stakeholders. * Communicate effectively. * Must be highly organized to handle a variety of responsibilities. * Deliver exceptional customer service. * Make timely, informed decisions. * Operate with integrity and honesty. * Hold themself accountable for achieving established objectives. * Use independent judgment and initiative to support business goals. * Stays updated on industry trends, regulatory changes, and market conditions. Job Requirements * Education: Bachelor's Degree or equivalent experience. * Field of Study: Finance, Accounting or a related discipline * Experience: Generally, 3+ years of related experience. Progression toward certification in area of expertise preferred; appropriate certifications could include Associate in Surety and Fidelity Bonding (AFSB), Certified Public Accountant (CPA) and/or Registered Professional Liability Underwriter (RPLU). Business Unit: Bond Salary Range: $115,000.00 -$175,000.00 Benefits: Compensation varies by role, position level, and location. Individual pay is influenced by skills, education, training, certifications, experience, and the role's scope and complexity, along with business needs. We offer a competitive Total Rewards package, including medical, dental, and vision plans starting on day one, PTO, paid holidays, commuter benefits, an employee stock purchase plan, education reimbursement, paid parental leave/adoption assistance, and a 401(k) plan with company match. These benefits are available to eligible full-time and part-time employees. Your recruiter can provide more details about our total rewards and specific compensation ranges during the hiring process.

Responsible for underwriting mortgage loans, including government loans to determine acceptability with M&T Bank and secondary market standards set by the investor to ensure saleability and sound credit quality while adhering to the requirements of Federal registration under the SAFE Act. Primary Responsibilities: Underwrite conventional (conforming and non-conforming) FHA, VA residential mortgage loans per product and investor guidelines through AUS and/or manual underwriting. Ensures loans are in compliance with investor requirements, federal and state laws and regulations. Performs risk assessment of credit and collateral ensuring loan saleability and sound credit quality. Responds to and resolved any post-closing issues to ensure loan saleability. Assist management to clear conditions and expedited loan closings. Keep informed of current practices in loan underwriting. Take initiative to keep current on changes in investor and M&T guidelines. Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies. Promote an environment that supports belonging and reflects the M&T Bank brand. Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. Complete other related duties as assigned Scope of Responsibilities: Works with internal staff (Account Executives, Loan Officers, broker Coordinators, Loan Processors, etc.) and external customers (Realtors, Mortgage Brokers, etc.) and third parties to expedite the decision process and loan closings for mortgage loans submitted for approval. Underwriters have frequent day-to-day communication with external and internal customers alike. Complete understanding of investor guidelines and ability to run and interpret AUS findings (DU and LP). The position will re-underwrite and verify monthly, a sampling of loans to insure the accuracy of the documentation. Responsibility to establish and maintain federal registration requirements outlined in the SAFE Act. Supervisory/ Managerial Responsibilities: None. Education and Experience Required: Associate's degree, or in lieu of a degree, 2 years' relevant work experience, plus 4 years mortgage underwriting experience, and Direct Endorsement (DE) or LAPP approval.-OR-Associate's degree, or in lieu of a degree, 2 years' relevant work experience, plus 5 years underwriting experience to include 2 years' experience on a unique product (CRA, construction, State Bond, etc.)-OR-Associate's degree, or in lieu of a degree, 2 years' relevant work experience, plus 6 years conventional underwriting experience. Full knowledge of credit risk Understanding of appraisals. Thorough knowledge of DU/LP valuations (automated underwriting). Knowledge of applicable industry tools to ensure saleability. Strong verbal and written communication skills with ability to interact with all levels. Thorough knowledge of conforming and non-conforming guidelines. Sound saleable decisions.Understanding of risk assessment of both credit and collateral process and the impact to the saleabilty of individual loans. M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $24.76 - $41.27 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBallston Lake, New York, United States of America

