Underwriter jobs in Concord, NC - 39 jobs

Company Details Berkley Southeast is a member company of W. R. Berkley Corporation, a Fortune 500 Company, whose insurance company subsidiaries are rated A+(Superior) by A. M. Best Company. BSIG provides local underwriting, risk services, claim, marketing and audit services for agents and policyholders in Alabama, Georgia, Mississippi, South Carolina, North Carolina and Tennessee. We take a broad approach to underwriting for 'best in class' businesses, primarily in: construction, light manufacturing, wholesale, distribution and business service industries. The Company is an equal employment opportunity employer. ************************ Responsibilities Within delegated authority levels, evaluate (selection and pricing) and maintain (control) risk acceptability and profitability within the company's underwriting guidelines and procedures for commercial risks. Partners with agents to manage a challenging and/or complex book of commercial business or agency relationships. Demonstrates complex decision-making with little or no supervision, recommending quality exceptions where appropriate to maximize profitability and meet business plans. Supports marketing activities to agents and actively participates in the agency management process. Serves as a mentor providing technical support, training, and problem solving for other underwriters. Responsible for working with and protecting confidential and proprietary customer and Company information. Key Functions will include but not be limited to: * Analyzes commercial lines accounts to make decisions based on individual risk characteristics, exposure analysis, hazard recognition and control. Utilizes underwriting guidelines to ensure compliance with state regulations. Within delegated authority levels, accepts, rejects or modifies new and/or renewal business to ensure a profitable book of business. * Prices business according to Company underwriting and pricing guidelines. Assists less experienced underwriters in the handling of high hazard or more complex accounts. Ability to use creativity and underwriting knowledge to write risks and retain business. * Partners with Territory Managers to support marketing activities by developing ongoing relationships with agents to discuss market appetite, quality and profitability of submissions, service standards, and underwriting and/or product changes. Communicates with agents on underwriting issues including decisions on cancellations, declinations, exposure concerns, and survey results. * Partners with Territory Managers to identify issues or patterns and works to resolve or improve them; participates in agency planning and review processes; and may identify sales and marketing opportunities. Takes a lead role relative to Key Account review and recommendations. * Travels, with or without Territory Manager, to assigned agent locations to develop agency partnerships. * Trains and educates agency staff on Company products, services, processes, and underwriting philosophy. * Assists in training and serves as a technical resource to other underwriters as needed. * Attend industry workshops/meetings each year. * Performs other duties as assigned. Qualifications * Four-year college degree or equivalent combination of education and work experience. * Minimum of 2-5 years commercial lines underwriting experience, including but not limited to CGL, Property, Packages, BOP, Auto, Crime, IM, Umbrella and/or WC. * CPCU Designation or other equivalent coursework preferred. * Good organizational skills, ability to handle multiple tasks and effectively prioritize. * Comprehensive knowledge of commercial lines products and contract knowledge including regulatory and policy differences among applicable states. * Demonstrated depth in negotiation, analytical and problem solving skills. * Strong computer skills and ability to work with multi-faceted systems. * Ability to effectively and independently manage complex workload while exhibiting very sound judgment. * Excellent written and verbal communication skills. * Demonstrated ability to develop and maintain relationships with agents and other departments and must also exemplify superior teamwork. * The Company is an equal employment opportunity employer. Additional Company Details We do not accept any unsolicited resumes from external recruiting agencies or firms. 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 Responsibilities Within delegated authority levels, evaluate (selection and pricing) and maintain (control) risk acceptability and profitability within the company's underwriting guidelines and procedures for commercial risks. Partners with agents to manage a challenging and/or complex book of commercial business or agency relationships. Demonstrates complex decision-making with little or no supervision, recommending quality exceptions where appropriate to maximize profitability and meet business plans. Supports marketing activities to agents and actively participates in the agency management process. Serves as a mentor providing technical support, training, and problem solving for other underwriters. Responsible for working with and protecting confidential and proprietary customer and Company information. Key Functions will include but not be limited to: - Analyzes commercial lines accounts to make decisions based on individual risk characteristics, exposure analysis, hazard recognition and control. Utilizes underwriting guidelines to ensure compliance with state regulations. Within delegated authority levels, accepts, rejects or modifies new and/or renewal business to ensure a profitable book of business. - Prices business according to Company underwriting and pricing guidelines. Assists less experienced underwriters in the handling of high hazard or more complex accounts. Ability to use creativity and underwriting knowledge to write risks and retain business. - Partners with Territory Managers to support marketing activities by developing ongoing relationships with agents to discuss market appetite, quality and profitability of submissions, service standards, and underwriting and/or product changes. Communicates with agents on underwriting issues including decisions on cancellations, declinations, exposure concerns, and survey results. - Partners with Territory Managers to identify issues or patterns and works to resolve or improve them; participates in agency planning and review processes; and may identify sales and marketing opportunities. Takes a lead role relative to Key Account review and recommendations. - Travels, with or without Territory Manager, to assigned agent locations to develop agency partnerships. - Trains and educates agency staff on Company products, services, processes, and underwriting philosophy. - Assists in training and serves as a technical resource to other underwriters as needed. - Attend industry workshops/meetings each year. - Performs other duties as assigned.

