Underwriter jobs in Birmingham, AL - 36 jobs

Job Title: Credit Underwriter The Credit Underwriter will be responsible for evaluating loan applications, assessing credit risk, and making informed lending decisions in accordance with the bank's policies, regulatory requirements, and risk tolerance. This role involves analyzing financial statements, credit reports, and collateral to ensure that lending decisions align with the bank's standards. The Credit Underwriter will collaborate with relationship managers and other departments to ensure smooth processing and mitigate risks while supporting the bank's lending objectives. Essential Duties and Responsibilities: • Loan Application Analysis: Review and evaluate loan applications, financial statements, and credit reports to assess the credit risk of potential borrowers and determine their eligibility for credit. • Credit Risk Assessment: Conduct thorough assessments of borrower creditworthiness, using financial ratios, historical data, and qualitative information to ensure accurate lending decisions. • Collateral Evaluation: Assess the adequacy and value of collateral to determine appropriate loan structures, ensuring that risk exposure is minimized. • Loan Approval Recommendations: Prepare well-documented credit memos with detailed assessments, presenting clear recommendations for loan approvals or rejections to management. • Policy and Compliance Adherence: Ensure all credit decisions comply with the bank's internal lending policies, procedures, and relevant regulatory requirements. • Collaboration with Internal Teams: Work closely with relationship managers, loan officers, and other departments to collect necessary information, discuss loan proposals, and resolve issues. • Risk Mitigation: Identify emerging risks in lending and recommend proactive measures to minimize potential losses. • Industry Awareness & Market Trends: Stay up-to-date on market conditions, economic trends, and regulatory changes affecting lending and underwriting processes. Knowledge/Skills/Abilities: • Strong understanding of financial statements, financial modeling, and credit analysis techniques. • Proven experience in credit analysis or underwriting within a banking environment. • Familiarity with banking regulations and compliance requirements. • Excellent analytical, problem-solving, and decision-making skills. • Strong written and verbal communication skills. • Proficiency in Microsoft Office Suite and financial analysis software. • Attention to detail, with the ability to work under pressure. Competencies: • Accountability: Willing to claim ownership for results of actions that were executed personally; Meets personal and organizational obligations associated with serving customers and utilizing resources; Performs duties and position without requiring guidance. • Collaboration: Cooperates with others to establish priorities and develop work plans; Cooperates with team members to complete tasks assigned to the team; consistently contributes to group discussions and shares information. • Customer Service: Establishes cooperative working relationships with others internal and external to the organization; Resolves fairly complex or non-routine problems, questions, or complaints; directs the most complex problems, questions, or complaints to the appropriate person; effectively handles situations with moderate degree of tension, conflict and/or distress. • Decision-Making: Exercises good judgment in situations when data is limited and the solution may be unclear; Makes appropriate decisions in given time restraints; demonstrates the ability to weigh factors and perceive impacts and implications of personal decisions in situations. • Organizational Awareness: Understands the mission and functions of the organization; Demonstrates in-depth knowledge of organizational policies, procedures, rules, regulations impacting the organization, and guidelines; Educates others on organizational programs and policies; Aware of the key stakeholders, decision-makers, and power dynamics within the organization. • Self-Management: Sets goals and priorities for own work consistent with goals of the organization and accommodates unforeseen workload; Applies effort and persistence toward the achievement of goals; willingly accepts new or additional responsibilities. Qualifications Education and Experience: Required: Bachelor's degree in Finance, Accounting, Economics, or a related field and 1-2 years of related experience required. Preferred: 3-5 years of experience in credit analysis or underwriting within a banking environment preferred. Certification in Credit Risk (e.g., CRISC, FRM) or similar professional certifications. Experience working with loan products or in specialized industries such as real estate, manufacturing, etc.

