Market Underwriter
Underwriter job in Boise, ID
This job serves as the single-point-of-contact for sales teams and assigned customers, delivering insights and recommendations to sales in order to aid customer acquisition/retention while maintaining performance goals. This incumbent will collaborate with cross functional team members on client-level quotes and function as a trusted adviser by providing financial and risk management support to sales as well as strategic insight.
**ESSENTIAL RESPONSIBILITIES**
+ Understand department and the company'sstrategic goals and competitive position and drives client-level results towards these ends. Actively work with Sales team to manage portfolio of clients towards financial and business targets, e.g. membership, revenue, margin, etc.
+ Proactively draw insights from quote details, client understanding and regional insights to deliver best-possible recommendation to Sales. State and maintain independent perspective, including under pressure from more senior individuals, identifying opportunities and concerns.
+ Responsible for portfolio of clients through underwriting engagement, from identification through documentation of final sold-contract details
+ Assess risk by looking at various risk measures such as risk scores, demographic analysis, and turnover considerations.
+ Serve as the accountable owner for all quotes delivered to sales partners. Develop a perspective on each client package deliverable. Clearly and confidently communicates Underwriting's position on the risk profile of each client
+ Identify tool improvement needs and communicates needs to Product Development teams
+ Maintain accurate book management details including concession budget
+ Other duties as assigned or requested.
**Required**
+ Bachelor's Degree in Science, Technology, Mathematics or related field
**Substitutions**
+ Six (6) years additional experience required in lieu of degree
**Preferred**
+ None
**EXPERIENCE**
**Required**
+ 3 years of Health Care Underwriting OR risk mgmt OR actuary work OR applying advanced mathematics
to include
+ 1 years of external client interaction or comparable external interactions
**Preferred**
+ 1 year in Risk Management **OR** of Actuary work **OR** of applying Advanced Mathematics
**LICENSES or CERTIFICATIONS**
**Required**
+ None
**Preferred**
+ None
**SKILLS**
+ Understanding of health products, services, risk assessment and techniques
+ Consultative mindset
+ Strong Oral and Written Communications skills
**Language (Other than English):**
None
**Travel Requirement:**
0% - 25%
**PHYSICAL, MENTAL DEMANDS and WORKING CONDITIONS**
**Position Type**
Office-based
Teaches / trains others regularly
Rarely
Travel regularly from the office to various work sites or from site-to-site
Occasionally
Works primarily out-of-the office selling products/services (sales employees)
Never
Physical work site required
Yes
Lifting: up to 10 pounds
Constantly
Lifting: 10 to 25 pounds
Rarely
Lifting: 25 to 50 pounds
Never
**_Disclaimer:_** _The job description has been designed to indicate the general nature and essential duties and responsibilities of work performed by employees within this job title. It may not contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees to do this job._
**_Compliance Requirement_** _: This job adheres to the ethical and legal standards and behavioral expectations as set forth in the code of business conduct and company policies._
_As a component of job responsibilities, employees may have access to covered information, cardholder data, or other confidential customer information that must be protected at all times. In connection with this, all employees must comply with both the Health Insurance Portability Accountability Act of 1996 (HIPAA) as described in the Notice of Privacy Practices and Privacy Policies and Procedures as well as all data security guidelines established within the Company's Handbook of Privacy Policies and Practices and Information Security Policy._
_Furthermore, it is every employee's responsibility to comply with the company's Code of Business Conduct. This includes but is not limited to adherence to applicable federal and state laws, rules, and regulations as well as company policies and training requirements._
**Pay Range Minimum:**
$50,200.00
**Pay Range Maximum:**
$91,200.00
_Base pay is determined by a variety of factors including a candidate's qualifications, experience, and expected contributions, as well as internal peer equity, market, and business considerations. The displayed salary range does not reflect any geographic differential Highmark may apply for certain locations based upon comparative markets._
Highmark Health and its affiliates prohibit discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibit discrimination against all individuals based on any category protected by applicable federal, state, or local law.
We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact the email below.
For accommodation requests, please contact HR Services Online at *****************************
California Consumer Privacy Act Employees, Contractors, and Applicants Notice
Req ID: J272541
Underwriter I, II, III, or Senior
Underwriter job in Boise, ID
Work a Hybrid schedule within Oregon, Washington, Idaho or Utah
Build a career with purpose. Join our Cause to create a person-focused and economically sustainable health care system.
Who We Are Looking For:
Every day, Cambia's dedicated team of Underwriters is living our mission to make health care easier and lives better. As a member of the Underwriting team, our Underwriters evaluates each assigned group's risk and attaches the appropriate rate- all in service of creating an economically sustainable health care system].
Do you have a passion for serving others and learning new things? Do you thrive as part of a collaborative, caring team? Then this role may be the perfect fit.
What You Bring to Cambia:
Qualifications:
The Underwriter I would have a Bachelor's degree in business, math, statistics or related discipline or an equivalent combination of education and experience.
The Underwriter II would have a Bachelor's degree in business, math, statistics or related discipline and a minimum of 2 years related experience or an equivalent combination of education and experience.
The Underwriter III would have a Bachelor's degree in business, math, statistics or related discipline and a minimum of 4 years related experience or an equivalent combination of education and experience.
The Underwriter Senior would have a Bachelor's degree in business, math, statistics or related discipline and a minimum of 6 years related experience or an equivalent combination of education and experience.
Skills and Attributes:
Demonstrated analytical and problem solving skills.
Business sense including: finance, accounting, economics, and risk management principles.
Effective verbal and written communications.
Ability to build and maintain positive internal and external customer interactions.
Ability to prioritize tasks and meet deadlines.
Demonstrated technology proficiency, including Excel, Word, and applicable software applications.
Experience with AI tools and technologies to enhance productivity and decision-making in professional settings highly desired
Additional Requirements for Underwriter II:
Demonstrated success with managing competing priorities and workload.
Additional Requirements for Underwriter III:
Demonstrated proficiency working with complex computer software systems and automation.
Ability to effectively explain complex mathematical and abstract concepts to a variety of stakeholders, including those with less familiarity and/or understanding.
Additional Requirements for Underwriter Senior:
Proven understanding of business, including: finance, accounting, economics, and risk management.
Demonstrated attainment of a high level of independent, consistent performance.
Ability to organize, plan, prioritize and complete complex assignments with little or no supervision.
Demonstrated ability to read the marketplace and competitive environment.
What You Will Do at Cambia:
Approves renewal changes after verifying rates and product selection.
Audits both new and renewing groups as necessary.
Determines rates for alternative benefit variations.
Ensures that group participation requirements are met.
Prepare rate filings.
Follows underwriting guidelines, policies, procedures and formulas in developing rates for new and renewal groups.
Gathers the appropriate data used to determine the status of account refunds.
Maintains spreadsheet information on group renewal history.
Prepares memos and other correspondence to communicate changes in rates or benefits which have been approved by underwriting management.
Processes the appropriate paperwork associated with renewal rate action and proposal closing.
Supports internal sales staff regarding underwriting questions and/or resolves issues.
Effectively communicates Underwriting decisions to other departments when necessary.
Additional Responsibilities for Underwriter II:
May determine rates for alternative benefit variations and funding arrangements.
Assist in the training process and mentoring of more junior level Underwriters.
Prepares contingent premium settlements.
Prepares the rate quotations and completes bid specifications.
Processes group financial settlement calculations.
Reviews and determines whether or not to grant exception requests.
Supports management reporting efforts and the development of automated rating and analysis tools.
Additional Responsibilities for Underwriter III:
May determine rates for alternative benefit variations and more complex funding arrangements.
Actively involved in the preparation and maintenance of underwriting guidelines and rating policy.
Actively involved with testing new rating, underwriting and front end systems.
Answers questions regarding the basic factors used in developing rates, (group size, type of benefits, age/gender composition, large claims, experience provided from the prior carrier, current rates).
Answers questions regarding the rate model and how it impacts rates in accordance with particular group demographic changes.
Assesses health risk in a group environment (performs large claim analysis for ongoing claim cost).
Develops prospective and renewal rates for group accounts in accordance with corporate and underwriting guidelines.
Reviews and determines whether or not to grant exceptions to underwriting policy.
Ensures the proper administration of underwriting and legislative guidelines for new and renewing groups.
Handles large volume production with account specific issues (I.e. reinstatements, eligibility standards, group identification criteria, etc)
Maintains a working knowledge of State and Federal regulations affecting group rating.
Prepares rate breakouts and hierarchy definitions for group setups.
Reviews and directs the preparation of experience reports for fiscal, ERISA and contingent premium settlements.
May meet with external customers, brokers or account representatives to review underwriting calculations and provide explanations for rating principles.
May prepare written summaries of recommendations and/or conditions of coverage for the group after completion of each analysis.
May prepare an explanation of the past rating history, documenting benefit and enrollment changes, and providing a recommendation for benefit and financial options.
Additional Responsibilities for Underwriter Senior:
Contribute to timely and accurate productivity by assisting the Manager in education to new Underwriters.
