Underwriter jobs in Albuquerque, NM - 10 jobs

) - Monday to Friday: 8:30 AM to 5:30 PM Please note that this schedule is subject to change as needed. As a valued full-time team member, you'll enjoy fantastic benefits that promote your health and well-being: Comprehensive Medical, Dental, and Vision Insurance Paid Short-Term Disability, Life Insurance, and AD&D Holiday Pay, Vacation, Birthday, Floating Holiday & Sick Leave Tuition Reimbursement for Professional Development 401(k) Plan with Employer Match Pension Plan for Long-term Security Exciting Opportunities for Career Advancement Overall Job Purpose At Sandia Area, every position plays a vital role in fulfilling our mission to deliver high-value banking and lending services that strengthen the financial well-being of our members and community. Each team member is expected to embody our core values of Service, Sustainability, Efficiency, Trust, Stewardship, and Growth, contributing to our vision of empowering lifelong achievement through better banking. While specific responsibilities vary by role, every position carries universal expectations aligned with its level of responsibility and authority across the organization. As a(n) Commercial Loan Analyst at Sandia Area, you are responsible for delivering excellent service while maintaining personal accountability in your actions and behaviors. By prioritizing member satisfaction and operational efficiency, you directly contribute to the organization's mission of strengthening financial well-being for our members and community. You are entrusted to uphold our values in every interaction, ensuring trust, accuracy, and a focus on service excellence. Reporting directly to the Vice President Commercial Lending, the Commercial Loan Analyst is responsible for providing competent credit analysis for activities such as loan origination, preparing annual term loan reviews, underwriting new loan requests, preparing loan presentations, assisting in the administration of business loans, conducting appraisal reviews, and assisting with special projects or assignments. Duties and responsibilities Department Operational Support Processes small business credit applications; verifies credit references and information and prepares loan presentations for approval by the Loan Executive Committee. Prepares reports for various purposes, including the monthly board packet, for the Loan Executive Committee, etc. Completes a thorough, in-depth analysis of new small business credit requests, credit requests, renewals and annual relationship reviews. May obtain information through direct inspection of the applicant's business and/or collateral, review of interim financial reports, personal interviews, and other means. Prepares spreadsheets, loan approval request forms, term loan reviews and summarizes opinions on new, renewing and existing loans. Orders, reviews and documents any concerns with reports required in the loan process including, but not limited to, title commitments, appraisals, environmental reports, purchase agreements and legal opinion letters. Reports findings and concerns to the VP Commercial Lending or above. Monitors loan repayment activities and provides information about delinquent loans to the appropriate loan officer. Reviews and assures all credit and loan files are accurately maintained and up-to-date. Handles member complaints and takes appropriate action to resolve them. Compliance & Policy Adherence Assists the VP Commercial Lending Services with providing regulators and auditors with requested information needed to assess compliance with loan audits, reviews and policy and procedures. Performs property inspection and risk rating analysis as part of the annual term loan review process. Recommends risk rating changes when analysis merits. Reviews loan agreements to ensure they are complete and accurate according to policy. Stays abreast of new types of loans and other financial services and products to better meet member needs. Expectations of all Sandia Area employees Demonstrate a strong commitment to upholding the organization's mission, vision, and values in all interactions and responsibilities. Represent the credit union with professionalism, integrity, and ethical conduct at all times. Maintain a thorough understanding and strict adherence to credit union regulations, compliance requirements, policies, procedures, and operational guidelines. Consistently meet deadlines as assigned while ensuring accuracy, efficiency, and adherence to quality standards. Foster a positive and supportive environment for both members and employees, ensuring interactions align with the credit union's mission and service philosophy. Adhere to all regulatory and compliance policies, upholding the highest standards of security, confidentiality, and ethical financial practices in all interactions. Maintain the confidentiality and security of information, records, and sensitive data, in compliance with credit union policies and regulatory requirements. Adapt to evolving responsibilities, taking on additional duties as assigned to support the success of the organization. Demonstrate a commitment to continuous learning, professional development, and staying informed on industry trends and best practices. Willing to undergo background and credit checks as required by federal and state regulations. Understand and comply with all policies, procedures, and legal guidelines, including adherence to the Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), and other applicable financial regulations. Qualifications Knowledge, Skills, and Abilities (KSAs) Expertise in math, finance, and computer applications with a requisite understanding of financial institution operations. Highly developed analytical and underwriting expertise, credit quality focus. Excellent oral and written communication. Well-developed interpersonal skills, to include strong active listening and selling skills. Mature business judgment and decision-making. Ability to use critical thinking skills to evaluate information. Must possess strong sales energy. Exceptional time management and organizational skills, with the ability to prioritize tasks, manage multiple responsibilities, and adapt to a fast-paced environment. Proactive in seeking professional growth, embracing both formal and informal development opportunities, and demonstrating adaptability to new responsibilities. Team-oriented with a strong collaborative mindset, actively supporting team members and contributing to a positive and high-performing environment. Proficient in Microsoft Office, including Outlook, Word, Excel, and PowerPoint. Ability to perform essential functions, including the ability to lift up to 10 lbs. as needed. Minimum Education and Experience Requirements Bachelor's degree in related field. Directly related experience, in addition to minimum years required, may be considered as a substitution. Two (2)year(s) of applicable experience required. Minimum 2 years experience in loan production. Extensive experience evaluating various financial documents for lending purposes. Must have strong relationship management experience and skills for key commercial and small business accounts. *** Please submit an employment application to ********************** *** Sandia Area Federal Credit Union (SAFCU) is an Equal Opportunity Employer. SAFCU 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.