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice. Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions' Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system. **Job Description:** At Regions, the SBA Underwriter provides underwriting support for the Regions SBA Portfolio. This position serves as the primary evaluation point for SBA loan requests with responsibilities including reviewing applications against approval checklist by product type, completing initial eligibility analysis, financial statement spreading, detailed analysis of repayment capacity and financial metrics, and initial Credit Approval Package preparation. The SBA Underwriter may also provide the initial framework for various credit servicing activities, including establishing requirements for ongoing monitoring of financial statements, ratios or other performance metrics, collateral management, and overall performance of SBA loans. **Primary Responsibilities** + Reviews each assigned SBA application following completion of the Pre-Underwriting Review process + Applies knowledge of SBA Standard Operating Procedures (SOP) to evaluate loan applications for accuracy, completeness, and eligibility + Confirms accurate execution of tasks performed by SBA Underwriter I + Provides mentoring and support for SBA Underwriter I + Primarily handles applications with total credit exposure of $350,000 and less, including all applications submitted through Regions' SBA Small Dollar Program + Performs analysis of financial statement spreads and repayment capacity for borrowers, affiliate business entities, and corporate and personal guarantors + Reviews business and personal credit reports, as well as industry and market data + Identifies and properly mitigates all risks associated with each assigned SBA application + Prepares an appropriately detailed credit memorandum outlining terms and conditions for loan closing, summarizing financial and business analysis, and addressing mitigation of all identified risks + Demonstrates excellent working knowledge of all systems utilized by the department + Eligible for individual lending authority up to $500,000 This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay. This position is incentive eligible. **Requirements** + Bachelor's degree in Accounting, Finance, or related field + Two (2) years of SBA experience, commercial loan underwriting, financial analysis or portfolio management experience **Skills and Competencies** + Ability to identify and voice issues + Ability to prioritize and operate with a sense of urgency + Ability to work collaboratively with multiple stakeholders + Organized, detail-oriented, and able to multi-task + Strong analytical and problem solving skills + Strong verbal and written communication skills + This position may be filled at a higher level depending on the candidate's qualifications and relevant experience + This position is primarily responsible for servicing and managing Small Business Administration (SBA) loan portfolios, ensuring compliance with SBA guidelines and delivering exceptional client support throughout the loan lifecycle **Position Type** Full time **Compensation Details** Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job. The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position. **Job Range Target:** **_Minimum:_** $62,261.65 USD **_Median:_** $81,960.00 USD **Incentive Pay Plans:** This role is eligible to participate in a discretionary incentive plan. Employees have the potential to receive a discretionary award based on performance against defined metrics and goals. **Benefits Information** Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. (******************************************************************** Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions. + Paid Vacation/Sick Time + 401K with Company Match + Medical, Dental and Vision Benefits + Disability Benefits + Health Savings Account + Flexible Spending Account + Life Insurance + Parental Leave + Employee Assistance Program + Associate Volunteer Program Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions' benefits, please click or copy the link below to your browser. ************************************************************* **Location Details** Riverchase Complex North Building **Location:** Hoover, Alabama Equal Opportunity Employer/including Disabled/Veterans Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.

Ryan Specialty is hiring for Underwriter Trainees/Assistants to join our Velocity Risk! Velocity Risk is a distinctive managing general underwriter (MGU) specializing in E&S insurance for the US specialty commercial property market. The Underwriting Trainee/Assistant roles are responsible for assisting and supporting underwriters with quoting, rating and issuance of new business, quotes, renewals, and endorsements. This position also responds to problem situations from brokers and performs customer service tasks. What will your job entail? Job Responsibilities: • Support all steps of the underwriting process in conjunction with the underwriting operations function. • Liaise with Underwriters and Operations team to confirm quotes, policy issuance instructions for policies, endorsements, forms, notices, etc. and effectively complete coding/issuance of Ryan Specialty business. • Following up for additional information from brokers • Identify proper forms and endorsements issued to quote submissions and policy issuance in tandem with Underwriters. • Run reports for management or as directed by Underwriters including exposure data, loss runs, broker submissions, declinations, and other ad hoc requests. • Assist underwriters with new business initiatives and customer events. • Track premium due and assist underwriters in calculating premium amounts, resolving premium discrepancies, and issuing invoices. • Ensure all parts of the Underwriting workflow are completed both accurately and on time. • Participating in peer review and quality control for team(s) as needed • Working on special projects as needed Work Experience and Education: • BA/BS degree in Business or Risk Management. • 6 Months to 1 year of experience in related field or similar role. • Extensive knowledge of insurance