Underwriter jobs in Fresno, CA

This position supports the analysis, structuring, underwriting, and coordination of immediate fundings and conversions for permanent financing of mortgage and tax-exempt bonds, adhering to CCRC's lending policies and procedures. The Lead Underwriter will independently perform conversion analysis upon project completion. Responsibilities Key responsibilities include conducting site inspections, reviewing appraisals, performing pro-forma analysis, analyzing sponsor financial statements, and assisting in the preparation of loan underwriting credit packages. The Underwriter will coordinate with the Loan Administration department to ensure that underwriting, third party reports, and funding requirements are consistent with CCRC's Due Diligence checklist. Additionally, the VP, Lead Underwriter manages all reporting within the Originations team; in coordination with the Credit Office, Asset Management, and Fiscal Services departments, the VP, Lead Underwriter will gather data, compile reports, and ensure CCRC underwriting standards are consistent with credit policy and actual operating performance of funded loans. Qualifications Strong analytical skills with financial statement analysis with skill in Excel and financial modeling, as well as ability to read and comprehend complex multi-family project appraisals. Proficient knowledge of Microsoft Office. Minimum 3+ years of demonstrated experience with housing and community development and/or multifamily real estate development, including project financing, market analysis, deal structuring, and financial analysis. Demonstrated ability to manage multiple, complex transactions at various stages and coordinate with multiple internal and external parties to meet approval and closing deadlines

Essential Functions Underwrite business purpose bridge or construction loans in compliance with credit guidelines. Review loan files for completeness, identify missing documentation, and approve borrower background. Collaborate with Sales, Processors, Managers and Closers to communicate guideline requirements and finalize loan scenarios. Must be able to prioritize time sensitive deadlines. Manage pipeline of 60+ loans with efficiency and accuracy. Analyze valuations for accuracy, risk and detail review of comparable market sales. Participate in weekly pipeline meeting. Identify and evaluate strengths, mitigating factors, and weaknesses of the loan request and escalate risks and issues. Prepare and submit exception memos for scenarios falling outside guidelines. Perform duties and responsibilities specific to department functions and activities. Performs other duties and responsibilities as required or assigned by Manager. Competencies/Skills Strong attention to detail with the ability to stay organized and problem solve in a fast-paced environment. Ability to articulate issues, problem solve and analyze with creative and outside of the box thinking. Strong communication skills (written and verbal) with internal and external partners; ability to convey findings in a concise and comprehensive manner. Effective organization and time management skills. Capability to build trusting relationships internally and externally and elicit confidence by demonstrating reliability. Strong team player with the ability to work effectively in a cooperative and diverse environment. Capacity to analyze processes, support change and think operationally and strategically to achieve business goals. Proven ability to partner with clients to identify business challenges and effective strategies/alternatives to mitigate them. Highly self-motivated and self-directed. Advanced use of Microsoft Office Suite with emphasis on advanced excel skills. Financial analytical analysis with math and general accounting knowledge. Education and Experience 2 years' experience underwriting business purpose and/or multifamily, commercial lending. 2 years' experience reviewing guarantor and borrower background reports, valuation analysis, including entity documentation to determine ownership and borrower structure. 5 years of analytical experience within financial services, commercial banking, or business purpose lending. Accessibility At Archwest, we will make reasonable accommodations to enable individuals with disabilities to perform essential functions. Please just let us know by contacting us at ***************************.

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.

The Merchant Cash Advance (MCA) Underwriter is responsible for evaluating and underwriting applications for merchant cash advances for short-term financing options in the merchant cash advance space in funding small businesses all over the United States. This role involves analyzing financial documents, assessing risk, and making informed decisions to approve or deny funding requests. The ideal candidate will possess strong analytical skills, attention to detail, and the ability to make sound judgments in a fast-paced environment. Key Responsibilities: 1. Application Review: Assess and analyze applications for merchant cash advances, including reviewing financial statements, credit reports, and other relevant documents. Evaluate the financial health and stability of applicants to determine the risk level associated with each advance. 2. Risk Assessment: Conduct thorough risk assessments by analyzing business revenue, cash flow, and other financial metrics. Utilize risk assessment tools and underwriting software to assist in decision-making. 3. Decision Making: Make informed decisions on whether to approve or deny merchant cash advance applications based on risk assessment and company guidelines. Provide recommendations for approval, denial, or modification of funding terms. 3. Communication: Communicate underwriting decisions and rationale to applicants and internal teams clearly and professionally. Collaborate with sales and customer service teams to address any issues or concerns related to the underwriting process. 4. Documentation and Reporting: Maintain accurate and detailed records of underwriting decisions, including documentation and rationale for each case. Prepare and submit reports on underwriting performance, trends, and potential areas for improvement. 5. Compliance and Procedures: Ensure adherence to company policies, industry regulations, and legal requirements during the underwriting process. Stay updated on industry trends and changes in regulations that may impact underwriting practices. 6. Continuous Improvement: Identify and recommend improvements to underwriting processes and procedures to enhance efficiency and effectiveness. Participate in training and development opportunities to stay current with best practices in underwriting. Qualifications: Education: Bachelor's degree in Finance, Accounting, Business Administration, or a related field. Relevant certifications are a plus. Experience: 5 years of experience in underwriting, preferably in merchant cash advances or a related field. Skills: Strong analytical and critical thinking skills. Proficiency in financial analysis and risk assessment. Excellent communication and interpersonal skills. Detail-oriented with strong organizational skills. Ability to make sound decisions under pressure. Technical Proficiency: Familiarity with underwriting software and financial analysis tools. College degree in finance is a plus Must be able to create underwriting polices and guidelines Must be able to create varying credit boxes

