Underwriter, Wholesale, Specialty Products
Underwriter job in Franklin, TN
**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.
Production Underwriter
Underwriter job in Nashville, TN
Company Details
With over 35 years of proven expertise in the workers' compensation industry, Key Risk delivers innovative and responsive solutions that provide our clients the freedom to do what they do best. Offering guaranteed cost options to employers nationwide, Key Risk focuses on delivering products and services within specialized verticals to reduce workers' compensation exposures and deliver industry-leading results.
All products and services are distributed through appointed insurance agents and brokers. Key Risk is a member company of W. R. Berkley Corporation, whose insurance company subsidiaries are rated A+ (Superior), Financial Size Category XV by A.M. Best Company and A+ (Strong), by S&P.
For further information about Key Risk please visit ***************
The company is an equal opportunity employer.
Responsibilities
Key Risk is looking for an enthusiastic and experienced Production Underwriter with established relationships to join our team. The successful candidate will be responsible for contributing to the achievement of the team's profit plan through proper risk selection, agency management, and communication of Key Risk's value proposition.
Key functions include but are not limited to the following:
Underwrite accounts over $25,000 within established underwriting authority
Manage a book of business totaling a minimum of $10,000,000
Develops and maintains relationships with 10-20 retail agencies or wholesalers
Responsible for a moderate number of agencies including President's Club producers
Achieves/exceeds planned accident year loss ratio, rate change, renewal retention and new business goals
Takes initiative to recommend potential improvements in underwriting principles, techniques or appetite
Complies with insurance filings and regulatory requirements
Researches new market niches, serves as an industry lead, and participates in special projects
Establishes a knowledge base of agency needs, staff, target markets, and contracted insurers
Performs agency evaluations and establishes agency goals within required time frames and expectations
Participates effectively in new and renewal team sales activities and client meetings to obtain and retain profitable business
Qualifications
BA/BS Degree
CPCU, CIC, or AU designation preferred
3+ years of workers compensation underwriting and/or sales experience with the full array of industrial classes, deductibles and dividend plans.
Understands loss development and can objectively assess workplace hazards, hazard controls and employer financials
Self-motivated and results oriented
Strong book management skills with the ability to work independently and as a team member
Capable of working with internal and external teams and partners
Superior customer service skills
Additional Company Details We do not accept unsolicited resumes from third party 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
Auto-ApplyField Underwriter
Underwriter job in Murfreesboro, TN
INSURANCE SALES REPRESENTATIVE - REMOTE SALES - WORK FROM ANYWHERE!
We offer Part-time and Full-time job opportunities everywhere in the United States.We are looking for motivated people who want to become financially independent and get a sense of significance in their work. We offer LICENSED PRODUCERS a very good opportunity for financial freedom! In addition, we help UNLICENSED AGENTS get through the LICENSING REQUIREMENTS and provide free training to help them achieve their goals.
WHO WE ARE
We are an independent broker of Living Benefits Life Insurance. We represent some of the largest insurance carriers in the USA and Canada. This is a place agents can (1) be their own boss and set their own schedules; (2) gain financial independence; and (3) get the respect and recognition they deserve.
What do distributors do?
We are hiring and training men and women to distribute a revolutionary new type of life insurance with Living Benefits. This allows the policy holder to accelerate the death benefit for their own use while they are still living. Living benefits are the best-kept secret of life insurance. This new type of insurance practically sells itself. These insurance agents service middle income America and we are looking for entrepreneurs who want to build their own distribution network. We are partnering with agency owners with a current sales force or we will train you to hire and build your own agency.
The absolute best compensation in the industry - you literally determine your own income and income potential. Agents can earn commissions in excess of 140% of sales!
We have an unmatched and proven hiring and onboarding system in place.
Great carrier overrides and bonuses!
Job requirements
Life insurance license or willing to obtain one.
You will need a valid drivers license and vehicle to travel to and from client appointments. Cell and laptop/tablet and/or IPAD are required as well.
What do we offer?
If you currently have a Life Insurance license, then you can be in the field within one week
If you do not have a Life Insurance License, no problem! We can show you how to get one very easily - Most complete the requirements in one week or less!
There is no income cap and we offer weekly bonuses, monthly bonuses, and a profit sharing program.
Disclaimer: Compensation is 100% Commission and Bonus. Please be aware before applying for position
Training is 100% FREE and it is the absolute best in the industry. We will train you to call, set, and run appointments from your home office.
We offer the best leads in the industry. Our leads are new, qualified, and affordable. We have access to multiple vendors which ensures our agents high quality, low cost leads.
Renewals are 100% vested from day one - there is no waiting period!
Flexible schedule - you are your own boss and you set your own schedule
Opportunity for advancement into leadership and management roles.
Senior Mortgage Loan Underwriter
Underwriter job in Nashville, TN
Critical features of this job are described under the headings below. They may be subject to change due to changes in our business processes or other business-related reasons. Reviews mortgage loan applications submitted by Originating Agents, assessing compliance/conformity with organization regulations and Federal Housing Administration (FHA), Veterans Administration (VA), United States Department of Agriculture/Rural Development (USDA/RD), Federal Home Loan Mortgage Corporation (Freddie Mac), Federal National Mortgage Association (Fannie Mae) and Private Mortgage Insurance (PMI) regulations and determining action to be taken; maintains on-going communication and relationships with lenders, realtors, consumers, etc.
ESSENTIAL DUTIES AND RESPONSIBILITIES
* Essential duties and responsibilities include the following. Other duties may be assigned.
* Reviews loan applications timely to determine conformity and compliance to Agency and THDA's guidelines; determines actions to be taken.
