Underwriter jobs in Arizona - 223 jobs

Merchants Mortgage & Trust Merchants Mortgage & Trust Corporation (“Merchants”) is a private real estate lender headquartered in Denver, Colorado. Merchants specializes in short-term residential bridge loans for investors, multi-family loans, commercial loans, construction loans, and rental property loans. Merchants was acquired by KKR, a leading global investment firm, in 2022 and is on pace to originate nearly $1 billion in 2025. Position Summary Mortgage Underwriter Location: Phoenix, Arizona Full Time Roles and Responsibilities Underwrite loans in accordance with Merchants' guidelines. Responsibilities will include: Review and reconcile loan applications to ensure the loan meets program requirements. Analysis of loan application, credit profile/report(s), background reports, financial statements, leverage ratios, appraisal reports, renovation budgets, entity documents, purchase agreements, borrower experience, collateral, and supporting documentation. Manage an ongoing pipeline of loans through the Merchant's loan origination process. Report on the status of loans within the pipeline on a regular basis. Communicate effectively with Loan Originators, Underwriters, and the Credit Committee. Present loans to the Credit Committee for exceptions, escalations, and approval. Condition files for missing/supporting documentation according to Merchants' guidelines. Perform a preliminary review of all underwriting documents, including third-party reports. Collect, analyze, and approve all required due diligence. Perform property and market assessments to evaluate property conditions and market/submarket dynamics. Communicate and document the reasons for approving or rejecting loans so that clients and loan officers are well-informed about the decisions made. Mentor and train junior staff. Qualifications/Job Requirements Bachelor's degree required. Minimum 5 years of mortgage underwriting experience. Strong preference for experience with underwriting commercial and business purpose loans Experience with institutional lending and secondary market loan trading preferred. Effective pipeline management skills Proven track record of taking ownership and successfully delivering results in a fast-paced, dynamic environment. Exceptional interpersonal, written, and verbal communication skills Proficient in Microsoft Office, especially in Excel and Word Other Must be authorized to work in the US. Must be available to work in the office as required by management

Key Responsibilities Review and underwrite consumer loan and credit card applications using credit reports, income documentation, and other relevant financial data Assess borrower creditworthiness, ability to repay, and overall risk exposure Make approval, counteroffer, or decline decisions within assigned authority levels Ensure underwriting decisions comply with internal credit policy, regulatory requirements, and fair lending standards Analyze credit bureau data, income verification, debt-to-income ratios, and other risk indicators Document underwriting decisions clearly and accurately in underwriting systems Communicate with internal partners to resolve application issues or obtain additional documentation Identify potential fraud or misrepresentation and escalate concerns as needed Meet productivity, quality, and turnaround time expectations Participate in audits, quality reviews, and ongoing training to stay current on policy changes and regulations Required Qualifications 2+ years of experience underwriting consumer credit products (personal loans, credit cards, or unsecured consumer lending) Strong knowledge of consumer credit principles, credit scoring, and risk assessment Experience reviewing credit reports (e.g., FICO), income, and debt calculations Familiarity with consumer lending regulations (e.g., Fair Lending, ECOA, FCRA, UDAAP) Strong analytical and decision-making skills High attention to detail with the ability to manage multiple applications simultaneously Proficiency with underwriting systems and standard office software Preferred Qualifications Experience underwriting across multiple consumer products Prior experience in a high-volume or fast-paced underwriting environment Bachelor's degree in Finance, Business, or a related field Experience working in a regulated financial institution or large bank

Job Title: Underwriter III - Non Delegated Non-Agency Jumbo/High-Net Worth What you'll do: As a Mortgage Underwriter III you'll be responsible for underwriting Jumbo and High-Net Worth loans by reviewing the credit, capacity and collateral characteristics of loan files to ensure it meets company and investor quality standards. You'll be responsible for reviewing and clearing underwriting conditions on Jumbo and High-Net Worth loans in compliance with current guidelines and overlays. Manage individual pipeline on a daily basis by completing Jumbo and High-Net Worth loans, Non-Agency and complex Underwriting Reviews, Conditions Reviews and other Underwriting Tasks within established turn times. Identify any document deficiencies, request additional information and/or documentation from Clients as needed. Analyze complex income sources, including self-employed income, K-1s, and tax returns. Evaluate credit reports, asset statements, and complex appraisals. Ensure compliance with investor, federal, and internal guidelines. Maintain awareness of regulatory changes and investor overlays. Navigate and interpret all Agency, Non-Agency and company guidelines. Assist other department personnel in interpreting underwriting guidelines, update loan status and complete all necessary tasks assigned to loan. Contact clients to provide updates and clarification on outstanding conditions and deficiencies identified on loans. Experience associated with client-initiated scenario questions and ability to provide live assistance with loan structure and solution-based guidance. What you'll need: Encompass LOS experience preferred Must have experience in mortgage underwriting, especially with Non-QM and Jumbo loans. Ability to communicate effectively and professionally Basic proficiency in Microsoft Office products (Excel, Word, etc.) Loan quality and risk management experience Excellent Customer/Client service skills Ability to work in a fast-paced production environment Self-starter, self-reliant, dependable, ability to work within and meet specific time constraints Excellent written and verbal communication skills Prioritization and Time Management skills Ability to learn and adapt to guideline changes Knowledge of FNMA and FHLMC guidelines Proficiency with automated underwriting systems such as Desktop Underwriter and Loan Product Advisor Compensation: Hourly range for new hires is generally $57.00 for Northern California. Salary amount is determined by specific job location. Benefits you'll love: We offer all the important things you'd want - like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career! About the company: AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC. Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email ************************** or call ************. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process. © Western Alliance Bancorporation