The Commercial Credit Underwriter (1mm- 10mm commitments) is an individual contributor experienced in, and responsible for gathering, analyzing, and interpreting various types of credit information on existing and prospective customers to determine credit worthiness. While under supervision of Underwriting Team Leaders, the Commercial Credit Underwriter assists in structuring new requests for extensions of credit, as well as completing extensions, renewals and making recommendations for deteriorating credits while independently managing their workflow and communication with field partners. Commercial Credit Underwriter are responsible for assessing the degree of risk within a given business and recommending client credit solutions to maintain the bank's asset quality while ensuring compliance with credit policy and guidelines. Commercial Credit Underwriters are required to make loan decisions within an assigned lending authority and provide educated, well-thought-out recommendations when higher-level approval is needed. Essential Functions * Evaluate loan requests to properly identify purpose, risk elements, and collateral adequacy. * Assess the liquidity, quality of management, market position, industry and overall business climate to estimate future profitability of business. * Analyze credit data, financial statements (cash flow, balance sheet, income statements), and tax returns (both personal and business) to determine creditworthiness and the degree of risk involved in extending credit or lending. * Apply accounting principles to financial modeling. * Input, interpret, and assess risk rating model output and client data to develop a credit recommendation. * Develop the credit write-up to make loan structuring decisions within delegated authority or make recommendations to the appropriate Credit partners/Officers; document and communicate findings providing relative guidance. * Identify deteriorating credits early and escalate with well thought out/experienced recommendations for restructure. * Initiate annual reviews. * Review loan documentation to ensure loan documents match terms and conditions outlined in the credit approval. * Create and maintain credit files, and develop spreadsheets based on financial statements to facilitate foundational underwriting analysis. * Responsible for client setup, client data tracking, document tracking, reports, testing borrowing base certificates and covenant compliance, trends, and dashboards. * Provide financial analysis and portfolio administration to ensure timely and accurate risk ratings. * Prepare loan packages and monitor and maintain loan portfolios. * Serve as a mentor, coach, and trainer for Credit Analysts. * Collaborate with bankers and credit partners to drive the efficiency and effectiveness of the credit process to meet client expectations. * Participate in periodic projects related to changes in risk management processes, policies or environment and/or underwriting process improvement/optimization. * Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice * Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key's clients and Key. * Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice * Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key's clients and Key. Education * Bachelor's Degree or equivalent work experience in finance, accounting, economics and/or business (required) Work Experience * Minimum of 2 years of commercial/specialty client segment underwriting, credit, banking and/or financial services experience (required) * Competent with Microsoft Office and the ability to learn and effectively utilize other technology applications (required) * Understanding of financial models (required) * Ability to gather relevant research, analyze data, and synthesize large amounts of information to accurately assess commercial creditworthiness and create a detailed and thorough underwriting package (required) * Demonstrated understanding of commercial credit underwriting/approval methodologies, credit policies and procedures (required) * Strong presentation and communication skills, with the ability to collaboratively make an impact (required) * Ability to plan, multi-task, manage time effectively, and work, often independently, with limited supervision of senior team members (required) Skills * Able to gather or pull together relevant information and utilize it to draw insights, conclusions, solution problems, make decisions and/or tell a story. Requires one to make sense of the data and display logical, connected thinking. (experienced level) * Demonstrates an understanding of foundational accounting principles and can interpret and analyze financial statements (balance sheets, income statements, cash flow statements) to assess a company's financial health and ability to meet its obligations. Able to effectively utilize various tools and techniques, including financial ratios, to evaluate a borrower's financial strength and assess risk. (experienced level) * Able to effectively identify, assess, and control potential risks involved with corporate lending. Able to effectively interpret and negotiate credit agreements and loan documentation. Understanding how specific loan terms and conditions can be employed to mitigate risk of loss. (experienced level) * Demonstrated ability to take initiative, set clear objectives, and prioritize tasks to meet deadlines, maximize productivity, and minimize stress. Able to successfully identify which tasks are urgent (requiring immediate attention) and which are important (contributing to long-term goals). Able to effectively multitask and balance competing priorities. Habitually working with energy and commitment; industrious. (experienced level) * Able to clearly, concisely, and persuasively convey information, whether verbal, written, or nonverbal. Able to effectively synthesize large amounts of complex information into a more consumable summary. Consistently demonstrates a focus on keeping clients, partners, and teammates informed as to the real-time status of important matters. (experienced level) * Effectively working with others to reach a shared goal. Consistently displaying a willingness to shoulder a fair share of the workload in addition to helping others meet their objectives. (experienced