Attends broker meetings, as well as meetings with sales executives, agents and/or groups to provide explanations of rating principles or rationale of rating positions.
Contributes to the development of new rating formulas, methodologies and guidelines.
Represent underwriting on Cambia workgroups and strategy sessions and serves as department representative where applicable.
The expected hourly hiring range for a Underwriter I is $22.70 - $33.35 depending on skills, experience, education, and training; relevant licensure / certifications; performance history; and work location. The bonus target for this position is 5%. The current full hourly range for this role is $21.30 to $37.70.
The expected hiring range for a Underwriter II is $58,000.00 - $77,050.00 depending on skills, experience, education, and training; relevant licensure / certifications; performance history; and work location. The bonus target for this position is 5%. The current full salary range for this role is $53,000.00 to $88,000.00.
The expected hiring range for a Underwriter III is $68,900.00 - $93,150.00 depending on skills, experience, education, and training; relevant licensure / certifications; performance history; and work location. The bonus target for this position is 10%. The current full salary range for this role is $64,000.00 to $106,000.00.
The expected hiring range for a Underwriter Sr is $83,300.00 - $111,600.00 depending on skills, experience, education, and training; relevant licensure / certifications; performance history; and work location. The bonus target for this position is 10%. The current full salary range for this role is $78,000.00 to $128,000.00.
About Cambia
Working at Cambia means being part of a purpose-driven, award-winning culture built on trust and innovation anchored in our 100+ year history. Our caring and supportive colleagues are some of the best and brightest in the industry, innovating together toward sustainable, person-focused health care. Whether we're helping members, lending a hand to a colleague or volunteering in our communities, our compassion, empathy and team spirit always shine through.
Why Join the Cambia Team?
At Cambia, you can:
Work alongside diverse teams building cutting-edge solutions to transform health care.
Earn a competitive salary and enjoy generous benefits while doing work that changes lives.
Grow your career with a company committed to helping you succeed.
Give back to your community by participating in Cambia-supported outreach programs.
Connect with colleagues who share similar interests and backgrounds through our employee resource groups.
We believe a career at Cambia is more than just a paycheck - and your compensation should be too. Our compensation package includes competitive base pay as well as a market-leading 401(k) with a significant company match, bonus opportunities and more.
In exchange for helping members live healthy lives, we offer benefits that empower you to do the same. Just a few highlights include:
Medical, dental and vision coverage for employees and their eligible family members, including mental health benefits.
Annual employer contribution to a health savings account.
Generous paid time off varying by role and tenure in addition to 10 company-paid holidays.
Market-leading retirement plan including a company match on employee 401(k) contributions, with a potential discretionary contribution based on company performance (no vesting period).
Up to 12 weeks of paid parental time off (eligibility requires 12 months of continuous service with Cambia immediately preceding leave).
Award-winning wellness programs that reward you for participation.
Employee Assistance Fund for those in need.
Commute and parking benefits.
Learn more about our benefits.
We are happy to offer work from home options for most of our roles. To take advantage of this flexible option, we require employees to have a wired internet connection that is not satellite or cellular and internet service with a minimum upload speed of 5Mb and a minimum download speed of 10 Mb.
We are an Equal Opportunity employer dedicated to a drug and tobacco-free workplace. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, age, sex, sexual orientation, gender identity, disability, protected veteran status or any other status protected by law. A background check is required.
If you need accommodation for any part of the application process because of a medical condition or disability, please email ******************************. Information about how Cambia Health Solutions collects, uses, and discloses information is available in our Privacy Policy.
Auto-ApplyUnderwriter, Wholesale, Specialty Products
Underwriter job in Boise, ID
**Come join our amazing team and work Remote !** We are hiring Underwriters for our Non- Agency Products- NO DE REQUIRED! The Wholesale Underwriter will underwrite loans in accordance with Company and Investor guidelines following company's policies and procedures under general supervision. Our loan product offers extremely competitive rates and terms- the best in the industry. Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, wherein the company operates. The target pay range for this position is $90,000.00 to $120,000.00 + Monthly Incentive plan.
**What you'll do:**
+ A thorough knowledge of **Non Agency or NON QM** mortgage loan underwriting.
+ Maintains highly confidential information concerning loan applicants.
+ Requires high level of organizational skills and ability to work on several tasks simultaneously
+ Performs a thorough analysis of collateral to ensure property meets investor guidelines and the appraisal quality and completeness is acceptable.
+ Applies and interprets company underwriting guidelines and makes sound credit decision.
+ Completes credit, analysis of income, analysis of property, ensures proper audits are completed and verifies consistency of loan file information.
+ Identifies risk factors within each loan and utilizes resources, tools and documentation to detect red flags and clear inconsistencies.
+ Reviews and evaluates credit information on mortgage loan documents to determine acceptability for specific loan programs.
+ Determines any conditions, stipulations or pre-funding requirements.
+ Reviews and clears underwriting conditions, stipulations or pre-funding requirements received.
+ Communicates with clients, sales teams and operations teams to resolve outstanding issues as they arise
**What you'll need:**
+ 5+ years mortgage underwriting work experience.
+ Experience Underwriting Non Agency or Non QM Loans
+ Paperless Loan Origination System experience preferred.
+ DU and LP experience required.
+ Experience working in a paperless environment preferred.
**Our Company:**
Carrington Mortgage Services-Wholesale Lending is part of The Carrington Companies. We provide third-party originators, mortgage brokers and financial institutions with access to government and conventional loan programs, as well as low credit score home financing and low down payment options. We hope you'll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: *************************** .
**What is the value proposition to joining the team?**
+ Increased earning capacity due to access to our 48 state territory.
+ Ability to market faster and more efficiently inside the operation.
+ Superior service levels offered to the broker as you're inside presence ensures every step of the loan process is handled in the most efficient manner possible.
+ Professional account manager's partner with you and your brokers to add value every step of the way.
+ Base pay plus an industry leading commission plan.
+ Take over existing accounts.
**What We Offer:**
+ Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed.
+ Access to several fitness, restaurant, retail (and more!) discounts through our employee portal.
+ Customized training programs to help you advance your career.
+ Employee referral bonuses so you'll get paid to help Carrington and Vylla grow.
+ Educational Reimbursement.
+ Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org.
Carrington is an equal opportunity employer. It is the policy of the company that applicants be considered for positions for which they qualify without regard to race, color, religion, sex, gender identity, national origin, ancestry, age, marital status, sexual orientation, protected veterans status, physical or mental disability or any other legally protected category. Carrington will make reasonable accommodations for known physical or mental limitations of a qualified applicant or employee with a disability unless the accommodation will impose an undue hardship on the company.
Mortgage Loan Underwriter Senior
Underwriter job in Boise, ID
WHAT IS THE OPPORTUNITY? The role of the Underwriter III is to evaluate the credit risk against company standards and to determine the borrower's ability to repay a residential mortgage. The Underwriter III analyzes and interprets the most complex financial and non-financial data decisioning the requests with the goal of achieving the optimal quality asset for the bank while satisfying the needs of borrower. The Underwriter III is also responsible for LLCs along with other complex borrower types. The Underwriter III works within established lending authorities and guidelines, with complex or unusual situations escalated to the next highest authority level for resolution. This includes mentoring and training of Underwriters I and II including second level reviews.
What you will do
* Reviews the loan package received to ensure completeness verifying that all supporting documents are included to make a credit decision per established policies
* Identifies issues and recommends appropriate resolution within policy service level agreements
* Analyzes and determines the financial capacity of the borrower's ability to repay:
* Performs credit analysis, financial statement analysis, cash flow analysis, liquidity qualification and payment calculation spreads
* Reviews for stability of residency and employment
* Verifies income per established policy
* Identifies any exceptions to current policies
* Documents a reasonable conclusion mitigating any identified risks supporting the request will be repaid
* Accurately sets and clears conditions
* Interacts with RLC and Processor throughout the life cycle of the loan, providing information, updates and assistance as required
* Updates System(s) with pertinent information and appropriate data as required
* Renders a decision within his/her lending authority. If deal is outside of lending authority, provides a recommended decision and submits for appropriate level signing authority
* Originates appropriate client letters; Commitment, Counter Offer, Declination
* Certifies and provides a final Workbook to the Processor
* Ensures compliance with bank and statutory/regulatory guidelines
* Client Satisfaction
* Promotes a team environment fostering a positive working environment
* Functions as a collaborator and innovator to drive continuous improvement
* Provides guidance and support to the RLC and Processor when required
* Utilizes systems and tools to ensure that the RLC's are updated on the status of loans
* Interacts and communicates daily with all levels as required to support business units, Processors, Funding/Doc Prep to ensure requirements are understood and met
* Provides timely, complete and accurate response to inquiries
* Handles all situations in a professional and ethical manner
* Takes the lead in resolving problems for his/her own loans; assisting Underwriters I and II with resolutions
* Supports and contributes to the quality and customer satisfaction goals of the bank
* Productivity
* Ensures all goals and service level agreements (SLAs) are met
* Tracks, logs and provides daily, weekly, monthly, quarterly reporting of production statistics as defined by management
* Consistently meets quality control and data integrity standards
* Effectively utilizes available systems, workflow and imaging tools
* Mentor and train Underwriters I and II
* 2nd level review of Underwriters I and IIs' work
* Performs other duties as assigned by Management, including participation in projects, process improvement initiatives, etc.
