Underwriter jobs in Boca Raton, FL - 50 jobs

General Job Title: Underwriter - Miscellaneous Medical Division: Specialty Risks Reports To: As per Beazley's organisation chart Key Relationships: Brokers, Underwriters, Claims staff, Coverholders, external Clients and Suppliers Job Summary: To underwrite a Miscellaneous Medical & Life Sciences account within the Healthcare Team and provide counsel and advice on Underwriting related issues. Provide technical expertise in this business area and maintain and improve market reputation of the Beazley brand. Key Responsibilities: Underwriting Develop and underwrite a profitable portfolio of Miscellaneous Medical & Life Sciences business as part of the Healthcare team. Structure tailor-made solutions by considering the team underwriting parameters and underwriting policy and using underwriting knowledge and experience to win new business and retain existing. Monitor premiums, costs and claims ratios per contract and take corrective measures if necessary to ensure long term profitability at account level. Evaluate appropriate risk premium by considering the risk costs, reinsurance cessions, capital exposure as well as the underwriting and general administration costs to ensure profitability, using rating models as applicable. Monitor peer underwriters in their daily work to ensure profitability as well as efficient and cost effective administration of the French and continental European Miscellaneous Medical & Life Sciences account. Monitor and supervise assistants in their daily work to ensure compliance with underwriting philosophy and policy and consistency within the team and Specialty Risks. Comply with Beazley's underwriting control standards for business written through Lloyd's, or Beazley's internal MGAs. Develop a good working relationship with the claims managers on this class of business. Client Management Advise, assist and service clients on insurance and risk matters to ensure clients' satisfaction. Foster positive relationships with clients to get a mutual understanding of both their and Beazley's needs. Maintenance of good business relationships with brokers. Maintain awareness of overall Beazley product range and take advantages of opportunities to introduce other Beazley products to clients. General Leverage networking opportunities within the business to develop standardised underwriting policy and best practice within Beazley. Develop best practice and disseminate business and class knowledge within the Healthcare and Specialty Risks team. Work with peers within Healthcare and Specialty Risks to maximise business opportunities and profitability within the department. This will include but not be limited to sharing market information, marketing sources and cross selling opportunities. Share and gather knowledge within the Beazley Group to ensure dissemination of best practice and maximise business opportunities and profitability across the Group. Production of presentations and marketing literature as required. Production of business plans/research documents for the Miscellaneous Medical & Life Sciences account as required. It is important that within all your interactions both internally and externally you adhere to Beazley's core values - Being Bold, Striving for Better, and Doing the Right Thing - as they contribute to an internal environment of teamwork and promote a positive brand image and experience to our external customers. We also expect Beazley employees to: Comply with Beazley procedures, policies and regulations including the code of conduct Undertake training on Beazley policies and procedures as delivered by your line manager, the Culture & People or assurance teams (compliance, risk, internal audit) either directly, via e-learning or the learning management system Display business ethics that uphold the interests of all our customers Ensure all interactions with customers are focused on delivering a fair outcome, including having the right products for their needs Comply with any specific responsibilities necessary for your role as outlined by your line manager, the Culture & People or assurance teams (compliance, risk, internal audit) and ensure you keep up to date with developments in these areas. This may include, amongst others, Beazley's underwriting control standards, Beazley's claims control standards, other Beazley standards and customer relationship management Carry out additional responsibilities as individually notified, either through your objectives or through the learning management system. These may include membership of any Beazley committees or working groups Personal Specification: Skills and Abilities Proficient underwriting skills Accurate and numerate Computer skills - good working knowledge of MS Office, advanced Excel skills Strong analytical skills with attention to detail Able to communicate effectively with others, both verbally and in writing Ability to manage time, meet deadlines and prioritise Motivational skills Knowledge and Experience General commercial and financial knowledge Experience in insurance industry Experience of Healthcare underwriting Thorough knowledge of underwriting policy, philosophy and practice Advanced knowledge of underwriting processes and systems Client service experience Aptitude and Disposition Result focused, self-motivated, flexible and enthusiastic Professional approach to interact successfully with managers/colleagues/external suppliers Team worker as well as able to work on own initiative Customer focused, with a strong ethic of service and fairness to the customer Competencies Achievement drive Analytical thinking Strategic thinking Service focus Team working Forward thinking Conceptual thinking Essential Criteria Minimum 5 years of underwriting experience in healthcare-related insurance segments such as Miscellaneous Medical, Allied Healthcare, or Healthcare Professional Liability, including risk assessment, pricing, and portfolio management. Advanced analytical and financial skills with the ability to interpret underwriting guidelines, perform exposure evaluations, and make data-driven decisions. High proficiency in Microsoft Excel (including pivot tables, VLOOKUP, and complex formulas) and strong communication skills for negotiating terms and presenting underwriting decisions to brokers, clients, and internal stakeholders. Who We Are: Beazley is a specialist insurance company with over 30 years' experience helping people, communities and businesses to manage risk all around the world. Our mission is to inspire our clients and people with the confidence and freedom to explore, create and build - to enable businesses to thrive. Our clients want to live and work freely and fully, knowing they are benefitting from the most advanced thinking in the insurance market. Our goal is to become the highest performing sustainable specialist insurer. Our products are wide ranging, from cyber & tech insurance to marine, healthcare, financial institutions and contingency; covering risks such as the weather, film production or protection from deadly weapons. Our Culture We have a wonderful mix of cultures, experiences, and backgrounds at Beazley with over 2,000 of us working around the world.Employee's diversity,experience and passion allow us to keep innovating and moving forward, delivering the best. We are proud of our family-feel culture at Beazley that empowers our staff to work from when and where they want, in an adult environment that is big on collaboration, diversity of thought and personal accountability. Our three core values inspire the way we work and how we treat our people and customers. Be bold Strive for better Do the right thing Upholding these values every day has enabled us to become an innovative and responsive organization in touch with the changing world around us - our ambitious inclusion & diversity and sustainability targets are testament to this. We are a flexible and innovative employer offering a friendly, collaborative, and inclusive working environment. We actively encourage and expect applications from all backgrounds. Our commitment to fostering a supportive and dynamic workplace ensures that every employee can thrive and contribute to our collective success. Explore a variety of networks to assist with professional and/or personal development. Our Employee Networks include: Beazley RACE - Including, understanding and celebrating People of Colour Beazley SHE - Successful, High potential, Empowered women in insurance Beazley Proud - Our global LGBTQ+ community Beazley Wellbeing - Supporting employees with their mental wellbeing Beazley Families - Supporting families and parents-to-be We encourage internal career progression at Beazley, giving you all the tools you need to drive your own career here, such as: Internal Pathways (helping you grow into an underwriting role) iLearn (our own learning & development platform) LinkedIn Learning Mentorship program External qualification sponsorship Continuing education and tuition reimbursement Secondment assignments The Rewards The opportunity to connect and build long-lasting professional relationships while advancing your career with a growing, dynamic organization Attractive base compensation and discretionary performance related bonus Competitively priced medical, dental and vision insurance Company paid life, and short- and long-term disability insurance 401(k) plan with 5% company match and immediate vesting 22 days PTO (prorated for 1st calendar year of employment), 11 paid holidays per year, with the ability to flex the religious bank holidays to suit your religious beliefs Up to $700 reimbursement for home office setup Free in-office lunch, travel reimbursement for travel to office, and monthly lifestyle allowance Up to 26 weeks of fully paid parental leave Up to 2.5 days paid annually for volunteering at a charity of your choice Flexible working policy, trusting our employees to do what works best for them and their teams Salary for this role will be tailored to the successful individual's location and experience. The expected compensation range for this position is $120,000K - $160,000K per year plus discretionary annual bonus. Don't meet all the requirements? At Beazley we're committed to building a diverse, inclusive, and authentic workplace. If you're excited about this role but your experience doesn't perfectly align with every requirement and qualification in the job specification, we encourage you to apply anyway. You might just be the right candidate for this, or one of our other roles.