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. 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. Hours: Must work Pacific Standard time or Mountain Standard time schedule. The Group Underwriter II is responsible for determining acceptability of insurance risks and appropriate premium rates for renewal and prospect employer groups in accordance with corporate underwriting guidelines and authority limits. How you will make an impact: * Calculates renewal rates for group cases based on analysis of group's experience, industry and demographics. * Prepares annual settlements, ERISA reports, rate projections and post sale review. Minimum Requirements: Requires a BA/BS in a related field; Minimum 3 years of experience in underwriting; or any combination of education and experience, which would provide an equivalent background. Preferred Skills, Capabilities and Experiences: CPCU, CLU, LOMA, HIAA or other insurance related courses preferred. For candidates working in person or virtually in the below location(s), the salary* range for this specific position is $61,404 to $87,720 Locations: California, Colorado, Nevada, 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.

IAT Insurance Group has an immediate opening for a Commercial Surety Underwriter in our Walnut Creek, California location. This role will serve as a point member of our underwriting team, handling routine underwriting responsibilities including but not limited to the below, in a fashion consistent with the company policy and procedures. This involves interfacing with regional office Underwriters, various home office personnel, agents, and principals. This role works a hybrid schedule from an IAT Office. The hybrid requires working from the office Monday through Wednesday, with the option of working remotely on Thursday and Friday. Responsibilities: Financial and account analysis of pertinent financial data, authority, and referral requirements for consideration of new, existing and renewal business Requesting and gathering financial information on assigned accounts Bond renewal preparation and determination on whether bonds should be cancelled Market independently to our agent and broker partners with an emphasis on production Maintain Agency relationships and provide exceptional service and support. May have authority to underwrite low-value bonds and renewals Provide general direction to the Bond Underwriting Assistants for bond processing. Provide quality recommendations to Branch and Home Office Reports on assigned accounts and agents Rate and review bonds for premium and classification accuracy Ensure accuracy and completeness of files and verify that all necessary documentation is complete in the file Act as the primary service contact and visit agents assigned by the Regional Manager in order to foster and maintain an ongoing relationship Accurately communicate knowledge of assigned accounts to Branch and Home Office personnel via written and verbal means Prioritize workflow to ensure work is done in a timely fashion and all deadlines are met Perform other duties as needed Qualifications: Must-Have: Bachelor's degree in Accounting, Finance, Mathematics, Business, or related with at least 2 years of surety underwriting experience Equivalent is defined as 6 years of relevant commercial surety experience We will consider internal IAT employees with the appropriate level of experience for this role Credit/financial analysis will be considered in lieu of surety underwriting experience Strong marketing skills and ability to obtain new business Strong competency in quantitative and financial analysis Requires strong math aptitude, excellent verbal and written communication, interpersonal and negotiating skills Must be customer service oriented and have the utmost integrity Must be a self-starter with the ability to operate independently To qualify, applicants must be authorized to work in the United States and must not require VISA sponsorship, now or in the future, for employment purposes Preferred to Have: AFSB industry designation Our Culture IAT is the largest private, family-owned property and casualty insurer in the U.S. I nsurance A nswers T ogether is how we define IAT, in letter and in spirit. We work together to provide solutions for people and businesses. We collaborate internally and with our partners to provide the best possible insurance and surety options for our customers. At IAT, we're committed to driving and building an open and supportive culture for all. Our employees propel IAT forward - driving innovation, stable partnerships, and growth. That's why we continue to build an engaging workplace culture to attract and retain the best talent. We offer comprehensive benefits like: 26 PTO Days (Entry Level) + 12 Company Holidays = 38 Paid Days Off 7% 401(k) Company Match and additional Profit Sharing Hybrid work environment Numerous training and development opportunities to assist you in furthering your career Healthcare and Wellness Programs Opportunity to earn performance-based bonuses College Loan Assistance Support Plan Educational Assistance Program Mentorship Program Dress for Your Day Policy All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. We maintain a drug-free workplace and participate in E-Verify. Compensation: Please note, that the annual gross salary range associated with this posting is $85,000 - $100,000. This range represents the anticipated low and high end of the base salary for this position. Actual salaries will vary based on factors such as a candidate's qualifications, skills, competencies, and geographical location related to this specific role. The total compensation will include a base salary, performance-based bonus opportunities, 401(K) match, profit-sharing opportunities, and more. To view details of our full benefits, please visit **************************************************