* Accurately reviews and determines household and qualifying income eligibility for potential homeowners for the Mortgage Revenue Bond (MRB) and Mortgage Backed Security (MBS) programs; works directly with OA regarding any inaccuracies with the income.
* Accurately verifies loan information in loan origination system, updates information if needed; reviews automated underwriting findings to verify accurate and complete documentation provided in the mortgage loan file; works directly with the lender regarding any deficiencies.
* Reviews application disclosures to ensure loan and timing meets CFPB, RESPA and other federal guidelines.
* Reviews appraisals to determine properties meet Agency and THDA's guidelines.
* Seeks guidance from the Mortgage Underwriting Manager and/or Director of Loan Operations as needed. Maintains a high level of written and oral professional communication with Originating Agents to ensure accurate and timely receipt of all required documentation for a timely loan closing.
* Reviews outstanding/pended documentation in a timely manner; transmits commitments, and Enforceable Obligation Letter (if required) to lender Provides initial review of exception requests and obtains final approval from Manager and/or Director; including extension and/or modification of commitment requests.
* Manages pipeline in a timely manner to ensure closing deadlines and rate lock expirations are not exceeded.
* Establishes and maintains relationships by answering the General Information Underwriting Line or SFAsk email box, in a businesslike manner; subject matter expert providing technical program support to lenders, realtors, potential new Originating Agents, borrowers and other internal Divisions.
* Offers support to other areas in the division, as necessary or as time allows.
* Works closely with post-closing section to update commitments, review "at closing" conditions or resolve closing issues.
MINIMUM QUALIFICATIONS
The requirements listed below are representative of the knowledge, skills, and/or abilities required.
Education and Experience:
* High school diploma or equivalent GED.
* Three years of directly related mortgage underwriting approval experience or quality control compliance required, five years preferred.
* Government delegated underwriting authority, preferred.
* Experience working in a deadline-driven, fast paced environment.
* Recent employment in the mortgage banking underwriting/compliance field is required.
The above qualifications express the minimum standards of education and/or experience for this position. Other combinations of education and experience, if evaluated as equivalent, may be taken into consideration.
Knowledge, Skills, Abilities, and Competencies:
* Proficient in underwriting guidelines for FHA, VA, USDA/RD, Freddie Mac, Fannie Mae and PMI companies.
* Knowledge of mortgage regulatory requirements; RESPA, TIL, TRID, CFPB
* Ability to successfully and accurately complete assigned work in a fast-paced environment.
* Strong interpersonal skills.
* Excellent verbal and written communication skills.
* Maintains credibility through sincerity, honesty, and discretion.
* Maintains a high level of confidentiality.
* Builds and maintains positive relationships with internal and external constituents.
* Strong organizational skills.
* Strong time management skills; uses time effectively; consistently meets deadlines.
* Ability to exercise good judgment in evaluating complex situations while implementing agencies requirements/ guidelines.
* Ability to adjust to frequent procedural changes.
* Documents regularly, thoroughly, accurately, and completely.
* High level of detail and accuracy.
* Exercises good and consistently fair judgment, courtesy, and tact in dealing with the staff and public in giving and obtaining information.
* Computer literate; proficient in Microsoft Word, Excel, Outlook, Allregs and the internet; able to effectively adapt to and use other computer systems as needed for daily activities.
* Special Demands:
* The special demands described here are representative of those that must be met by a staff member to successfully perform the essential functions of this job.
* While performing the duties of this job, the employee is regularly required to sit; stand; use hands to finger, handle or feel; and talk and hear.
* The employee is occasionally required to walk; reach with hands and arms, and stoop, kneel, or crouch.
* Specific vision abilities required by this job include close vision, distance vision, and the ability to adjust focus.
Private Banking Credit Underwriter
Underwriter job in Franklin, TN
SmartBank Associates enjoy an AMAZING benefits package: * Comprehensive benefits- medical, dental, vision, life, and disability insurance * Matching 401(k) * Generous paid time off (PTO) * SmartFlex Days * Up to 11 Paid Company Holidays * Incentive Program
* Mental Health Benefits Including 8 free sessions with a coach or certified professional
* Tuition Reimbursement
* Community Involvement Opportunities
* Company apparel provided at no cost
Major Duties and Responsibilities:
* Uphold SmartBank Core Values & Core Purpose
* Adheres to and embraces the SmartBank Way by Acting Smart, Looking Smart and Being Smart.
* Analyze the financial records like earnings, savings, payments and purchase of the company or individual and recommend other useful financial activity for further plans.
* Generate financial spreads and ratios, using computer programs, to evaluate customers' financial status.
* Typically works with ~10 Private Banking loan officers on a variety of commercial and consumer credits.
* Accurately input data from tax returns, paystubs, financials, credit reports, debt schedules, etc. into computer programs to produce an accurate financial depiction of the loan request, borrowers, and guarantors.
* Assist in the underwriting, structuring, and monitoring of a variety of loans within their assigned portfolio.
* Compile reports regarding finance and credit data.
* Manage files and records, stenography and transaction and other office procedure
* Performs other duties as assigned.
Position Requirements and Qualifications:
Education and Experience:
* Bachelor's Degree in related field such as business or finance
* Two years of financial analysis/underwriting experience preferred.
Training Requirements (licenses, programs, or certificates):
* None
Knowledge, Skills, and Abilities:
* Must be capable of handling confidential information in a trustworthy manner.
* Excellent customer service skills.
* Detail oriented and ability to function in a team environment
* Must be able to prioritize and organize daily workflow.