Characteristics and Competencies Customer Focused Detailed Oriented Technical Knowledge and Skills Planning and Organizing Communication Skills (verbal and written) Analytical and Decision-making skills Interpersonal Skills Math skills Job Summary Review individual applications for insurance to evaluate the degree of risk involved, determine acceptance of applications, coverage amounts and premium for personal or commercial lines business. Responsible for retention of new and existing business in accordance with company underwriting philosophy and individual level of authority. This individual also maintains positive and professional relationships with broker partners, third party administrators or financial institutions. This job description does not represent an inclusive list of all duties encompassed in this position. Job Responsibilities Examines insurance applications, conduct research, collects background information, and make risk assessments. Negotiates with the customer regarding premium, coverage limits, coverages, and the terms and conditions of the proposed insurance policy. Underwrites various types of insurance policies for individuals, businesses, or equity pool members. Calculates premiums and establish payment method. Appropriately prices all new and renewal applications. Makes final determination, within company guidelines, on risk acceptability for new and renewal applications. Interacts with policyholders to deliver and explain policy. Ensures policy requirements are met, including any necessary completion of appropriate forms. Evaluates property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk. Creates endorsements and coverage documents for clients. Performs administrative tasks, such as answering phones, maintaining records and handling policy renewals. Renders decisions based on consultations with Senior Underwriters, managers, and upper management. Participates in cross-functional team training. Performs other duties as assigned. Supervision of Others N/A High School Diploma or GED required. Bachelor's degree in business administration, related field, or equivalent experience. A minimum of 5-7 years of underwriting experience. Insurance Professional Designations (CIC, AU and/or AINS) preferred. Valid driver's license. No felony, theft, or fraud convictions. Must be able to successfully pass a background investigation. Additional Eligibility Requirements New employees must complete the Associate in Insurance (AINS) designation within six months from the end of the 90-day evaluation period to be eligible for advancement and incentive compensation. For continued employment, employees must complete an elective course and six hours of professional development within 12 months after the end of the 90-day evaluation period. Knowledge/Skills/Abilities Strong written and oral communication skills. Strong ability to multi-task assisting in multiple duties or projects. Advanced presentation skills. Advanced knowledge of underwriting practices and underwriting techniques. Knowledge of department organization, functions, objectives, policies, and procedures. Knowledge of commercial/residential construction codes and techniques. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization. Ability to work independently and meet timelines. Ability to collect and analyze data and prepare and present accurate reports and recommendations. Knowledge of principles and processes for providing customer services. Skill in providing excellent customer service. Ability to work as a team member in a structured working environment and encourage team collaboration. Ability to work with timeliness and thoroughness. Skill in operating business computers and office machines, in a Windows environment, specifically Word, Excel and presentation software (such as PowerPoint). Working Conditions & Physical Demands Travel required 25% of time; COVID-19 vaccination preferred. Typical business office setting with moderate noise level and outdoor settings with a high noise level. Non-office environment may be encountered for offsite presentations and support of company activities. Exposure to natural weather conditions and temperatures, various dusts, smoke and mists, and normal debris and hazards may occur while performing outdoor duties. Must be able to sit for work at a computer for more than 6 hours per day. Must be able to stand and walk for more than 4 hours per day when on client site. Must be able to use hands for dexterity of motion and reach with hands and arms. Extensive use of computer keyboards. Frequently required to talk and hear. Must have ability to occasionally lift 10+ lbs. Physical Exam Not required for this position.