Commercial Underwriters support the revenue growth and asset quality of the commercial lending line of business by participating in new client relationship development activities, functioning as part of the lending partnership, monitoring existing client relationships, and managing credit risk to ensure that loans are quality assets and well-structured so as to mitigate portfolio risk. Understand the nature of the businesses and industries which the line of business serves. Promote and support the loan policies, credit culture, and strategic initiatives of the bank. Examine, evaluate, authorize, or recommend approval of customer applications for commercial loans. Effectively manage a commercial loan portfolio. Underwriters will utilize strong analytical skills, high-level understanding of business finance, and extensive knowledge to propose and provide solutions to meet customer needs. ESSENTIAL DUTIES AND RESPONSIBILITIES: Analyze the financial information on existing and potential customers to assess the borrower's and guarantor's financial condition and ability to repay a loan request, perform periodic or annual reviews and covenant tests, or a loan modification. Investigate all available sources of credit and financial information including reporting services, credit bureaus, and other companies for trade references. Understand the market(s) and industry in which the customer does business. Assess the collateral pledged as security. Meet with and/or call borrower and accountants. Prepare and present financial information, industry data, economic influences, and other market information in the required format and analyze in detail for trends, ratios, cash flow, etc. Prepare analytical credit memoranda which are accurate and insightful, which identify and examine all risks, analyze sources of repayment, cite policy exceptions, and evaluate collateral. Become subject matter expert. Maintain a thorough understanding of the credit culture and loan policy to inform, articulate, and advise of risk appetite and policy adherence and exceptions. Underwriters should be able to handle all loan types, including complex borrowers, with little to no direction, and should be able to negotiate structure with Commercial Bankers on underwriting assignments. Ensure loan agreements are complete and accurate according to loan approval. Support timely loan closing and funding activities. Manage loan portfolio to ensure conformity and servicing with approved terms and compliance with all loan documents. Be cognizant of any developing trends. Proactively work to identify weakness in loans to minimize the bank's exposure, reduce credit risk, and mitigate delinquency and loss. This includes an on-going understanding of any changes in the risk profile of all loans, monitoring borrowers' compliance to the loan documents, obtaining and reviewing any required documentation or reports in a timely fashion, monitoring loan payments, tracking covenant compliance, and performing periodic borrower reviews on a regular basis. Utilize designated authorities judiciously. Assist the Special Assets Department in the management of problem loans, supervision of Watch Loan plan execution, administration of non-accruals, and minimization of charge-offs. Remain current on market and industry issues, trends, regulatory pronouncements, and analytical techniques. Exercise time management and organizational skills. Responsible for assisting other Underwriters to aid in covering overflow. Adhere to Seacoast Bank's Code of Conduct. EDUCATION and/or EXPERIENCE: A bachelor's degree (BS or BA) degree or higher from a four year accredited institution with a major in finance, accounting, or business preferred. Minimum of ten years of relevant experience with commercial credit analysis, commercial lending, loan structuring, finance, underwriting, and portfolio management or equivalent. Competence may be demonstrated through one or a combination of the following: work experience, training, military experience, and/or education. Formal commercial credit training preferred. Ability to develop and sustain analytic and risk management skills while actively participating in the successful execution of complex transactions. Ability to apply sound judgment in the application of analytical conclusions to credit approval, loan structure, and management recommendations. Familiarity with various industries and commercial property types. Experience evaluating economic and market conditions in the markets or lines of business served. Experience analyzing collateral and collateral valuation. Knowledge of policies, procedures and operations of commercial lending including originations, underwriting, documentation, and credit risk analysis. Formal credit training preferred. The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities. #LI-PF1 Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

Are you ready to advance your career in a dynamic, industry-leading environment? Join NQM Funding, LLC, a top secondary market investor renowned for our expertise and innovation in the Non-QM space. We operate both wholesale and correspondent channels, backed by our strong partnership with a global investment management firm. At NQM Funding, LLC, we offer cutting-edge programs, exceptional service, and highly competitive pricing. By joining our team, you ll have the opportunity to work with a focused and passionate group of professionals who are committed to shaping the future of Non-QM lending. We offer an environment where your expertise is valued and your career aspirations can flourish. If you re looking for a place to grow and make a tangible impact in the industry, NQM Funding, LLC is the perfect fit for you. Apply now to be part of a company that s redefining excellence in Non-QM lending! Our TPO Underwriting Department is looking to hire a Non-QM Exception Desk Underwriter. ALL REMOTE POSITIONS REQUIRE A DOWNLOAD SPEED OF NO LESS THAN 100 MBPS. Job Title: Non-QM Exception Desk Underwriter Reports To: AVP Non-QM Credit Risk FLSA Status: Non-Exempt Department: TPO Underwriting Division: TPO Salary Range: $90K to $110K per year Summary: Responsible for reviewing exception requests, gathering sufficient compensating factors, and making recommendations to Credit Leadership on exception requests. In addition, the Exception Desk Underwriter may be asked to review various loan components such as entity vesting documents, Power of Attorneys and Trusts. Finally, the Exception Desk Underwriter may help to resolve post-closing underwriting related issues. Duties and Responsibilities: Review Exception Requests and ensure sufficient compensating factors are identified for exception consideration, ensuring the Exception Request form is accurately completed, and approving exception requests within authority and/or escalating for leadership review Working with sales and operations partners on viability of exception requests and providing guidance on how to best structure a loan to obtain an exception. Reviewing entity documents to ensure all documents are present and executed property to comply with guidelines. Review Power Of Attorney requests to ensure compliance with guidelines. Review Trust Documentation to ensure compliance with guidelines. Provide rebuttals to investor conditions. Assist in obtaining necessary documents from TPOs as needed to satisfy investor requirement. Respond to audits and post-closing issues in a timely manner Maintain working knowledge of Non-QM/TPO guidelines and policies. Performs other related duties as assigned. Skills: Math and critical thinking skills Strong Communication Skills Ability to apply a flexible approach when problem solving Financial analysis Ability to analyze complex Corporate Tax Returns Education/Experience: Degree: High School Diploma or Equivalent. 5+ years Non-QM underwriting experience required. NQM Funding, LLC offers the following benefits: Medical Plan Dental Plan Vision Plan GAP Insurance Life Insurance paid by the company Voluntary Life Insurance 401K Pet Insurance Legal Shield/ID Shield Equal Employment Opportunity: NQM Funding, LLC management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. NQM Funding, LLC will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. NQM Funding, LLC will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to NQM Funding, LLC.