* Ability to apply knowledge and sound judgment in decision-making using established guidelines.
* Strong written and oral communication skills.
* Proficient level of computer competency including Microsoft Windows (Word, Excel, Outlook) and typing.
* Demonstrates ability to maintain a positive attitude.
* High level of integrity.
* Able to maintain regular and predictable attendance.
* Willing to accept new ideas and methods and be agreeable to change
Work Conditions:
* May be required to travel to training sessions or meetings.
* Extended hours will be required as needed.
Underwriter
Underwriter job in Huntsville, AL
Job Title: Underwriter
We are seeking a detail-oriented and analytical Underwriter to join our team. As an Underwriter, you will be responsible for assessing and evaluating risks to determine suitable terms and conditions for insurance applications.
Key Responsibilities:
Analyze and assess risk factors involved in insurance applications
Evaluate applicants' financial status and make recommendations
Review and approve insurance applications based on established guidelines
Calculate premiums and ensure accuracy of policy information
Collaborate with other team members to share insights and improve processes
Qualifications:
Bachelor's degree in Finance, Business, or related field
Proven experience in underwriting or a similar role
Strong analytical skills and attention to detail
Excellent decision-making and problem-solving abilities
Ability to work well in a team environment
Application Process:
If you meet the qualifications and are passionate about underwriting, we encourage you to submit your application including your resume and cover letter. We look forward to reviewing your application.
Mortgage Underwriter
Underwriter job in Mobile, AL
RB&T Mission Statement: As a trusted partner and friend, River Bank & Trust helps our neighbors and the businesses in our communities to reach their financial goals. River Mortgage Services is seeking an experienced Mortgage Underwriter with a deep understanding of residential mortgage underwriting, investor guidelines, and compliance requirements. This position is responsible for underwriting Conventional, FHA, VA, USDA, and Jumbo mortgage loans for secondary market sale, ensuring each file meets agency, investor, and regulatory standards.
Essential Duties and Responsibilities:
Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The essential functions include, but are not limited to the following:
* - Review and analyze residential mortgage loan files for accuracy, completeness, and compliance with investor, agency, and internal guidelines.
* - Underwrite and issue decisions (Approve, Suspend, or Deny) for Conventional, FHA, VA, USDA, and Jumbo loans.
* - Validate AUS findings (DU/LP/GUS) and apply appropriate conditions to ensure salability.
* - Maintain strong working knowledge of investor overlays, Fannie Mae/Freddie Mac guidelines, agency updates, and jumbo investor requirements.
* - Partner with Processing, Secondary, and Closing teams to resolve underwriting issues efficiently.
* - Ensure all files meet compliance requirements related to TRID, RESPA, ECOA, and other applicable regulations.
* - Assist in maintaining investor eligibility and quality standards by adhering to secondary market best practices.
* - Participate in ongoing training and contribute to continuous improvement of underwriting policies and procedures.
* - Provide clear, consistent communication to loan originators and internal staff regarding conditions, exceptions, and documentation needs.
Minimum Qualifications:
* - High School diploma or equivalent
* - At least 5 years of mortgage underwriting experience (including Conventional, FHA, VA, USDA, and Jumbo loans)
* - DE, SAR, or LAPP certifications preferred, but not required
Skills, Abilities & Expectations:
* - Strong working knowledge of Encompass LOS and automated underwriting systems (DU/LP/GUS)
* - In-Depth understanding of agency, investor, and jumbo program guidelines and secondary market requirements.
* - Familiarity with appraisal review, income analysis, and collateral evaluation.
* - Ability to work independently in a fast-paced, deadline-driven environment
* - Detail oriented and organized
* - Ability to analyze financial information
* - Integrity, discretion, and respect for confidential information are absolutely essential
* - Willingness to adapt to change
* - Work within a variety of different software and web applications
* - Able to prioritize duties and effectively manage time
* - Analytical and problem-solving skills
* - Attend work on a regular basis, on time, and withstand varying degrees of stress
* - Excellent interpersonal and communication skills
* - Maintaining a professional, business-like appearance and demeanor
* - Be familiar with and follow policy and procedures, and support Management's decisions and goals in a positive, professional manner.
* - Proficiency in Microsoft Office products to include Word, Excel, and Outlook
Physical Demands:
The employee will occasionally lift and/or move up to 25 pounds. The employee will regularly sit; talk; hear; and use hands to finger, handle or feel. The employee will occasionally stand; walk; reach with hands and arms; climb and balance; and stoop, kneel, crouch, or crawl. Special vision requirements include close, distant, and peripheral vision; depth perception; and the ability to adjust focus. The noise level in the work environment is usually moderate. The work environment and physical demands are those of a standard retail branch setting. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.
Transportation Underwriter
Underwriter job in Montgomery, AL
Underwriter - Transportation $75,000 - $80,000 + Montgomery, AL Are you an experienced Workers' Compensation Underwriter with a deep understanding of the trucking and transportation industry? Do you excel at evaluating complex risks and developing strategic pricing? We're looking for a seasoned professional to join our dynamic team and help drive smarter risk decisions in the transportation sector.
About the Role
In this pivotal role, you'll leverage your expertise to assess intricate risks, craft effective pricing strategies, and ensure regulatory compliance. You'll play a key part in contributing to our company's profitability while ensuring top-tier client satisfaction.
What You'll Do
Underwrite new and renewal submissions specifically for trucking and transportation accounts.
Assess risk comprehensively, analyzing loss history, operational details, driver exposure, safety protocols, and DOT compliance.
Assign appropriate classification codes and develop strategic pricing in line with company and regulatory guidelines.