*Must-Have**
* Minimum 7 years of experience as an Underwriter in a financial services or mortgage banking environment required.
* Minimum 7 years of experience in jumbo and super jumbo underwriting to investor or organization's guidelines required
* Minimum 7 years of experience with state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.).
*Skills and Knowledge*
* Bachelor's degree in Business, Finance or Economics or related discipline with 10 or more years of experience in a mortgage banking environment required
* Familiar with FNMA/FHLMC guidelines
* Computer literate with experience using Microsoft applications with mortgage industry standard software, preferably InterLink E3 or NetOxygen/Gallagher.
* Superior ability to communicate effectively in both verbal and written form
* Strong time management skills to plan and organize a high daily loan volume
* Strong ability to be very detail oriented
* Must be a team player and work constructively with their fellow colleagues
* Specific knowledge and exposure to funding and loan documentation to resolve more complex situations such as occur with LLC's, irrevocable trusts, and Co-operatives
*Compensation*
Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
**To be considered for this position you must meet at least these basic qualifications*
The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
*Benefits and Perks*
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our ****************************************************************************************************
ABOUT CITY NATIONAL
City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92.03 billion in assets as of April 30, 2024. Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $96.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves.
*City National Bank does business in Miami and the state of Florida as CN Bank.
For more information about City National, visit *********************
*EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION*
City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. **************************************************************************************************
If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via mailto:*************************) or leave a message at *************. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
Sr Surety Underwriter
Underwriter job in Boise, ID
UFG is hiring for a Sr. Surety Underwriter who is actively working towards building and maintaining a profitable mix of new and existing surety business by developing and maintaining strong working relationships with the agency force. Demonstrate strong analytical skills to evaluate risks for acceptability within their higher authority and company underwriting parameters. Independently Underwrite more complex submissions. Make regular agency visits and calls to assess growth and profitability of agents in their territory. Prospect and appoint new quality agents in the territory. Visit current and potential contractor's place of business to better assess acceptability and quality of the accounts.
The ideal candidate will be located in one of the following locations: Washington, Oregon or Idaho.
Essential Duties & Responsibilities:
* Demonstrate successful growth of business independently and responsibly utilize the higher authority granted.
* Underwrite more complex submissions independently.
* Independently underwrite new submissions and existing accounts with the assistance from mentors. Evaluate and assess financial status, credit standing, and organization profile to analyze and determine acceptability of the risk within framework of UFG underwriting policies and procedures.
* Develop and maintain strong relationships with agents/brokers.
* Oversee a book of contract surety business within defined territory. Meet production, marketing, and profitability goals and develop marketing plan using the territory management tool.
* Upload and update file information electronically and purge obsolete data per department guidelines.
* Handles all confidential information with discretion.
* Provide high quality customer service in all interactions with internal and external customers.
* Request underwriting information from agencies. Review and process information received.
* Perform annual review of accounts including financial analysis, obtaining current bank line of credit letters, preparing profiles, and recommendation of line of authority.
* Instruct, assign, and review work completed by support staff.
* Create record of communications concerning activities per department standards.
* Provide training, direction, and assistance to underwriters, associate underwriters, and underwriter trainees.
* Stay current on industry information regarding trends, competition, pertinent laws and legal occurrences, etc., and share the information with the department.
Job Specifications:
Education:
* Bachelor's degree, or combination of education and surety experience.
* Bachelor's degree in business administration, economics, finance or accounting preferred.
Certifications/Designations:
* Certified, or working towards, AFSB designation.
* Must have a valid and current drivers' license and must have acceptable driving record in accordance with Company practice.
* Employees are expected to participate in continuing education throughout their careers.
Experience:
* 5+ years of contract surety underwriting experience.
Working Conditions:
* General office environment.
* Up to 25% of travel is required, by accompanying surety representatives to visit agency force and contract accounts. Overnight trips included.
* May be exposed to weather conditions, and/or results and debris of adverse weather conditions, during agency/contract visits.
Pay Transparency Statement:
UFG Insurance is committed to fair and equitable compensation practices. The base salary range for this position is $103,222, - $136,105 annually, which represents the typical range for new hires in this role. Individual pay within this range will be determined based on a variety of factors, including relevant experience, education, certifications, skills, internal equity, geography and market data.
In addition to base salary, UFG Insurance offers a comprehensive total rewards package that includes:
* Annual incentive compensation
* Medical, dental, vision & life insurance
* Accident, critical Illness & short-term disability insurance
* Retirement plans with employer contributions
* Generous time-off program
* Programs designed to support the employee well-being and financial security.
This pay range disclosure is provided in accordance with applicable state and local pay transparency laws.
Underwriter
Underwriter job in Idaho
Company Details
Berkley Prime Transportation provides primary auto liability, auto physical damage and general liability to a broad array of trucking operations. We offer superior service to our partner brokers and agents and provide a quality insurance solution to standard and best-in-class truck fleets.
Company URL: *********************************
Responsibilities
Berkley Prime Transportation is looking for an Auto Underwriter who enjoys underwriting to join our creative, collaborative, and hard-working team. The successful candidate will be responsible for helping grow our organization by achieving and exceeding profitability goals through proper risk selection and account management by utilizing data and analytics.
Key functions include but are not limited to the following:
Review new and renewal commercial insurance risks and determine accurate classification of business, policy contract forms and pricing of risk; review and act upon pertinent risk information such as loss control reports, motor vehicle reports (MVRs), loss runs and financial statements
Responsible for book management of an assigned agency territory, including achieving predetermined premium goals and profitability objectives, conducting audits on agency business, effectively communicating the company underwriting philosophy and assuring compliance of underwriting best practices
Cultivate effective agency relationships; conduct agency visits, communicate expectations and make recommendations for agency action(s) when appropriate
Provide guidance to Assistant Underwriters in technical matters of underwriting including, but not limited to, such procedures as coverages, cancellations, exclusions, endorsements and non-renewal action
Assist in developing new products, coverage enhancements, and procedures that drive production and processing efficiency
Qualifications
Bachelor's Degree
CPCU designation preferred or in process of obtaining
3+ years of related commercial auto (trucking preferred) underwriting experience
Additional Company Details We do not accept any unsolicited resumes from external recruiting agencies or firms.
The company offers a competitive compensation plan and robust benefits package for full time regular employees which for this role include:
• Base Salary
• Eligible to participate in annual discretionary bonus.
• Benefits: Health, Dental, Vision, Life, Disability, Wellness, Paid Time Off, 401(k) and Profit-Sharing plans.
The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. Sponsorship Details Sponsorship not Offered for this Role Not ready to apply? Connect with us for general consideration.
Auto-ApplyUnderwriter Travel- Hospitality & Liquor -Boise
Underwriter job in Boise, ID
Back to Open Opportunities Returning Applicant? Login Now Notice: Applicants must be authorized to work for ANY employer in the U.S. We are unable to sponsor or take over sponsorship of an employment visa at this time. However, USLI reserves its right to provide employment-based immigrant visa assistance on a discretionary basis.
Explore USLI's extensive company benefits, perks, and more below! *Not applicable to External Customer Program
U.S. Benefits
Canada Benefits
Underwriter Travel- Hospitality & Liquor -Boise
Location:Boise, ID Team:Hospitality & Liquor Job Type:Underwriting FT/PT Status:Full Time
Job Title: Underwriter Travel - Hospitality & Liquor
Location: Boise, ID
About Us: At USLI, we're not just about insurance - we are committed to making a difference, both internally and externally. Our community is built upon five values: Caring, Attitude, Respect, Empathy and Energy. Our commitment to these values leads us to make better decisions and furthers our true sense of community. By joining our team, you'll be part of a vibrant organization that values innovation, collaboration, and growth. Here, you'll have the opportunity to shape the future of insurance and make a meaningful impact.
Your Role: As an underwriter, you'll be at the heart of our operations, driving success by evaluating submissions, handling customer requests, and building strong relationships. You'll work in a dynamic environment where creativity and strategic thinking are highly valued. Join us to be part of a team that's respected for delivering exceptional service and innovative solutions.
Key Responsibilities:
* Evaluate and underwrite: Assess and manage submissions with precision, adhering to our guidelines and delegated authority.
* Customer engagement: Address quotes, re-quotes, and endorsements with a customer-first mindset, ensuring top-tier service.
* Relationship building: Cultivate and maintain strong relationships with customers, addressing their needs and driving business growth.
* Collaborative approach: Partner with teams across Underwriting as well as Business Development, Claims, IT, and more, contributing to a unified and effective operation.
* Innovative contribution: Stay ahead of the curve by researching market trends, analyzing competitive information, and supporting product development.