level) * Consistently taking ownership of one's actions, decisions, and performance, and being responsible for achieving the agreed-upon outcomes. Being reliable, dependable, and fulfilling commitments. Able to be relied upon as honest and truthful. (experienced level) * Able to identify, evaluate, and interpret information, and question assumptions to reach well-supported, evidence-based conclusions. Open-minded and eager to seize opportunities to learn, grow, acquire knowledge, and expand skill set. (experienced level) * Able to carefully evaluate the impact of all emerging and/or existing considerations and choose the best path forward using informed, rational, and effective decision-making techniques in various lending and business situations. (working knowledge level) Core Competencies * All KeyBank employees are expected to demonstrate Key's Values and abide by Key's Code of Conduct. Physical Demands * General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs. Travel * Occasional travel to include overnight stay. Work Location Category * Hybrid (3+ days) COMPENSATION AND BENEFITS This position is eligible to earn a base salary in the range of $61,000.00 - $94,000.00 annually. Placement within the pay range may differ based upon various factors, including but not limited to skills, experience and geographic location. Compensation for this role also includes eligibility for incentive compensation subject to individual and company performance. Please click here for a list of benefits for which this position is eligible. Job Posting Expiration Date: 01/30/2026 KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law. Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_**********************.

About Us Since 1977 we have delivered first class solutions to insurers worldwide, by combining global reach with local decision making. We have built customer & broker relationships on years of trust, experience and execution. Through our people, our products and our partnerships, we deliver the capacity and expertise necessary to contribute to the sustainable growth of prosperous communities worldwide. To do so, our colleagues work with: Integrity Work honestly, to enhance TransRe's reputation Respect Value all colleagues. Collaborate actively. Performance We reward excellence. Be accountable, manage risk and deliver TransRe's strengths Entrepreneurship Seize opportunities. Innovate for and with customers. Customer Focus Anticipate their priorities. Exceed their expectations. We have the following job opportunity in our New York City or Arlington, VA office: Description We seek an experienced Underwriter to join our growing FAIRCO team in our New York City office. FAIRCO is a subsidiary of TransRe Holdings, a Berkshire Hathaway company. This role offers an exciting opportunity to shape and grow a dynamic MPL portfolio by leveraging and cultivating strong broker relationships. In this role, the senior underwriter will drive high-quality medical malpractice submissions, strategically underwrite profitable business, and contribute to sustainable growth that enhances overall company performance. The ideal candidate combines strong industry relationships, market insight, and underwriting expertise to shape strategies. Responsibilities include, but are not limited to: Underwriting healthcare business in accordance with company underwriting guidelines ensuring sound risk selection and enable profitable growth for the portfolio. Building and maintaining strong relationships with wholesale and retail insurance brokers to deliver customized insurance solutions for diverse healthcare accounts. Partnering with internal teams to drive growth in mental healthcare segment and identify opportunities in additional healthcare classes. Monitoring MPL market trends and jurisdictional developments while executing targeted marketing initiatives to maintain competitive positioning, create new business opportunities, and strengthen FAIRCO's leadership in the market. Collaborating with Claims, Product Leadership, and Actuarial teams to design and price customized insurance solutions-tailoring limits, coverage, and terms for complex risks requiring flexibility. Promoting company products through marketing efforts, travel, and participation in industry conferences. Requirements 8+ years of experience underwriting medical professional liability on excess and surplus lines (E&S) Proven track record of managing relationships and leveraging established connections with wholesale & retail broker markets Excellent analytical, negotiation, and communication skills RPLU designation, a plus Ability and willingness to travel for client and broker engagement. Work Schedule TransRe is supportive of an agile work schedule, which may differ based on individual roles, your local office's practices and preferences, marketplace trends, and TransRe's business objectives. This position is eligible for a hybrid work schedule. Compensation In addition to base salary, for this position, TransRe offers a comprehensive benefits package, paid time off, and incentive pay opportunity. The anticipated annual base salary range in New York for this position, exclusive of benefits, paid time off, and incentive pay opportunity is $140,000 - $180,000. This range is an estimate, and the actual base salary offered for this position will be determined based on certain factors, including the applicant's specific skill set and level of experience. We are an Equal Opportunity Employer (EOE) and we support diversity in the workforce.