Primary Office Location:401 S Graham St. Charlotte, North Carolina. 28202.Join our team. Make a difference - for us and for your future. Business Banking Underwriter 1 Business Unit: Credit Reports to: Business Banking Underwriting Team Leader Position Overview: Responsible for preparing financial analyses of current and prospective commercial loan customers, spreading financial statements, analyzing industry and economic conditions, completing cash flow analysis, completing full underwriting presentation and performing credit investigations to make appropriate recommendations as to the creditworthiness of borrowers and protect the Bank from loss. The incumbent provides the highest quality of service to every customer. The incumbent typically works on loans/portfolios of lower complexity as the incumbent's work requires significant oversight. Primary Responsibilities: Analyzes the creditworthiness of borrowers, identifies key credit issues and prepares full written analysis according to available information and established policies and procedures accurately and timely including completion of the entire underwriting document. Utilizes software to complete financial spreads, risk ratings, covenant tests, cash flow and global cash flow accurately and timely to aid in the analysis of a borrower's creditworthiness according to established policies and procedures. Research available data including internet sources and subscription-based utilities as available and summarizes information regarding current and projected status of certain industries and borrowers of Bank services along with general economic trends and conditions according to the availability of research data to aid in the quality of lending decisions. Develops a personal program for maintaining an adequate level of knowledge in banking matters, compliance, credit analysis, policies and procedures and personal skills and demonstrates interpersonal behavior, attitude, judgment, communication and initiative with customers and employees to ensure an acceptable degree of performance. Works with manager on group-wide initiatives for process, roles and responsibilities enhancements, and/or output improvements. Performs other related duties and projects as assigned. All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program. F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions. Minimum Level of Education Required to Perform the Primary Responsibilities of this Position: BA or BS Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position: 1 Skills Required to Perform the Primary Responsibilities of this Position: Excellent project management skills Excellent communication skills, both written and verbal Excellent organizational, analytical and interpersonal skills Excellent customer service skills Ability to use a personal computer and job-related software MS Word - Basic Level MS Excel - Intermediate Level MS PowerPoint - Basic Level Knowledge of a wide range of commercial lending (C&I, IRE, Muni, and NFP), underwriting practices, and banking practices Knowledge of commercial banking policies, procedures and government regulations Licensures/Certifications Required to Perform the Primary Responsibilities of this Position: N/A Physical Requirements or Work Conditions Beyond Traditional Office Work: N/A Equal Employment Opportunity (EEO): It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.

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.

At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company's success. As a Underwriter II within PNC's Commercial Real Estate organization, you will be based in Cincinnati OH; Pittsburgh, PA; Dallas, TX; Calabasas, CA; or Charlotte, NC. PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position. **Job Description** + Works under limited supervision or independently. Using independent judgment to identify risks and mitigants, prepares and effectively recommends loan offerings based on scorecards, such as risk ratings, by analyzing credit, collateral strength and financial worthiness of loan/transaction parties and also may have limited approval and/or exception authority. Prepares offerings for specific transactions or in management of a portfolio as assigned and interacts with internal/external customers. May provide recommendations for credit structuring. + Using independent judgment to identify risks and mitigants, prepares and effectively recommends loan offerings based on scorecards, such as risk ratings, by analyzing credit, collateral strength and financial worthiness of loan/transaction parties. If relevant, performs ongoing credit risk management for assigned portfolio. + Contacts internal/external customers and other parties as appropriate to gather information and clarify inconsistent, incorrect or missing information. May include relevant pre-approval and post-approval activities. + Performs or assists with the identification and/or confirmation of all external regulatory requirements. Ensures internal policies and procedures are followed. + Makes recommendations on credit decisions or makes credit decisions directly as appropriate. + Knowledge of IRS Code Section 42 and 47, equity structures and documentation, market research (including onsite inspections and market comp analysis), and 3rd party or external guidelines. PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be: + **Customer Focused** - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions. + **Managing Risk** - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework. **Qualifications** Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position. **Preferred Skills** Credit Decisions, Decision Making, Financial Analysis, Identifying Risks, Process Improvements, Results-Oriented, Risk Assessments **Competencies** Accuracy and Attention to Detail, Credit Analysis and Verification, Decision Making and Critical Thinking, Knowledge of Underwriting, Managing Multiple Priorities, Market Research, Real Estate Development, Real Estate Practice, Real Estate Property Data Analysis, Real Estate Sales Closings and Agreements, Regulatory Environment - Financial Services **Work Experience** Roles at this level typically require a university / college degree, with 2+ years of relevant professional experience. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered. **Education** Bachelors **Certifications** No Required Certification(s) **Licenses** No Required License(s) **Pay Transparency** Base Salary: $45,000.00 - $134,550.00 Salaries may vary based on geographic location, market data and on individual skills, experience, and education. **Application Window** Generally, this opening is expected to be posted for two business days from 12/11/2025, although it may be longer with business discretion. **Benefits** PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives. In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service. To learn more about these and other programs, including benefits for full time and part-time employees, visit Your PNC Total Rewards (******************************* . **Disability Accommodations Statement** If an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.com . Please include "accommodation request" in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call ************ and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations. At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions. **Equal Employment Opportunity (EEO)** PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law. This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history. **California Residents** Refer to the California Consumer Privacy Act Privacy Notice (****************************************************************************************************** to gain understanding of how PNC may use or disclose your personal information in our hiring practices.