Additional Responsibilities:
* Mentorship: Guide and support new underwriters, sharing your expertise and fostering a collaborative environment.
* Continuous Learning: Engage in ongoing professional development, including completion of required underwriting classes, exams, designations, and training within 24 months of hire.
What You'll Bring:
* Attitude: A positive and growth-focused mindset combined with a caring attitude committed to USLI's success, with the grit and resiliency to make it happen.
* Customer-centric focus: A dedication to placing our customers at the center of everything you do.
* Analytical mindset: Strong decision-making abilities, with a blend of data analysis and critical thinking.
* Team collaboration: A proactive, team-oriented approach with excellent relationship-building skills.
* Adaptability: Ability to navigate and thrive in a fast-paced, evolving business landscape.
Qualifications:
* Experience: 3+ years of underwriting experience in Commercial Property and Casualty, Personal, or Management and Professional Liability lines
* Insurance-related course work (CPCU, RPLU, etc.) is a plus
* Or: 5+ years in any of the following:
* Travel: Willingness to travel as needed to maintain effective customer interactions (for travel roles).
What We Offer: One of the advantages of working at USLI is the competitive salary and benefits program we offer full-time and eligible part-time employees. Benefits include performance-based triannual bonuses, medical benefits paid at 100% for full-time employees and 80% for eligible part-time employees, a profit-sharing program, free lunch every day while onsite, and more than 450 annual personal and professional development courses. Explore more company benefits.
Why USLI? At USLI, we are committed to fostering a vibrant and inclusive community that celebrates the rich diversity of all ethnicities, nationalities, abilities, genders, gender identities, sexual orientations, ages, religions, socioeconomic backgrounds, and life experiences. We understand the importance of continuous learning, self-reflection, acknowledging our biases, and expanding our perspectives beyond our own. We actively encourage open dialogue on diversity, equity, inclusion, and belonging to support a workplace where every individual feels valued, respected, and empowered to contribute at their fullest potential. Join us in building a diverse and inclusive environment where our shared values drive us toward excellence.
Sr Field Underwriter - Agribusiness
Underwriter job in Oregon
If you're passionate about helping people protect what matters most to them, as well as innovating and simplifying processes and operations to provide the best customer value, then Nationwide's Property and Casualty team could be the place for you! At Nationwide , “on your side” goes beyond just words. Our customers are at the center of everything we do and we're looking for associates who are passionate about delivering extraordinary care.
This Field Underwriter - Agribusiness (Farm) will oversee the Pacific Northwest territory, primarily Oregon, with possible responsibilities in Washington, Idaho, and Montana. Qualified candidates will reside in Oregon or Washington. Travel to visit agents within the territory is required.
This is a production-oriented role and will have corresponding goals and incentives based on production.
Summary
Do you enjoy the challenge of solving complex agribusiness underwriting issues? Our team is knowledgeable about all facets of farming and agriculture, loves to connect and build relationships and thrives on growing total premium by writing and retaining great business. If you like to win and have the flexibility and freedom to do your best work, we want to hear from you!
As a Senior Field Underwriter, you'll generate new, profitable agribusiness production from agencies in an assigned territory. We'll count on you to have an expert level of knowledge in agribusiness insurance contracts and be familiar with the various policy languages and endorsements. You'll partner with sales managers to extract new business from the agency force to review, quote, inspect and issue.
Job Description
Key Responsibilities:
Accepts, rejects, or modifies new agribusiness to ensure profitability, within delegated authority levels and company guidelines. Prices business according to underwriting and pricing guidelines and ensures standards for timelines are met.
Evaluates complex risk exposures accurately. Underwrites new business, reviews applications, selects business to quote and reject the business that is unacceptable, class and price according to guidelines. Underwriting also includes reviewing motor vehicle reports, financial reports and loss control reports.
Gathers competitive data, prepares reports and performs loss control inspections.
Conducts routine field inspections of accounts, with and without agents. Makes recommendations based on findings. Makes accurate assessments of future agency potential and communicates/discusses the assessment with agency partners in a positive and professional manner.
Maintains frequent visitation schedule with all assigned agents and establish the company as the agribusiness provider of choice for the agencies in the territory.
Manages heavy workload effectively and backs up other team members as needed.
Demonstrates a detailed understanding of regional office strategic direction and operating plans, including goals and objectives to achieve profit and growth.
Serves as a top underwriting resource. Provides professional development knowledge and insight to team members. May help train new field underwriters and provide them coaching as they develop in their role.
Conducts program and product orientation meetings in conjunction with the sales managers.
May perform other responsibilities as assigned.
Reporting Relationships: Reports to Manager or Director.
Typical Skills and Experiences:
Education: Undergraduate degree preferred. Pursuit of technical insurance coursework, such as CPCU, highly desirable.
Experience: Four to six years of experience in agribusiness underwriting and/or portfolio management preferred.
Knowledge, Abilities and Skills: Requires advance knowledge on all aspects of agribusiness underwriting practices, procedures, and policies. Thorough knowledge of agency operations and field agency support needs. Strong proficiency in loss control and risk management techniques. Strong sales skills to match the emphasis on production, including the ability to make presentations and meet with all agency personnel (owners and employees). Requires strong verbal and written communication skills; able to convey the agribusiness message in a positive manner to agents.
Other criteria, including leadership skills, competencies and experiences may take precedence.
Staffing exceptions to the above must be approved by the hiring manager's leader and HR Business Partner.
Values: Regularly and consistently demonstrates Nationwide Values.
Job Conditions:
Overtime Eligibility: Not Eligible (Exempt)
Working Conditions: Requires the ability to relocate, and travel extensively in the field, service centers, agency offices and customer business locations. Must have and maintain a safe driving record. Must be able to stoop, bend and climb ladders to perform inspections.
ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.
Benefits
We have an array of benefits to fit your needs, including: medical/dental/vision, life insurance, short and long term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company-paid pension plan, business casual attire, and more. To learn more about the benefits we offer, click here.
Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law.
NOTE TO EMPLOYMENT AGENCIES:
We value the partnerships we have built with our preferred vendors. Nationwide does not accept unsolicited resumes from employment agencies. All resumes submitted by employment agencies directly to any Nationwide employee or hiring manager in any form without a signed Nationwide Client Services Agreement on file and search engagement for that position will be deemed unsolicited in nature. No fee will be paid in the event the candidate is subsequently hired as a result of the referral or through other means.
Nationwide pays on a geographic-specific salary structure and placement within the actual starting salary range for this position will be determined by a number of factors including the skills, education, training, credentials and experience of the candidate; the scope, complexity and location of the role as well as the cost of labor in the market; and other conditions of employment. If a Sales job, Sales Incentives, based on performance goals are possible in addition to this range. Note on Compensation for Part-Time Roles: Please be aware that the salary ranges listed below reflect full-time compensation. Actual compensation may be prorated based on the number of hours worked relative to a full-time schedule.The national salary range for Sr Field Underwriter - Agribusiness : $72,000.00-$148,500.00The expected starting salary range for Sr Field Underwriter - Agribusiness : $80,000.00 - $120,000.00
Auto-ApplyClimate Underwriter France (Casualty & Professional Indemnity)
Underwriter job in Grace, ID
Do you have a passion for underwriting risk which supports the climate transition such as renewable energy, alternative fuels and climate technologies? Background: This is an exciting opportunity to join our newly created Industry Practice in France. The practice has been developed to support and accelerate growth in the broad range of energy and climate transition technologies by developing industry specialism across lines of business. The practice has two components:
>Renewable Energy & Alternative Fuel (REAF) which includes developers and operators of renewable power assets (wind, solar, geothermal, biomass, hydro, wave & tidal), alternative fuel assets (biofuels, hydrogen, nuclear), the power grid, energy storage, alternative fuel distribution and storage, and other transition technologies such as heating and cooling networks, and carbon capture and storage projects.
>Climate Technology which includes organizations that develop products, technology, and services with a core focus to (1) reduce greenhouse gas emissions, (2) to adapt to an altered environment, or (3) address the impact of climate change.
Industry Practices differentiate Chubb as an industry specialist, including specialist underwriting expertise, differentiated products and propositions across multiple risk areas, and tailored service delivery.
Role Purpose:
The primary purpose of this newly created role is to underwrite Casualty and Professional Indemnity construction and operational risks for REAF occupancies, and P&C risks for climate technology companies. The successful candidate will have a good market presence, representing the Industry Practice in broker and client meetings, and assist the Industry practice leader. They will also work closely with other internal stakeholders across all lines of business plus extending to colleagues in claims, risk engineering and global services to provide excellent service to our brokers and clients. They will also work closely with our other underwriting teams to provide multi-line solutions.
Key responsibilities:
* Underwriting - Underwrite new business and renewal accounts according to defined underwriting guidelines and strategies, working closely with risk engineers where appropriate in line with guidance.
* Industry Knowledge - Keep appraised of developments in the industry, including projected investment across different REAF & Climate technologies, industry specific challenges and loss activity.
* Financial - Contribute towards achieving the Industry Practice financial plan.