Collaborate closely with brokers, agents, and internal teams to gather necessary information and negotiate policy terms.
Mentor and guide junior underwriters and team members, sharing your valuable insights.
Monitor portfolio performance, identify emerging trends, and recommend proactive strategic actions.
Ensure all underwriting decisions adhere to internal policies and state-level workers' compensation regulations.
Maintain meticulous documentation of all underwriting decisions and communications.
Represent the company at industry events, conferences, and client meetings as needed.
What You Bring
4+ years of workers' compensation underwriting experience, with at least 2 years specifically focused on the trucking and transportation sectors.
Strong understanding of workers' compensation laws, NCCI classification codes, and rating systems.
Familiarity with trucking operations, driver safety programs, and DOT/CAB report analysis.
Proven ability to evaluate complex risk profiles and make sound underwriting decisions.
Proficiency in Microsoft Office and industry-standard underwriting tools.
Exceptional communication, negotiation, and relationship-building skills.
A Bachelor's degree in Business, Risk Management, Finance, or a related field, or equivalent practical experience.
Professional designations (WCP, TRIP, ARM, CPCU) are a definite plus.
Preferred Competencies
High attention to detail and excellent time management.
Self-motivated and thrives in a fast-paced, high-volume environment.
Strong commitment to customer service and seamless team collaboration.
A strategic thinker with a long-term view of portfolio performance.
Schedule: Full-time, Monday-Friday (Hybrid Flexibility Available) Travel: Occasional, for industry events or client meetings
Ready to bring your underwriting expertise to a dynamic, industry-focused team? Apply now and help us drive smarter risk decisions in the transportation sector!
U.S. Citizenship or Green Card status is required for this position, as client sponsorship is not available
To meet our clients' needs, we're only considering candidates who have the necessary experience.
Please be advised: If you have recently submitted your resume to Fusion HCR, your qualifications will automatically be considered for other suitable opportunities.
P&C Commercial Technology Underwriter, Southeast Region
Underwriter job in Franklin, TN
Executive Underwriter - UW07BDSenior Underwriter - UW08BAUnderwriter - UW08BB
We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals - and to help others accomplish theirs, too. Join our team as we help shape the future.
UPDATE: Added Underwriter Level for this job posting as of October 16, 2025
Middle & Large Commercial Underwriter - Technology Sector
Location: Hybrid - Alpharetta, GA
(Agency Visits/In-office Tuesday-Thursday)
At The Hartford, we help people achieve amazing things by protecting what matters most. As a Middle & Large Commercial Underwriter in the Technology sector, you'll be at the forefront of that mission-delivering tailored coverage solutions that empower our customers to pursue their goals with confidence.
What You'll Do
Lead the underwriting and sales process for a book of Middle Market Technology business.
Build and maintain strong relationships with agents and brokers to position The Hartford as the carrier of choice.
Analyze agency performance and identify opportunities for growth and improvement.
Apply underwriting guidelines and sound judgment to assess complex risks with minimal oversight.
Drive strategic planning, account stewardship, and cross-sell initiatives across the team.
Serve as a trusted advisor and solution provider to distribution partners.
What Sets This Role Apart
A seat at the table with key decision-makers.
A culture that values innovation, collaboration, and inclusivity.
Career growth opportunities in both technical and leadership paths.
A dynamic, results-oriented team environment with mentorship from approachable leaders.
Qualifications
Bachelor's degree preferred, or equivalent combination of education and experience.
3+ years of P&C Middle Market or Technology underwriting experience; E&O experience is a plus.
Proven ability to build and sustain strong internal and external partnerships.
Strong analytical, communication, and presentation skills.
High energy, entrepreneurial mindset, and resilience.
Excellent time management and organizational skills.
Goal-oriented with a drive to challenge the status quo and deliver results.
Compensation
The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford's total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is:
$76,000 - $174360
The posted salary range reflects our ability to hire at different position titles and levels depending on background and experience.
Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age
About Us | Our Culture | What It's Like to Work Here | Perks & Benefits
Auto-ApplyNational Accounts Strategic Underwriter
Underwriter job in Nashville, TN
**Location:** This role requires associates to be in-office 1 - 2 days per week, fostering collaboration and connectivity, while providing flexibility to support productivity and work-life balance. This approach combines structured office engagement with the autonomy of virtual work, promoting a dynamic and adaptable workplace. Alternate locations may be considered if candidates reside within a commuting distance from an office.
Please note that per our policy on hybrid/virtual work, candidates not within a reasonable commuting distance from the posting location(s) will not be considered for employment, unless an accommodation is granted as required by law.
The **National Accounts Strategic Underwriter** is responsible for providing strategic and analytical underwriting support for national account clients. This includes financial modeling, risk assessments, and developing multi-year pricing strategies tailored to large, complex employer groups. The role requires extensive research, and collaboration to meet client demands and support growth and retention. The role collaborates cross-functionally to deliver customized solutions aligned with business priorities.
**How You Will Make an Impact**
Primary duties may include, but are not limited to:
+ Create competitive, financially sound proposals for business growth and renewals.
+ Collaborate on RFPs.
+ Lead contract customization and negotiations, ensuring accurate financial outcomes and risk mitigation.
+ Assists in the technical development of underwriting associates, which may include monitoring reports and work flow to provide recommendations on productivity and efficiency improvements.
**Minimum Requirements:**
Requires a BA/BS in in Finance, Actuarial Science, Business, or related field; Minimum of 7 years in large group insurance underwriting, actuarial analysis, or strategic finance.