Company Details As an elite Excess and Surplus Lines market, Nautilus Insurance Group offers commercial property and casualty insurance solutions to appointed wholesale surplus lines producers countrywide. We have specialized in providing these solutions for more than 35 years. We have more flexible policy terms and premium rates on a non-admitted basis. Our focus is small to medium Property and Casualty risks on both an admitted and a non-admitted basis. Our offerings are distributed through partnerships with appointed wholesale surplus lines producers. Our relationships are defined by mutual success, speed to market, customer-centric focus and an expanded appetite. Coverage placed by Nautilus Insurance Group is provided by Nautilus Insurance Company and Great Divide Insurance Company, both W. R. Berkley Corporation members with A.M. Best (Superior) A+ XV ratings. Benefit Highlights: Paid Parental Leave! At Nautilus, we offer Childbirth Recovery Leave as well as Primary Caregiver Leave, for up to a maximum of 12 weeks of paid leave. Nautilus offers Medical, Dental, and Vision coverage options, along with Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) choices We help our employees feel secure by providing a 401(k) program, profit sharing, stock purchase plan, life insurance, and travel accident insurance options. One of our core values is “Committed to Serve” and these aren't idle words. We provide every employee one paid day off per year to volunteer at a local charity. That's serving with a smile! We take risk management excellence and your professional growth seriously by offering Tuition Assistance and Industry-Related Education and Exam programs. Can you hear us now? Employees are eligible for special cell phone service discounts with Verizon and AT&T. We've got a plum position for you! We participate in the Plum Benefits program offering employees cost-free access to thousands of exclusive travel and entertainment discounts. Flexible work arrangements On site newly renovated fitness center - free to use for employees. Yoga and other classes available for a nominal fee. Responsibilities Nautilus Insurance is seeking an Underwriter III for our Southeast Region. The Underwriter III provides support to the underwriting process, making appropriate decisions within own underwriting assigned authority levels. Reviews insurance applications and processes accounts. Projects a professional company image through internal and external customer interaction. This role can be located in our Scottsdale office on a hybrid schedule or remotely in the Southeast US. Assesses new and renewal accounts to determine acceptability based upon NIC underwriting guidelines and authority granted. Reviews new and renewal accounts to verify issuance is in compliance with NIC underwriting guidelines, addresses discrepancies as needed, and enters information into appropriate systems. Establishes types and limits of coverage to be provided. Creates, analyzes and interprets data from various systems and underwriting resources. Responsible for monitoring production, profitability, and maintaining agency relationships. Collaborates with underwriting team as well as other departments on underwriting philosophy. Effectively communicates (written/verbal) information to both internal and external customers to ensure our standards of excellence are maintained. Consults with agency staff to obtain additional information on existing accounts. Promotes consistency amongst underwriting teams by contributing knowledge and soliciting feedback relative to underwriting philosophy and company goals. Maintains confidentiality with discretion and integrity with both internal and external information. Maintains familiarity with state laws and filing requirements within assigned territory to properly transact business within a state. Consults with underwriting team to determine if reinsurance is needed, and negotiates terms with designated reinsurer companies. Identifies and recommends changes to policy verbiage when standard text is not appropriate. Seeks manager approval before implementing. Monitors the amount of insurance in force on a single risk or group of closely related risks. Evaluates possibility of catastrophe losses and takes necessary action, as needed. Occasionally requested to assist with the development of special programs, underwriting procedures, and educational seminars. Composes reports and business correspondence such as travel summaries, agendas, and meeting minutes. Coordinates internal and/or external visits including but not limited to scheduling meetings, confirming staff availability, and arranging meals/entertainment. Provides guidance and support to less experienced team members within the department. Travel to agent offices and/or other external events is required. Performs other duties as assigned. LI#-RS1 LI#-Remote LI#-Hybrid Qualifications Strong relationships with brokers in the Southeast United States. Bachelor's degree; or at least two years of experience in a business or related field; or an equivalent combination of training and experience that provides the required knowledge, skills, and abilities. AIS, ASLI, AU, and CPCU designations or completion of other insurance related classes is preferred. A minimum of five (5) years of experience as an insurance underwriter in commercial property and casualty. Basic knowledge of computer programs in a Windows environment, including Word, Excel and email. Capability to learn and utilize various underwriting applications to determine accurate classifications and calculate rates and premium charges using approved rating methods. Excess and Surplus lines background is beneficial. Ability to compute rates, ratios, and percentages. Additional Company Details The Company is an equal employment opportunity employer. We do not accept any unsolicited resumes from external recruiting agencies or firms. The company offers a competitive compensation plan and robust benefits package for full time regular employees. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. Not ready to apply? Connect with us for general consideration.