Applies Underwriting policy, philosophy and procedures to evaluate the acceptability of submitted or existing business. Based on qualifications and experience, this position can be filled at either an Underwriting Specialist or Senior Underwriting Specialist level. What You'll Do In this role, you will: Work closely with agency partners and internal sales partners to obtain information needed to properly underwrite, price, and program individual policies/accounts. Through the use of manuals, established procedures, and information collected works on the more complex underwriting assignments. Refer business outside of authority limit. Responsible for underwriting of the more complex, larger accounts. Evaluate established procedures for effectiveness and recommends change. Work closely with other business products functions to ensure service and quality objectives are met. These units include rating, general services, audit, safety sciences, customer accounting and customer service. Demonstrate an understanding of the insurance marketplace, and emerging industry issues. Train other underwriters, give presentations and conduct training on underwriting procedures. What it Takes Bachelor's degree or equivalent work experience Minimum of 5 years of related work experience Previous insurance underwriting experience Completion or in the process of taking insurance courses such as IIA and CPCU preferred Demonstrated knowledge of specific product line insurance concepts and terminology Comprehensive knowledge of reinsurance procedures Effective analytical, human relations, and communication skills Limited Travel What You'll Receive At Sentry, your total rewards go beyond competitive compensation. Below are some benefits and perks that you'll receive. Sentry is happy to offer flexibility through a scheduled Hybrid work model. Monday and Friday work form home if you choose to, Tuesday through Thursday in office. 401(K) plan with a dollar for dollar match on your first eight percent, plus immediate vesting to help strengthen your financial future Continue your education and career development through Sentry University (SentryU) and utilize our Tuition Reimbursement program Generous Paid-Time Off plan for you to enjoy time out of the office as well as Volunteer-Time off Group Medical, Dental, Vision, Life insurance, Parental leave, and our Health and Wellness benefits to encourage a healthy lifestyle. Well-being and Employee Assistance programs Sentry Foundation gift matching program to encourage charitable giving About Sentry We take great pride in making Forbes' list of America's Best Midsize Employers. A lot of different factors go into that honor, many of which contribute to your job satisfaction. Our bright future is built on a long track record of success. We got our start in 1904 and have been helping businesses succeed and protect their futures ever since. Because of the trust placed in us, we're one of the largest and financially strongest mutual insurance companies in the United States. We're rated A+ by A.M. Best, the industry's leading rating authority. Our headquarters is in Stevens Point, Wisconsin, with offices located throughout the United States. From sales to claims, and information technology to marketing, we enjoy a rewarding and challenging work environment with opportunities for ongoing professional development and growth. Get ready to own your future at Sentry. Opportunities await! Joe Larsen ********************* Senior Talent Acquisition Specialist Equal Employment Opportunity Sentry is an Equal Opportunity Employer. It is our policy that there be no discrimination in employment based on race, color, national origin, religion, sex, disability, age, marital status, or sexual orientation.

The Mortgage Loan Underwriter position is responsible for underwriting Conventional, FHA, and VA loans following established company, agency and investor guidelines. The underwriter evaluates mortgage loan files and assesses risk based on compliance, agency, investor, and company guidelines to ensure salability with minimal loss. Individuals in this role are required to keep current with regulatory and market changes. Ideal candidates will be service-focused with superior time-management and communication skills, have the ability to multi-task. Key responsibilities Complete thorough analysis of mortgage loan files to determine compliance with agency, company and investor guidelines to ensure salability of closed loans Review resubmitted files and documents Make and issue independent compliant loan decisions Maintain company service level and turn-time standards Respond to audits and post-closing issues in a timely manner Maintain working knowledge of agency and investor guidelines and policies Mentor processing staff on underwriting deficiencies and calculation errors Other duties as assigned Compensation -Initial hours 9-5 + OT at month end. Ability to work from home after 6 months (with one day a week in office). -Starting salary begins at $36.00/hr+ based on credentials and interview -Quarterly bonuses offered -Full Benefit package offered Qualifications 2 years' experience underwriting with strong credit, collateral, and risk analysis background preferred FHA, VA designations preferred Strong analytical decision-making and problem-solving abilities Demonstrated success in a fast-paced, high-stakes environment Excellent verbal and written communication skills Additional Information All your information will be kept confidential according to EEO guidelines.

Why Deephaven Mortgage? Deephaven Mortgage has been a pioneer and leader in non-QM since our origin in 2012. Our longevity and strength in the non-QM space has allowed a significant number of borrowers to achieve homeownership who otherwise would not have under traditional requirements. Deephaven champions mortgage borrowers whose independence, entrepreneurial drive and determination are often the very reason they cannot qualify for a traditional loan. We continuously and responsibly innovate new mortgage products and programs that put homeownership within reach of millions of borrowers and investors that need and deserve financing through lending ingenuity that is supported by common-sense underwriting. Deephaven is comprised of two lending platforms. Our wholesale channel offers loans through a network of over 1,000 independent mortgage brokers. Our correspondent channel buys loans from over 200 correspondent partners. Deephaven's headquarters are in Charlotte, North Carolina. To learn more about our innovative loan solutions please visit ************************* or email us at **************************. Job Overview In this role, you will be responsible for evaluating complex mortgage loan applications that fall outside traditional Qualified Mortgage (QM) guidelines. You will assess borrower risk based on alternative documentation, ensure compliance with company policies and investor guidelines, and play a key role in decision-making for loan approvals. What You'll Do Manually underwrite mortgage loan transactions submitted by our Correspondent and Wholesale lending clients to company and investor credit guidelines Perform quality control audits of our third-party vendor to ensure mortgage loans met all company and investor credit guidelines and requirements Review loan scenarios and communicate purchase/funding eligibility requirements to our Correspondent and Wholesale lending clients Collaborate with internal staff (e.g., Underwriters, Account Managers, Processors, Closers, Operations Management, etc.) of our correspondent lending clients, brokers and third party-vendors throughout the review process to clear purchase/funding eligibility conditions Work closely with processing staff to clear loan conditions throughout the process Assist in handling loan-level credit and compliance questions & issues and in the preparation and dissemination of updated mortgage underwriting and compliance standards and procedures Job Requirements Recent, hands-on Non-QM underwriting experience is required, including, but not limited to: DSCR Bank Statement (personal & business) P&L-only qualification Asset Depletion Multi-family Experience underwriting HELOCs and 2nd mortgages strongly preferred. 15+ years of experience as an underwriter Ability to manually calculate income across all Non-QM programs, including complex self-employed borrower profiles, layered income sources, and variable cash flow. Demonstrated ability to independently review and clear: Title commitments & supporting documentation Appraisal reports (including complex or unique property types) Full condo project reviews (warrantable, non-warrantable, new construction, and small projects) Proficiency in Encompass, with the ability to navigate workflows, analyze documentation, and manage conditions efficiently. High-volume underwriting background, managing 50+ initial underwrites per month while maintaining quality, accuracy, and fast SLAs. Strong understanding of Non-QM guidelines, investor overlays, compensating factors, and risk layering. Excellent communication skills with the ability to clearly document decisions and collaborate with sales, processors, and closers. Strong critical-thinking, independent-decision-making, and problem-solving skills. Commitment to loan quality, compliance, and responsible lending. Compensation The base pay for this position starts at $48.08 per hour, plus a performance based monthly bonus plan. This organization participates in E-Verify Our Perks Flexible Time to Recharge - Personalized Time Off for What Matters (because rest isn't one-size fits all) Future Finance Focused - Generous employer-matched 401(k) plan Community Connect- Philanthropy Committee that creates charitable initiatives Health from Day One - Comprehensive health insurance starting on day one of employment Family Matters - Competitive maternity and paternity leave Culture & Celebrations - Culture Committee with team-building events and celebrations Ideas Welcome - Encouraging thought leadership and innovation Guidance & Growth - Mentorship opportunities for career development Perk Up - Exclusive discounts on travel, tech, pets, legal, and more