Job Description Are you ready to advance your career in a dynamic, industry-leading environment? Join NQM Funding, LLC, a top secondary market investor renowned for our expertise and innovation in the Non-QM space. We operate both wholesale and correspondent channels, backed by our strong partnership with a global investment management firm. At NQM Funding, LLC, we offer cutting-edge programs, exceptional service, and highly competitive pricing. By joining our team, you'll have the opportunity to work with a focused and passionate group of professionals who are committed to shaping the future of Non-QM lending. We offer an environment where your expertise is valued and your career aspirations can flourish. If you're looking for a place to grow and make a tangible impact in the industry, NQM Funding, LLC is the perfect fit for you. Apply now to be part of a company that's redefining excellence in Non-QM lending! Our TPO Underwriting Department is looking to hire a Non-QM Exception Desk Underwriter. ALL REMOTE POSITIONS REQUIRE A DOWNLOAD SPEED OF NO LESS THAN 100 MBPS. Job Title: Non-QM Exception Desk Underwriter Reports To: AVP Non-QM Credit Risk FLSA Status: Non-Exempt Department: TPO Underwriting Division: TPO Salary Range: $90K to $110K per year Summary: Responsible for reviewing exception requests, gathering sufficient compensating factors, and making recommendations to Credit Leadership on exception requests. In addition, the Exception Desk Underwriter may be asked to review various loan components such as entity vesting documents, Power of Attorneys and Trusts. Finally, the Exception Desk Underwriter may help to resolve post-closing underwriting related issues. Duties and Responsibilities: Review Exception Requests and ensure sufficient compensating factors are identified for exception consideration, ensuring the Exception Request form is accurately completed, and approving exception requests within authority and/or escalating for leadership review Working with sales and operations partners on viability of exception requests and providing guidance on how to best structure a loan to obtain an exception. Reviewing entity documents to ensure all documents are present and executed property to comply with guidelines. Review Power Of Attorney requests to ensure compliance with guidelines. Review Trust Documentation to ensure compliance with guidelines. Provide rebuttals to investor conditions. Assist in obtaining necessary documents from TPOs as needed to satisfy investor requirement. Respond to audits and post-closing issues in a timely manner Maintain working knowledge of Non-QM/TPO guidelines and policies. Performs other related duties as assigned. Skills: Math and critical thinking skills Strong Communication Skills Ability to apply a flexible approach when problem solving Financial analysis Ability to analyze complex Corporate Tax Returns Education/Experience: Degree: High School Diploma or Equivalent. 5+ years Non-QM underwriting experience required. NQM Funding, LLC offers the following benefits: Medical Plan Dental Plan Vision Plan GAP Insurance Life Insurance paid by the company Voluntary Life Insurance 401K Pet Insurance Legal Shield/ID Shield Equal Employment Opportunity: NQM Funding, LLC management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. NQM Funding, LLC will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. NQM Funding, LLC will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to NQM Funding, LLC.

Our War & Terrorism insurance provides coverage for businesses against property damage and business interruptions caused by politically, religiously, or ideologically motivated attacks. As an Underwriter, you will assist the underwriting team in evaluating risks, servicing accounts, and contributing to the growth of our specialty portfolio. This is an excellent opportunity to develop expertise in a niche product line and build strong relationships with brokers. Depending on your experience, we will consider candidates for either the Underwriter or Senior Underwriter level. Role Responsibilities: * Risk Selection: Review, rate, underwrite, evaluate, and assess businesses applying for insurance. This includes qualifying accounts, identifying and assessing risks, determining premiums, establishing policy terms and conditions, obtaining approvals, creating and presenting proposals to agents/brokers, and successfully negotiating deals. * Agent/Broker Relationships: Establish, develop, and maintain successful relationships with agents and brokers to facilitate the marketing of products and services. Provide stewardship with service partners, including initial setup of service commitments and regular visits. * Personal Branding: Develop a strong personal brand to build and maintain a quality pipeline with agents and brokers. * Portfolio Management: Manage a book of business by analyzing the portfolio, identifying opportunities for growth, profit, and diversification, and executing marketing plans to increase market share with preferred brokers. * Documenting the Deal: Document files clearly to reflect a solid thought process and decision-making through comprehensive account reviews, sign-offs, and referrals that comply with state regulations, letters of authority, and underwriting guidelines. Qualifications A degree in Business or a related field is typically required. Candidates should have at least 1 year (preferably 1.5 or more years) of underwriting experience or related business experience. Active pursuit of professional insurance designations is encouraged. The ideal candidate will have the ability to develop and maintain effective internal and external relationships. Strong analytical skills to evaluate underwriting risks within defined authority are essential. Effective communication and interpersonal skills are required to successfully develop and maintain productive relationships with producers and customers. About Us Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve. We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: *********************** Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law. Fair Chance Notices * California * Los Angeles Incorporated * Los Angeles Unincorporated * Philadelphia * San Francisco