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

**Come join our amazing team and work near one of our offices.** The Quantitative Mortgage Analyst will be responsible for helping to reshape and elevate the company's residential mortgage lending data analysis including marketing and customer engagement to pricing analytics, P&L, and market-trend insights, while modernizing the company's analytics toolkit. Leverage and bridge the company's investor-grade analytics platform with our lending affiliate: adapting Carrington Capital Management's proprietary models and tools for lending use cases, integrating lending performance back into the company's ecosystem, and driving actionable insights for capital-markets and investor initiatives. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, where in the company operates. The target pay for this position is $80,000 - $150,000 + Annual Bonus. Pay is based on job-related knowledge, skills, experience, and other relevant factors. **What you'll do:** + **End-to-end data ownership:** Clean, reorganize, and harmonize loan-origination, servicing, marketing, and customer datasets to extract actionable signals and performance metrics. + **Tool & model adaptation:** Write wrappers and interfaces to deploy CCM's existing pricing, prepayment, and credit-risk models within the lending platform. + **Analytics integration:** Feed lending performance and P&L results back into CCM's analytics ecosystem to close the loop and inform investor reporting. + **Reporting & dashboards:** Develop and maintain self-service dashboards and reports to track key lending metrics - recapture rates, marketing ROI, pricing variance, P&L attribution, and market trends. + **Performance reporting:** Prepare, present, and explain performance reports to senior lending management; gather and analyze feedback from loan officers to refine analytics and strategies. + **Strategic partnerships:** Collaborate with pricing, portfolio, investor-relations, and capital-markets teams to translate analytics into lending strategies and execute investor-driven initiatives. + **Ecosystem modernization:** Automate data pipelines, standardize definitions across CCM and lending systems, and deploy scalable analytics tools. + **Cross-functional liaison:** Work with IT, CRM, operations, and third-party vendors to ensure data quality and timely delivery of insights. + **Ad-hoc analysis:** Respond rapidly to one-off requests from senior management, investors, and affiliated divisions. + Perform other duties and projects as assigned. **What you'll need:** + Bachelor's or advanced degree in a quantitative field (e.g., Mathematics, Statistics, Computer Science, Engineering, Finance). + A minimum of one year of hands-on experience in mortgage-lending analytics, capital-markets analytics, or a related role; exceptional analysts with strong programming skills will also be considered. + Strong Python and SQL skills for data extraction, transformation, and analysis; familiarity with machine-learning techniques is highly desirable. + Proven ability to adapt and deploy proprietary quantitative models-experience writing wrappers or APIs to integrate analytics pipelines. + Demonstrated aptitude for working with and organizing unstructured or messy marketing/customer data: data-cleaning, ETL, and signal-extraction expertise required. + Experience building self-service dashboards or reporting tools (e.g., Tableau or similar). + Solid working knowledge of loan-origination and servicing workflows, including mechanisms for recapturing existing customers. + Excellent communication skills: able to translate complex analytics into clear, actionable insights for non-technical stakeholders. + Highly organized, self-motivated, and adept at juggling multiple high-priority projects in a fast-paced environment + Excellent skills in mathematics and statistics. + Hands-on experience using Python and various statistical packages to process and analyze large data sets. + Ability to apply popular machine learning techniques with reasonable understanding of their underlying algorithms. + Strong SQL and Python skills for data extraction and analysis. + Experience with Linux environments is preferred. + Highly motivated, team-oriented, a quick learner with good communication skills. + Strong organizational skills and time management skills to perform multiple tasks within limited time frames. + **Prefer to work near an office in either Greenwich, CT; Plano, TX; Orange, CA; Westfield, IN; or Franklin, TN!** **Our Company:** Carrington Capital Management, LLC (CCM) is an alternative asset management firm focused on control-based investing in the U.S. real estate, mortgage and fixed income markets. Through the mortgage loan servicing and property management operating affiliates, CCM is uniquely positioned to offer investment products that benefit from the operational resources and knowledge capital that flow across the Carrington platform. We provide investment strategies where our portfolio management team maintains an identifiable competitive advantage created by the firms' resources, market expertise and local property market penetration. We hope you'll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: carringtoncap.com . **What We Offer:** + Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed. + Access to several fitness, restaurant, retail (and more!) discounts through our employee portal. + Customized training programs to help you advance your career. + Employee referral bonuses so you'll get paid to help Carrington and Vylla grow. + Educational Reimbursement. + Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs it supports through specific fundraising efforts, please visit: carringtoncf.org. **\# LI-GV1** 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.