Marketing Statement: Philadelphia Insurance Companies, a member of the Tokio Marine Group, designs, markets and underwrites commercial property/casualty and professional liability insurance products for select industries. We have been in operation since 1962 and are nationally recognized as a member of Ward's Top 50 and rated A++ by A.M.Best. We are looking for a Sr. Surety Underwriter to join our team in either our Pasadena, Mission Viejo or San Diego offices! Summary: Under limited direction and supervision, underwrites and markets assigned products by providing high levels of risk assessment and technical underwriting expertise to determine underwriting acceptability. May provide high level of financial analysis to determine credit quality. A typical day will include the following: Participates in the producer management process which may include, but is not limited to, premium collections. Prepares underwriting submissions, making recommendations and/or decisions within established authority limits. Minimum authority is $1,000,000 (Surety). Prepares and participates in marketing activities within the region to promote the development of new business. Gathers and analyzing information, applies appropriate underwriting techniques necessary to make an accurate evaluation of acceptability of risk. May evaluate credit quality. Prepares and participates in proposals to producers and/or accounts negotiating terms and conditions. May ensure credit quality of accounts managed while maintaining and updating underwriting files. Qualifications: Bachelor's Degree At least three years of contract surety underwriting experience preferably with a carrier. AFSB designation preferred. The ability to manage multiple priorities, generate new business and be detail oriented. EEO Statement: Tokio Marine Group of Companies (including, but not limited to the Philadelphia Insurance Companies, Tokio Marine America, Inc., TMNA Services, LLC, TM Claims Service, Inc. and First Insurance Company of Hawaii, Ltd.) is an Equal Opportunity Employer. In order to remain competitive we must attract, develop, motivate, and retain the most qualified employees regardless of age, color, race, religion, gender, disability, national or ethnic origin, family circumstances, life experiences, marital status, military status, sexual orientation and/or any other status protected by law. Benefits: We offer a comprehensive benefit package, which includes tuition reimbursement and a generous 401K match. Our rich history of outstanding results and growth allow us to focus our business plan on continued growth, new products, people development and internal career opportunities. If you enjoy working in a fast paced work environment with growth potential please apply online. Additional information on Volunteer Benefits, Paid Vacation, Medical Benefits, Educational Incentives, Family Friendly Benefits and Investment Incentives can be found at *****************************************