Are you an agent who has yet to master virtual sales? Or perhaps a great sales professional who has never been given the opportunity to earn what you are worth? If you answer yes to either question, then continue reading. Deeply committed to a culture of innovation and agent support, The Wells Agency offers agents a turnkey insurance sales method. Why Work with The Wells Agency? Review our 15-minute overview below. https://vimeo.com/917***********145acb?share=copy If you find alignment please book into my calendar and we will be able to answer questions and get you moving forward. ******************************************* · You will be trained to work with ready-to-purchase clients and have access to multiple A+ rated carriers. · We specialize in UL's, Term, Whole Life, Annuities with a heavy emphasis on using IUL's for the tax free retirement planning process. · We offer generous compensation up to 140% plus bonuses. · Consultative approach. No pressure sales required. · Agents will be trained in both tele sales and virtual presentations using Zoom. · We work in the middle class and senior markets where families are UNDER insured. · In-house and COMPLIANT marketing is offered. Responsibilities: · The ideal candidate will be willing to work a minimum of 20+ hours a week. · Be willing to learn our company's selling system including phone script, virtual presentation & product placement. · Team supported environment, communication and engagement is required with LMS (Learning Management System). · Must be able to review underwriting guidelines and make product selection based on clients age, health, and desired insurance coverage. Qualifications: · Licensed Life Insurance or Health Agents or TOP sales rep or willing to become Licensed. · Coachable, Patient, Ambitious and a Team Player mentality! · Must have basic computer skills. · Must have a smartphone and a laptop. The Wells Agency's Core Values are integrity, intelligence and innovation. Although all our licensed agents are independent contractors, we take great pride in training our sales team to become experts in their field of work.

Join the company defining what it means to be an Impact Lender! Mortgages are what we do, but that doesn't define who we are. In 2008, Movement disrupted the industry with the innovative 6-7-1 mortgage process. In 2023, we pioneered again, helping launch Impact Lending - a new category of lending. Any mortgage lender that commits at least 10% of its profits to helping the neighborhoods it serves is an Impact Lender. At Movement, we are Impact Lenders. We give 40%-50% of our profits to making an impact in our communities. For us, purpose and people have always come before profit. We're growing and looking for a Senior Mortgage Underwriter III. Position Overview We don't need to tell you what an Underwriter is, but we do want to tell you why underwriting at Movement is better. We have redefined the mortgage industry, and one of the ways that makes us unique is that our process begins with the Underwriter. We have removed obstacles like appraisal and title so you can just focus on making the best decision for our customers and bring families home faster. A Movement Underwriter acts as our gatekeeper with upfront underwriting. We truly value your knowledge, so we empower you to make critical judgments. All of this in a stable, high-growth environment filled with opportunity and strong values. Here's what you can expect: Leads the way with an upfront review and makes the initial credit decision based on company checklists and guidelines Reviews everything and issues the final approval after all items are gathered by the Loan Processor and keeps the Loan Origination System up to date Methodical and analytical personality with the ability to underwrite agency loans using our unique, upfront method Expertise in reviewing self-employed loan applicants for income analysis for all agency loan types. Delivers great customer service throughout the loan process Works with the post-closing team on any stipulations for closed files to push them over the finish line We're fast-paced, expect a lot but give so much too, and your leadership is with you every step of the way. We know great underwriters have plenty of options but being a part of the Movement Mortgage team is unparalleled. Skills & Experience Associates Degree in Business Management or related field Front end, retail purchase mortgage experience required 3+ years of front-end underwriting experience required Direct Endorsement (DE) and/or Staff Appraisal Reviewer (SAR) certifications strongly preferred USDA and/or Bond loan experience preferred The expected salary range for this position is between: $86,000.00 - $116,800.00 The range for the position in other geographies may vary based on market differences. The actual compensation will be determined based on experience and other factors permitted by law. We also offer a benefits package that includes: Competitive pay Benefits Offered: Medical, Dental, Vision, Life, Disability, Critical Care, Hospitalization, HSA, FSA, DCFSA and QTE Retirement plan: 401(k) and Roth Paid Time Off: 16 days front loaded. Prorated based on the start date month 11.5 paid holidays per year Employee assistance program Excellent career growth opportunity Fun, team-focused working environment Employee driven community outreach program Relocation packages available The application window is anticipated to close on: February 1, 2026 We're definitely not your average mortgage company. When you're ready to grow your career AND your impact, we're ready for you. We're also one of the nation's top lenders and are redefining corporate culture. We work hard, we have fun, we invest in our people and we make a difference. Sound like a plan? Good. Learn more at *****************

The Excess Casualty Underwriter will be responsible for reviewing and analyzing underwriting data in order to determine if risks meet corporate underwriting standards calculate appropriate premium and determine proper terms for acceptable risks and respond to brokers when risks do not meet underwriting guidelines. Underwriters are also responsible for developing and maintaining profitable business relationships with brokers. Duties and Responsibilities Continuously exhibit and uphold Core Values of Integrity, Accountability, Communication and Teamwork, Innovation and Customer Service Analyze new business opportunities and develop renewal strategies Attain quote, premium and division goals as assigned Develop and maintain strong relationships with brokers Use critical thinking and problem solving skills to negotiate with brokers on placements Travel to meet with brokers within assigned territory at least three times per year Other duties as assigned Knowledge, Skills and Abilities Ability to effectively and properly select, evaluate, model, determine coverage, rate, document, quote and bind accounts Ability to effectively assess risk Excellent verbal and written communication skills Ability to work independently or in a team environment to complete assignments within the parameters of instructions given, prescribed processes and standard accepted underwriting practices Solid knowledge of underwriting philosophy and techniques Proven problem solving and decision making skills Strong negotiation skills Ability to multi-task High level of initiative and motivation Strong work ethic with a drive to succeed Solid customer service and relationship building skills Proficiency in MS Office (Word, Excel, Outlook) and Internet researching Experience and Education Associate Underwriter Bachelors Degree or a minimum of 3 years of relevant work experience Industry associated classes or courses preferred Underwriter Bachelors Degree or equivalent work experience Minimum of 2 years of related underwriting experience preferably in Excess and Surplus lines Preferably pursuing courses toward professional designations or continuing education. #LI-JB1 #LI-Remote