and policy issuance systems. • Excellent written and oral communication skills. Ryan Specialty is an Equal Opportunity Employer. We are committed to building and sustaining a diverse workforce throughout the organization. Our vision is an inclusive and equitable workplace where all employees are valued for and evaluated on their performance and contributions. Differences in race, creed, color, religious beliefs, physical or mental capabilities, gender identity or expression, sexual orientation, and many other characteristics bring together varied perspectives and add value to the service we provide our clients, trading partners, and communities. This policy extends to all aspects of our employment practices, including but not limited to, recruiting, hiring, discipline, firing, promoting, transferring, compensation, benefits, training, leaves of absence, and other terms, conditions, and benefits of employment. How We Support Our Teammates Ryan Specialty seeks to offer our employees a comprehensive and best-in-class benefits package that helps them - and their family members - achieve their physical, financial, and emotional well-being goals. In addition to paid time off for company holidays, vacation, sick and personal days, Ryan offers paid parental leave, mental health services and more. The target hourly rate range for this position is $19.00 - $24.00 per hour. The wage range for this role considers many factors, such as training, transferable skills, work experience, licensure and certification, business needs, and market demands. The pay range is subject to change and may be modified in the future. Full-time roles are eligible for bonuses and benefits. For additional information on Ryan Specialty Total Rewards, visit our website ***************************** We provide individuals with disabilities reasonable accommodations to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment in accordance with applicable law. Please contact us to request an accommodation at ************* The above is intended to describe this job's general requirements. It is not to be construed as an exhaustive statement of duties, responsibilities, or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Ryan Specialty is hiring for Underwriter Trainees/Assistants to join our Velocity Risk! Velocity Risk is a distinctive managing general underwriter (MGU) specializing in E&S insurance for the US specialty commercial property market. The Underwriting Trainee/Assistant roles are responsible for assisting and supporting underwriters with quoting, rating and issuance of new business, quotes, renewals, and endorsements. This position also responds to problem situations from brokers and performs customer service tasks. What will your job entail? Job Responsibilities: • Support all steps of the underwriting process in conjunction with the underwriting operations function. • Liaise with Underwriters and Operations team to confirm quotes, policy issuance instructions for policies, endorsements, forms, notices, etc. and effectively complete coding/issuance of Ryan Specialty business. • Following up for additional information from brokers • Identify proper forms and endorsements issued to quote submissions and policy issuance in tandem with Underwriters. • Run reports for management or as directed by Underwriters including exposure data, loss runs, broker submissions, declinations, and other ad hoc requests. • Assist underwriters with new business initiatives and customer events. • Track premium due and assist underwriters in calculating premium amounts, resolving premium discrepancies, and issuing invoices. • Ensure all parts of the Underwriting workflow are completed both accurately and on time. • Participating in peer review and quality control for team(s) as needed • Working on special projects as needed Work Experience and Education: • BA/BS degree in Business or Risk Management. • 6 Months to 1 year of experience in related field or similar role. • Extensive knowledge of insurance and policy issuance systems. • Excellent written and oral communication skills. Ryan Specialty is an Equal Opportunity Employer. We are committed to building and sustaining a diverse workforce throughout the organization. Our vision is an inclusive and equitable workplace where all employees are valued for and evaluated on their performance and contributions. Differences in race, creed, color, religious beliefs, physical or mental capabilities, gender identity or expression, sexual orientation, and many other characteristics bring together varied perspectives and add value to the service we provide our clients, trading partners, and communities. This policy extends to all aspects of our employment practices, including but not limited to, recruiting, hiring, discipline, firing, promoting, transferring, compensation, benefits, training, leaves of absence, and other terms, conditions, and benefits of employment. How We Support Our Teammates Ryan Specialty seeks to offer our employees a comprehensive and best-in-class benefits package that helps them - and their family members - achieve their physical, financial, and emotional well-being goals. In addition to paid time off for company holidays, vacation, sick and personal days, Ryan offers paid parental leave, mental health services and more. The target hourly rate range for this position is $19.00 - $24.00 per hour. The wage range for this role considers many factors, such as training, transferable skills, work experience, licensure and certification, business needs, and market demands. The pay range is subject to change and may be modified in the future. Full-time roles are eligible for bonuses and benefits. For additional information on Ryan Specialty Total Rewards, visit our website ***************************** We provide individuals with disabilities reasonable accommodations to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment in accordance with applicable law. Please contact us to request an accommodation at ************* The above is intended to describe this job's general requirements. It is not to be construed as an exhaustive statement of duties, responsibilities, or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