Underwriter, Manufacturers & Airports Join us as a Underwriter Manufacturers & Airports to play a highly influential role in protecting our clients and growing our business. 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. About the role Under general direction underwrites assigned aerospace risks within individual authority across numerous insurance product lines. * Lines include pleasure and business and corporate aircraft, sightseeing, charter, aerial photography and survey, airports, aircraft component manufacturers, aerial application (agriculture), unmanned aerial systems, (drones), flight schools and training providers. * Evaluates risk profile of aerospace businesses including with special emphasis on suitability of pilot credentials and qualifications for the type of aircraft to be underwritten. * Uses specialized knowledge of wide variety of aircraft types, performance and characteristics with attention to the various pilot skills needed for safe operation. * Designs suitable transition, training or risk remediation programs for pilots falling outside criteria. * Uses understanding of particularities of global geographic insurance market dynamics and placement criteria to arrange risk transfer programs. * Demonstrates proven ability to develop and maintain exceptional working and production relationships. * Makes independent sales calls to market and cross-market products. * Manages an assigned portfolio of renewal business. * Achieves established rating targets as set from by the company. * Assists Management in the preparation of business, line reports and agency analysis; assists in the review of procedures to resolve issues. * Participates in research projects involving identification and classification data. * May assess needs and suggest/promote alternative products or services. * Responsible for the day-to-day management of a book of business including customer service inquiries. * May monitor performance of staff members according to established monitoring standards. * May approve special price concessions, quotes, bid allowances, or adjustments. TECHNICAL SKILLS & EXPERIENCE: * Minimum 1+ years of Commercial Insurance Company, Agency or Brokerage experience. * Bachelor's degree from a four-year college or university. * Proven ability to build and maintain strong professional relationships. * Demonstrated sales, marketing, and relationship building experience. * Very strong verbal and written communication skills. * Highly motivated and results-oriented. * Ability to work in dynamic, rapidly changing environment, adapting to changing requirements and collaborating with a wide range of colleagues to quickly deliver solutions. * Willingness to be flexible, learn on the job, and maintain a can-do attitude. * Comfort with analytical tools and technology. For positions based in New York City, the base salary range is $68,000 - $91,000. 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. #LI-HB1 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 - Underwriting AIG AEROSPACE INSURANCE SERVICES INC

Corporate & Investment Bank (CIB) delivers a comprehensive suite of banking, capital markets and advisory solutions, including a full complement of sales, trading and research capabilities, to corporate, government and institutional clients. We focus on our clients' overall financial needs, with consideration and respect for their total relationship with Wells Fargo. Commercial Real Estate (CRE) provides a fully integrated platform of banking, financing, and capital markets solutions to commercial real estate clients including financial sponsors, institutional investors and asset managers, regional developers, and public and private corporations. About this role: Wells Fargo is seeking a Lead Commercial Real Estate Underwriter to conduct underwriting and due diligence on Commercial Real Estate loans for Commercial Mortgage-Backed Securities (CMBS) loans. Learn more about our career areas and lines of business at wellsfargojobs.com In this role, you will: Underwrite complex CMBS loans primarily from ~$5MM to $150MM. Complete underwriting and financial models for transactions Conduct due diligence on property cash flow and operating expenses Review tenant leases and estoppels Read and review third party reports, including environmental, engineering, and appraisals Field questions from Rating Agencies and investors related to the underwriting of the transaction. Review borrower organizational charts and documents Complete Site Inspections Identify risks and mitigates associated with transactions. Identify any required CMBS underwriting disclosures during the transaction. Prepare internal risk ratings for the bank. Prepare and present credit approval memos Manage and train junior team members Work alongside senior leadership to enhance efficiency in the platform and influence objectives, plans, specifications, resources, and long-term goals for business and technical needs across Commercial Real Estate Underwriting Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation, and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements. Required Qualifications: 5+ years