About Us At Biz2Credit, we look for individuals who are ready to join a dynamic and innovative fintech company on a mission to change the lending landscape for small businesses. Our values of Collaboration, Responsibility, Empowerment, Disruption, Innovation, and Trust guide everything we do, and our purpose of helping small businesses succeed drives us forward. As a company, we believe that with the right tools and support, small business owners can achieve their dreams, and we're here to make that happen. That's why we're dedicated to developing cutting-edge solutions, like our Biz2X platform, a fully configurable SaaS solution that leverages artificial intelligence and machine learning to make lending more efficient, effective, and accessible. But we're more than just another FinTech company. We're a team of individuals who bring their unique personalities, backgrounds, and experiences to work every day. We believe that diversity makes us stronger, and that's why we value a culture that is inclusive and supportive. We're looking for people who are excited about the opportunity to make a difference, who want to work in an environment that is both challenging and fun, and who are eager to bring their whole selves to work. So, if you're someone who is eager to join a company that is making a real impact, who values a positive and inclusive workplace culture, and who is ready to be a part of a team that is changing the lending landscape, we want to hear from you. Come join us and be a part of something truly special at Biz2Credit. About the Role As an Underwriter at Biz2Credit, you will play a vital role in evaluating loan applications and assisting with the underwriting process. We are currently seeking an experienced Mid Level Underwriter to join our team at the NY Office. In this role, you will be responsible for performing comprehensive financial analysis on small businesses, including trend and ratio analysis. Your expertise will be crucial in interpreting financial information to assess credit quality and cash flow, enabling us to make informed lending decisions. Responsibilities * Review loan applications and supporting documentation to determine eligibility and creditworthiness of borrowers. * Analyze financial statements, credit reports, tax returns, and other relevant data to assess risk and make informed lending decisions. * Conduct comprehensive due diligence and verify accuracy of information provided by applicants. * Responsible for full cycle underwriting of assigned small business financing. * Collaborate with the Underwriting team to identify potential red flags and mitigate risk. * Stay updated with industry trends, regulations, and underwriting guidelines to ensure compliance. * Communicate effectively with internal stakeholders, including Relationship Managers, to gather necessary information and clarify requirements. * Maintain accurate and detailed documentation of underwriting decisions and findings. Requirements * Bachelor's degree preferred but not mandatory in finance, accounting, or a related field * Previous experience in underwriting, credit analysis, or a similar role is preferred. * 3 or more year of experience * Strong analytical skills with the ability to interpret complex financial data and make informed decisions. * Familiarity with financial statements, tax returns, and credit reports. * Knowledge of underwriting principles, lending regulations, and risk assessment methodologies. * Excellent attention to detail and the ability to work in a fast-paced environment. * Strong organizational and time management skills, with the ability to prioritize tasks effectively. * Excellent written and verbal communication skills. * Proficient in using MS Office suite and other relevant software applications. Why Join Us Opportunity to work in a fast-growing and innovative fintech company. Exposure to a diverse range of clients and industries. Collaborative and inclusive work environment. Competitive salary and benefits package. Continuous learning and professional development opportunities. Opportunity for growth and advancement within the company. Benefits & Perks Generous medical, dental, and vision insurance. 401K match, stock options, commuter benefits, and employee incentive plan. Catered lunch and team events. In the News Named to Deloitte Technology Fast 500. Inc 5000 - fastest growing private companies in 2022. Crain's New York Fast 50. Great Place to Work Certified. Salary Range $70k-$85k

ABOUT US: HGreg is one of the fastest growing automotive groups in North America. Founded in 1993, HGreg operates 31 new and used dealerships throughout the United States and Canada, and plans to continue expansion in the U.S. SUMMARY: The Auto Underwriter is responsible for facilitating the submission of credit applications to HGreg's preferred lenders with the aim of obtaining approval for car purchases. This position involves analyzing credit data, financial statements, income documents, proof of residency, and other pertinent documents of individuals to assess the level of risk involved in extending credit and securing loan approval. ESSENTIAL DUTIES: Submit credit applications to HGreg's preferred lenders to obtain approvals for car purchases. Analyze credit data, financial statements, income documents, proof of residency, and other relevant documents to determine the level of risk involved in extending credit. Review credit reports and ensure the accuracy of the information. Communicate with lenders, customers, and other departments to facilitate timely and efficient processing of credit applications. Maintain accurate records of credit applications, approvals, and rejections. Provide guidance and assistance to customers regarding credit requirements and loan options. Stay up-to-date with lending regulations and credit policies to ensure compliance. Collaborate with team members to optimize the credit application process and improve customer experience. Adhere to established performance metrics and goals. Possess basic knowledge of computers and programs such as Microsoft Office applications, Dealer socket, DealerTrack, Google applications and Reynolds. SCHEDULE: 5 days a week including weekends 2 days off. PAY: Salary plus commission up to $ 150,000.00 EXPERIENCE DESIRED: Minimum of three (3) years current Auto Credit experience with background in loan processing is preferred. Demonstrates analytical thinking - analyzes information, identifies key issues and draws logical conclusions Strategic thinker - identifies opportunities to achieve goals while anticipating impacts and consequences to the business Must be able to work independently in a fast-paced, goal-oriented environment LICENSE: Must maintain a valid in-state Driver's License and be considered insurable with the dealerships insurance policy. WHAT WE OFFER: Dental insurance 401(K) Health insurance Vision insurance Paid Time Off Paid Group Term Life Insurance Paid Training to promote professional growth Employee Assistance Program (EAP) Supplemental Personal Accident Insurance PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Sit and/or stand interchangeably throughout the day. Sit and/or stand for long periods at a time. Use hands, fingers and arms continually, frequently and throughout the day. Bend, crouch, crawl, stoop and kneel continually, frequently and throughout the day. Operate and drive vehicles or equipment in a safe manner. 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. Reasonable accommodation will be made to enable individuals with disabilities to perform the essential functions.