Primary Office Location: 401 S Graham St. Charlotte, North Carolina. 28202. Join our team. Make a difference - for us and for your future. Business Banking Underwriter 1 Business Unit: Credit Reports to: Business Banking Underwriting Team Leader Position Overview: Responsible for preparing financial analyses of current and prospective commercial loan customers, spreading financial statements, analyzing industry and economic conditions, completing cash flow analysis, completing full underwriting presentation and performing credit investigations to make appropriate recommendations as to the creditworthiness of borrowers and protect the Bank from loss. The incumbent provides the highest quality of service to every customer. The incumbent typically works on loans/portfolios of lower complexity as the incumbent's work requires significant oversight. Primary Responsibilities: Analyzes the creditworthiness of borrowers, identifies key credit issues and prepares full written analysis according to available information and established policies and procedures accurately and timely including completion of the entire underwriting document. Utilizes software to complete financial spreads, risk ratings, covenant tests, cash flow and global cash flow accurately and timely to aid in the analysis of a borrower's creditworthiness according to established policies and procedures. Research available data including internet sources and subscription-based utilities as available and summarizes information regarding current and projected status of certain industries and borrowers of Bank services along with general economic trends and conditions according to the availability of research data to aid in the quality of lending decisions. Develops a personal program for maintaining an adequate level of knowledge in banking matters, compliance, credit analysis, policies and procedures and personal skills and demonstrates interpersonal behavior, attitude, judgment, communication and initiative with customers and employees to ensure an acceptable degree of performance. Works with manager on group-wide initiatives for process, roles and responsibilities enhancements, and/or output improvements. Performs other related duties and projects as assigned. All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program. F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions. Minimum Level of Education Required to Perform the Primary Responsibilities of this Position: BA or BS Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position: 1 Skills Required to Perform the Primary Responsibilities of this Position: Excellent project management skills Excellent communication skills, both written and verbal Excellent organizational, analytical and interpersonal skills Excellent customer service skills Ability to use a personal computer and job-related software MS Word - Basic Level MS Excel - Intermediate Level MS PowerPoint - Basic Level Knowledge of a wide range of commercial lending (C&I, IRE, Muni, and NFP), underwriting practices, and banking practices Knowledge of commercial banking policies, procedures and government regulations Licensures/Certifications Required to Perform the Primary Responsibilities of this Position: N/A Physical Requirements or Work Conditions Beyond Traditional Office Work: N/A Equal Employment Opportunity (EEO): It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.

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

Primary Office Location:401 S Graham St. Charlotte, North Carolina. 28202.Join our team. Make a difference - for us and for your future. Business Banking Underwriter 1 Business Unit: Credit Reports to: Business Banking Underwriting Team Leader Position Overview: Responsible for preparing financial analyses of current and prospective commercial loan customers, spreading financial statements, analyzing industry and economic conditions, completing cash flow analysis, completing full underwriting presentation and performing credit investigations to make appropriate recommendations as to the creditworthiness of borrowers and protect the Bank from loss. The incumbent provides the highest quality of service to every customer. The incumbent typically works on loans/portfolios of lower complexity as the incumbent's work requires significant oversight. Primary Responsibilities: Analyzes the creditworthiness of borrowers, identifies key credit issues and prepares full written analysis according to available information and established policies and procedures accurately and timely including completion of the entire underwriting document. Utilizes software to complete financial spreads, risk ratings, covenant tests, cash flow and global cash flow accurately and timely to aid in the analysis of a borrower's creditworthiness according to established policies and procedures. Research available data including internet sources and subscription-based utilities as available and summarizes information regarding current and projected status of certain industries and borrowers of Bank services along with general economic trends and conditions according to the availability of research data to aid in the quality of lending decisions. Develops a personal program for maintaining an adequate level of knowledge in banking matters, compliance, credit analysis, policies and procedures and personal skills and demonstrates interpersonal behavior, attitude, judgment, communication and initiative with customers and employees to ensure an acceptable degree of performance. Works with manager on group-wide initiatives for process, roles and responsibilities enhancements, and/or output improvements. Performs other related duties and projects as assigned. All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program. F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions. Minimum Level of Education Required to Perform the Primary Responsibilities of this Position: BA or BS Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position: 1 Skills Required to Perform the Primary Responsibilities of this Position: Excellent project management skills Excellent communication skills, both written and verbal Excellent organizational, analytical and interpersonal skills Excellent customer service skills Ability to use a personal computer and job-related software MS Word - Basic Level MS Excel - Intermediate Level MS PowerPoint - Basic Level Knowledge of a wide range of commercial lending (C&I, IRE, Muni, and NFP), underwriting practices, and banking practices Knowledge of commercial banking policies, procedures and government regulations Licensures/Certifications Required to Perform the Primary Responsibilities of this Position: N/A Physical Requirements or Work Conditions Beyond Traditional Office Work: N/A Equal Employment Opportunity (EEO): It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.