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

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

Reviews, analyzes, and processes loan and lease credit applications and conducts credit investigations to make informed credit decisions within assigned authority; refers applications exceeding that authority to others for decisioning. Works in partnership with Sales in communicating with origination source, obligor, accounting firms, banks, etc. Works with Sales to explain credit decisions and/or transaction structure. Recommends risk ratings based on the utilization of the Bank's Probability of Default and Loss Given Default scorecards. Writes more detailed credit memos which address anticipated information needs for management decisioning of higher transaction amounts. **Primary Responsibilities:** Underwrite loan and lease credit applications within assigned authority and accurately record the decision in the appropriate system. Refer credit decisions above assigned authority to proper credit personnel, inclusive of a recommendation for approval or denial. Ensure all credit recommendations have been approved by the proper level of credit authority. Prepare credit-write ups for transactions with total exposure between $1.0 mm and $2.0 mm, routinely including the review of borrower's financial statements (which can include 10K and 10Q reports) and/or tax returns that require use of financial spreadsheets to properly analyze financial condition and cash flow. Search public databases to obtain debt ratings, financial statements, and other information as needed. Assign appropriate risk ratings to customers according to parameters outlined in Credit Policy. Review collateral descriptions, vendor qualifications and experience with the business and recommend appropriate structure and credit action as part of comprehensive credit write-up. Ensure activities adhere to Credit Policy, including identification of reportable and non-reportable policy exceptions, as well as other Bank policies and external regulations. Determine total business credit exposure and review current and past schedules held with the business to determine potential credit concerns related to payment delinquencies. Prepare annual reviews for existing borrowers with exposure greater than $750 m on a quarterly basis and inclusive of a review of updated financial statements and evaluation of assigned risk ratings. Communicate with Sales to provide explanations of investment decisions and/or transaction structure as needed. Develop and maintain a sound understanding of the inherent sensitivities with vendor, major account, and end user relationships, while managing credit risk; escalate concerns to management as required. Present analyses and/or address questions during credit request discussions or committee presentations as requested. Understand and adhere to the Company's risk and regulatory standards, policies, and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management. Promote an environment that supports belonging and reflects the M&T Bank brand. Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. Complete other related duties as assigned. **Scope of Responsibilities:** **Supervisory/Managerial Responsibilities:** Not Applicable **Education and Experience Required:** Bachelor's degree and a minimum of 3 years' related experience, or in lieu of a degree, a combined minimum of 7 years' higher education and/or work experience, including a minimum of 3 years' related experience Strong organizational skills Strong analytical skills Strong decision-making skills Strong verbal and written communication skills Proven presentation skills Good working knowledge of credit and underwriting principles and procedures **Education and Experience Preferred:** Bachelor's degree in Finance, Accounting, Economics, or Mathematics Minimum of 5 years' related experience Formal credit training Leasing industry experience Working knowledge of other related departments within the business Complete knowledge and understanding of business credit policies and procedures **Physical Requirements:** General office environment General office equipment M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $35.88 - $59.80 (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Full-time Description The Commercial Underwriter is responsible for evaluating, analyzing, and underwriting commercial loan requests to ensure sound credit decisions that align with the Bank's risk tolerance and lending policies. This position works closely with Relationship Managers, Credit Administration, and Executive Management to structure credit solutions that meet client needs while maintaining portfolio quality and regulatory compliance. Key Responsibilities: Analyze financial statements, tax returns, cash flow projections, and collateral documentation to determine borrower creditworthiness. Evaluate loan requests for new and existing commercial and/or consumer clients, including renewals, modifications, and annual reviews. Prepare detailed credit memos outlining loan recommendations, risk ratings, and mitigating factors. Assess borrower, guarantor, and collateral strength to ensure loans adhere to Bank policy, regulatory guidelines, and prudent underwriting practices. Collaborate with Loan Officers and Senior Management to structure and price commercial credit facilities. Identify and communicate potential risks, weaknesses, and exceptions to policy; propose risk mitigation strategies. Maintain thorough documentation supporting credit decisions and ensure timely completion of underwriting assignments. Monitor portfolio performance and assist in identifying deteriorating credits or emerging risks. Support ongoing compliance with internal loan policy, FDIC, OCC, and other regulatory requirements. Assist with periodic portfolio reviews, audits, and loan review examinations. Participate in the development and continuous improvement of underwriting procedures and tools. Any other duties and responsibilities as assigned. Requirements Working Conditions: Full-time position, Monday-Friday, 8:00am-5:00pm C.T. with a 1-hour lunch break. This position may involve work outside of the standard schedule including, but not limited to, assisting customers, completing tasks or assignments, work-related events, etc. 100% in-office position. Prolonged periods sitting at a desk and working on a computer. Must be able to lift up to 15 pounds at times. Professional attire required. Qualifications: Bachelor's degree in Finance, Accounting, Business, Economics, or related field required. 3-5 years of experience in commercial credit analysis, underwriting, or related banking role. Strong knowledge of commercial lending practices, loan structures, and regulatory compliance. Proficiency in financial statement analysis, ratio analysis, and cash flow modeling. Excellent written and verbal communication skills, with the ability to prepare clear, concise credit recommendations. High attention to detail and accuracy; strong organizational and time management skills. Proficient in Microsoft Office Suite and financial spreading software. Ability to work independently and collaboratively in a fast-paced environment.

AmFirst is committed to trust, integrity, and financial wellness. We love giving our members exceptional service and value. We treat our employees just the same⁠-like family. AmFirst provides growth, opportunity, and development. We offer our employees an extensive benefits package. Role: Assists members and potential members with their financial needs, opens new accounts, processes account transactions, resolves problems, and provides assistance and information regarding products and services. Essential Functions & Responsibilities Assists members with opening and closing accounts, answers questions about products and services and resolves problems that are within their authority to resolve. Refers problems that are beyond their authority to their supervisor, along with their recommendations. Performs all consumer loan functions including selling services, quoting rates, utilizing the lending software and closing loans. Identifies cross-sell opportunities and cross-sells services to members. Ensures appropriate records are maintained and required reports are prepared. Conducts audits of system information and member documents. Acts as liaison between members and various departments. Represents the branch as appropriate in its relationships with members, sponsor organizations(s), business partners, other financial institutions and similar groups. Performs other job-related duties as assigned. Performance Measurements Open all accounts, certificates, loans, and other credit union products or services accurately, ensuring all related forms and documents are completed in a timely manner. Actively cross-sell products and services to members to achieve or exceed all established sales goals and assist in meeting corporate goals. Troubleshoot and resolve member and internal inquiries in a timely and accurate manner. Ensure compliance with all applicable credit union policies and procedures. Maintain Quality Loop scores within the branch of 6.7 or higher. Knowledge & Skills Experience - Minimum 6 months experience in New Accounts. Education - A high school education or GED. Interpersonal Skills - Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. Other Skills - Must be able to utilize various computer programs to obtain and enter information. Must demonstrate strong public contact and telephone skills. Must demonstrate good judgement in order to resolve member issues and to offer other services. Must be current on all policies and procedures related to teller and new account functions and be fully versed on all services offered by the credit union. Must demonstrate familiarity with the lending function; including taking consumer loan applications, cross selling, and closing consumer loans. Must have experience in handling share certificates and IRA accounts. Must be able to change job function as member traffic dictates to meet member needs. Physical Requirements - Light lifting required.