At EMC, we're all about working together to make an impact. As part of our team, you'll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts-always supporting each other to do our best work. Join us, and let's improve lives together. **Ideal candidate will be located in Arizona or New Mexico.** Essential Functions: Selects, grows and maintains a profitable book of business for assigned high-volume territory with a high level of underwriting authority Evaluates and analyzes highly complex accounts for risk selection and pricing purposes Develops and fosters agency relationships Collaborates with marketing representatives to ensure agents receive superior customer experiences Offers appropriate coverage for exposures and explains decisions to agents Coordinates with marketing and branch management in the agency planning and review processes Serves as a mentor for less experienced underwriters Education & Experience: Bachelor's degree, preferably in insurance or business administration Five years of experience in commercial lines underwriting Insurance designations, such as CPCU preferred Knowledge, Skills & Abilities: Excellent knowledge of underwriting and risk analysis Exceptional problem-solving skills and the ability to make sound decisions Strong customer service skills Strong computer skills, including knowledge of Microsoft Office and social media Ability to work on multiple projects while meeting deadlines Excellent written and verbal communication skills, including the ability to speak effectively before groups Strong presentation skills preferred Ability to work effectively with others, as well as independently Demonstrated leadership qualities Occasional travel; a valid driver's license with an acceptable motor vehicle report per company standards required if traveling The hiring salary range for this position will vary based on geographic location, falling within either of the following: $85,799 - $118,545 or $94,826 - $118,545 A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs. For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit *********************** Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws. All of our locations are tobacco free including in company vehicles.

When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide: + Award-winning culture + Inclusion and diversity as a priority + Performance Based Incentive Plans + Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability + Generous PTO (including paid time to volunteer!) + Up to 9.5% 401(k) employer contribution + Mental health support + Career advancement opportunities + Student loan repayment options + Tuition reimbursement + Flexible work environments **_*All the benefits listed above are subject to the terms of their individual Plans_** **.** And that's just the beginning... With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today! **General Summary:** The Senior Underwriter will demonstrate strong risk evaluation, selection and retention of profitable business within assigned authority limits. This also requires a strong ability to partner with Company sales teams, brokers and all internal partners. **Principal Duties and Responsibilities** + Consult with sales and service partners to provide the products and plan options that best meet the needs of our customers. + Evaluate and select risk to ensure the profitable acquisition of new cases and the continued profitable retention of in force cases. + Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met. Identify and analyze risk trends, making recommendations for addressing these + Maintain a fully developed knowledge of the Company's products, the sales, implementation, and enrollment processes, and market place influences + Deliver dependable, accurate, and timely service while maintaining relationships with internal and external partners + Assist with training, technical development and mentoring more junior underwriters **Job Specifications** + Bachelors degree or equivalent, relevant business experience + Demonstrated, consistent proficiency at Underwriter level + Fully developed knowledge of product provisions, plan designs, pricing and contractual benefits + Strong technical expertise in risk selection + Demonstrated understanding of top-line and bottom-line objectives + Exhibit strong knowledge of sales/distribution process and market trends + Solid mentoring and coaching skills + Strong creative problem solving skills + Strong critical thinking/analytical reasoning skills + Strong communication skills, both verbal and written + Strong organizational skills and ability to handle multiple priorities + Strong ability to be persuasive and to negotiate + Demonstrated ability to work both independently and in a team environment + Exhibit a strong commitment to quality and personal ownership of results \#LI-JQ1 ~IN1 Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide. Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status. The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience. $53,300.00-$100,700.00 Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans. Company: Unum

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

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.