* Training & Mentoring - working to continuously increase knowledge of REAF & Climate technology underwriting, participating in learning and development.
* Compliance and Procedures - Meet company standards in respect of policy documentation, contract certainty, peer review, audit, compliance, legal and regulatory requirements.
* Leadership - As an experienced underwriter, you will support the Industry Practice Leader in establishing and promoting best practice within the team.
* Chubb Representative - Represent and promote Chubb to brokers and the value-added proposition the IP brings to brokers and clients.
* Business Development - Proactively maintain relationships with key brokers and clients to ensure profitable and sustainable growth, in conjunction with distribution and other key stakeholders. Develop and grow pipeline of opportunities. Contribute towards strategic growth plans with key brokers.
* Cross-sell - Pro-actively maximise cross-selling opportunities through collaboration with Chubb colleagues across lines of business. Have a good understanding of Chubb's risk appetite across core lines of business and a high-level understanding across non-core lines.
Skills & Experience required:
* Good working knowledge of the insurance market, including competitor and broker analysis.
* An experienced professional whose expertise is recognised in the market.
* Results driven with ability to make decisions and work on your own initiative.
* Highly motivated and with a solutions mindset and a keen interest in the subject matter including macro and micro factors that impact the industry.
* Desire to continue to develop technical and broader business skills (technical lines, property, casualty).
* Ability to assist when needed the Industry Practice Climate manager on strategic project
* Significant experience of underwriting risks for Casualty and Professional Indemnity.
* Good presentation and development skills
* Fluent English - native French language
* Position is located in Paris, France.
Auto-ApplyCase Underwriter II
Underwriter job in Boise, ID
Trustmark's mission is to improve wellbeing - for everyone. It is a mission grounded in a belief in equality and born from our caring culture. It is a culture we can only realize by building trust. Trust established by ensuring associates feel respected, valued and heard. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture of diversity and inclusion where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves. At Trustmark, we have a commitment to welcoming people, no matter their background, identity or experience, to a workplace where they feel safe being their whole, authentic selves. A workplace made up of diverse, empowered individuals that allows ideas to thrive and enables us to bring the best to our colleagues, clients and communities.
**About the role**
Trustmark is looking for a Case Underwriter to join the organization.
Responsible for providing timely and accurate underwriting offers, while adhering to pricing and profit objectives. Develops partnership with Sales to maximize ability to sell new/maintain existing business. Stays current with our Administrative, Enrollment, Broker, and Enrollment Company capabilities and processes.
**Key Accountabilities**
+ Processes, reviews, analyzes and makes informed underwriting decisions for assigned territory. All cases are reviewed with manager or higher level underwriter until proficiency is achieved. At full proficiency, underwriting authority is a maximum of 5,000 life case or $500,000 of annualized premium.
+ Reviews enrollment and participation trends in assigned territory and makes recommendations to optimize opportunity for sales while minimizing risk.
+ Provides monthly updates on sold case successes and failures as it relates to access and participation for Guarantee Issue cases.
+ Continually asks questions to grow and better understand our products and procedures. Develops and grows relationship with Implementation Managers to gain their confidence in decisions.
+ Understands non-standard broker arrangements and enrollment company strengths and weaknesses.
+ Identifies elements of a successful enrollment and makes recommendations that will create value.
+ Works with reinsurer on cases that require facultative review.
**Minimum Requirements**
+ Bachelor's Degree and/or 2 - 4 years of related experience OR High School Diploma or GED with 4-6 years of related experience.
The compensation range for this role is (based on the corporate location in Lake Forest, Illinois):
$61,412.00 - $88,706.00 per year
The final salary offer will be determined based on factors such as location, qualifications, experience, skill set, and other relevant factors. This position may also be eligible for bonus. We understand that compensation is an important factor when considering a new opportunity, and we strive to provide a competitive salary within the market.
Brand: Trustmark
In addition to compensation, we offer a comprehensive benefits package that includes: Health/dental/vision, life insurance, FSA and HSA, 401(k) plan, Employee Assistant Program, Back-up Care for Children, Adults and Elders and many health and wellness initiatives. We also offer a Wellness program that enables employees to participate in health initiatives to reduce their insurance premiums. For questions about compensation and benefits, please speak to the Recruiter if you decide to apply and are selected for an interview.
Trustmark is committed to leveraging the talent of a diverse workforce to create great opportunities for our people and our business. We are an equal opportunity employer, including disability and protected veteran status.
Join a passionate and purpose-driven team of colleagues who contribute to Trustmark's mission of helping people increase wellbeing through better health and greater financial security. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves.
Introduce yourself to our recruiters and we'll get in touch if there's a role that seems like a good match.
When you join Trustmark, you become part of an organization that makes a positive difference in people's lives. You will play a vital role in delivering on our mission of helping people increase wellbeing through better health and greater financial security. Our customers tell us they simply appreciate the personal attention and knowledgeable service. Others tell us we've changed their lives.
At Trustmark, you'll be part of a close-knit team. You'll enjoy abundant opportunities to grow your career. That's why so many of our associates stay at Trustmark and thrive. Trustmark benefits from more than 100 years of experience but pairs that rich history with a palpable sense of optimism, growth and excitement for what's ahead - and beyond. This is a place where associates bring their whole selves to work each day. A place where you can be yourself. Whatever your beyond is, you can achieve it at Trustmark.
Senior Underwriter
Underwriter job in Boise, ID
When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:
+ Award-winning culture
+ Inclusion and diversity as a priority
+ Performance Based Incentive Plans
+ Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
+ Generous PTO (including paid time to volunteer!)
+ Up to 9.5% 401(k) employer contribution
+ Mental health support
+ Career advancement opportunities
+ Student loan repayment options
+ Tuition reimbursement
+ Flexible work environments
**_*All the benefits listed above are subject to the terms of their individual Plans_** **.**
And that's just the beginning...
With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!
**General Summary:**
The Senior Underwriter will demonstrate strong risk evaluation, selection and retention of profitable business within assigned authority limits. This also requires a strong ability to partner with Company sales teams, brokers and all internal partners.
**Principal Duties and Responsibilities**
+ Consult with sales and service partners to provide the products and plan options that best meet the needs of our customers.
+ Evaluate and select risk to ensure the profitable acquisition of new cases and the continued profitable retention of in force cases.
+ Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met. Identify and analyze risk trends, making recommendations for addressing these
+ Maintain a fully developed knowledge of the Company's products, the sales, implementation, and enrollment processes, and market place influences
+ Deliver dependable, accurate, and timely service while maintaining relationships with internal and external partners
+ Assist with training, technical development and mentoring more junior underwriters
**Job Specifications**
+ Bachelors degree or equivalent, relevant business experience
+ Demonstrated, consistent proficiency at Underwriter level
+ Fully developed knowledge of product provisions, plan designs, pricing and contractual benefits
+ Strong technical expertise in risk selection
+ Demonstrated understanding of top-line and bottom-line objectives
+ Exhibit strong knowledge of sales/distribution process and market trends
+ Solid mentoring and coaching skills
+ Strong creative problem solving skills
+ Strong critical thinking/analytical reasoning skills
+ Strong communication skills, both verbal and written
+ Strong organizational skills and ability to handle multiple priorities
+ Strong ability to be persuasive and to negotiate
+ Demonstrated ability to work both independently and in a team environment
+ Exhibit a strong commitment to quality and personal ownership of results
\#LI-JQ1
~IN1
Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.
Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.
The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience.
$53,300.00-$100,700.00
Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.
Company:
Unum
Mortgage Underwriter
Underwriter job in Boise, ID
About Us SolomonEdwardsGroup, LLC ("SolomonEdwards") is a full-service professional services firm offering financial, operational, and technology consulting and operations support. We work with some of the world's most prominent companies to help them envision and achieve a better future. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, collaborative individuals who can help us deliver exceptional client service. For more information, visit SolomonEdwards
Position Summary:
SolomonEdwards is looking for a Mortgage Fulfillment Underwriter for one of its mortgage clients to ensure the assets reviewed meet all applicable investor guidelines, through a complete knowledge of requirements and regulations. You will be held accountable for the quality and accuracy of decisions.
Position Locations:
Phoenix, AZ
Tampa, FL
St. Louis, MO
Plano, TX
Moorpark, CA
Pasadena, CA
Essential Duties:
- Decisions full range of mortgage loans, preferably including FHA loans.
- Review all mortgage applications and documentation for accuracy and completeness.
- Work with clients to prepare mortgage applications and related documentation as needed, and help resolve any outstanding issues.
- Work with compliance officers to ensure Federal, State, and local compliance with all mortgage and loan materials.
- Approve or deny mortgages on a timely basis.
- Perform other related duties as required and assigned.
- Demonstrate behaviors that are aligned with the organization's desired culture and values.
Qualifications:
- Bachelor's degree or equivalent work experience.
- 3+ years of mortgage underwriting experience required.
- Knowledge of mortgage laws and regulations required, including the Home Mortgage Disclosure Act.