Chubb is seeking a dynamic and results-oriented Senior Underwriter to drive growth initiatives in the consolidation team and manage large portfolio opportunities. This role requires leveraging Chubb's full suite of Property and Casualty products to craft tailored solutions for our clients, in a growing market opportunity. The ideal candidate will possess a strong commercial multi-line underwriting acumen and demonstrate exceptional problem-solving skills, with a focus on profitability and growth. Major Duties & Responsibilities: Underwriting responsibilities include evaluating, accepting, rejecting, or modifying Small Business risks within established underwriting guidelines and authority Demonstrate strong underwriting quality and profitability through appropriate risk assessment and documentation Takes ownership for an assigned territory and communicates underwriting decisions quickly and effectively with assigned agents. Assigned territory to include specific book consolidation deal by producer. Develop and maintain strategic relationships with Business Development Leaders and Operations Leads to enhance profitability and growth within the assigned territory Identify and capitalize on enterprise cross-sell opportunities using Chubb's comprehensive product suite Understand the unique needs of large portfolio clients and collaborate with agents to deliver Chubb's value proposition effectively Create, implement, and execute strategic agency plans in partnership with Operations Leads to drive business results Minimum 3 years experience in multi-line underwriting within the Small and Lower Middle Market space, with a proven track record in managing large portfolios Must possess a strong commercial multi-line underwriting acumen with the ability to handle and make rapid decisions on small business risks Demonstrate tenacious problem solving skills and the ability to adapt to change as the company advances its strategic vision Strong sales acumen, effective communication and creative marketing skills are critical; must be able to demonstrate success with managing tight time frames, high volumes of work, agency relationships and positioning Chubb's strengths within Small Business and Lower Middle Market Exhibit a strong entrepreneurial attitude needed to build a high performing territory A strong track record of service orientation is required. Knowledge and proficiency with technical issues, compliance, coverage, products and pricing strategies expected Proficient in using the company's commercial rating and policy issuance systems and software programs (MS Word, Excel) needed to conduct daily business Travel Bachelor's degree or equivalent work experience

Company Details Berkley Southeast is a member company of W. R. Berkley Corporation, a Fortune 500 Company, whose insurance company subsidiaries are rated A+(Superior) by A. M. Best Company. BSIG provides local underwriting, risk services, claim, marketing and audit services for agents and policyholders in Alabama, Georgia, Mississippi, South Carolina, North Carolina and Tennessee. We take a broad approach to underwriting for ‘best in class' businesses, primarily in: construction, light manufacturing, wholesale, distribution and business service industries. The Company is an equal employment opportunity employer. ************************ Responsibilities Seeking a Director, Corporate Underwriter who will provide expertise, guidance, and support to our regional offices to ensure that the Underwriting team is adequately equipped and supported to achieve Company growth and profitability objectives. You will develop underwriting guidance as a key member of the underwriting team and administer underwriting best practices consistent with Berkley Southeast Insurance Group profit and production objectives. Key functions include but are not limited to the following: • Provides underwriting guidance that demonstrates an effective balancing of corporate profit and production objectives. • Develops and implements underwriting guidelines; monitors underwriting quality to ensure proper execution of underwriting guidelines and underwriting appetite, and potential new program opportunities. • Monitors product, class, state, and Profit Center performance for assigned areas of responsibility. • Conducts portfolio reviews to identify loss drivers, makes recommendations to improve underwriting quality. • Works in conjunction with actuarial staff, systems, and Corporate Underwriting Directors to develop/revise proprietary forms; reviews and completes necessary Rate, Rules, Forms and State filings. • Collaborates with Corporate Underwriting Directors and underwriters on referral accounts. • Develops and conducts regular training sessions designed to increase technical proficiency of underwriting staff. • Promotes consistency and quality of underwriting performance through the execution of the BSIG Quality Control Program and Profit Center audits. Consults with Underwriting Leadership concerning changes to Underwriter authority based on quality review information and assessment of Underwriter technical knowledge. • Keeps abreast of industry developments, including participation in appropriate industry meetings, seminars, and education sessions. • Understands BSIG's business and the factors that affect its success. • Other underwriting related projects as assigned. Qualifications Bachelors Degree in relevant discipline or equivalent combination of education and experience. Five or more years of progressive Commercial Lines Insurance experience, demonstrating a high level of technical underwriting skills. Casualty and/or Property underwriting experience including the following lines of business; Property, General Liability, Automobile, Worker's Compensation and Umbrella Preferred CPCU or CIC designation Demonstrates the ability to analyze a variety of situations effectively and to present logical solutions to problems. Demonstrates strong communication, interpersonal and negotiation skills to deal with all levels of staff and management. Demonstrates organizational skills necessary to prioritize and handle multiple tasks. Solid knowledge of insurance products/coverage, market segments and marketplace. Action oriented with a strong drive to achieve results. The Company is an equal employment opportunity employer. Additional Company Details We do not accept any unsolicited resumes from external recruiting agencies or firms. 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