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we've helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We're backed by some of the most prominent technology investors and were most recently valued at $7.3B. We're consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World's Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America's Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal. We're looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people. About the Role: Our Verifications team is hiring for Entry Level Underwriters. We are looking for detailed oriented individuals to assist our customers with the loan application process. Our Entry Level Underwriters are responsible for the accurate review, processing and decisioning of applicant loans. In this position, you would spend your day reviewing financial and identifying documents, assisting applicants over the phone, gather additional documents and following up with applicants to verify financial information to decision the loan application. This is a dynamic role partnering with our customers to provide a best in class experience. Pay: $24.00 per hour Start Date: February 9th, 2026 What You'll Do: Maintain high quality while processing large numbers of personal consumer loan applications Provide excellent customer service to inbound and outbound calls Answer customer service request via an internal communication system Be an expert on our product and processes Adapt to changing policy and procedures on a constant basis while maintaining high quality to your work Review financial documents submitted by the borrower Verify and calculate customer income Detect suspicious and fraudulent loan applications Meet and/or exceed production, quality, and customer service goals What We Look For: 1+ years of experience in banking, financial services and/or related industry Previous contact center experience College degree preferred Ability to calculate financial information accurately Strong problem solving and analytical skills High level of integrity Team oriented mindset Ability to thrive in a changing and fast-paced environment Excellent verbal and written communication skills Detail oriented Proficient with Google Workspace: Gmail, Sheets, Docs Nice to Have: Knowledge of Zendesk or other CRM applications is a plus What We Offer You: Great open office space Paid time off (PTO) Competitive 401(k) program Comprehensive benefits package: Medical, dental, vision, life insurance & disability Conveniently located in the heart of Downtown Phoenix close to light rail and public transportation Paid parking or platinum pass New Hire Training Program Wellness Incentive Program Kitchen fully stocked with snacks and beverages #LI-Onsite For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement . English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.

An Underwriter is responsible for analysis, negotiation, and decisioning on loan requests submitted by multiple loan originating sources. The Underwriter is responsible for making prudent credit decisions within established approval guidelines, in compliance with all state and federal laws as well as OneMain policies and procedures. The ideal candidate will have experience or capability to analyze the credit factors affecting loan risk to the company, appraisals, and loan yields. Effective communication and collaboration with OneMain and external resources is necessary to recommend terms and conditions of loan decisions within established approval guidelines, leveraging risk versus reward to ensure credit quality and profitability. In the Role Analyzes credit bureau reports evaluates stability, ability, willingness, and collateral/equity position of customer and makes decisions regarding the credit worthiness of customers within approved limits. Responsible for analyzing highly complex financial and credit information according to internal underwriting standards while complying with Fair and Responsible Lending Practices, identifying, and processing potential fraud. Meets production and goals while maintaining underwriting integrity through working knowledge of sound underwriting principles, policies, procedures, and controls to ensure overall profitability of product line. Utilize key metrics to strategically improve volume results. Responsible for providing strong and clear communication to internal and external partners to ensure quick turnaround time. May review more complex loans requiring exceptions. Works collaboratively with other team members and mentors less experienced underwriters and support staff Requirements HS Diploma or equivalent Previous sales, finance, or administrative experience in an auto dealership setting and/or underwriting experience Display high level of integrity, independent thinking, dealing with ambiguity, learning agility, detail oriented, inclusive and results oriented. Ability to work under pressure and make decisions in a fast-paced environment. Effective communication skills including verbal, written, and presentation. Strong negotiation, analytical, and problem-solving skills. Innovative thinker with strong ability to implement actions to achieve strategic vision. Location: Tempe, AZ Who we Are OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we've looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future. Driven collaborators and innovators, our team thrives on transformative digital thinking, customer-first energy and flexible work arrangements that grow lives, careers and our company. At every level, we're committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There's never been a better time to shine with OneMain. Because team members at their best means OneMain at our best, we provide opportunities and benefits that make their health and careers a priority. That's why we've packed our comprehensive benefits package for full- and some part-timers with: Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances Up to 4% matching 401(k) Employee Stock Purchase Plan (10% share discount) Tuition reimbursement Paid time off (15 days' vacation per year, plus 2 personal days, prorated based on start date) Paid sick leave as determined by state or local ordinance, prorated based on start date Paid holidays (7 days per year, based on start date) OneMain Holdings, Inc. is an Equal Employment Opportunity (EEO) employer. Qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship status, color, creed, culture, disability, ethnicity, gender, gender identity or expression, genetic information or history, marital status, military status, national origin, nationality, pregnancy, race, religion, sex, sexual orientation, socioeconomic status, transgender or on any other basis protected by law.