IAT Insurance Group is seeking a highly skilled Commercial Surety Underwriter to join our team in Alpharetta, Georgia or Birmingham, Alabama. Key responsibilities include collaborating with regional office underwriters, home office personnel, agents, and principals. This role works a hybrid schedule from an IAT Office in either Alpharetta, Georgia or Birmingham, Alabama. The hybrid schedule reflects our values (thinking and acting like an owner, collaboration, and teamwork) as it requires working from the office with colleagues and other disciplines Monday through Wednesday, with the option of working Thursday and Friday remotely. This is an excellent opportunity for professional growth and development within a dynamic and supportive environment. Responsibilities: Financial and account analysis of pertinent financial data, authority, and referral requirements for consideration of new, existing, and renewal business Requesting and gathering financial information on assigned accounts Bond renewal preparation and determination on whether bonds should be canceled Maintain Agency relationships and provide exceptional service and support. May have authority to underwrite low-value bonds and renewals Provide general direction to the Account Managers for bond processing. Provide quality recommendations to Branch and Home Office Reports on assigned accounts and agents Rate and review bonds for premium and classification accuracy Ensure accuracy and completeness of files and verify that all necessary documentation is complete in the file Act as the primary service contact and visit agents assigned by the Regional Manager in order to foster and maintain an ongoing relationship Accurately communicate knowledge of assigned accounts to Branch and Home Office personnel via written and verbal means Prioritize workflow to ensure work is done in a timely fashion and all deadlines are met Travel on a limited basis Perform other duties as needed Qualifications:Must-Have: Bachelor's degree in Risk Management, Finance, Mathematics, Business or related with at least 2 years experience in Surety or equivalent Equivalent is defined as 6 years of relevant Surety underwriting experience Strong marketing skills and ability to obtain new business and work with clients Strong competency in quantitative and financial analysis Requires strong math aptitude, excellent verbal and written communication, interpersonal and negotiating skills Must be customer service oriented and have the utmost integrity Ability to travel on a limited basis To qualify, applicants must be authorized to work in the United States and must not require VISA sponsorship, now or in the future, for employment purposes Preferred to Have: AFSB industry designation All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. We maintain a drug-free workplace and participate in E-Verify. IAT Insurance Group is the largest private, family-owned property and casualty insurer in the U.S. I nsurance A nswers T ogether is how we define IAT, in letter and in spirit. We work together to provide solutions for people and businesses. We collaborate internally and with our partners to provide the best possible insurance and surety options for our customers. At IAT, we're committed to driving and building an open and supportive culture for all. Our employees propel IAT forward - driving innovation, stable partnerships and growth. That's why we continue to build an engaging workplace culture to attract and retain the best talent. We offer comprehensive benefits like: 26 PTO Days (Entry Level) + 12 Company Holidays = 38 Paid Days Off 7% 401(k) Company Match and additional Profit Sharing Hybrid work environment Numerous training and development opportunities to assist you in furthering your career Healthcare and Wellness Programs Opportunity to earn performance-based bonuses College Loan Assistance Support Plan Educational Assistance Program Mentorship Program Dress for Your Day Policy All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. We maintain a drug-free workplace and participate in E-Verify.