of Commercial Real Estate Underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: Experience with Commercial Mortgage-Backed Securities (CMBS), balance sheet, or debt fund lending Extensive knowledge and understanding of bank and Commercial Mortgage-Backed Securities lending programs and credit policies Experience with non-recourse, cash flow-based lending structures Superior project management skills including the ability to handle multiple projects concurrently Strategic planning experience in translating leadership vision into executable strategies and initiatives Excellent communication skills and ability to articulate complex material to a diverse audience Advanced Microsoft Excel skills Advanced Microsoft Office skills Ability to make timely and independent judgment decisions while working in a fast-paced and results-driven environment Ability to prepare management level presentations Job Expectations: Ability to travel as needed Willingness to work on-site in accordance with current office requirements Ability to work additional hours as needed This position is subject to FINRA Background Screening Requirements, including successful completion and clearing of a background check. Internal transfers are subject to comply with 17 CFR 240.17f-2 of the Securities Exchange Act of 1934 and FINRA Bylaws, Article III, Section 3, which states that Associated Persons should not be subject to statutory disqualification. Successful candidates must also meet ongoing regulatory requirements including additional screening and are required to report certain incidents. Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process. Pay Range Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to achievements, skills, experience, or work location. The range listed is just one component of the compensation package offered to candidates. $167,000.00 - $260,000.00 Benefits Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees. Health benefits 401(k) Plan Paid time off Disability benefits Life insurance, critical illness insurance, and accident insurance Parental leave Critical caregiving leave Discounts and savings Commuter benefits Tuition reimbursement Scholarships for dependent children Adoption reimbursement Posting End Date: 21 Dec 2025 * Job posting may come down early due to volume of applicants. We Value Equal Opportunity Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic. Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements. Applicants with Disabilities To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo. Drug and Alcohol Policy Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more. Wells Fargo Recruitment and Hiring Requirements: a. Third-Party recordings are prohibited unless authorized by Wells Fargo. b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

What part will you play? If you're looking for a place where you can make a meaningful difference, you've found it. The work we do at Markel gives people the confidence to move forward and seize opportunities, and you'll find your fit amongst our global community of optimists and problem-solvers. We're always pushing each other to go further because we believe that when we realize our potential, we can help others reach theirs. Join us and play your part in something special! The position encompasses Property underwriting on a wholesale only basis for the Markel Wholesale & Specialty Northeast Region. The primary purpose of this position is to underwrite new business and renewals in a profitable manner and according to authority level and established guidelines, and drive projects having an impact on the business. Assigned a varying TIV size range of accounts with a focus on smaller to middle market size risks. Ability to write both primary and excess coverage. Utilize underwriting tools to determine accurate classifications, rates, and premium charges. Understand state laws, including cancellation and non-renewal, within assigned territory to properly transact business within each state. Knowledgeable in coverage forms and policy language; appropriate utilization of forms and exclusions. Responsibilities: Review, analyze, accept, and decline Property risks to ensure profitability for Markel. Underwrite and select new business that will produce an underwriting profit. Manage an existing renewal book and implement corrective measures, as needed, to meet profitability expectations. Communicate with regional managers and national product line leaders regarding individual accounts, current and proposed producers, and make recommendations concerning operations, systems and procedures when appropriate. Participate in audits and/or underwriting meetings as required. Build and maintain quality relationships with key producers while simultaneously monitoring the entire appointed producer base for profitability and production. Review forms and pricing of competitors and be able to effectively market the Markel product within the competitive landscape Requirements: Minimum 3 years current property underwriting expertise. Demonstrated technical knowledge and skills reflective of progression of positions with increasing responsibility. Demonstrated marketing and relationship building skills. Four-year college degree desired and insurance designations a plus. Excellent oral and written communication skills. Strong analytical and organizational skills. Must be a team player that enjoys a flexible and spontaneous business environment. 