Are you ready to advance your career in a dynamic industry leading environment Join NQM Funding LLC a top secondary market investor renowned for our expertise and innovation in the Non QM space We operate both wholesale and correspondent channels backed by our strong partnership with a global investment management firm At NQM Funding LLC we offer cutting edge programs exceptional service and highly competitive pricing By joining our team youll have the opportunity to work with a focused and passionate group of professionals who are committed to shaping the future of Non QM lending We offer an environment where your expertise is valued and your career aspirations can flourish If youre looking for a place to grow and make a tangible impact in the industry NQM Funding LLC is the perfect fit for you Apply now to be part of a company thats redefining excellence in Non QM lending Our TPO Underwriting Department is looking to hire a Non QM Exception Desk Underwriter ALL REMOTE POSITIONS REQUIRE A DOWNLOAD SPEED OF NO LESS THAN 100 MBPS Job Title Non QM Exception Desk Underwriter Reports To AVP Non QM Credit Risk FLSA Status Non Exempt Department TPO Underwriting Division TPO Salary Range 90K to 110K per year Summary Responsible for reviewing exception requests gathering sufficient compensating factors and making recommendations to Credit Leadership on exception requests In addition the Exception Desk Underwriter may be asked to review various loan components such as entity vesting documents Power of Attorneys and Trusts Finally the Exception Desk Underwriter may help to resolve post closing underwriting related issues Duties and Responsibilities Review Exception Requests and ensure sufficient compensating factors are identified for exception consideration ensuring the Exception Request form is accurately completed and approving exception requests within authority andor escalating for leadership review Working with sales and operations partners on viability of exception requests and providing guidance on how to best structure a loan to obtain an exception Reviewing entity documents to ensure all documents are present and executed property to comply with guidelines Review Power Of Attorney requests to ensure compliance with guidelines Review Trust Documentation to ensure compliance with guidelines Provide rebuttals to investor conditions Assist in obtaining necessary documents from TPOs as needed to satisfy investor requirement Respond to audits and post closing issues in a timely manner Maintain working knowledge of Non QMTPO guidelines and policies Performs other related duties as assigned Skills Math and critical thinking skills Strong Communication SkillsAbility to apply a flexible approach when problem solving Financial analysis Ability to analyze complex Corporate Tax ReturnsEducationExperience Degree High School Diploma or Equivalent 5 years Non QM underwriting experience required NQM Funding LLC offers the following benefits Medical PlanDental PlanVision PlanGAP InsuranceLife Insurance paid by the company Voluntary Life Insurance 401K Pet InsuranceLegal ShieldID ShieldEqual Employment Opportunity NQM Funding LLC management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race color creed age sex gender gender identity gender expression religion national origin ancestry marital status military or veteran status or obligation the presence of a physical andor mental disability or medical condition genetic information sexual orientation and all statuses protected by applicable state or local law in all recruiting hiring training compensation overtime position classifications work assignments facilities promotions transfers employee treatment and in all other terms and conditions of employment NQM Funding LLC will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same NQM Funding LLC will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to NQM Funding LLC

About the role Looking for a career with growth potential in a thriving, fast-paced industry? Dynagen Lending is expanding, and we're seeking a Mortgage Loan Officer Assistant to help us deliver exceptional service to our clients. This is an entry level sales position that does not require previous mortgage experience! This is your chance to build a rewarding career with a company that values its people and promotes from within. Comprehensive Paid Training to Set You Up for Success We believe that your success is our success-which is why we offer fully paid, hands-on training to get you up to speed and confident in your role. Expert-Led Learning: You'll receive personalized instruction from experienced mortgage professionals who will guide you through every step of the process. Real-World Scenarios: Our training includes practical, on-the-job exercises, so you'll gain firsthand experience with the systems, tools, and processes you'll use every day. Continuous Support: You won't be thrown into the deep end-we'll be with you every step of the way, offering mentorship and support as you learn and grow. Skill Development: From mastering loan applications to understanding compliance regulations, you'll develop a well-rounded skill set that will prepare you for long-term success. Our goal is to empower you with the knowledge and confidence you need to excel-while earning a paycheck from day one! What you'll do Support Loan Officers by gathering and reviewing client documents. Communicate with clients, underwriters, and processors to keep loans on track. Maintain accurate records and update loan files. Deliver outstanding customer service and follow up on applications. Ensure all lending processes comply with regulations and company policies. Qualifications Previous Sales Experience Strong organizational skills and sharp attention to detail. Excellent communication and customer service skills. Willingness to learn and be responsive to feedback Availability: Monday through Friday, 9 AM - 6 PM, with two late nights until 9 PM. What We Offer Competitive pay based on experience. Health, dental, and vision insurance after 90 days. 401(k) with company match. Opportunities for career growth in a rapidly expanding company. Supportive and collaborative work environment.

Job Description Lendz Financial offers a full-service direct wholesale residential mortgage lending platform, focused on helping mortgage brokers grow their loan origination volume with simplified processes and intuitive, tech-based solutions. We emphasize a modern, customer-centric approach, offering competitive rates, a diverse range of products, and rapid turnaround times. Committed to delivering a world-class experience for our broker partners, we streamline the lending process to ensure a smooth journey from application to closing. Our core values-Thrive Together, Act Like an Owner, and Exceed Expectations-cultivate a collaborative, high-performance culture that drives our pursuit to become the undeniable leader in mortgage lending. Lendz is proud to be certified as a Great Place to Work! Lendz Financial offers a full-service direct wholesale residential mortgage lending platform, built to help mortgage brokers grow their businesses through simplified processes, intuitive technology, and a modern, customer-first approach. We provide competitive rates, a diverse Non-QM product suite, and fast turnaround times-backed by a collaborative, high-performance culture. Our core values-Thrive Together, Act Like an Owner, and Exceed Expectations-guide how we work, how we lead, and how we support one another. Lendz is proud to be certified as a Great Place to Work, and we're committed to developing talent that grows with us. About the Role Lendz Financial is seeking a motivated and detail-oriented Non-QM Underwriter to join our growing operations team. This role is ideal for an underwriter with a strong foundation in mortgage credit who is eager to deepen their Non-QM expertise and grow within a supportive, high-accountability environment. You'll underwrite complex loan files across Non-QM programs such as Bank Statement, DSCR, Asset Utilization, and 1099 income, while partnering closely with Sales, Account Managers, and Operations to deliver thoughtful, well-supported underwriting decisions. This is a fully remote position with clear performance expectations, ongoing coaching, and opportunities for professional growth. What You'll Do Underwrite residential mortgage loan applications in compliance with company, investor, and regulatory guidelines Analyze borrower credit, assets, and income, including complex income scenarios such as: Self-employed borrowers 1099 income Bank Statement programs Asset depletion and utilization Review and evaluate personal and business documentation, including 12- and 24-month bank statements, P&Ls, and cash flow statements Maintain an underwriting pipeline that meets established SLAs and productivity benchmarks Deliver clear, well-documented underwriting decisions and conditions aligned with program guidelines Provide written justification for loan decisions and required conditions Partner with Loan Officers, Account Managers, and Operations to resolve file-level questions and move loans efficiently toward closing Support quality control standards, including: Pre-closing defect rate below 10% Post-closing defect rate below 5% Stay current on Non-QM guideline updates, investor overlays, and regulatory requirements Contribute to a collaborative team environment focused on continuous improvement and shared success What We're Looking For 2-5 years of mortgage underwriting experience, including exposure to Non-QM or alternative documentation loans Working knowledge of Non-QM products such as: Bank Statement programs DSCR Asset Utilization 1099 income Strong analytical skills with the ability to evaluate complex borrower profiles Clear, professional written and verbal communication skills A coachable mindset with a desire to learn, grow, and evolve within the role Strong time management skills and the ability to prioritize in a fast-paced environment Sound judgment, attention to detail, and a high level of accountability What We Offer Highly subsidized medical insurance Low-cost dental and vision insurance 401(k) program Health Savings Account (HSA) Generous paid time off and company holidays Ongoing training, mentorship, and professional development opportunities A collaborative, supportive work environment that values ownership and growth