The Index Analyst role sits within the Benchmark and Index Management division! The Index Review team are ultimately responsible for the daily management of the FTSE Russell index / product portfolio, specifically the data management, corporate action & event management, constituent portfolio management and the production of client content. It is a global group, with teams in Hong Kong, Taipei, London, and Fort Mill. The group operates a follow the sun model with work as a single team across the different time-zones. Key Responsibilities As a member of the Index Management team, the individual will be responsible for the support/assisting of the day-to-day management of the FTSE Russell Indexes and Products. Key areas of responsibility will include: Completion of daily FTSE Russell production checklists including creating and checking FTSE Russell Products, to strict deadlines as assigned by your line manager. Supporting the quarterly rebalance process of indexes and/or the associated implementation of any changes, in accordance with review schedule. Using all available data sources including data vendors, stock exchanges and regulatory filings to research and analyze corporate actions and the respective impact on the FTSE Russell indexes. Detailed research and analysis of corporate event information and compilation of client notifications. Maintain and update stock information and other required data in a timely and accurate manner, ensuring the highest quality to FTSE Russell data. Escalate any issues/concerns to the line manager and report exceptions in a timely manner. Accurate monitoring of FTSE Russell real time indexes and timely resolution of issues. Timely investigation and resolution of any client queries relevant to your role and areas of expertise. Highlight and recommend process improvements to your line manager that will improve the levels of quality, productivity & client service. Participate in projects or initiatives as needed such as writing procedures. Ensure that all of your tasks have been completed in accordance with your checklist(s) and procedures. Strive to constantly improve your skills through training & development. Support the onboarding of new business to the team. Actively contribute to the training and onboarding of new team members. Promote teamwork and collaboration across teams (including other offices), actively encouraging interaction and providing assistance to others where required. Please note that the working hours for this position can vary as the business needs require. This means that weekend work, extended hours, and market holiday coverage can and will be expected to meet critical business deadlines. Candidate Profile / Key Skills Qualifications/Experience It is expected that with limited supervision the individual will deliver each of the key objectives of the role identified above, working to strict deadlines and to the highest degree of accuracy. A minimum of a Bachelor degree preferred. Proficient in Microsoft Excel Experience within the financial industry, ideally working with corporate actions and company data. Working knowledge and understanding of global financial markets and products, incorporating indexes, is essential. Ability to work to strict deadlines and manage workloads effectively in a pressured environment. A proven track record for achievement in delivering a high quality service. TYPE OF PERSON Ability to multi-task and work on multiple systems simultaneously. Dynamic, enthusiastic and responsive to change. Ability to work to tight deadlines and under pressure. Logical and structured approach. Excellent interpersonal, communication and motivational skills. Ability to pay meticulous attention to detail. Effective written and spoken communication and presentation skills. GENERAL Comfortable with flexible hours team player Highly motivated Self-starter Join us and be part of a team that values innovation, quality, and continuous improvement. If you're ready to take your career to the next level and make a significant impact, we'd love to hear from you. LSEG is a leading global financial markets infrastructure and data provider. Our purpose is driving financial stability, empowering economies and enabling customers to create sustainable growth. Our purpose is the foundation on which our culture is built. Our values of Integrity, Partnership, Excellence and Change underpin our purpose and set the standard for everything we do, every day. They go to the heart of who we are and guide our decision making and everyday actions. Working with us means that you will be part of a dynamic organisation of 25,000 people across 65 countries. However, we will value your individuality and enable you to bring your true self to work so you can help enrich our diverse workforce. We are proud to be an equal opportunities employer. This means that we do not discriminate on the basis of anyone's race, religion, colour, national origin, gender, sexual orientation, gender identity, gender expression, age, marital status, veteran status, pregnancy or disability, or any other basis protected under applicable law. Conforming with applicable law, we can reasonably accommodate applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. You will be part of a collaborative and creative culture where we encourage new ideas. We are committed to sustainability across our global business and we are proud to partner with our customers to help them meet their sustainability objectives. Our charity, the LSEG Foundation provides charitable grants to community groups that help people access economic opportunities and build a secure future with financial independence. Colleagues can get involved through fundraising and volunteering. LSEG offers a range of tailored benefits and support, including healthcare, retirement planning, paid volunteering days and wellbeing initiatives. Please take a moment to read this privacy notice carefully, as it describes what personal information London Stock Exchange Group (LSEG) (we) may hold about you, what it's used for, and how it's obtained, your rights and how to contact us as a data subject. If you are submitting as a Recruitment Agency Partner, it is essential and your responsibility to ensure that candidates applying to LSEG are aware of this privacy notice.

The Commercial Underwriter underwrites medium to complex commercial relationships mainly in the area of Commercial & Industrial and Investment Real Estate relationships in excess of $1 million. The Commercial Underwriter is responsible for completing spreads and financial analysis, understanding and identifying policy and guideline exceptions, evaluating the repayment capacity of the borrower and understanding basic loan structure and documentation in order to evaluate terms and conditions of loan proposals. This position works directly with lending professionals such as our Commercial Lenders, Commercial Regional Executives and Regional Credit Executives. The Commercial Underwriter may be asked to supplement analysis and discussion at the bank's loan committee. Analysis includes, but is not limited to, the financial condition of the borrower, likelihood of achieving projections, relevant market and industry data, evaluation of repayment capacity, and complex individual tax returns. The Commercial Underwriter also interacts with a variety of external professionals and represents the bank in interactions with bank clients and other professionals, including client-facing responsibilities. ESSENTIAL JOB FUNCTIONS: Works independently on moderate to complex financial analysis with minimal guidance from members of the credit leadership team and other Commercial Underwriters Underwrites commercial loan relationships within established service levels Independently constructs financial models and performs financial analysis, including but not limited to, repayment capacity, discounted cash flows, and enterprise valuation Identifies underwriting policy and guideline exceptions using working knowledge of established policies and procedures Maintains working knowledge of best practice and regulatory issues Assists in the preparation of Industry Studies as assigned that include, but are not limited to, i) a review of the regional and national markets, ii) analysis of the performance of the bank's portfolio, iii) analysis of the financial stability of the industry and key risks, iv) recommendation to senior and executive management regarding segment limits which ultimately are presented to the bank's board of directors for approval May be asked to participate in internal or cross-functional process improvement projects and other management reports May be asked to participate in or lead the validation of various reports and industry information Authors annual reviews of assigned relationships with minimal supervision Assists with industry research as assigned JOB REQUIREMENTS: Bachelor's degree in Finance or Accounting and/or Economics with sufficient credits in Accounting Demonstrates an understanding of credit management, credit operations, and commercial lending Demonstrates a basic understanding of commercial loan structure and documentation Prior experience in credit analysis or financial analysis KNOWLEDGE/SKILLS REQUIRED: Excellent customer service skills Excellent business writing skills Strong verbal and written communication skills Excellent interpersonal skills High level of attention to detail, with strong problem solving & organizational skills Ability to perform effectively in fast-paced environment, multi-task and prioritize workflow Working Knowledge of Microsoft Office, especially Word, Excel Working knowledge of loan accounting systems and financial statement spreading systems preferred PHYSICAL AND MENTAL QUALIFICATIONS: Standing, walking, bending and stooping required Must be able to sit at a desk for long periods of time and use a computer Must be able to occasionally move or lift up to 10 pounds May be asked to work supplemental hours periodically Limited travel required occasionally during and after business hours The above statements are intended to describe the general nature and level of work being performed by the incumbent assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and/or skills required of all personnel so classified. NOT A CONTRACT