**Preferred Skills, Capabilities, and Experiences:**
+ ASA/FSA, CFA, or CEBS credentials preferred.
For candidates working in person or virtually in the below location(s), the salary* range for this specific position is $105,504 to $180,864.
Locations: California, District of Columbia (Washington, DC), Illinois, Maryland, Massachusetts, Minnesota, Nevada, New York, Washington State
In addition to your salary, Elevance Health offers benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). The salary offered for this specific position is based on a number of legitimate, non-discriminatory factors set by the Company. The Company is fully committed to ensuring equal pay opportunities for equal work regardless of gender, race, or any other category protected by federal, state, and local pay equity laws.
* The salary range is the range Elevance Health in good faith believes is the range of possible compensation for this role at the time of this posting. This range may be modified in the future and actual compensation may vary from posting based on geographic location, work experience, education and/or skill level. Even within the range, the actual compensation will vary depending on the above factors as well as market/business considerations. No amount is considered to be wages or compensation until such amount is earned, vested, and determinable under the terms and conditions of the applicable policies and plans. The amount and availability of any bonus, commission, benefits, or any other form of compensation and benefits that are allocable to a particular employee remains in the Company's sole discretion unless and until paid and may be modified at the Company's sole discretion, consistent with the law.
Please be advised that Elevance Health only accepts resumes for compensation from agencies that have a signed agreement with Elevance Health. Any unsolicited resumes, including those submitted to hiring managers, are deemed to be the property of Elevance Health.
Who We Are
Elevance Health is a health company dedicated to improving lives and communities - and making healthcare simpler. We are a Fortune 25 company with a longstanding history in the healthcare industry, looking for leaders at all levels of the organization who are passionate about making an impact on our members and the communities we serve.
How We Work
At Elevance Health, we are creating a culture that is designed to advance our strategy but will also lead to personal and professional growth for our associates. Our values and behaviors are the root of our culture. They are how we achieve our strategy, power our business outcomes and drive our shared success - for our consumers, our associates, our communities and our business.
We offer a range of market-competitive total rewards that include merit increases, paid holidays, Paid Time Off, and incentive bonus programs (unless covered by a collective bargaining agreement), medical, dental, vision, short and long term disability benefits, 401(k) +match, stock purchase plan, life insurance, wellness programs and financial education resources, to name a few.
Elevance Health operates in a Hybrid Workforce Strategy. Unless specified as primarily virtual by the hiring manager, associates are required to work at an Elevance Health location at least once per week, and potentially several times per week. Specific requirements and expectations for time onsite will be discussed as part of the hiring process.
The health of our associates and communities is a top priority for Elevance Health. We require all new candidates in certain patient/member-facing roles to become vaccinated against COVID-19 and Influenza. If you are not vaccinated, your offer will be rescinded unless you provide an acceptable explanation. Elevance Health will also follow all relevant federal, state and local laws.
Elevance Health is an Equal Employment Opportunity employer and all qualified applicants will receive consideration for employment without regard to age, citizenship status, color, creed, disability, ethnicity, genetic information, gender (including gender identity and gender expression), marital status, national origin, race, religion, sex, sexual orientation, veteran status or any other status or condition protected by applicable federal, state, or local laws. Applicants who require accommodation to participate in the job application process may contact ******************************************** for assistance.
Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state, and local laws, including, but not limited to, the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act.
Mortgage Underwriter
Underwriter job in Montgomery, AL
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
****************************
Easy ApplyPersonal Lines Underwriter
Underwriter job in Brentwood, TN
Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company's underwriter training program for the assigned line of insurance and requires the person to:
Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions
Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use
Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment
Analyze loss experience, financial conditions and physical characteristics of risks
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
Auto-ApplyMortgage Senior Underwriter - Mortgage Underwriting
Underwriter job in Franklin, TN
Responsible for managing and monitoring daily work flow of assigned residential loan files. The senior underwriter is to make sound decisions within the risk parameters, investor guidelines and WesBanco Credit Policy. ESSENTIAL FUNCTION: Banking is a highly regulated industry and you will be expected to acquire and maintain a proficiency in the Bank's policies and procedures, and adhere to all laws, rules and regulations that are applicable to your conduct and the work you will be performing. You will also be expected to complete all assigned compliance training in a timely manner.
ESSENTIAL DUTIES AND RESPONSIBLITIES:
Managing and monitoring daily workflow of assigned files.
Make sound underwriting decisions on loans regarding credit worthiness.
Work closely with MLOs, processors and the senior management team.
Assist processors and MLOs with complex questions.
Ability to review and comprehend complex personal and business tax returns.
Consistently meet underwriting milestones as established by the bank.
Complete all bank training courses that are required in a timely manner.
Must provide exceptional, professional service to mortgage customers, originators, processors and closers.
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.
CERTIFICATES, LICENSES, REGISTRATIONS:
FHA delegated underwriter
VA automatic underwriter
VA staff appraisal reviewer
Able to obtain approval from secondary market investors as delegated underwriter if needed
OTHER SKILLS AND ABILITIES:
Strong customer service skills
Ability to process all portfolio and all secondary market loans
Ability to review personal and business tax returns to determine qualifying income
Strong organizational and management skills
Ability to multi-task under sometimes stressful conditions
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.
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.
Bachelor's degree from four year college or university preferred.
Minimum of 5 years of residential underwriting experience required.
DE/SARS/LAPP highly preferred.
Current knowledge of RESPA regulations required.
Strong knowledge in FNMA/FHLMC, FHA,VA,USDA programs preferred.
Minimum of 5 years of AUS experience required.
Experience and proficiency with Encompass software preferred.