About the role. The E&S Underwriter is a key member of the Underwriting team that is building out PURE Programs, LLC, a Managing General Underwriter, that is specifically designed for successful individuals and families with unique exposures that require an Excess & Surplus (E&S) solution and is a wholly-owned subsidiary of Privilege Underwriters, Inc., both members of the PURE Group of Insurance Companies. What you'll do. Broker Partnership - Development, maintenance and management of broker partnerships; development of strategies and goals for brokers and tracking of progress; and positioning the program within an agency, including: Delivering exceptional, timely, complete and accurate service to brokers. Developing trusted, respected and lasting relationships with broker partners. Sharing knowledge and best practices with brokers, crafting the best solutions for their clients. Underwriting empathetically at all times. Underwriting Execution - Responsible for new business underwriting execution, including selecting and pricing risks in line with PUI's strategy and underwriting guidelines, operating within authority and documentation guidelines and following up on accounts and closing new business. Franchise Management - Maintain a command of assigned book of business, brokers and the market. Set goals and key priorities to maximize the value of their franchise and track and report on performance to plan. Business Management - Develop and maintain a clear view of market conditions and competitive landscape and our value proposition. Contribute ideas and perspective to the team as we learn, improve and drive toward our objectives. What we're looking for. Prefer 3+ years underwriting experience, with a preference for any of the following: (1) High net worth personal lines underwriting experience; (2) Excess and surplus lines property underwriting experience; and/or (3) underwriting experience in a managing general agency (MGA) operation. Sound, balanced and timely decision making skills. Drive and a desire to learn, grow and drive improvement in the organization. Strong analytical, interpersonal, communication and negotiation skills. Ability to be creative and adaptable in a changing business environment. A Bachelor's Degree is preferred. #LI-Remote Compensation Package: The base salary for this role can range from $70K - $85K, based on a full-time work schedule. An individual's ultimate compensation will vary depending on job-related skills and experience, geographic location, alignment with market data, and equity among other team members with comparable experience. You will also be eligible for annual merit-based increases and discretionary bonuses. Want to Learn More? [Our Values] [Our Benefits] [Our Community Impact] [Our Leadership]

An Underwriter is responsible for analysis, negotiation, and decisioning on loan requests submitted by multiple loan originating sources. The Underwriter is responsible for making prudent credit decisions within established approval guidelines, in compliance with all state and federal laws as well as OneMain policies and procedures. The ideal candidate will have experience or capability to analyze the credit factors affecting loan risk to the company, appraisals, and loan yields. Effective communication and collaboration with OneMain and external resources is necessary to recommend terms and conditions of loan decisions within established approval guidelines, leveraging risk versus reward to ensure credit quality and profitability. In the Role * Analyzes credit bureau reports evaluates stability, ability, willingness, and collateral/equity position of customer and makes decisions regarding the credit worthiness of customers within approved limits. * Responsible for analyzing highly complex financial and credit information according to internal underwriting standards while complying with Fair and Responsible Lending Practices, identifying, and processing potential fraud. * Meets production and goals while maintaining underwriting integrity through working knowledge of sound underwriting principles, policies, procedures, and controls to ensure overall profitability of product line. * Utilize key metrics to strategically improve volume results. * Responsible for providing strong and clear communication to internal and external partners to ensure quick turnaround time. * May review more complex loans requiring exceptions. * Works collaboratively with other team members and mentors less experienced underwriters and support staff Requirements * HS Diploma or equivalent * Display high level of integrity, independent thinking, dealing with ambiguity, learning agility, detail oriented, inclusive and results oriented. * Ability to work under pressure and make decisions in a fast-paced environment. * Effective communication skills including verbal, written, and presentation. * Strong negotiation, analytical, and problem-solving skills. * Innovative thinker with strong ability to implement actions to achieve strategic vision. Location: Tempe, AZ Who we Are OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we've looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future. Driven collaborators and innovators, our team thrives on transformative digital thinking, customer-first energy and flexible work arrangements that grow lives, careers and our company. At every level, we're committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There's never been a better time to shine with OneMain. Because team members at their best means OneMain at our best, we provide opportunities and benefits that make their health and careers a priority. That's why we've packed our comprehensive benefits package for full- and some part-timers with: * Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances * Up to 4% matching 401(k) * Employee Stock Purchase Plan (10% share discount) * Tuition reimbursement * Paid time off (15 days' vacation per year, plus 2 personal days, prorated based on start date) * Paid sick leave as determined by state or local ordinance, prorated based on start date * Paid holidays (7 days per year, based on start date) OneMain Holdings, Inc. is an Equal Employment Opportunity (EEO) employer. Qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship status, color, creed, culture, disability, ethnicity, gender, gender identity or expression, genetic information or history, marital status, military status, national origin, nationality, pregnancy, race, religion, sex, sexual orientation, socioeconomic status, transgender or on any other basis protected by law.