Phoenix, Arizona;Charlotte, North Carolina; Elma, New York; Saint Louis, Missouri **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (******************************************************************************************************************************************* **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Job Description:** This job is responsible for performing risk assessment and repayment capacity analysis (i.e., financial, borrower, industry, etc.) and preparing transaction justification for moderately complex/complex transactions with limited oversight. Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, and monitoring portfolio performance. We are seeking a detail-oriented and experienced Credit Underwriter with specialized knowledge in agriculture and food products lending. This role is responsible for evaluating credit risk and underwriting commercial loans within the agribusiness sector, including producers, processors, distributors, and retailers of agricultural commodities and food product _s._ **Responsibilities:** + Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility + Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions + Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities + Delivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision-making process + Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements + Analyze financial statements, cash flow projections, and industry trends specific to agriculture and food-related businesses. + Maintain up-to-date knowledge of market conditions, commodity pricing, and regulatory developments affecting agribusiness lending. + Escalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriate + Participates in Regional and Market meetings to communicate credit delivery best practices and results + Participate with RM or CO's to negotiate Credit Agreements & loan documents, as needed. **_ _** **Required Qualifications:** + 5-7 plus years of solid experience in Commercial Banking performing financial analysis, structuring, underwriting and portfolio management **_,_** _preferably with prior credit approval authority._ + Strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring. + Formal commercial credit training OR equivalent work experience. + Prior experience in a high-volume production environment **Desired Qualifications:** + Knowledgeable of the closing process & timeline for all types of loans (i.e. real estate, revolvers, etc.) + Prior leadership and credit management experience. + Superior teamwork skills in the commercial market space. + Bachelor's degree, Master's Degree preferred, in business administration, finance, accounting or economics **Skills:** + Attention to Detail + Credit and Risk Assessment + Financial Analysis + Underwriting + Written Communications + Analytical Thinking + Credit Documentation Requirements + Financial Forecasting and Modeling + Recording/Organizing Information + Business Acumen + Collaboration + Collateral Management + Loan Structuring + Prioritization **Minimum Education Requirement:** High School Diploma / GED / Secondary School or equivalent **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

Genesis Capital (the “Company”) is one of the largest business purpose lenders in the country, focused on providing commercial real estate financing solutions to real estate developers who buy, renovate, and sell single-family and/or multi-family residential real estate. The Company is a subsidiary of Rithm Capital (parent company), a publicly traded mortgage real estate investment trust. The Loan Analyst - East (LA) is responsible for assisting the origination team, primarily the Relationship Associate, to convert a loan application into a funded loan by assisting the origination team in getting the loan through the Genesis origination process. The LA will communicate both internally, with third party vendors, and the borrower to support the funding of loans in a timely manner while providing an excellent customer experience throughout the loan process. Principal Duties: ESSENTIAL FUNCTIONS include the following. Other duties may be assigned. Manage a high-volume loan pipeline and ensure loans close as scheduled and in compliance. Ensure third-party vendor orders are placed and received within agreed upon Service Level Agreement (SLA). Conduct quality control of transactional documents such as title commitments, purchase contracts, escrow instructions, deeds, closing statements and other documentation common to purchase and refinance transactions. Familiarity with assignments, double escrow, cash purchases, auction purchases, non-arm's length transactions and other non-traditional circumstances is a plus. Coordinate lien resolution with title (and third parties) such as city liens, substandard liens, subordinate liens. Prepare and submit complete loan files for asset underwriting. Pipeline management and collaboration with multiple internal departments for closing including Evaluations, Asset and Construction Underwriting, Docs and Legal Update internal loan processing system which include data fields, transactional documentation, and notes. Responsible for requesting and reviewing prior to doc, prior to funding and post-closing conditions. Responsible for releasing loan documents and coordinating signing with Notary Public as needed. Demonstrates problem solving skills and sound judgment by gathering and applying relevant data to research and resolve issues. Perform functions to move loans quickly through the pipeline, including but not limited to: Input and request title, escrow, insurance, flood certification Request 3rd party vendor orders Request signature block Assist Relationship Associate in reviewing/clearing conditions Create a positive customer experience by effectively and comprehensively communicating Genesis's needs list and timelines for loans and funding. Maintain and update pipeline status, funding dates, etc. to support pipeline management on a regular basis. Assist in the maintenance of an extensive Genesis digital filing system according to internal guidelines and naming conventions. Perform other functions and assist with other projects as assigned. Education and Experience 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. Must have high school diploma, bachelor's degree preferred. Minimum 1 to 2 years' experience working in the real estate related industry preferred. Experience in private money lending, underwriting or construction finance a plus Understanding of mortgage underwriting and funding process Excellent customer service skills Detail oriented and organized with ability to multi-task Self-motivated with strong desire to succeed Understanding of the real estate or financial services sector Strong verbal and written communication skills Ability to interface with high-powered clients and their teams. Team player with a positive attitude Ability and desire to work in a fast-paced, deadline-oriented environment. Ability to work with little supervision and take ownership of responsibilities. Adaptability to perform well in a changing, fast-paced work environment. Knowledge, Skills, and Abilities Detail oriented and organized with ability to multi-task. Self-motivated with strong desire to succeed. Understanding of the real estate or financial services sector. Strong verbal and written communication skills. Ability to interface with high-powered clients and their teams. Team player with a positive attitude. Ability and desire to work in a fast-paced, deadline-oriented environment. Ability to work with little supervision and take ownership of responsibilities. Adaptability to perform well in a changing, fast-paced work environment. While this description is intended to be an accurate reflection of the position's requirements, it in no way implies/states that these are the only job responsibilities. Management reserves the right to modify, add or remove duties and request other duties as necessary. Equal Employment Opportunity We're proud to be an equal opportunity employer- and celebrate our employees' differences, including race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, and Veteran status. Different makes us better. CA Privacy Policy CA Notice at Collection