Job DescriptionBenefits: 401(k) Flexible schedule Opportunity for advancement GoldenTrust Insurance is one of South Floridas fastest-growing agencies, known for delivering trusted insurance solutions with professionalism, transparency, and care. We are expanding our team and seeking a detail-oriented and analytical Insurance Underwriter Agent to join our high-performing operation. This role is ideal for licensed professionals who thrive on evaluating risk, making informed decisions, and supporting the agency's production goals by ensuring quality and compliance. As an Insurance Underwriter Agent, you will be responsible for assessing risks, reviewing applications, ensuring compliance with underwriting guidelines, and collaborating with sales agents to issue accurate and timely quotes and policies. Your insight will be essential in maintaining the integrity of our portfolio while supporting the agencys growth. Required Qualifications Valid Florida 4-40 or 2-20 Insurance License (Required) Minimum 1 year of experience in insurance underwriting or insurance sales Strong analytical and decision-making skills High attention to detail and accuracy in documentation Effective communication skills, both written and verbal Bilingual (English/Spanish) preferred Familiarity with various carrier portals and underwriting platforms Responsibilities Review and evaluate new insurance applications in line with carrier guidelines Analyze inspection reports, and other documents to determine risk acceptability Ensure underwriting decisions comply with the Insurance Companys Guidelines Work closely with the sales team to clarify underwriting requirements and support timely policy issuance Monitor active policies for risk exposure and recommend appropriate action Maintain accurate and organized records of underwriting activities Stay current with industry trends, carrier changes, and market dynamics Why Join GoldenTrust Insurance? Supportive, collaborative team culture Opportunities for professional growth and advancement Access to top-tier training and carrier resources Competitive compensation structure with potential performance incentives Compensation & Benefits Base Pay: $16$17 per hour (commensurate with experience) Paid Time Off and Flexible Scheduling 401(k) Retirement Plan Professional development and continuing education support

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. Underwriter Specialist provides cursory analytical support for Consumer/Portfolio Mortgage underwriting groups including spreading and preliminary analysis of existing customers and prospects. ESSENTIAL DUTIES AND RESPONSIBILITIES * Ensures the consumer loan application information provided is accurate and complete * Performs credit analysis and makes credit decisions within authority limits * Ensures accuracy of any preliminary analysis presented * Reviews and analyzes applicable ratios (i.e., DTI, PTI, & LTV) * Reviews proof of income and financial statement documentation when required by policy * Provides financial statement spreading on loan request when necessary * Contacts bankers to gather information to make appropriate decisions and explains loan decision * Performs other duties as assigned Requirements * Bachelor (4-year college) degree and 5+ years of experience or equivalent combination of education and experience * Microsoft Office suite 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

A leading insurance brokerage firm is seeking an Underwriter/Broker in New York to foster revenue growth through efficient underwriting services and building relationships with Retail Agents and Specialty Carriers. The ideal candidate will have a Bachelor's degree and at least 3 years of relevant experience. Responsibilities include business development, analyzing submissions, and ensuring competitive market access. We offer a competitive salary and comprehensive benefits, including medical coverage and flexible work hours. #J-18808-Ljbffr

Commercial Underwriters support the revenue growth and asset quality of the commercial lending line of business by participating in new client relationship development activities, functioning as part of the lending partnership, monitoring existing client relationships, and managing credit risk to ensure that loans are quality assets and well-structured so as to mitigate portfolio risk. Understand the nature of the businesses and industries which the line of business serves. Promote and support the loan policies, credit culture, and strategic initiatives of the bank. Examine, evaluate, authorize, or recommend approval of customer applications for commercial loans. Effectively manage a commercial loan portfolio. Underwriters will utilize strong analytical skills, high-level understanding of business finance, and extensive knowledge to propose and provide solutions to meet customer needs. ESSENTIAL DUTIES AND RESPONSIBILITIES: Analyze the financial information on existing and potential customers to assess the borrower's and guarantor's financial condition and ability to repay a loan request, perform periodic or annual reviews and covenant tests, or a loan modification. Investigate all available sources of credit and financial information including reporting services, credit bureaus, and other companies for trade references. Understand the market(s) and industry in which the customer does business. Assess the collateral pledged as security. Meet with and/or call borrower and accountants. Prepare and present financial information, industry data, economic influences, and other market information in the required format and analyze in detail for trends, ratios, cash flow, etc. Prepare analytical credit memoranda which are accurate and insightful, which identify and examine all risks, analyze sources of repayment, cite policy exceptions, and evaluate collateral. Become subject matter expert. Maintain a thorough understanding of the credit culture and loan policy to inform, articulate, and advise of risk appetite and policy adherence and exceptions. Underwriters should be able to handle all loan types, including complex borrowers, with little to no direction, and should be able to negotiate structure with Commercial Bankers on underwriting assignments. Ensure loan agreements are complete and accurate according to loan approval. Support timely loan closing and funding activities. Manage loan portfolio to ensure conformity and servicing with approved terms and compliance with all loan documents. Be cognizant of any developing trends. Proactively work to identify weakness in loans to minimize the bank's exposure, reduce credit risk, and mitigate delinquency and loss. This includes an on-going understanding of any changes in the risk profile of all loans, monitoring borrowers' compliance to the loan documents, obtaining and reviewing any required documentation or reports in a timely fashion, monitoring loan payments, tracking covenant compliance, and performing periodic borrower reviews on a regular basis. Utilize designated authorities judiciously. Assist the Special Assets Department in the management of problem loans, supervision of Watch Loan plan execution, administration of non-accruals, and minimization of charge-offs. Remain current on market and industry issues, trends, regulatory pronouncements, and analytical techniques. Exercise time management and organizational skills. Responsible for assisting other Underwriters to aid in covering overflow. Adhere to Seacoast Bank's Code of Conduct. EDUCATION and/or EXPERIENCE: A bachelor's degree (BS or BA) degree or higher from a four year accredited institution with a major in finance, accounting, or business preferred. Minimum of ten years of relevant experience with commercial credit analysis, commercial lending, loan structuring, finance, underwriting, and portfolio management or equivalent. Competence may be demonstrated through one or a combination of the following: work experience, training, military experience, and/or education. Formal commercial credit training preferred. Ability to develop and sustain analytic and risk management skills while actively participating in the successful execution of complex transactions. Ability to apply sound judgment in the application of analytical conclusions to credit approval, loan structure, and management recommendations. Familiarity with various industries and commercial property types. Experience evaluating economic and market conditions in the markets or lines of business served. Experience analyzing collateral and collateral valuation. Knowledge of policies, procedures and operations of commercial lending including originations, underwriting, documentation, and credit risk analysis. Formal credit training preferred. The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities. #LI-PF1 Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