Responsibilities Summary: When someone needs coverage for the unique, the unusual, or the unconventional, they come to Burns & Wilcox. Burns & Wilcox offers unparalleled resources and exposure for those looking to excel in the specialty insurance industry. We are looking for candidates with an entrepreneurial spirit and drive for career advancement to join our team as a Commercial Lines Underwriter. The Commercial Lines Underwriter will have the opportunity to grow a book of business by underwriting new commercial business and increasing renewal business through the cultivation of client relationships. Responsibilities: * Build, maintain, and grow a book of business * Manage agency relationships and serve as lead client contact * Create and execute marketing plans to increase new and renewal business * Rate, quote and bind each risk to determine acceptability, coverage, and pricing for large or complex renewals as well as new business * Develop and submit underwriting referrals to company brokerage facilities and Burns & Wilcox management * Monitor key metrics to formulate corrective action impacting new business hit, renewal retention, premium growth, and loss ratio * Lead, train, and develop Assistant and Associate Underwriters Qualifications * Bachelor's degree or equivalent combination of education and experience * 3+ years of commercial lines underwriting experience required, excess & surplus lines experience preferred * Demonstrated proficiency in sales and marketing * Insurance license, CPCU, CIC or comparable designations preferred * Proven organization skills and ability with a strong attention to detail * Interest in continued education and professional development * Travel if necessary in order to foster strong client relationships Benefits: * Competitive base compensation with a sales bonus plan * Employer paid continuing education courses and designations via access to Kaufman Institute * Health and welfare benefits including medical, vision and dental * 401K with employer match * Paid vacation, sick time, and holidays * Access to Kaufman Wellness Program * Flexible and hybrid work options About Our Company Burns & Wilcox, the flagship organization of H.W. Kaufman Group, is North America's leading wholesale insurance broker and underwriting manager. Burns & Wilcox offers wide ranging and comprehensive solutions to serve retail insurance brokers and agents of all sizes, from the large houses to the more than 30,000 independent brokers and agents worldwide. Fueled by its freedom from Wall Street and private equity, Burns & Wilcox is a privately owned company whose standards of service, depth of market relationships and outstanding talent are unsurpassed in the specialty insurance sector. Equal Opportunity Employer The H.W. Kaufman Group of companies is an equal opportunity employer. All employment decisions are based on business needs, job requirements and individual qualifications, without regard to race, color, religion, gender, gender identity, age, national origin, disability, veteran status, marital status, pregnancy, sexual orientation, genetic information or any other status or condition protected by the laws or regulations in the locations where we operate. In addition, Kaufman will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.

With a company culture rooted in collaboration, expertise and innovation, we aim to promote progress and inspire our clients, employees, investors and communities to achieve their greatest potential. Our work is the catalyst that helps others achieve their goals. In short, We Enable Possibility℠. Position Summary: Are you tired of losing business to Group Captives? Well, come join our team! As an Underwriter within Arch Alternative Markets, this position is responsible for the technical underwriting, account management and client management of our casualty group captive programs. We have been growing steadily 20% per year with no shortage of opportunities. We exceeded $1 Billion of GWP and are looking for more team members. Responsibilities and Accountabilities: * Technical Underwriting - Solicits and reviews new and renewal account information required to evaluate a risk. Identifies all potential exposures and hazards in relation to coverage requested and individual and program risk characteristics. Assesses insurance and related financial risk in order to structure appropriate captive programs to effectively protect against frequency, severity, catastrophic and credit risk. Engage other internal resources as necessary. Underwrites, prices and prepares proposals within authority and with necessary input of Arch Actuarial, Credit and Alt Market team. Prepares program binders and presents to captive manager/producer and or prospective insured. Coordinates all administrative duties related to existing and prospective accounts. * Account Management - Quarterbacks all pre and post bind activities including policy production, compliance issues, audits and adjustments, legal agreements, receipt of collateral, legal agreement execution, TPA coordination and any other related items. Together with internal team members, takes responsibility to deliver promised service to customers. Responsible for the renewal and retention management and manages the renewal process to achieve targeted retention and price change goals. Initiates, coordinates and conducts a mid term account review. * Client Management - Develops and maintains relationships with producers and insured's to achieve overall production and profitability goals. Meets with producers and insureds to discuss individual account issues, uncover critical customer needs and financial buying characteristics. Develops a strategic plan for positioning and selling Arch at both the producer and the insured level. Engages and introduces other team members or management team as appropriate. Develops and maintains relationships with producers to generate a flow of qualified submissions. * Administrative - Responsible for all underwriting and policy file documentation which is in compliance with Arch's internal audit process. Completes ad hoc projects as assigned by management. Required Skills and Abilities: * Understanding and knowledge of the intent, scope and purpose of the Workers Compensation, General Liability, and Automobile coverage forms and endorsements with the ability to tailor to the sold captive program design. * Possess a thorough understanding of loss sensitive programs, excess & surplus lines programs. * An understanding of captive programs is desired, but not required. This would include products, pricing, expensing, actuarial loss projecting techniques, retention and aggregate setting, limit profiles, ALAE, credit risk, and effective utilization of facultative reinsurance. * Understanding and knowledge of exposure identification and analysis. * Possess a cross functional generalist knowledge of other disciplines including claims, risk control, audit, premium accounting, finance and legal. Knowledge of regulatory and compliance issues. Education & Experience: * Bachelor's degree or equivalent training required * CPCU or other similar designation a plus. * Three (3) to Five (5) years underwriting experience and/or experience in the Loss Sensitive, Excess & Surplus marketplace, or captive insurance marketplace. * Proficiency with Excel, Word and PowerPoint. * Established broker or captive program relationships not necessary. #LI-Remote #LI-AM3 For individuals assigned or hired to work in the location(s) indicated below, the base salary range is provided. Range is as of the time of posting. Position is incentive eligible. $125,000 - $145,000/year + 10% target bonus * Total individual compensation (base salary, short & long-term incentives) offered will take into account a number of factors including but not limited to geographic location, scope & responsibilities of the role, qualifications, talent availability & specialization as well as business needs. The above pay range may be modified in the future. * Arch is committed to helping employees succeed through our comprehensive benefits package that includes multiple medical plans plus dental, vision and prescription drug coverage; a competitive 401k with generous matching; PTO beginning at 20 days per year; up to 12 paid company holidays per year plus 2 paid days of Volunteer Time Offer; basic Life and AD&D Insurance as well as Short and Long-Term Disability; Paid Parental Leave of up to 10 weeks; Student Loan Assistance and Tuition Reimbursement, Backup Child and Elder Care; and more. Click here to learn more on available benefits. Do you like solving complex business problems, working with talented colleagues and have an innovative mindset? Arch may be a great fit for you. If this job isn't the right fit but you're interested in working for Arch, create a job alert! Simply create an account and opt in to receive emails when we have job openings that meet your criteria. Join our talent community to share your preferences directly with Arch's Talent Acquisition team. 14400 Arch Insurance Group Inc.