Upgrade helps customers move in the right direction with affordable and responsible financial products. Since 2017, we've helped over 7.5 million customers access over $42 billion in consumer credit. With a relentless focus on improving our customers' financial well-being, we build products that put more money in their pocket and support their journey toward a better financial future. We're backed by some of the most prominent technology investors and were most recently valued at $7.3B. We're consistently recognized for our collaborative and inclusive culture. Most recently, we were named one of the World's Top Fintech Companies by CNBC, Best Places to Work by Built In, Best Places to Work by the San Francisco Business Times, America's Greatest Workplaces by Newsweek, Best Startup Employer by Forbes, and Healthiest Employers by Phoenix Business Journal. We're looking for new team members who get excited about designing and delivering new and better products. Come join us and help build a better financial future for millions of people. About the Role: Our Verifications team is hiring for Entry Level Underwriters. We are looking for detailed oriented individuals to assist our customers with the loan application process. Our Entry Level Underwriters are responsible for the accurate review, processing and decisioning of applicant loans. In this position, you would spend your day reviewing financial and identifying documents, assisting applicants over the phone, gather additional documents and following up with applicants to verify financial information to decision the loan application. This is a dynamic role partnering with our customers to provide a best in class experience. Pay: $24.00 per hour Start Date: February 9th, 2026 What You'll Do: * Maintain high quality while processing large numbers of personal consumer loan applications * Provide excellent customer service to inbound and outbound calls * Answer customer service request via an internal communication system * Be an expert on our product and processes * Adapt to changing policy and procedures on a constant basis while maintaining high quality to your work * Review financial documents submitted by the borrower * Verify and calculate customer income * Detect suspicious and fraudulent loan applications * Meet and/or exceed production, quality, and customer service goals What We Look For: * 1+ years of experience in banking, financial services and/or related industry * Previous contact center experience * College degree preferred * Ability to calculate financial information accurately * Strong problem solving and analytical skills * High level of integrity * Team oriented mindset * Ability to thrive in a changing and fast-paced environment * Excellent verbal and written communication skills * Detail oriented * Proficient with Google Workspace: Gmail, Sheets, Docs Nice to Have: * Knowledge of Zendesk or other CRM applications is a plus What We Offer You: * Great open office space * Paid time off (PTO) * Competitive 401(k) program * Comprehensive benefits package: Medical, dental, vision, life insurance & disability * Conveniently located in the heart of Downtown Phoenix close to light rail and public transportation * Paid parking or platinum pass * New Hire Training Program * Wellness Incentive Program * Kitchen fully stocked with snacks and beverages #LI-Onsite For California residents: Upgrade's California Notice at Collection and Privacy Policy describes our practices regarding the collection, use, and disclosure of the personal information of job applicants. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Upgrade does not accept unsolicited resumes from staffing agencies, search firms, or any third parties. Any resume submitted to any employee of Upgrade without a prior written agreement in place will be considered the property of Upgrade, and Upgrade will not be obligated to pay any referral or placement fee. Agencies must obtain advance written approval from Upgrade's Talent Acquisition department to submit resumes and only in conjunction with a valid, fully executed agreement. English is required for all positions, as it involves interacting with staff at Upgrade's offices worldwide.

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.

WHO ARE WE: Alerus is a commercial wealth bank and national retirement provider with one core purpose: helping clients achieve their financial goals. We are driven by a shared commitment to always do the right thing; leading with integrity and providing valued advice and guidance to our clients. We value the expertise and skillsets each team member provides and encourage collaboration, innovation, adaptability, and an entrepreneurial spirit at all levels of our company. By consistently seeking improvements and growth, we foster long-term relationships with clients and team members. We are proud to be recognized as a Top Workplace by numerous industry and regional outlets. CORE VALUES: Passion for Excellence :: Success is Never Final :: Do the Right Thing :: One Aleru ACCOUNTABILITIES: Centralized Underwriting for new loans, modifications and renewals Propose Lending Solutions Underwrite Credit Risk Complete Annual Reviews Provides Support to the Commercial & Business Bankers ABOUT THE ROLE: The Business Banking Underwriter I is accountable for underwriting and monitoring a portfolio of business banking level commercial and industrial (C&I) loans ranging in size from $1,000,000 to $5,000,000. The portfolio may also include agricultural, owner occupied and/or small investor commercial real estate loans. Will partner with Commercial & Business Bankers to propose and negotiate lending solutions on new opportunities and underwrite credit risk. Responsible for determining the credit worthiness of borrowers and/or sponsors and recommending credit decisions. Monitors portfolio credit relationships for covenant compliance, collateral monitoring, and credit deterioration, as applicable. Keeps apprised of industry related issues to analyze and determine their impact on specific industries, clients, or Alerus C&I portfolios. Performs all duties in accordance with policies, procedures, and regulatory requirements. WHAT YOU'LL BE DOING: Performs financial analysis including forecasting and sensitivity analysis to assist in determining borrower capacity to repay. Develop a comprehensive understanding of customer's financial needs and formulate a plan for loan structure and servicing. Writes cogent credit narratives and perform advanced risk assessments of products, policy, structure, terms and financial strength with minimal to moderate guidance/feedback. Collaborate with bankers and Regional Credit Officers to structure loan terms that align with the bank's risk appetite and client needs. Independently grades all credits in accordance with Bank's credit classification system. Monitor existing loan portfolio performance and proactively identify early warning signs of credit deterioration or covenant breaches. Ensures loan requests adhere and comply with applicable bank regulations, policies and procedures. Stay updated on economic trends, industry developments, and regulatory changes impacting credit underwriting and commercial lending practices. WHAT YOU SHOULD HAVE: Bachelor's degree or equivalent education including upper-level courses in finance and accounting 1-3 years of experience in a previous credit analyst or underwriter position 1+ years of experience working with commercial and industrial, commercial real estate and agricultural lending preferred In-depth knowledge of straightforward to medium complexity loan documentation, banking laws, and regulations preferred WHAT WE BRING TO THE TABLE: Competitive compensation including base salary, bonus and/or incentive opportunities. Comprehensive benefits package providing a wide range of health and well-being benefits, including medical, dental, vision, life and long-term disability insurance; and 401(k) and ESOP for retirement savings. Generous paid time off programs such as flexible time off, company-paid holidays, parental and bereavement leave. Learning and development resources for personal and professional career development, and advancement opportunities. Access to financial experts for guidance, financial wellness tools, and discounts on Alerus products and services. Support for the communities we live in through paid volunteer time and a company donation match opportunity. WORK ENVIRONMENT: Work is typically performed in an office setting. The employee is regularly required to sit for extended periods of time. The employee is occasionally required to move about the office utilizing proper ergonomic safeguards when doing so. Additionally, the employee must occasionally lift or move supplies and materials up to 20 pounds. BASE PAY RANGE: $60,000 - $80,000 per year The above information in this description has been designed to indicate the general nature and level of work performed by employees in this position. It is not designed to contain or be interpreted as an exhaustive list of all responsibilities, duties, and qualifications required of employees assigned to this job. Alerus is an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