Our War & Terrorism insurance provides coverage for businesses against property damage and business interruptions caused by politically, religiously, or ideologically motivated attacks. As an Underwriter, you will assist the underwriting team in evaluating risks, servicing accounts, and contributing to the growth of our specialty portfolio. This is an excellent opportunity to develop expertise in a niche product line and build strong relationships with brokers. Depending on your experience, we will consider candidates for either the Underwriter or Senior Underwriter level. Role Responsibilities: Risk Selection: Review, rate, underwrite, evaluate, and assess businesses applying for insurance. This includes qualifying accounts, identifying and assessing risks, determining premiums, establishing policy terms and conditions, obtaining approvals, creating and presenting proposals to agents/brokers, and successfully negotiating deals. Agent/Broker Relationships: Establish, develop, and maintain successful relationships with agents and brokers to facilitate the marketing of products and services. Provide stewardship with service partners, including initial setup of service commitments and regular visits. Personal Branding: Develop a strong personal brand to build and maintain a quality pipeline with agents and brokers. Portfolio Management: Manage a book of business by analyzing the portfolio, identifying opportunities for growth, profit, and diversification, and executing marketing plans to increase market share with preferred brokers. Documenting the Deal: Document files clearly to reflect a solid thought process and decision-making through comprehensive account reviews, sign-offs, and referrals that comply with state regulations, letters of authority, and underwriting guidelines. Qualifications A degree in Business or a related field is typically required. Candidates should have at least 1 year (preferably 1.5 or more years) of underwriting experience or related business experience. Active pursuit of professional insurance designations is encouraged. The ideal candidate will have the ability to develop and maintain effective internal and external relationships. Strong analytical skills to evaluate underwriting risks within defined authority are essential. Effective communication and interpersonal skills are required to successfully develop and maintain productive relationships with producers and customers. About Us Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve. We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: *********************** Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law. Fair Chance Notices California Los Angeles Incorporated Los Angeles Unincorporated Philadelphia San Francisco We can recommend jobs specifically for you! Click here to get started.

About Us At Biz2Credit, we look for individuals who are ready to join a dynamic and innovative fintech company on a mission to change the lending landscape for small businesses. Our values of Collaboration, Responsibility, Empowerment, Disruption, Innovation, and Trust guide everything we do, and our purpose of helping small businesses succeed drives us forward. As a company, we believe that with the right tools and support, small business owners can achieve their dreams, and we're here to make that happen. That's why we're dedicated to developing cutting-edge solutions, like our Biz2X platform, a fully configurable SaaS solution that leverages artificial intelligence and machine learning to make lending more efficient, effective, and accessible. But we're more than just another FinTech company. We're a team of individuals who bring their unique personalities, backgrounds, and experiences to work every day. We believe that diversity makes us stronger, and that's why we value a culture that is inclusive and supportive. We're looking for people who are excited about the opportunity to make a difference, who want to work in an environment that is both challenging and fun, and who are eager to bring their whole selves to work. So, if you're someone who is eager to join a company that is making a real impact, who values a positive and inclusive workplace culture, and who is ready to be a part of a team that is changing the lending landscape, we want to hear from you. Come join us and be a part of something truly special at Biz2Credit. About the Role As an Underwriter at Biz2Credit, you will play a vital role in evaluating loan applications and assisting with the underwriting process. We are currently seeking an experienced Mid Level Underwriter to join our team at the NY Office. In this role, you will be responsible for performing comprehensive financial analysis on small businesses, including trend and ratio analysis. Your expertise will be crucial in interpreting financial information to assess credit quality and cash flow, enabling us to make informed lending decisions. Responsibilities Review loan applications and supporting documentation to determine eligibility and creditworthiness of borrowers. Analyze financial statements, credit reports, tax returns, and other relevant data to assess risk and make informed lending decisions. Conduct comprehensive due diligence and verify accuracy of information provided by applicants. Responsible for full cycle underwriting of assigned small business financing. Collaborate with the Underwriting team to identify potential red flags and mitigate risk. Stay updated with industry trends, regulations, and underwriting guidelines to ensure compliance. Communicate effectively with internal stakeholders, including Relationship Managers, to gather necessary information and clarify requirements. Maintain accurate and detailed documentation of underwriting decisions and findings. Requirements Bachelor's degree preferred but not mandatory in finance, accounting, or a related field Previous experience in underwriting, credit analysis, or a similar role is preferred. 3 or more year of experience Strong analytical skills with the ability to interpret complex financial data and make informed decisions. Familiarity with financial statements, tax returns, and credit reports. Knowledge of underwriting principles, lending regulations, and risk assessment methodologies. Excellent attention to detail and the ability to work in a fast-paced environment. Strong organizational and time management skills, with the ability to prioritize tasks effectively. Excellent written and verbal communication skills. Proficient in using MS Office suite and other relevant software applications. Why Join Us Opportunity to work in a fast-growing and innovative fintech company. Exposure to a diverse range of clients and industries. Collaborative and inclusive work environment. Competitive salary and benefits package. Continuous learning and professional development opportunities. Opportunity for growth and advancement within the company. Benefits & Perks Generous medical, dental, and vision insurance. 401K match, stock options, commuter benefits, and employee incentive plan. Catered lunch and team events. In the News Named to Deloitte Technology Fast 500. Inc 5000 - fastest growing private companies in 2022. Crain's New York Fast 50. Great Place to Work Certified. Salary Range $70k-$85k

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. Underwriter Specialist provides cursory analytical support for Consumer/Portfolio Mortgage underwriting groups including spreading and preliminary analysis of existing customers and prospects. ESSENTIAL DUTIES AND RESPONSIBILITIES * Ensures the consumer loan application information provided is accurate and complete * Performs credit analysis and makes credit decisions within authority limits * Ensures accuracy of any preliminary analysis presented * Reviews and analyzes applicable ratios (i.e., DTI, PTI, & LTV) * Reviews proof of income and financial statement documentation when required by policy * Provides financial statement spreading on loan request when necessary * Contacts bankers to gather information to make appropriate decisions and explains loan decision * Performs other duties as assigned Requirements * Bachelor (4-year college) degree and 5+ years of experience or equivalent combination of education and experience * Microsoft Office suite 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