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

New Freedom Financial is a family-driven, vision-first agency backed by a major national carrier. We combine modern tech, AI-assisted systems, and human connection to change how families protect their future. Our mission is simple: serve people and leave them better than we found them. Why this role is different This isn't a corporate seat - it's a pathway to ownership. You'll build your own business & develop a book of business, lead a team, and scale your income based on performance. No cold calls. No chasing. You'll work warm, qualified clients who've already requested help. What you'll do Master our systems and product suite to deliver first-class client experiences. Follow up with warm leads and prior client inquiries (we provide high-quality leads). Meet clients virtually (Zoom / phone) and guide them through the protections that build generational wealth. Manage your client communication and relationship lifecycle. Build a personal brand and scale your book - recruit and lead a team when ready. Hit performance goals to unlock promotions, leadership roles, and revenue-share opportunities. Maintain licensing, contracting, and compliance for your market. Attend weekly virtual training and leadership development. Requirements Reliable phone, data, and Wi-Fi. Must pass background check and carrier contracting. Active Life & Health license, or willingness to get licensed (we'll help you in 7-10 days). Who you are You want to build and own something - not just collect a paycheck. Entrepreneurial mindset: you plan, execute, iterate, and refuse to be average. Strong communicator - phone and video-first comfort. Organized, self-motivated, and tech-savvy. Preferably 2+ years in sales, service, or business ownership - but grit and results matter more. Benefits Compensation & growth Uncapped commission structure + performance bonuses and incentives. Clear path to leadership / territory ownership / revenue-share for top performers. Many of our highest-performing partners create a significant, scalable income by building teams and recurring revenue streams. 100% Commission Perks Remote, flexible schedule (evenings/weekends as client needs require). Comprehensive training and a proven playbook to build your business. Annual all-expense-paid trips for top producers. Discounted health and life coverage options. Leadership development and agent-to-owner transition support.

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

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

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice. Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions' Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system. **Job Description:** At Regions, the RAH (Regions Affordable Housing) Affordable Housing Underwriter serves as part of the first line of defense, evaluating and underwriting development partners and guarantors associated with housing tax credit investments to ensure each supports Regions' objectives and meets or exceeds net worth and liquidity guidelines. Through timely and thorough underwriting, this role supports Regions strategy to maintain and expand investor relationships. This position identifies and mitigates risk in existing and proposed transactions. This position will also work directly with teammates in Credit Risk, Client Coverage, Capital Markets, and other areas of the bank to support the broader analysis of credit opportunities, underwriting of credit exposure, and management of a portfolio of loans and other credit relationships while providing effective challenge to these various constituents. This individual will evaluate and underwrite low-income housing tax credit (LIHTC) investments and construction/bridge loans to ensure each supports RAH's objectives and meets or exceeds investment guidelines. **Primary Responsibilities** + Works in support of the RAH team and adds value directly to client and coverage in articulating Regions' underwriting requirements for developers and guarantors of housing tax credit properties, including the analysis of complex guarantor and business structures as well as the collection and analysis of background checks + Creates and maintains guarantor analyses, including ongoing conformance to annual guarantor financial condition requirements. + Manages the guarantor requirement checklist, gathers all required documents, reviews the documents, and notes any issues as appropriate; Understands the background and experience of each development team member including sponsor/developer, general contractor, architect, property manager, project accountant, and support service agency (if applicable) as well as reviews references and conducts background checks. + Proactively identifies potential guarantor issues and alerts the RAH team + Prepares comprehensive summaries of the information gathered and analyzed as part of the investment/loan approval process; is available to respond to specific inquiries of approvers. + Oversees ongoing monitoring of existing portfolio by being accountable for periodic assessments and other servicing requirements + Offers advice and guidance about underwriting specific aspects of the development team and the guarantor analysis to others on the RAH transaction team + Articulates issues associated with financial statements and to assess whether RAH financial and background requirements are met This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay. This position is incentive eligible. **Requirements** + Bachelor's degree in related field + Prior experience with analyzing complex financial statements for corporate entities, real estate operators, developers, and guarantors + Completion of a major corporate credit training program or equivalent corporate banking/finance experience **Preferences** + Knowledge of Affordable Housing or Low-Income Housing Tax Credit (LIHTC) **Skills and Competencies** + Ability to research, analyze data, and derive facts + Ability to work in a team environment when applicable + Ability to work under pressure and meet deadlines + Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.) + Strong verbal, written communication, and organizational skills + Strong work ethic and self-motivation _This position may be filled at a higher level depending on the candidate's qualifications and relevant experience._ **Position Type** Full time **Compensation Details** Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job. The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position. **Job Range Target:** **_Minimum:_** $61,771.71 USD **_Median:_** $77,185.50 USD **Incentive Pay Plans:** This role is eligible to participate in a discretionary incentive plan. Employees have the potential to receive a discretionary award based on performance against defined metrics and goals. **Benefits Information** Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. (******************************************************************** Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions. + Paid Vacation/Sick Time + 401K with Company Match + Medical, Dental and Vision Benefits + Disability Benefits + Health Savings Account + Flexible Spending Account + Life Insurance + Parental Leave + Employee Assistance Program + Associate Volunteer Program Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions' benefits, please click or copy the link below to your browser. ************************************************************* **Location Details** Atlanta Midtown **Location:** Atlanta, Georgia Equal Opportunity Employer/including Disabled/Veterans Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.