As a leading provider of insurance and reinsurance with worldwide operations and employees in Bermuda, U.S., U.K., Continental Europe and Asia, we recognize that our success is derived directly from those who matter the most: our people. At Sompo International, our values of integrity, collaboration, agility, execution and excellence underpin our culture and our commitment to providing an employee experience that attracts and engages the best talent in the industry. As we continue to grow, we strive to find diverse, innovative and driven professionals to join our teams and offer a broad range of career and development opportunities at all levels, in multiple business areas, in each of our locations throughout the world. Our compensation and benefits programs are market driven and competitive, with excellent family friendly policies and flexible working provisions. Job Description Sompo has a unique opportunity for a 2026 Sompo Underwriting Trainee for our Middle Market Team in our in our Scottsdale, AZ office. Our Trainee Program is an 18-month program beginning in July 2026 designed to equip you with the essential business and technical skills needed to build a successful career in insurance. As an Underwriting Trainee you will work alongside the most experienced underwriters in the industry to gain in-depth knowledge of our business units and underwriting philosophy through on-the-job learning, workplace mentoring. Our Trainees work directly on their products' accounts, building relationships and identifying customers' needs. This rigorous curriculum also includes training in negotiation, risk analysis and relationship management. Sompo's Trainee Program serves as a launchpad for career advancement, empowering you to acquire the knowledge and skills essential for success in your respective field. What can I expect as a Underwriting Trainee? On-The-Job Learning Insurance requires a high degree of experience and expertise - something you can't learn in the classroom. Sompo Trainees are immersed in the day-to-day activities of their team, assisting Underwriters in exposure analysis and operational analysis of insureds, compiling a competitor analysis from a publicly available database, working with Underwriting Assistants in developing renewal lists, contacting brokers for submissions, and accompany underwriters during internal meetings and occasional external marketing calls. Activities, Learning and Development Directed Self-Study Professional designation courses give new Trainees professionals technical knowledge of insurance operations and industry practices. Sompo supports our employees pursuing continuing educations opportunities by covering the cost for fees and textbooks, offering time off work to take exams and providing additional compensation for successful completion of many courses. Career Development Support At Sompo, we are committed to developing our people. We encourage employees to strengthen their skills and expand their understanding of the business. Our Underwriting Trainees receive professional development training on a variety of topics aligned with their respective business unit. What will I need to be an Underwriting Trainee? Qualifications, Skills and Experience Sompo employees are some of the best and brightest in the industry. When recruiting the next generation of Sompo employees, we consider graduating Seniors, and recent college graduates with previous internship experience working in insurance, financial services, marketing or sales. Additional requirements include: * Bachelor's degree * Graduation date between May 2025 and May 2026 * Genuine interest in developing a career in the insurance industry * Ability to articulate ideas clearly through written and verbal communication * Solution-oriented mindset and data analytical skills * Ability to work independently and collaborate with others * Adaptability to new challenges and ability to thrive in a fast-paced environment * Demonstrates integrity and reliability in fulfilling roles and responsibilities * Detail-oriented, organized, and tech-savvy (Microsoft Excel, Word, PowerPoint) * Local to the desired office location or able to arrange housing and transportation in the area to support an in-office working arrangement while in the Trainee Program * Eligible candidates must be at least 18 years old and authorized to work in the United States without restriction Salary Range: $70,000 - $77,500 Actual compensation for this role will depend on several factors including the cost of living associated with your work location, your qualifications, skills, competencies, and relevant experience. At Sompo, we recognize that the talent, skills, and commitment of our employees drive our success. This is why we offer competitive, high-quality compensation and benefit programs to eligible employees. Our compensation program is built on a foundation that promotes a pay-for-performance culture, resulting in higher incentive awards, on average, when the Company does well and lower incentive awards when the Company underperforms. The total compensation opportunity for all regular, full-time employees is a combination of base salary and incentives that gets adjusted upfront based on overall Company performance with final awards based on individual performance. We continuously evaluate and update our benefit programs to ensure that our plans remain competitive and meet the needs of our employees and their dependents. Below is a summary of our current comprehensive U.S. benefit programs: * Two medical plans to choose from, including a Traditional PPO & a Consumer Driven Health Plan with a Health Savings account providing a competitive employer contribution * Pharmacy benefits with mail order options * Dental benefits including orthodontia benefits for adults and children * Vision benefits * Health Care & Dependent Care Flexible Spending Accounts * Company-paid Life & AD&D benefits, including the option to purchase Supplemental life coverage for employee, spouse & children * Company-paid Disability benefits with very competitive salary continuation payments * 401(k) Retirement Savings Plan with competitive employer contributions * Competitive paid-time-off programs, including company-paid holidays * Competitive Parental Leave Benefits & Adoption Assistance program * Employee Assistance Program * Tax-Free Commuter Benefit * Tuition Reimbursement & Professional Qualification benefits In today's world, what do we stand for? Ethics and integrity are the foundation of delivering on our commitment to you. We believe that core values drive success, and that when relationships are held in the highest regard, there is nothing that cannot be accomplished. At Sompo International, our ring is more than a logo, it is a symbol of our promise. Click here to learn more about life at Sompo. Sompo International is an equal opportunity employer and we intentionally value inclusion and diversity. Above all, we want you to work in an environment that respects everyone's unique contributions - we are passionately committed to equal opportunities. We do not discriminate based on race, color, religion, sex orientation, national origin, or age.