Commercial Underwriters support the revenue growth and asset quality of the commercial lending line of business by participating in new client relationship development activities, functioning as part of the lending partnership, monitoring existing client relationships, and managing credit risk to ensure that loans are quality assets and well-structured so as to mitigate portfolio risk. Understand the nature of the businesses and industries which the line of business serves. Promote and support the loan policies, credit culture, and strategic initiatives of the bank. Examine, evaluate, authorize, or recommend approval of customer applications for commercial loans. Effectively manage a commercial loan portfolio. Underwriters will utilize strong analytical skills, high-level understanding of business finance, and extensive knowledge to propose and provide solutions to meet customer needs. ESSENTIAL DUTIES AND RESPONSIBILITIES: Analyze the financial information on existing and potential customers to assess the borrower's and guarantor's financial condition and ability to repay a loan request, perform periodic or annual reviews and covenant tests, or a loan modification. Investigate all available sources of credit and financial information including reporting services, credit bureaus, and other companies for trade references. Understand the market(s) and industry in which the customer does business. Assess the collateral pledged as security. Meet with and/or call borrower and accountants. Prepare and present financial information, industry data, economic influences, and other market information in the required format and analyze in detail for trends, ratios, cash flow, etc. Prepare analytical credit memoranda which are accurate and insightful, which identify and examine all risks, analyze sources of repayment, cite policy exceptions, and evaluate collateral. Become subject matter expert. Maintain a thorough understanding of the credit culture and loan policy to inform, articulate, and advise of risk appetite and policy adherence and exceptions. Underwriters should be able to handle all loan types, including complex borrowers, with little to no direction, and should be able to negotiate structure with Commercial Bankers on underwriting assignments. Ensure loan agreements are complete and accurate according to loan approval. Support timely loan closing and funding activities. Manage loan portfolio to ensure conformity and servicing with approved terms and compliance with all loan documents. Be cognizant of any developing trends. Proactively work to identify weakness in loans to minimize the bank's exposure, reduce credit risk, and mitigate delinquency and loss. This includes an on-going understanding of any changes in the risk profile of all loans, monitoring borrowers' compliance to the loan documents, obtaining and reviewing any required documentation or reports in a timely fashion, monitoring loan payments, tracking covenant compliance, and performing periodic borrower reviews on a regular basis. Utilize designated authorities judiciously. Assist the Special Assets Department in the management of problem loans, supervision of Watch Loan plan execution, administration of non-accruals, and minimization of charge-offs. Remain current on market and industry issues, trends, regulatory pronouncements, and analytical techniques. Exercise time management and organizational skills. Responsible for assisting other Underwriters to aid in covering overflow. Adhere to Seacoast Bank's Code of Conduct. EDUCATION and/or EXPERIENCE: A bachelor's degree (BS or BA) degree or higher from a four year accredited institution with a major in finance, accounting, or business preferred. Minimum of ten years of relevant experience with commercial credit analysis, commercial lending, loan structuring, finance, underwriting, and portfolio management or equivalent. Competence may be demonstrated through one or a combination of the following: work experience, training, military experience, and/or education. Formal commercial credit training preferred. Ability to develop and sustain analytic and risk management skills while actively participating in the successful execution of complex transactions. Ability to apply sound judgment in the application of analytical conclusions to credit approval, loan structure, and management recommendations. Familiarity with various industries and commercial property types. Experience evaluating economic and market conditions in the markets or lines of business served. Experience analyzing collateral and collateral valuation. Knowledge of policies, procedures and operations of commercial lending including originations, underwriting, documentation, and credit risk analysis. Formal credit training preferred. The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities. #LI-PF1 Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

Job DescriptionDescription: About Us At Biz2Credit, we look for individuals who are ready to join a dynamic and innovative fintech company on a mission to change the lending landscape for small businesses. Our values of Collaboration, Responsibility, Empowerment, Disruption, Innovation, and Trust guide everything we do, and our purpose of helping small businesses succeed drives us forward. As a company, we believe that with the right tools and support, small business owners can achieve their dreams, and we're here to make that happen. That's why we're dedicated to developing cutting-edge solutions, like our Biz2X platform, a fully configurable SaaS solution that leverages artificial intelligence and machine learning to make lending more efficient, effective, and accessible. But we're more than just another FinTech company. We're a team of individuals who bring their unique personalities, backgrounds, and experiences to work every day. We believe that diversity makes us stronger, and that's why we value a culture that is inclusive and supportive. We're looking for people who are excited about the opportunity to make a difference, who want to work in an environment that is both challenging and fun, and who are eager to bring their whole selves to work. So, if you're someone who is eager to join a company that is making a real impact, who values a positive and inclusive workplace culture, and who is ready to be a part of a team that is changing the lending landscape, we want to hear from you. Come join us and be a part of something truly special at Biz2Credit. About the Role As an Underwriter at Biz2Credit, you will play a vital role in evaluating loan applications and assisting with the underwriting process. We are currently seeking an experienced Mid Level Underwriter to join our team at the NY Office. In this role, you will be responsible for performing comprehensive financial analysis on small businesses, including trend and ratio analysis. Your expertise will be crucial in interpreting financial information to assess credit quality and cash flow, enabling us to make informed lending decisions. Responsibilities Review loan applications and supporting documentation to determine eligibility and creditworthiness of borrowers. Analyze financial statements, credit reports, tax returns, and other relevant data to assess risk and make informed lending decisions. Conduct comprehensive due diligence and verify accuracy of information provided by applicants. Responsible for full cycle underwriting of assigned small business financing. Collaborate with the Underwriting team to identify potential red flags and mitigate risk. Stay updated with industry trends, regulations, and underwriting guidelines to ensure compliance. Communicate effectively with internal stakeholders, including Relationship Managers, to gather necessary information and clarify requirements. Maintain accurate and detailed documentation of underwriting decisions and findings. Requirements: Bachelor's degree preferred but not mandatory in finance, accounting, or a related field Previous experience in underwriting, credit analysis, or a similar role is preferred. 3 or more year of experience Strong analytical skills with the ability to interpret complex financial data and make informed decisions. Familiarity with financial statements, tax returns, and credit reports. Knowledge of underwriting principles, lending regulations, and risk assessment methodologies. Excellent attention to detail and the ability to work in a fast-paced environment. Strong organizational and time management skills, with the ability to prioritize tasks effectively. Excellent written and verbal communication skills. Proficient in using MS Office suite and other relevant software applications. Why Join Us Opportunity to work in a fast-growing and innovative fintech company. Exposure to a diverse range of clients and industries. Collaborative and inclusive work environment. Competitive salary and benefits package. Continuous learning and professional development opportunities. Opportunity for growth and advancement within the company. Benefits & Perks Generous medical, dental, and vision insurance. 401K match, stock options, commuter benefits, and employee incentive plan. Catered lunch and team events. In the News Named to Deloitte Technology Fast 500. Inc 5000 - fastest growing private companies in 2022. Crain's New York Fast 50. Great Place to Work Certified. Salary Range $70k-$85k