Job Title: Credit Underwriter The Credit Underwriter will be responsible for evaluating loan applications, assessing credit risk, and making informed lending decisions in accordance with the bank's policies, regulatory requirements, and risk tolerance. This role involves analyzing financial statements, credit reports, and collateral to ensure that lending decisions align with the bank's standards. The Credit Underwriter will collaborate with relationship managers and other departments to ensure smooth processing and mitigate risks while supporting the bank's lending objectives. Essential Duties and Responsibilities: • Loan Application Analysis: Review and evaluate loan applications, financial statements, and credit reports to assess the credit risk of potential borrowers and determine their eligibility for credit. • Credit Risk Assessment: Conduct thorough assessments of borrower creditworthiness, using financial ratios, historical data, and qualitative information to ensure accurate lending decisions. • Collateral Evaluation: Assess the adequacy and value of collateral to determine appropriate loan structures, ensuring that risk exposure is minimized. • Loan Approval Recommendations: Prepare well-documented credit memos with detailed assessments, presenting clear recommendations for loan approvals or rejections to management. • Policy and Compliance Adherence: Ensure all credit decisions comply with the bank's internal lending policies, procedures, and relevant regulatory requirements. • Collaboration with Internal Teams: Work closely with relationship managers, loan officers, and other departments to collect necessary information, discuss loan proposals, and resolve issues. • Risk Mitigation: Identify emerging risks in lending and recommend proactive measures to minimize potential losses. • Industry Awareness & Market Trends: Stay up-to-date on market conditions, economic trends, and regulatory changes affecting lending and underwriting processes. Knowledge/Skills/Abilities: • Strong understanding of financial statements, financial modeling, and credit analysis techniques. • Proven experience in credit analysis or underwriting within a banking environment. • Familiarity with banking regulations and compliance requirements. • Excellent analytical, problem-solving, and decision-making skills. • Strong written and verbal communication skills. • Proficiency in Microsoft Office Suite and financial analysis software. • Attention to detail, with the ability to work under pressure. Competencies: • Accountability: Willing to claim ownership for results of actions that were executed personally; Meets personal and organizational obligations associated with serving customers and utilizing resources; Performs duties and position without requiring guidance. • Collaboration: Cooperates with others to establish priorities and develop work plans; Cooperates with team members to complete tasks assigned to the team; consistently contributes to group discussions and shares information. • Customer Service: Establishes cooperative working relationships with others internal and external to the organization; Resolves fairly complex or non-routine problems, questions, or complaints; directs the most complex problems, questions, or complaints to the appropriate person; effectively handles situations with moderate degree of tension, conflict and/or distress. • Decision-Making: Exercises good judgment in situations when data is limited and the solution may be unclear; Makes appropriate decisions in given time restraints; demonstrates the ability to weigh factors and perceive impacts and implications of personal decisions in situations. • Organizational Awareness: Understands the mission and functions of the organization; Demonstrates in-depth knowledge of organizational policies, procedures, rules, regulations impacting the organization, and guidelines; Educates others on organizational programs and policies; Aware of the key stakeholders, decision-makers, and power dynamics within the organization. • Self-Management: Sets goals and priorities for own work consistent with goals of the organization and accommodates unforeseen workload; Applies effort and persistence toward the achievement of goals; willingly accepts new or additional responsibilities. Qualifications Education and Experience: Required: Bachelor's degree in Finance, Accounting, Economics, or a related field and 1-2 years of related experience required. Preferred: 3-5 years of experience in credit analysis or underwriting within a banking environment preferred. Certification in Credit Risk (e.g., CRISC, FRM) or similar professional certifications. Experience working with loan products or in specialized industries such as real estate, manufacturing, etc.

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