- Knowledge of state and federal agency mortgage loan guidelines and regulations is helpful.
Skills and Job-Specific Competencies:
- Solid knowledge of mortgage underwriting and basic automated underwriting systems.
- Proficiency with basic automated underwriting systems.
Travel Requirements: No travel will be required, unless at the client's discretion.
Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be provided to qualified applicants or candidates with disabilities upon request to enable them to perform essential functions. This role may require mobility to attend in-person meetings, sitting or standing for extended periods, and the use of telephone, computer, or other electronic communication devices.
Salary Range: SolomonEdwards values your unique and individual experience and background. As such, we take a comprehensive approach when determining compensation for our roles. The compensation for this specific role is based on a wide range of factors, including but not limited to, education, licensure and certifications, location, experience, and training. A reasonable estimate for the current hourly range for this role is $26 - 36.
Benefits: We are committed to providing health and financial stability by offering a comprehensive suite of benefits. Benefits include access to top-tier employers and job opportunities, health insurance, sick leave, and 401(k).
Inclusion and Diversity Statement: SolomonEdwards is an Equal Opportunity/Affirmative Action employer. We firmly believe in fostering an inclusive and diverse workplace environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, veteran status, or any other characteristic protected by applicable laws. All employees, including managers and supervisors, are responsible for upholding our EEO and diversity principles. Discrimination or harassment of any kind will not be tolerated.
We value the contribution and wisdom of the team. At SolomonEdwards, we have built a vibrant and inclusive community. Our team members are curious, committed, and diverse. In keeping with our mission to build value through people, we cultivate a culture where differences are celebrated, and all members are treated fairly and equitably. Employees, business partners, and our extended stakeholder family are empowered to share their experiences, ideas, and perspectives; and to be their whole selves.
Privacy: We adhere to the California Consumer Privacy Act (CCPA). Your privacy is important to us, and we never sell your data to third parties. Personal information is only collected to match applicants with job opportunities. Copy/paste this URL to learn more about your rights: SolomonEdwards' Privacy Policy.
Our Recruiter Promise: Our talent acquisition team prioritizes integrity, professionalism, and transparency in every interaction. When you engage with SolomonEdwards, you can trust a respectful, secure experience from verified contacts. Copy/paste this URL to learn more about how we protect your candidate experience: Recruiter Promise.
Job Ref: 141866
### Place of Work
On-site
### Requisition ID
141866
### Application Email
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Easy ApplySmall Business Underwriter (Remote - Boise, ID, Spokane or Walla Walla, WA)
Underwriter job in Boise, ID
Job DescriptionMore than 135 years ago, we started with core values that never go out of style: listen, learn and help businesses and individuals reach their goals. These core values shape our culture, and we were recently Great Place to Work Certified because of our outstanding workplace culture and employee experience. As well, our financial strength and stability are key reasons Forbes named us one of the Best 100 Banks in America for the ninth consecutive year.
With more than $16 billion in assets and 135 branch locations throughout Washington, Oregon, Idaho, and California, we understand our role in the economy and take that responsibility seriously. In addition to offering a source of capital to personal banking clients and businesses of all sizes, we place a high importance on employee volunteerism and donate millions of dollars each year to community organizations.
As a Small Business Underwriter for Banner Bank you will Underwrite QuickStep small business loan requests. Ensure that booked requests meet the Bank's lending policies and procedures, and that the resulting loans perform within expected loss and delinquency parameters. Review performance of existing QuickStep credits and make recommendations to restructure problem credits.
In this role you will have the opportunity to:
Analyze, review, and approve/decline all small business loan requests in one or more of the following areas: lines of credit, auto/equipment loans, commercial real estate loans, and commercial credit cards for applicants.
Assemble, collect, and verify the accuracy of documentation needed for booking sound and safe loans.
Develop proficiency in using the loan origination application processing system. Recommend terms and conditions of loan that best fits the customer and the bank. Offer cross-sell opportunities to applicants that demonstrate the financial capacity to service the debt.
Contribute to the Bank's profitability by making small business loans which meet Bank standards for economic value and safety.
Contribute to the Bank's favorable image in the community by carrying out loan activities in a manner promoting customer goodwill.
Learn to analyze financial statements, perform tax analysis and determine cash flows.
Provide assistance to other underwriters and support consumer underwriting activities as needed.
Comply with policies, procedures, security requirements, and government regulations.
Education & Certifications
Associate's degree: Accounting, Business, Economics, Law, Computer Science or other related field required (an equivalent combination of education and experience may be considered)
Experience
Experience in commercial credit analysis or small business underwriting required
Knowledge, Skills and Abilities
Knowledge of financial institution policies and procedures.
Possess good sales, organizational, communication, and public relations skills, particularly in working with documentation that requires special or confidential handling.
Proficient with the Bank's loan application processing system and Microsoft Office, including Word and Excel.
Ability to work independently and accurately in a deadline driven environment.
Knowledge of federal and state laws and regulations relating to small business lending, including SBA Express program policies and procedures.
Compensation & Benefits
Targeted starting compensation range is based on location and experience: $24.19 - $28.46/hour
Incentive and commission compensation may be awarded for eligible roles
Comprehensive employee benefits, including: medical, dental, vision, LTD, STD and life
Paid vacation time, sick time, personal days, paid volunteer time and 11 company paid holidays
401k (up to 4% match with immediate vesting)
Tuition reimbursement up to $5,250 annually (minimum service requirement)
Read more about these and additional benefits at: Employee Benefits \u007C Banner Bank
Please take time to review Banner Bank's Consent & Privacy notice before applying.
Banner Bank is an Equal Opportunity Employer committed to diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, citizenship, marital status, age, disability or protected veteran status.
Banner Bank does not accept unsolicited resumes from agencies and/or search firms for any job postings. Resumes submitted to any Banner Bank employee by a third-party agency and/or search firm without a valid written and signed search agreement, will become the sole property of Banner Bank. No fee will be paid if a candidate is hired for a position as a result of an unsolicited agency or search firm referral.
Mortgage Protection Sales
Underwriter job in Nampa, ID
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.
Auto-ApplyMiddle Market Underwriter
Underwriter job in Lake Oswego, OR
About Us:
At Columbia, we create a great place to work by offering a unique brand of relationship banking and fostering a culture where associates thrive. We are dedicated to supporting our customers and communities, and we can only achieve this through the dedication of our Associates.
We value Trust, Ownership, Growth, Empathy, Teamwork, Heart, Enjoyment, and Relationships, and we are eager to meet candidates who embody these core values. We are always on the lookout for results-focused individuals who can think independently, work collaboratively, and support our broader purpose.
Think of us as financial partners, because at Columbia, we believe the best way forward is together. Together for people. Together for business. Together for better.
About the Role:
Analyzes and evaluates customer credit information for new and renewal Middle Market credit requests comprised of working capital lines of credit, asset-based lines of credit, commercial real estate loans (Owner Occupied and Investor) and equipment financing; most often from simple to moderately complex enterprises with revenues greater than $5 million. Collaborates with Client Solutions Managers ("CSMs") and Relationship Managers to prepare timely, high quality and concise credit recommendations needed to obtain credit approval and meet customer needs.
Analyze business, industry, financial data and other supporting credit information concerning an applicant's credit request; presents facts to, and collaborates with, CSMs and Relationship Managers to identify key business and financial risks allowing CSMs and Relationship Manager to derive conclusions, structure loans and support the credit recommendation.
Prepare timely, concise and accurate credit recommendations, with normal level of supervision. Includes: (1) quantitative components within the underwriting narrative documenting the credit analysis; (2) accurate use of risk rating scoring models (aka Dual Risk Rating), both quantitative and qualitative rating elements, to ensure customers and loans are properly risk-rated; (3) accurate identification and mitigation of all exceptions to Bank tracked policies exceptions (TPE), tracked guidelines exceptions (TGE), procedures and compliance regulations; and (4) accurate loan coding consistent with nature of the borrowing relationship and terms of the credit(s).
Monitor borrower financial performance in line with commercial and/or real estate loan documents; spread financial statements and/or ensures required financial statements are spread in accordance with Bank Guidelines and resulting covenant calculations are accurate, complete and adhere to approval conditions and loan documentation. Collaborates with CSM to ensure borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.
Partner with CSMs and Relationship Managers in customer and prospect calls as appropriate; offers insight into customer financial needs, including opportunities identified using Line of Business-approved relationship expansion tools
Partner with CSMs or Relationship Managers to follow up with customers to obtain all necessary information and clarification on financial analysis materials and resources; ensures customer is approved for all ancillary products.
Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities - knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes.
Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.
Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.
May be asked to coach, mentor, or train others and teach coursework as subject matter expert.
Actively learns, demonstrates, and fosters the Umpqua corporate culture in all actions and words.
Takes personal initiative and is a positive example for others to emulate.