Case Underwriter II
Underwriter job in Montgomery, AL
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.
Mortgage Underwriter
Underwriter job in Birmingham, AL
At ServisFirst, Our Name is Our Mission. DUTIES AND RESPONSIBILITIES The Mortgage Underwriter is responsible for the timely and accurate underwriting of all mortgage loan files according to bank and investor guideline and compliance regulations. The incumbent will:
* Underwrite mortgage loans to ensure compliance with bank and investor guidelines
* Assess loan attributes and documentation for soundness and accuracy
* Evaluate debt ratio, loan-to-value ratio, credit score, and appraisal to meet investor guidelines
* Review and analyze appraisals to ensure loan risk is acceptable to bank and investor guidelines
* Determine and document loan conditions, requirements, and decisions
* Evaluate Loan Estimate (LE) for accuracy and compliance with RESPA and TRID
* Utilize an Automated Underwriting System (AUS) or predetermined guidelines to underwrite loans
* Stay abreast of Private Mortgage Insurance (PMI) guidelines and order PMI as necessary
* Maintain knowledge of all applicable underwriting guidelines
* Review legal and regulatory compliance documents for accuracy
* Provide strong and clear communication to other mortgage department personnel and borrowers regarding documents needed for mortgage loan files to ensure quick turnaround time
* Provide guidance to processors regarding procedures and requirements
* Assist closing/post-closing personnel to ensure loan is purchased by investor
* Perform administrative duties such as faxing, photocopying, filing and phone support as necessary
* Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies
Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.
Note: Additional duties and responsibilities may be assigned.
MINIMUM QUALIFICATIONS
* High school diploma or equivalent; some college preferred
* Five (5) years of mortgage lending experience
* Three (3) years of mortgage underwriting experience
* Previous experience using automated underwriting technology preferred
* Basic knowledge of bank operations and products
* Basic knowledge of federal and state banking compliance regulations, and other Bank operational policies
* Knowledge of federal and state regulations regarding lending and related consumer disclosure requirements
* Excellent knowledge of agency and investor guidelines
* Effective oral, written and interpersonal communication skills with the ability to carry out instructions, understand procedures and write correspondence
* Proficient in Microsoft Outlook, Word and Excel
* Excellent customer service and time management skills
* Ability to multitask, as shown in previous experience completing tasks under time constraints
* Good organizational skills
* Good data entry/keyboarding and math skills
PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS
The physical requirements and environmental conditions of this position consist primarily of:
* Sustained standing and sitting
* Frequent use of PC, including typing or sustained attention to monitor
* Frequent typing using a keyboard and/or calculator
* Occasional lifting of basic office files or equipment up to 20 lbs
* Normal office environment with comfortable internal temperatures and low level noise
EOE/AA
Underwriting Specialist (Middle Market)
Underwriter job in Brentwood, TN
You have a clear vision of where your career can go. And we have the leadership to help you get there. At CNA, we strive to create a culture in which people know they matter and are part of something important, ensuring the abilities of all employees are used to their fullest potential.
CNA seeks to offer a comprehensive and competitive benefits package to our employees that helps them - and their family members - achieve their physical, financial, emotional and social wellbeing goals.
For a detailed look at CNA's benefits, check out our Candidate Guide.
JOB DESCRIPTION:
Grow your underwriting career at a company that offers access and collaboration with the home office, ample promotional opportunities and evolving underwriting centers that allow you to focus on larger accounts.
CNA's Commercial Middle Markets team provides standard lines commercial property and casualty insurance products such as General Liability, Property, Inland Marine, Commercial Auto, Workers' Compensation, and Umbrella to businesses of all sizes. Our Middle Markets team underwrites a diverse mix of business and industry classes including Manufacturing, Professional Services, Financial Institutions, Real-estate, Distributors, Technology, Wholesale, and Retail. Typical account sizes range from $75,000 up to $2,000,000 and over in premium on a multi-line basis.
Essential Duties and Responsibilities
1.
Underwriting Expertise
· Reviews applications and financial requirements to determine acceptability of risk in accordance with CNA's guidelines and standards
· Understands pricing components and rating methodology as well as use of the predictive modeling tools; prices risk based on financial and competitive analysis
· Uses all appropriate underwriting tools (e.g., RST, BPMT, Merlin, etc.), disciplines and knowledge of strategies to ensure underwriting guidelines are followed
· Demonstrates technical underwriting skills through strategic, thorough account reviews and file documentation
· Prepares or analyzes information on adverse underwriting decisions, rate appeals, underwriting requirements, status and declinations in order to drive results within the assigned territory
· Adheres to CAT guidelines and underwriting discipline to minimize exposure and appropriately price
· Keeps current on state/territory issues, regulations and trends
2. Portfolio Management
· Manages assigned portfolio to achieve gross written premium, profitability, rate, retention, product mix, new business and portfolio management goals
· Prioritizes time and resources to effectively manage and optimize producer performance
· Operates with an Enterprise perspective to identify cross sell opportunities and create growth within other lines of business and customer segments
· Demonstrates in-depth knowledge of CNA's products and appetite while clearly communicating CNA's position at the point of sale
3. Sales & Distribution Management
· Builds/maintains rigorous sales practices using all CNA systems including SalesForce.com and other sales tools and disciplines
· Develops producer relationships to build pipeline, agency intelligence, and drives performance to meet and exceed results
· Develops and implements distributor specific plans, monitors performance, and adjusts plan to ensure a substantial pipeline for future profitable growth
· Drives effective relationship management and customer activities to build trust, facilitate negotiation and secure commitment with the customer
· Proactively identifies cross-sell opportunities and partners with other underwriters to deliver comprehensive insurance solutions for the customer
Driven by our commitment to our customers, CNA's winning behaviors (externally focused, accountable, collaborative, innovative, and continuously learning) distinguish us from our competitors. CNA employees exemplify these behaviors in all responsibilities and interactions.