20% travel in the Northeast Region of the US. #LI-SY #LI-Hybrid US Work Authorization US Work Authorization required. Markel does not provide visa sponsorship for this position, now or in the future. Pay information: The base salary offered for the successful candidate will be based on compensable factors such as job-relevant education, job-relevant experience, training, demonstrated competencies, geographic location, and other factors. The base salary range for the Underwriting Specialist position is $104k - $143k/year with a 25% bonus potential, for the Executive Underwriter position is $116k - $159k with a 30% bonus potential. Who we are: Markel Group (NYSE - MKL) a fortune 500 company with over 60 offices in 20+ countries, is a holding company for insurance, reinsurance, specialist advisory and investment operations around the world. We're all about people | We win together | We strive for better We enjoy the everyday | We think further What's in it for you: In keeping with the values of the Markel Style, we strive to support our employees in living their lives to the fullest at home and at work. We offer competitive benefit programs that help meet our diverse and changing environment as well as support our employees' needs at all stages of life. All full-time employees have the option to select from multiple health, dental and vision insurance plan options and optional life, disability, and AD&D insurance. We also offer a 401(k) with employer match contributions, an Employee Stock Purchase Plan, PTO, corporate holidays and floating holidays, parental leave. Are you ready to play your part? Choose ‘Apply Now' to fill out our short application, so that we can find out more about you. Caution: Employment scams Markel is aware of employment-related scams where scammers will impersonate recruiters by sending fake job offers to those actively seeking employment in order to steal personal information. Frequently, the scammer will reach out to individuals who have posted their resume online. These "job offers" include convincing offer letters and frequently ask for confidential personal information. Therefore, for your safety, please note that: All legitimate job postings with Markel will be posted on Markel Careers. No other URL should be trusted for job postings. All legitimate communications with Markel recruiters will come from Markel.com email addresses. We would also ask that you please report any job employment scams related to Markel to ***********************. Markel is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of any protected characteristic. This includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law. Should you require any accommodation through the application process, please send an e-mail to the ***********************. No agencies please.

This position is involved in the review and appraisal of applications for insurance placement . Uses knowledge and independent judgment to determine eligibility of risks when compared to guidelines of programs available. Interacts with Companies and Brokers via telephone, e-mail, regular mail and personal contact. Essential Duties and Responsibilities: Reviews applications for insurance coverage, reports from loss control consultants and other information to determine if application is acceptable for the program(s) available. Evaluate the experience of a risk against the class of business under review. Evaluate the loss potential due to catastrophe, severity, and/or frequency. May rate policies or check previously rated policies for proper rating. Utilizes knowledge of automated systems to develop information for new or renewal policies. Prepares quotations for agents and answers questions from agents, policyholder, or prospects. Assists agents with comments or questions about applications and the likelihood of acceptance by the company. Reviews requests for cancellation, endorsements, etc. Reviews policies for renewal consideration. Request additional documentation necessary for the processing of an application, endorsement or cancellation. Conduct marketing visits to agents. Performs other duties as assigned. Qualifications/Requirements: Must have Producer's License. 