Embraces our vision to become “Business Bank of Choice”
May perform other duties as assigned
About You:
Bachelor's Degree in Business, Finance, Accounting, or equivalent work experience. (Required)
Bachelor's Degree: In Business, Finance, Accounting, or other related field or the equivalent in experience. (Required)
2-4years of commercial credit analysis or underwriting experience or the equivalent. (Required)
Demonstrate acceptable completion of Intermediate Accounting classes acquired through an accredited university or college
and/or completion of bank credit underwriting training.
Proven ability to spread company and personal financial statements, including income tax returns, using Moody's Risk Analyst or other comparable spreading tool; includes knowledge about financial statement structure and business entity types.
Basic experience analyzing and monitoring commercial lines of credit and term loans (both secured and unsecured), as well as income property real estate, non-profit lending or other specialty lending types.
Ability to work effectively with individuals and groups across the company to manage internal and external customer relationships.
Possess excellent written, verbal and interpersonal skills, including documenting effective presentations using Excel, Word or other related software/business tools.
Experience working with bank credit policies, procedures, practices and documentation
Travel Type:
Occasional
Job Location(s): Ability to work fully onsite at posted location(s).
5885 Meadows Road Suite 300 Lake Oswego OR 97035
Our Benefits:
We offer a competitive total rewards package including base wages and comprehensive benefits. The pay range for this role is $68,000.00 - $120,000.00 and the pay rate for the selected candidate is dependent upon a variety of non-discriminatory factors including, but not limited to, job-related knowledge, skills, and experience, education, and geographic location. The role may be eligible for performance-based incentive compensation and those details will be provided during the recruitment process.
We offer eligible associates comprehensive healthcare coverage (medical, dental, and vision plans), a 401(k)-retirement savings plan with employer match for qualifying associate contributions, an employee assistance program, life insurance, disability insurance, tuition assistance, mental health resources, identity theft protection, legal support, auto and home insurance, pet insurance, access to an online discount marketplace, and paid vacation, sick days, volunteer days, and holidays. Benefit eligibility begins the first day of the month following the date of hire for associates who are regularly scheduled to work at least thirty hours weekly.
Our Commitment to Diversity:
Columbia Bank is an equal opportunity and affirmative action employer committed to employing, engaging, and developing a diverse workforce. All qualified applicants will receive consideration for employment without regard to race, color, national origin, religion, sex, age, sexual orientation, gender identity, gender expression, protected veteran status, disability, or any other applicable protected status or characteristics. If you require an accommodation to complete the application or interview(s), please let us know by email: [email protected].
To Staffing and Recruiting Agencies:
Our posted job opportunities are only intended for individuals seeking employment at Columbia Bank. Columbia Bank does not accept unsolicited resumes or applications from agencies and Columbia Bank will not be responsible for any fees related to unsolicited resume submissions. Staffing and recruiting agencies are not authorized to submit profiles, applications, or resumes to this site or to any Columbia Bank employee and any such submissions will be considered unsolicited unless requested directly by a member of the Talent Acquisition team.
Auto-ApplyReal Estate Underwriter
Underwriter job in Idaho Falls, ID
Job Details Downtown - Idaho Falls, ID BankingDescription
, remote work is not available for this role.
Summary: Responsible for procuring and handling mortgage loans
Essential Duties and Responsibilities:
Review loan documentation to ensure loan is in compliance and meets bank, agency, and investor guidelines.
Keep staff informed of changes that are happening with the agencies and investors.
Be available to discuss loan scenarios and different loan structures.
Help with investor conditions as needed.
Continuing education
Stay aware of changes that affect loan programs, etc.
Originate loans as needed, including reviewing credit, income, issue loan disclosures, etc.
Competencies: To perform the job successfully, an individual should demonstrate the following competencies:
Interpersonal
Skills
- Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.
Technical Skills
- Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others.
Oral
Communication
- Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions. Demonstrates group presentation skills.
Written
Communication
- Writes clearly and informatively; Able to read and interpret written information.
Ethics
- Treats people with respect and consideration regardless of their status or position; Keeps commitments; inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
Organizational
Support
- Follows policies and procedures; Completes administrative tasks correctly and on time; supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.
Professionalism
- Approaches others in a tactful manner; reacts well under pressure; accepts responsibility for own actions; follows through on commitments.
Dependability
- Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Commits to long hours of work when necessary to reach goals. Completes tasks on time or notifies the appropriate person with an alternate plan.
Qualifications
Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and/or Experience: 5 years of recent underwriting experience of FHA, VA, USDA, and Conventional loans. Active NMLS License, or ability to obtain an NMLS License. FHA DE designation, VA LAPP. Current resume and documentation to demonstrate underwriting ability.
Language Skills: Ability to read, analyze, and interpret financial documents, general business periodicals, professional journals, technical procedures, or government regulations. Ability to effectively present information and respond to questions from employees, clients, customers, and the general public, including written and oral correspondence.
Reasoning Ability: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
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. While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to stand and walk. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision.
Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually quiet.
Excess & Surplus - Production Underwriter
Underwriter job in Idaho
Make a difference with a career in insurance At The Cincinnati Insurance Companies, we put people first and apply the Golden Rule to our daily operations. To put this into action, we're looking for extraordinary people to join our talented team. Our service-oriented, ethical, knowledgeable, caring associates are the heart of our vision to be the best company serving independent agents. We help protect families and businesses as they work to prevent or recover from a loss. Share your talents to help us reach for continued success as we bring value to the communities we serve and demonstrate that Actions Speak Louder in Person.
If you're ready to build productive relationships, collaborate within a diverse team, embrace challenges and develop your skills, then Cincinnati may be the place for you. We offer career opportunities where you can contribute and grow.
Build your future with us
The Cincinnati Specialty Underwriters Insurance Company has an immediate opening for an experienced excess and surplus lines underwriter in Idaho. The candidate is required to reside within this territory or in proximity to our Fairfield, OH Headquarters.
Salary: The pay range for this position is $75,000 - $161,000 annually. The pay determination is based on the applicant's education, experience, location, knowledge, skills and abilities. Eligible associates may also receive an annual cash bonus and stock incentives based on company and individual performance.
Be ready to:
* working in partnership with producers and an assigned underwriting assistant to solicit, underwrite and price new and renewal surplus lines commercial property and casualty business
* determine individual risk acceptability, pricing, coverage, terms and conditions
* develop, analyze and evaluate information and exposures for complex risks
* achieve production and loss ratio goals within assigned regional territory
* work independently with a high level of authority and judgment
* determine need for and secure appropriate reinsurance on individual accounts
* mentor and train underwriters and underwriting assistants
* develop successful business relationships with producers and reinsurers
* research new products and coverage forms
* travel within assigned territory which may include some overnight stays
Be equipped with:
* property and casualty underwriting experience
* proficient use of Microsoft Word, Excel and Outlook
* strong interpersonal skills
* organizational and time management skills
* strong decision-making, analytical, and negotiating abilities
* desire to build relationships and listen effectively
* ability to develop positive working relationships with team members and agents by working to find possible solutions that are beneficial to all
* skilled use of verbal communication to explain, negotiate and present information and an understanding of when to use verbal or written
* a valid driver's license. Final candidates will also be subject to a Motor Vehicle Record background check, because the position may include a company vehicle
Bring education or experience from:
* bachelor's degree or extensive relevant excess and surplus lines underwriting experience
* 5 years of experience working with commercial lines property and casualty products is required
* prior excess and surplus casualty underwriting experience with a carrier, broker, or MGA is preferred
* ASLI or CPCU designations preferred
* candidates with a carrier background will be given preference; complete training is provided in Cincinnati, OH, prior to deployment to regional territory
Enhance your talents
Providing outstanding service and developing strong relationships with our independent agents are hallmarks of our company. Whether you have experience from another carrier or you're new to the insurance industry, we promote a lifelong learning approach. Cincinnati provides you with the tools and training to be successful and to become a trusted, respected insurance professional - all while enjoying a meaningful career.
Enjoy benefits and amenities
Your commitment to providing strong service, sharing best practices and creating solutions that impact lives is appreciated. To increase the well-being and satisfaction of our associates, we offer a variety of benefits and amenities.
Embrace a diverse team
As a relationship-based organization, we welcome and value a diverse workforce. We grant equal employment opportunity to all qualified persons without regard to race; creed; color; sex, including sexual orientation, gender identity and transgender status; religion; national origin; age; disability; military service; veteran status; pregnancy; AIDS/HIV or genetic information; or any other basis prohibited by law. All job applicants have rights under Federal Employment Laws. Please review this information to learn more about those rights.
Senior Loan Processor
Underwriter job in Boise, ID
CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture.
A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You'll get unwavering support from all departments and total transparency from the top down.
CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.
Position Overview:
The Sr. Loan Processor is responsible for reviewing and validating loan files, obtaining and organizing necessary documentation, and ordering third-party documentation in order to submit decision-ready files to underwriting and request clear-to-close. The Sr. Loan Processor works closely with the Loan Officer, LP2 (Contract to Close), and branch leadership, and communicates with approved third-party vendors (title/escrow, HOI, HOA/condo, AMC, VOE vendors, etc.). Borrower and agent communication is handled by the LO/LP2.