Knowledge, Skills and Abilities
· Knowledge of underwriting processes, coverages, and tools to gather and evaluate information in order to reach appropriate decisions on renewals and new business
· Ability to effectively interact and communicate with all levels of external and/or internal business partners within scope of responsibility, team and/or matrix environment
· Ability to uncover customer needs, position specific solutions, handle objections and close deals
· Ability to exercise judgment, negotiate and make sound business decisions effectively based on level of authority
· Strong ability to identify, analyze and solve problems as well as the ability to learn rapidly, adapt quickly to change, exercise influence, and manage and prioritize multiple concurrent projects
#LI-SM1
#LI-HYBRID
As determined by CNA and depending on the applicant's experience and/or qualifications, candidates may be hired into one of three Underwriter positions: Underwriter, Underwriting Specialist or Underwriting Consultant.. Typically starting at 3+ years of related experience.
CNA is committed to providing reasonable accommodations to qualified individuals with disabilities in the recruitment process. To request an accommodation, please contact ***************************.
Auto-ApplyCCL Renewal Underwriter
Underwriter job in Brentwood, TN
At First Horizon Bank Operations, we are on a mission to deliver a seamless customer experience. We are passionate about doing things right and doing the right things. We collaborate with each other and with our internal business partners to delight our customers. We believe in creating an environment where everyone's ideas are valued so that the team operates at its best. Our team members serve with humility and a deep commitment to their responsibility to be the best at serving their customers one opportunity at a time.
Summary
The Centralized Commercial Lending - Renewal Team is searching for a Commercial Underwriter II responsible for evaluating business loan applications based on established Bank policies and procedures. Candidate will evaluate the merits of an existing loan request in the $1MM-$3MM range of total exposure, and either recommend a decision to a senior credit officer or use their own authority to decision the application.
Key Responsibilities
* Review cash flows and Moody's spreads either self-prepared or prepared by the Credit Analyst, conduct in-depth analyses of financial information to form a recommendation of approval or denial of new loans in accordance with the Bank's policy and procedures. Prepare Credit Origination Memorandum in a clearly written concise manner, identifying strengths, risks and mitigating factors. Review, analyze and evaluate financial and pertinent data to determine credit worthiness of loan prospects and merits of specific loan requests. Collaborate with Relationship Managers, leaders and Relationship Managers to gather all necessary information to present an accurate and complete assessment of the loan presented.
* Ability to prepare high quality, detailed credit approval documents that contain an in-depth analysis, an understanding of and identification of credit issues and risks. Ability to spread and interpret financial statements, tax returns, and projections using Excel.
* Ability to provide recommendations on loan structuring and alternative structures that may be more appropriate for the transaction.
* Ability to work in a high-volume environment, meeting or exceeding Service Level Agreements and turn time goals throughout the process, providing credit decisions in a timely manner.
* Work independently on special projects related to credit topics and issues as requested by Bank Credit team(s).
* Support the Bank's strong relationship banking culture through on-going internal partner contact, quality customer service, and superior product knowledge. Understand and adhere to the Bank's Bank Secrecy Act policy and procedures and "know your customer/enhanced due diligence" guidelines. Brings any suspicious activity to the attention of a supervisor, or the Bank Secrecy Act Officer. Follow all Bank policies and procedures to ensure compliance with all laws and regulations.
* May perform other duties as assigned.
Requirements
* Bachelor's degree required for consideration or equivalent combination of education and experience
* Three (3) to five (5) years of commercial credit underwriting experience
Knowledge/Skills/Abilities/Training/Systems
* Fundamental understanding of commercial credit underwriting.
* Ability to interact with all levels of clients, staff and management.
* Ability to work successfully in a deadline driven team environment.
* Strong MS Office skills, especially with Excel.
* Must be organized and detail oriented with the ability to multitask.
* Must be able to work independently and make sound decisions.
* Good written and oral communication skills.
* Good fundamental understanding of general bank operations, proficient understanding of the components of financial planning, deposit products, small business products, investment and insurance products.
* Knowledge of Moody's CreditLens preferred
* Knowledge of nCino preferred
About Us
First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at *********************
Benefit Highlights
* Medical with wellness incentives, dental, and vision
* HSA with company match
* Maternity and parental leave
* Tuition reimbursement
* Mentor program
* 401(k) with 6% match
* More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits
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Underwriter: Environmental (Wholesale)
Underwriter job in Nebo, KY
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!
The primary purpose of this position is to underwrite renewal business and new business in a profitable manner and according to authority level and established guidelines.
Utilize underwriting tools to determine accurate classifications, rates, and premium charges. Understand state laws, including cancellation and non-renewal, within assigned territory to properly transact business within each state. Knowledgeable in coverage forms and policy language; appropriate utilization of forms and exclusions. Assist with resolving premium audit disputes within assigned agents/brokers.
Responsibilities:
* Review, analyze, accept, and decline wholesale environmental risks to ensure profitability for Markel.
* Underwrite and select new business that will produce an underwriting profit.
* Manage the existing renewal book and implement corrective measures, as needed, to meet profitability expectations.
* Communicate with regional managers and national Environmental product line leaders on individual accounts, current and proposed producers, and make recommendations concerning operations, systems and procedures when appropriate.