Serves as first level of contact for agent inquiries, contract questions, pricing questions, system training needs, and post bind service requests within designated authority. Researches and gathers appropriate information and responds to those inquiries within established Service Level Agreements (SLA's). Communicates directly with agents both verbally (phone) and/or in writing (email) as required. When outside of designated authority or expertise, forwards to respective business team with supporting research and documentation. When within designated authority; evaluates, accepts, rejects, or modifies risks within established underwriting guidelines, authority, and compliance regulations. Complies with corporate standards, procedures, business strategies and rating plans. Assumes ownership of agent inquiries through to resolution, including those inquiries that are handled in areas outside of Digital Concierge to ensure agent receives a response and is satisfied. Ability to sell and negotiate to achieve profitability for the Company. Assists with all transaction types including, but not limited to: new business, renewals, endorsements, referrals, BORs, rewrites, and cancellations as assigned. Utilizes Small Commercial Inventory Management systems, MS Dynamics, and UW Services mailboxes, along with additional technologies, to manage daily workload to meet Service Level Agreements with underwriters and agents. Builds and maintains a result-oriented relationship with the agents and underwriters to drive overall results including profitability, growth, and retention. Knowledge and understanding of Commercial Property and Casualty insurance principles and practices. Strong Interpersonal skills-ability to establish trust and effective working relationships with others-both external and internal customers in a multi-cultural environment. Strong Communication Skills, including the ability to provide phone support to our agents. Must be able to listen effectively, confidently and diplomatically express decisions and outcomes, provide agent training when needed, and present effective written communication to varied audiences. Self-motivated; must be able to work independently and within a team/group environment and make logical decisions. Demonstrates initiative as evidenced by ability to organize and prioritize work. Exceptional understanding of principles and processes for providing excellent customer service. This includes meeting established time and quality standards ensuring customer satisfaction Proven analytical skills including the ability to identify and report problems or errors while working with significant amounts of detailed information. Outstanding attention to detail and organizational skills. Ability to use company's commercial rating and policy issuance systems and software programs (MS Word, Excel, Outlook, and Dynamics) needed to conduct daily business. Strong Knowledge of Duck Creek, Marketplace, and Small Commercial Inventory Management systems a plus. Education and Experience High School Diploma College Credits or Insurance Certifications, preferred

We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, this specific role could have the flexibility to work from home up to 3 days per week. Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company's underwriter training program for the assigned line of insurance and requires the person to: Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment Analyze loss experience, financial conditions and physical characteristics of risks Acquires a working knowledge of supporting sections of the underwriting department Effectively communicate with independent agents and other associates through verbal and/or written means Participate in and successfully complete the Company underwriter training program Desired Skills & Experience Bachelor's degree or direct equivalent experience with property/casualty underwriting Ability to organize data, multi-task and make decisions independently Above average communication skills (written and verbal) Ability to write reports and compose correspondence Ability to resolve complex issues Continually develop product knowledge through participation in approved educational programs Benefits Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you! Equal Employment Opportunity Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law. *Please note that the ability to work in the U.S. without current or future sponsorship is a requirement. #LI-DNI #IN-DNI

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.

K. Hovnanian American Mortgage is uniquely positioned to deliver the keys to making our customer's dream of home ownership a reality better than any other lender. Why? Because K. Hovnanian Homes is celebrating over 65 years of quality and leadership in the home building industry and their homebuyers are our exclusive clients. These families have put their dreams in our hands, and you can as well. Acceptance or denial of a loan rests upon your analysis. Applicants, inspectors and creditors alike await the judgments of your keen examination of their forms and reports. Your findings weigh heavily on decisions that mean profit or loss and your ability to reason, analyze, calculate and draw fair and valid conclusions is well documented. Not only are you adept at weighing a multitude of factors to determine the degree of risk, but you have the communication skills to effectively present this information and respond to questions from customers and the general public, as well as to groups of managers and other Associates. Qualifications for this position include high school diploma or general education degree (GED) and two years government and conventional experience and/or training with a minimum of two years underwriting government and conventional products. Our commitment K. Hovnanian American Mortgage, LLC, an indirect subsidiary of Hovnanian Enterprises, Inc., a well-respected publicly traded company, is committed to providing an environment and programs that help our associates flourish. You can look forward to professional support and extensive benefits-including medical/dental/vision coverage, discounts on mortgages and home appliances, and a 401(k) plan with company match. Note to Search Firms K. Hovnanian American Mortgage, LLC is not accepting unsolicited assistance from search firms for this employment opportunity. Please, no phone calls or emails. All resumes submitted by search firms to any associate at K. Hovnanian via email, the Internet or in any form and/or method without a valid written search agreement in place for this position will be deemed the sole property of K. Hovnanian. No fee will be paid in the event the candidate is hired by K. Hovnanian as a result of the referral or through other means.