Characteristics and Competencies Customer Focused Detailed Oriented Technical Knowledge and Skills Planning and Organizing Communication Skills (verbal and written) Analytical and Decision-making skills Negotiation and Interpersonal Skills Math Skills Job Summary The Senior Underwriter is responsible for risk evaluation, selection, pricing, and retention of new and existing business in accordance with company underwriting philosophy and individual level of authority. This individual also develops and maintains positive and professional relationships with broker partners, third party administrators or financial institutions. Requires demonstration of a high level of proficiency and knowledge in commercial, personal, worker's compensation and auto lines of business. This job description does not represent an inclusive list of all duties encompassed in this position. Job Responsibilities Analyze, evaluate, select, qualify and price prospective commercial and personal lines of business. Makes final determination on risk acceptability. Remains actively involved in account development and continuing service. Maintains relationships with brokers, third party administrators and policyholders. Attends meetings, seminars, and programs as necessary. Participates in management of the book of business. Provides trainings to clients on company products, processes and procedures as needed. Evaluates possibility of losses due to catastrophe or excessive insurance. Interviews prospective clients to obtain data about their financial resources and needs, the physical condition of the property to be insured, and to discuss any existing coverage. Examines insurance applications, conducts extra research, collects background information, and makes risk assessments. Negotiates with the customer regarding premium, coverage limits, coverages, and the terms and conditions of the proposed insurance policy. Underwrites various types of insurance policies for individuals, businesses, or equity pool members. Calculates premiums and establish payment method. Appropriately prices all new and renewal applications. Makes final determination, within company guidelines, on risk acceptability for new and renewal applications. Evaluates property, examining its general condition, type of construction, age, and other characteristics. Examines documents to determine degree of risk from such factors as applicant financial standing and value and condition of property. Performs administrative tasks, such as answering phones, maintaining records and handling policy renewals. Keeps abreast of new technologies and principles by conducting research, attending seminars, educational workshops, classes, and conferences; reviewing professional publications; establishing networks; participating in professional societies; conferring with representatives of contracting agencies and related organizations. Participates in cross-functional team training. Performs other duties as assigned. Supervision of Others N/A Minimum Qualifications High School Diploma or GED required. Bachelor's degree in business administration, related field, or equivalent experience. A minimum of 5 years of underwriting experience in multiple lines (Property and casualty, Workers Compensation, etc.). Insurance Professional Designations (CIC, AU or AINS) preferred. Valid driver's license. No felony, theft, or fraud convictions. Must be able to successfully pass a background investigation. Additional Eligibility Requirements New employees must complete the Associate in Insurance (AINS) designation within six months from the end of the 90-day evaluation period to be eligible for advancement and incentive compensation. For continued employment, employees must complete an elective course and six hours of professional development within 12 months after the end of the 90-day evaluation period. Knowledge/Skills/Abilities Strong written and oral communication skills. Advanced presentation skills. Advanced knowledge of property, auto, liability and workers compensation underwriting practices and underwriting techniques. Knowledge of property, auto, and liability insurance laws, policies, and regulations. Knowledge of applicable federal, state, tribal, and local laws, regulations, and requirements. Knowledge of commercial/residential construction codes and techniques. Knowledge or experience in public sector or pool underwriting preferred. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization. Ability to work independently and meet timelines. Ability to create and edit written materials. Ability to collect and analyze data and prepare and present accurate reports and recommendations. Skill in providing excellent customer service. Ability to work as a team member in a structured working environment. Skill in operating business computers and office machines, including in a Windows environment, specifically Word, Excel, and presentation software (such as PowerPoint). Working Conditions & Physical Demands Travel required 25% of time; COVID-19 vaccination required. Typical business office setting with moderate noise level and outdoor settings with a high noise level. Non-office environment may be encountered for offsite presentations and support of company activities. Exposure to natural weather conditions and temperatures, various dusts, smoke and mists, and normal debris and hazards may occur while performing outdoor duties. Must be able to sit for work at a computer for more than 6 hours per day. Must be able to stand and walk for more than 4 hours per day when on client site. Must be able to use hands for dexterity of motion and reach with hands and arms. Extensive use of computer keyboards. Frequently required to talk and hear. Must have ability to occasionally lift 10+ lbs. Physical Exam Not required for this position.