* Participate in audits and/or underwriting meetings as required.
* Build and maintain quality relationships with key producers while simultaneously monitoring the entire appointed producer base for profitability and production.
* Review forms and pricing of competitors and be able to effectively market the Markel product within the competitive landscape
* Provide training or technical assistance to department underwriting staff
Desired Background:
* 1-3 years of environmental underwriting experience in the Northeast Region required
* Demonstrated technical knowledge and skills reflective of progression of positions of increasing responsibility.
* Demonstrated marketing and relationship building skills.
* Four year college degree and/or CPCU or similar designation preferred.
* Excellent oral and written communication skills.
* Microsoft Office skills to include MS Word and MS Excel.
* Strong analytical and organizational skills.
* Must be a team player that enjoys a flexible and spontaneous business environment with a desire to succeed.
* Up to 25% travel (when appropriate)
#LI-Hybrid
US Work Authorization
US Work Authorization required. Markel does not provide visa sponsorship for this position, now or in the future.
Pay information:
The base salary offered for the successful candidate will be based on compensable factors such as job-relevant education, job-relevant experience, training, demonstrated competencies, geographic location, and other factors. The base salary range for the Underwriter position is $74k - $102k with a 20% bonus.
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-ApplyAssociate Insurance Underwriter
Underwriter job in Birmingham, AL
At Amwins, we succeed together - and have a good time doing it. We know people don't leave companies. They leave cultures - which is why we work so hard on ours. At Amwins, we thrive on collaboration, not cutthroat competition. Our teams work together to help each other succeed, and we do right by our clients so they can do right by theirs. First and foremost, we invest in our employees. That investment shows in everything we do; education and development programs, comprehensive and competitive benefits, and an organizational structure that's 43% owned by employee shareholders. Our commitment to diversity, equity and inclusion helps cultivate an open, welcoming workplace that reflects the communities we serve. You will have the opportunity volunteer within Amwins through a wide range of committees and in your community through the Amwins Foundation and Summer of Service. Working at Amwins means you love what you do, how you do it and, ultimately, who you do it with. Whether it's today or 150 years from now, we continue to invest in our culture and your development so opportunities for growth and career advancement are never in short supply. At Amwins, we win together - and have a good time doing it. Learn more about us at amwins.com. We see you in Amwins blue! Join our Special Risk Underwriting team in Birmingham. This position is in-office. Snapshot of what Amwins provides to our team members:
Compensation includes a salary commensurate with experience
Annual bonus potential
Broad benefits package available
Most benefits available first day of employment
Medical, Dental, Vision, Life, etc
Paternal Leave, Adoption Assistance, Travel Reimbursement for healthcare, Retail Discount Program, Scholarships for dependents of Amwins employees, etc
Generous Paid Time Off and Company Holiday Schedule
Collaborative, continuing education focused work environment
Career advancement opportunities
Each Associate Underwriter provides vital team functions:
Review submissions information required to issue new or renewal quotes
Rate and prepare of new or renewal quotes as directed by Underwriter
Review of and handling of inspection recommendations and discrepancies
Monitor various reports for consistency
Potential for policy issuance and endorsement processing, including audits
Assist in accounting procedures such as invoicing
Data entry into multiple internet based systems
We are looking for people with:
1+ year office work experience or a degree from an accredited college or university
Insurance experience is a bonus!
The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Associate Underwriter - Garage Insurance
Underwriter job in Birmingham, AL
At Amwins, we succeed together - and have a good time doing it. We know people don't leave companies. They leave cultures - which is why we work so hard on ours. At Amwins, we thrive on collaboration, not cutthroat competition. Our teams work together to help each other succeed, and we do right by our clients so they can do right by theirs. First and foremost, we invest in our employees. That investment shows in everything we do; education and development programs, comprehensive and competitive benefits, and an organizational structure that's 43% owned by employee shareholders. Our commitment to diversity, equity and inclusion helps cultivate an open, welcoming workplace that reflects the communities we serve. You will have the opportunity to volunteer within Amwins through a wide range of committees and in your community through the Amwins Foundation and Summer of Service. Working at Amwins means you love what you do, how you do it and, ultimately, who you do it with. Whether it's today or 150 years from now, we continue to invest in our culture and your development so opportunities for growth and career advancement are never in short supply. Learn more about us at amwins.com.
Join our Amwins Access team in Birmingham as an Associate Underwriter!
This is a full time, in office position in our Birmingham, AL office. We are looking for people with:
1 year experience as support staff in an office environment or a Bachelor's degree from an accredited four-year university
Prior insurance experience is a plus!
Eagerness to learn and grow as a team
Exceptional communication skills, organization, professionalism and customer-service mentality
Microsoft Office proficiency with an emphasis in Excel spreadsheets
Each Associate Underwriter provides vital team functions:
Review submission information required to issue new or renewal quotes
Rate and prepare new or renewal quotes as directed by Underwriter
Review and handle inspection recommendations and discrepancies
Monitor various reports for consistency
Potential for policy issuance and endorsement processing, including audits
Assist in accounting procedures such as invoicing
Data entry into multiple internet based systems
Snapshot of what Amwins provides to our team members:
Compensation includes a salary commensurate with experience
Annual bonus potential
Broad benefits package available
Most benefits available first day of employment
Medical, Dental, Vision, Life, etc
Paternal Leave, Adoption Assistance, Travel Reimbursement for healthcare, Retail Discount Program, Scholarships for dependents of Amwins employees, etc.
Generous Paid Time Off and Company Holiday Schedule
Collaborative, continuing education focused work environment
Career advancement opportunities
The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.