Job Responsibilities:
* Perform a thorough review and analysis of borrower's credit, employment, income, and assets as required by the particular loan program before submitting to underwriting.
* Assemble the complete loan package in proper order for underwriting.
* Verify all required documentation (pre-underwrite) in the file.
* Complete the required loan checklist.
* Verify that an application is complete and accurate; and identify any potential issues that may arise in underwriting.
* Prepare a loan approval summary, Forms 1008 and 1003, and ensure the accuracy of all the information printed on those documents.
* Communicate directly with the Loan Originator, LP2, underwriter, and approved third-party vendors to obtain initial and any missing documentation required to qualify for the loan.
* Provide feedback on approval conditions related to what has been ordered/date ordered by processing.
* Review loans for compliance with all mortgage-related regulations (RESPA, TIL, HMDA, Reg. B, etc.) and prepare required disclosures.
* Communicate with various companies to obtain Property Survey, Flood Certificate, Title Commitment, and payoff information.
* Verify that vendor orders are complete, invoices received, and in the applicant's E-file.
* Manage pipeline by completing and submitting reports within allotted turn-around times.
* Assist set-up of loans.
* Document all communication related to the loan application in the conversation log.
* Train and help supervise new loan processors and other processing personnel.
* Assist closing, secondary marketing, and loan servicing to obtain and clear outstanding suspense items from CrossCountry Mortgage, LLC. investors.
Qualifications and Skills:
* High School Diploma or equivalent.
* A minimum of 5 years' residential mortgage processing experience.
* Encompass experience.
* Working knowledge of RESPA regulations and general knowledge of all mortgage and consumer lending regulations, including but not limited to Regulation Z and Regulation B requirements, and loan documents, preferred.
* Excellent math and analytical skills.
* Excellent communication skills.
* Ability to prioritize and meet deadlines.
* Available to work varying hours and overtime if needed.
This is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position.
CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com
CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: **********************************
California residents: Please see CrossCountry's privacy statement for information about how CrossCountry collects and uses personal information about California applicants.
CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual's association with a member of a protected group or any other characteristic protected by federal, state, or local law ("Protected Characteristics"). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion.
CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit ***************************
Senior Underwriter, Surety
Underwriter job in Lake Oswego, OR
What part will you play? If you're looking for a place where you can make a meaningful difference, you've found it.
The work we do at Markel gives people the confidence to move forward and seize opportunities, and you'll find your fit amongst our global community of optimists and problem-solvers. We're always pushing each other to go further because we believe that when we realize our potential, we can help others reach theirs. Join us and play your part in something special! Primary responsibilities include: 1) independently underwrite contract bonds adhering to Markel Surety's underwriting philosophy, appropriately assessing the risk presented and properly managing that risk and 2) conduct all forms of marketing to strategically build a profitable book in a designated territory. The underwriter is to have the knowledge and apply the skills required of this position, including knowledge of required and normal ratios, risks associated with various types of construction activities, competition's underwriting attitudes and industry norms for all issues. The underwriter is the source for knowledge and information concerning bonding.What you'll be doing:
Assigned larger and more important agents/brokers
Consistently achieves budgeted financial results through superior service, account retention and responsiveness to new business submissions
Considers different approaches towards risks based upon class of business
Participates on projects having an impact on the business
Identifies and captures new business opportunities
Able to create tactical sales plans; track results and execute necessary corrective action
Open to regular visits to agents
What we're looking for:
Bachelor's degree preferred
Incumbent should have completed 3 - 5 years in an underwriting capacity
Qualified candidate has demonstrated a solid understanding of contract and subdivision bond underwriting
Ability to write and articulate in a concise and clear manner to convey complex information
Underwrites for profitable premium growth
Associate learns the nuances of the surety rate manual
Under minimal supervision makes quick sound decisions and negotiates terms and conditions consistent with underwriting authority limits, standards and within submission timeframes.
Self-sufficient with demonstrated ability to overcome obstacles
Takes ownership and responsibility for decisions and outcomes
Provides guidance and coaching to others
Assigned larger and more important agents/brokers
#LI-SY
US Work Authorization
US Work Authorization required. Markel does not provide visa sponsorship for this position, now or in the future.
Who we are:
Markel Group (NYSE - MKL) a fortune 500 company with over 60 offices in 20+ countries, is a holding company for insurance, reinsurance, specialist advisory and investment operations around the world.
We're all about people | We win together | We strive for better
We enjoy the everyday | We think further
What's in it for you:
In keeping with the values of the Markel Style, we strive to support our employees in living their lives to the fullest at home and at work.
We offer competitive benefit programs that help meet our diverse and changing environment as well as support our employees' needs at all stages of life.
All full-time employees have the option to select from multiple health, dental and vision insurance plan options and optional life, disability, and AD&D insurance.
We also offer a 401(k) with employer match contributions, an Employee Stock Purchase Plan, PTO, corporate holidays and floating holidays, parental leave.
Are you ready to play your part?
Choose ‘Apply Now' to fill out our short application, so that we can find out more about you.
Caution: Employment scams
Markel is aware of employment-related scams where scammers will impersonate recruiters by sending fake job offers to those actively seeking employment in order to steal personal information. Frequently, the scammer will reach out to individuals who have posted their resume online. These "job offers" include convincing offer letters and frequently ask for confidential personal information. Therefore, for your safety, please note that:
All legitimate job postings with Markel will be posted on Markel Careers. No other URL should be trusted for job postings.
All legitimate communications with Markel recruiters will come from Markel.com email addresses.
We would also ask that you please report any job employment scams related to Markel to ***********************.
Markel is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of any protected characteristic. This includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law.
Should you require any accommodation through the application process, please send an e-mail to the ***********************.
No agencies please.
Auto-ApplyUnderwriting Specialist, Middle Market Solutions
Underwriter job in Oregon
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℠.
Job Summary
* Underwrite profitable new and renewal business to meet LoB targets regionally including global elements
* Ownership of large accounts / clients including negotiation of participation, pricing and terms and conditions
* Training and development resource for Underwriters & Senior Underwriters
* Develop and maintain strong relationships with brokers and clients
* Specialized technical expertise / lead for at least one sub-LoB, Industry, or Product Line such as General Liability, Umbrella, Commercial Auto, Commercial Property, Workers Compensation
Responsibilities:
* Manage assigned broker portfolio of accounts to achieve efficient returns of profitability and growth
* Underwrite new and renewal accounts to meet top and bottom line targets
* Negotiate price and terms and conditions with producers
* Proactively manage capacity
* Underwrite and evaluate Natural Catastrophe Accumulation, ensuring an understanding of catastrophe modeling and interpretation of scenarios (for relevant LoBs)
* Specialist / Technical Expert in Product Line within Middle Market Business
* Underwrite International Insurance Programs (for relevant LoBs)
* Underwrite in line with LoB governance framework - e.g. Underwriting Authorities, global MSU, Underwriting Guidelines, Rules and Principles
* Ensure placing and binding of FAC Reinsurance prior to policy inception
* File maintenance - ensure file is established (whether electronic or paper) and maintained for each risk and transaction handled
* Proactively develop relationships with brokers and agents assigned within the territory to either pursue new business acquisition and / or large renewal retention
* Acquisition of new business and retention of existing business including client and broker negotiations
* Training, developing and coaching of less experienced staff (including Underwriters)
* Manage complex referrals from underwriters and spokes and re-underwrite complex business as appropriate
* Delegate work as appropriate
* Positively represent Arch externally to the market
* Proactively drive involvement of functional areas in Underwriting process, including e.g. MMC, ARC, Claims, Operations
* Develop and maintain strong relationships with key brokers and clients and other relevant stakeholders (e.g. risk managers)
Skills:
* Risk Assessment and Management: Ability to assess risk inherent exposures and natural hazards relevant to LoB
* Pricing and Market Mgt: Analyze current performance against benchmarks applying how the market operates and functions, the business needs and customer needs
* Contract Drafting and Interpretation: Design, develop and implement consistent, robust wordings
* Policy Management: Robust understanding of policy administration life cycle, information collection, policy issuance, premium bookings, credit control, cancellation.
* Communication skills: Clearly and effectively express ideas and messages via speech or writing.
* Influencing Skills: Ability to persuade and motivate others to act, without executive authority
* Analytical Skills: Ability to effectively absorb information from various sources, then analyze, study or examine data in detail, and draw appropriate conclusions.
* IT Skills (Office applications): Use general office application tools e.g. Power Point, Excel, Word.
Requirements:
* A minimum of 4+ years or Commercial Property & Casualty Underwriting experience. Middle Market experience is preferred
* Recognized established relationships with brokers at peer group level and within market
* Specialized understanding of regional / local insurance markets and competitor landscape
* Good understanding of legal and regulatory framework
* Undergraduate degree required. Economics, Finance, Insurance Management, or Business Administration is preferred
* Completion of professional insurance qualification (e.g. CPCU) is preferred
#LI-AM3
#LI-Hybrid
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.
$129,500 - $174,800/year
* 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.
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