3 plus years of insurance experience. Prior exposure to insurance underwriting type activities. Basic familiarity with computers. Good oral and written communications skills. Strong analytical skills and the ability to pay attention to details. Resourceful and controlled assertive behavior characteristics. Must have demonstrated negotiation skills Technical knowledge of insurance coverage forms and their application to exposure. Knowledge of departmental regulations and policies. Ability to work independently and to carry out assignments to completion within parameters of instructions given, prescribed routines and standard accepted underwriting practices. Strong interpersonal skills working with Staff and Company Underwriters Experience in standard underwriting practices and procedures. Associated classes or courses and/or industry license, or designation. We offer a total compensation package which includes salary (range 65k-85k) plus a full comprehensive benefits package. Package includes Paid Time Off Days, Paid Holidays, Hybrid Work Schedule, Retirement Plan with Employer Match, 100% Single Employer Paid Medical, Dental, Vision, Life Insurance, Education Assistance, Various Voluntary Benefits, Wellness Program Including Mental Health Support and an Employee Assistance Program (EAP) and More. Visit Us On LinkedIn: ************************************************* View All Openings: ************************************ Website: **************

The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join Residential Lending team as a: Residential Mortgage Underwriter This opportunity may be perfect for you if you have experience in: > Proven experience in residential mortgage underwriting, including proficiency with Fannie Mac, Fannie Mae, FHA, and/or VA guidelines. > Exceptional organizational and analytical skills with a meticulous attention to detail, particularly in reviewing complex financial documentation and borrower profiles. > Strong passion for helping people in the community, applying ethical, sound judgement, to help qualified applicants achieve homeownership. > Refined communication and customer service skills to clearly convey complex credit decisions and collaborate effectively with loan officers and processors. About this position: Responsible for underwriting and presenting residential loan applications, analyzing supporting documentation and making appropriate decision recommendations which comply with operating policies and procedures established for the real estate lending function. This position requires a regular, scheduled presence at our Glens Falls, New York headquarters. The schedule is hybrid optional, but candidates must be able to easily commute to Glens Falls, New York for required office days. This role is not a fully remote opportunity. ESSENTIAL JOB FUNCTIONS: > Analyze income and credit worthiness to determine applicant ability and willingness to repay. > Review and analyze income documentation, appraisal reports and other documentation for adequacy and compliance with Bank, secondary market, regulatory and other third-party guidelines. > Work directly with other Company personnel, closing attorneys, and real estate appraisers to ensure that files are complete and documented adequately prior to closing. > Assist with administration of construction loans by making recommendations regarding builder approval, construction advance schedules and draw requests. > Support other business units for quality control, audit and compliance support as requested, by reviewing pre-closing and/or post-closing residential loan file data and documentation. > Prepare, review and reconciles reports as requested. What you will need to thrive in this role: In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having: Education/Certifications: > Bachelor's degree in a related field or equivalent experience required > Advanced Degree, certification, or license preferred > 4 years of mortgage, finance, real estate, legal or general business experience Skills/Knowledge: > Solid problem solving, organizational and analytical skills; ability to extract and interpret information from multiple sources > Strong communication skills, both written and verbal; comfortable communicating with customers, co-workers, management, and other third parties > Thorough knowledge of underwriting, all mortgage products, and current lending regulations > Proficient in Microsoft Office Suite: Word, Excel, Outlook as well as banking-related software Physical Demands: > Must be able to sit for prolonged periods of time and walk/stand for brief periods of time. > Must be able to repetitively use a telephone and computer mouse and keyboard. > Ability to lift/move up to 15 lbs. What we will bring to the table: We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring: > Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays > Medical, Dental, and Vision Insurance and Flexible Spending Plan > Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership > Education and Tuition Reimbursement > Employee Assistance Program for our employees and their immediate family members We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans. We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation's leading publications and bank-rating firms. The salary range for this position is $24.00-$29.00 per hour commensurate with experience and education. Additional compensation may be earned through the Company's annual bonus program, subject to individual and company performance. L1-st1 This position requires a regular, scheduled presence at our Glens Falls, New York headquarters. The schedule is hybrid optional, but candidates must be able to easily commute to Glens Falls, New York for required office days. This role is not a fully remote opportunity.