The Mortgage Loan Underwriter position is responsible for underwriting Conventional, FHA, and VA loans following established company, agency and investor guidelines. The underwriter evaluates mortgage loan files and assesses risk based on compliance, agency, investor, and company guidelines to ensure salability with minimal loss. Individuals in this role are required to keep current with regulatory and market changes. Ideal candidates will be service-focused with superior time-management and communication skills, have the ability to multi-task. Key responsibilities Complete thorough analysis of mortgage loan files to determine compliance with agency, company and investor guidelines to ensure salability of closed loans Review resubmitted files and documents Make and issue independent compliant loan decisions Maintain company service level and turn-time standards Respond to audits and post-closing issues in a timely manner Maintain working knowledge of agency and investor guidelines and policies Mentor processing staff on underwriting deficiencies and calculation errors Other duties as assigned Compensation -Initial hours 9-5 + OT at month end. Ability to work from home after 6 months (with one day a week in office). -Starting salary begins at $36.00/hr+ based on credentials and interview -Quarterly bonuses offered -Full Benefit package offered Qualifications 2 years' experience underwriting with strong credit, collateral, and risk analysis background preferred FHA, VA designations preferred Strong analytical decision-making and problem-solving abilities Demonstrated success in a fast-paced, high-stakes environment Excellent verbal and written communication skills Additional Information All your information will be kept confidential according to EEO guidelines.

New York, New York;Chicago, Illinois; Charlotte, North Carolina; Atlanta, Georgia **To proceed with your application, you must be at least 18 years of age.** Acknowledge Refer a friend **To proceed with your application, you must be at least 18 years of age.** Acknowledge (*************************************************************************************************************************************** **:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us! **Job Description:** This job is responsible for performing risk assessment and repayment capacity analysis (i.e., financial, borrower, industry, etc.) and preparing transaction justification for moderately complex/complex transactions with limited oversight. Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing loan structure analysis and recommendations, and monitoring portfolio performance. **Responsibilities:** + Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility + Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions + Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities + Delivers financial modeling, loan structure, industry, economic, and other analysis to team members to support the loan decision-making process + Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements + Analyzing new prospects for credit quality and ABL potential, including financials and projections + Evaluate collateral from a broad spectrum of industries for suitability for asset-based facilities. + Assist in negotiation of term sheets and credit agreements with prospective clients. + Prepare internal documentation to evaluate new opportunities to include pre-screens and final approval documentation. + Work closely with risk management on approvals; present borrower and structure to risk committee in order to secure deal approval + Work with outside counsel and other third parties, including appraisers and field examiners, to document and close transactions **Required Qualifications:** + 7+ years' experience credit, underwriting, and structuring of corporate lending transactions. + Deep knowledge of and ability to work with Legal Documentation (commitment papers, term sheets, credit agreements, intercreditor agreements, etc.) + Able to establish and maintain collaborative partnerships with both internal and external clients. + Demonstrates strong team-minded behavior; can work constructively to create win-win solutions that build trust. + Demonstrates deep and broad business acumen - a strong businessperson with credit and technical skills. + Easily navigates multiple client and support organizations; able to engage and gather resources through various business partners in order to achieve successful outcomes. **Desired Qualifications:** + 10+ years asset-based experience + Familiarity with asset-based lending across broad industries, including specific sector risks and nuances + BA/BS Degree with concentration in Finance, Accounting or related **Skills:** + Attention to Detail + Credit and Risk Assessment + Financial Analysis + Underwriting + Written Communications + Analytical Thinking + Credit Documentation Requirements + Financial Forecasting and Modeling + Recording/Organizing Information + Business Acumen + Collaboration + Collateral Management + Loan Structuring + Prioritization **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your **"Know your Rights (************************************************************************************** "** poster. **View the LA County Fair Chance Ordinance (************************************************************************************************** .** Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.

Currently seeking qualified candidates for a full time opportunity as a senior loan processor with our client company. Perform duties of Conventional, USDA, FHA, and VA loan processing, closing and preliminary underwriting. Process loan applications from initial set-up through funding, striving to obtain loan approvals within 30 days of application date. Must have 18 months' experience as Loan Processor I or Loan Processor II roles, 18 months' experience of FHA/VA/Conventional loan closing, automated processing and closing experience. Qualifications Required Skills: High volume production experience Conventional, FHA, and VA experience (both purchases and refi's) Must be able to work overtime Exceptional attention to detail is required as is the ability to multi-task during the day. Strong typing skills. Solid computer skills with an emphasis on Microsoft Office. Strong verbal and written communication skills. Organizational skills are required due to the various tasks and attention to detail that each involves. Desired Skills: Processing experience Funding experience Loan document review experience This role is salaried at 40K-60K. Please submit a resume for consideration. Additional Information All your information will be kept confidential according to EEO guidelines.