Who We Are: ExtensisHR, one of the largest Professional Employer Organizations (PEOs) in the U.S. with client employees in all fifty states, is looking for talented people to join our team. If you want to contribute your talents, make a bigger impact, and be part of the growing PEO & HRO industry, we are interested in talking to you. Our renowned industry leadership in customer service starts with our people. You can contribute to delivering on our brand promise of helping organizations succeed through our people-first approach in solving customer's ever-evolving HR needs. Our HR offerings include personalized services for HR, employee benefits, payroll and taxes, employer risk, compliance, and employee management. Today, we manage over $3 billion in employment-related costs annually-and we are growing every day. For more information about the company visit ******************* Who You Are: The Underwriter Analyst supports the Risk Management department by conducting preliminary risk assessments on prospective clients. This role assists with the initial review of Sales RFIs, verifies industry information and operations, assigns SIC codes, and supports carrier coverage renewals. The analyst works closely with the Underwriting team to ensure accurate and efficient preparation of underwriting data for further evaluation. What You'll Do: Review inbound RFIs for completeness and route qualified submissions to Underwriting. Validate prospective client business operations through public databases and documentation. Assign appropriate SIC codes based on client industry and scope of work. Support the organization and preparation of underwriting documentation. Assist with carrier coverage renewals and related data collection. Review and organize business licensing, tax IDs, ownership documents, and industry descriptions. Maintain pre-underwriting data logs and CRM records. Communicate with internal departments to clarify missing or conflicting information. Collaborate with team members to improve RFI intake and screening workflows. Ensure adherence to internal timelines and documentation standards. What You Bring: Associate's degree or equivalent work experience in business, insurance, or data analysis preferred. 1-3 years of experience in an Insurance Carrier, PEO, underwriting support, or insurance administrative environment. Familiarity with SIC/NAICS industry classifications and general business operations. Strong data entry and organizational skills. Ability to use Microsoft Office, especially Excel and Outlook, CRM, HRIS, NCCI systems. Comfortable reviewing documents and making determinations based on written descriptions. Competencies: Attention to Detail and Data Accuracy Critical Thinking and Problem Solving Workflow and Time Management Interdepartmental Communication Client Service Orientation Initiative and Willingness to Learn Working Conditions: Work is normally performed in a typical interior/office work environment. Minimal physical effort or exposure to physical risk. No travel required. Americans with Disabilities Specifications: The physical demands described herein are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. What We Offer: At ExtensisHR, we recognize there are many factors that influence your overall satisfaction both at work, and in your personal life. Under our ‘You Supported Program,' we provide a great mixture of compensation, benefits, company culture, and resources to our employees that help you reach a happier, more balanced life. Some of these offerings include: Competitive compensation - Base salary: $70k - $80k commensurate on experience. Progressive Paid-Time Off Program for you to enjoy time out of the office, including time off for volunteering and life events. Group Medical, Dental, Vision and Life insurance to encourage a healthy lifestyle available from day one. Pretax Spending Accounts to ease taxes on health and dependent care expenses. 401k and IRA retirement plans, employer contributions. Extensive professional development programs to help you get to where you want to go in your career. Employee Discounts on retail and entertainment. A social and community outreach committee that promotes a fun inclusive culture through in-office events and networking opportunities. Diversity, Inclusion and Equity (DEI) committee that promotes organization DEI initiatives and employee engagement. Complimentary coffee and snacks to keep you fueled and productive throughout the day. ExtensisHR is committed to a diverse and inclusive workplace. We are an equal opportunity employer and do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. #IND2

Casualty Facultative Reinsurance Underwriter Los Angeles 2-15 years of production casualty, excess casualty, or package underwriting experience Great training program to aid in the transition to facultative underwriting. A++ carrier with a superior culture. Opportunity to market to clients/professional sporting games/30% travel.

at loan Depot Responsible for underwriting loans for successful transaction and sale. Ensures the performance of all duties in accordance with the company's policies and procedures, all U.S. state and federal laws and regulations, wherein the company operates. Responsibilities: Underwrites 4 - 6 Conventional, USDA, FHA, and VA loans within company, investor, and industry guidelines per day with a standard turnaround time of 24 - 48 hours. Maintains a current knowledge of loan programs. Analyzes and issues credit decisions. Reviews and makes informed decisions on financial statements, credit reports and applicable ratios (i.e., DTI and LTV). Analyzes risk appropriately by assessing property information including: purchase contract, escrow instructions, and preliminary title report. Evaluates/examines transactions to ensure accuracy and completeness. Ensures documents are consistent and compliant. Identifies red flags on documentation. Assists with renegotiation of loans based on lending guidelines. Gathers information from agency materials to make appropriate decisions. Assigns and signs off on appropriate loan conditions. Assists Processing Department with problematic files to expedite submissions. Effectively explains rationale behind credit decision to internal customers and/or auditors. Answers program guideline and borrower qualification questions from loan consultants and processors. Communicates effectively with internal staff to maintain high level of customer service. Calculates complex income scenarios. Requirements: High School Degree or equivalent required and a minimum of six (6) + years of successful professional experience within the mortgage lending industry preferred. Bachelor's Degree preferred. Minimum of three (3) + years of successful Conventional, FHA, and VA underwriting experience required. Valid and current FHA Direct Endorsement (DE) certification required and SAR certification preferred. Proficiency in Desktop Underwriter (DU) and Loan Prospector (LP) Programs required. Why work for #teamloan Depot: Aggressive compensation package based on experience and skill set. Inclusive, diverse, and collaborative culture where people from all backgrounds can thrive. Work with other passionate, purposeful, and customer-centric people. Extensive internal growth and professional development opportunities including tuition reimbursement. Comprehensive benefits package including Medical/Dental/Vision. Wellness program to support both mental and physical health. Generous paid time off for both exempt and non-exempt positions. About loan Depot: loan Depot (NYSE: LDI) is a digital commerce company committed to serving its customers throughout the home ownership journey. Since its launch in 2010, loan Depot has revolutionized the mortgage industry with a digital-first approach that makes it easier, faster, and less stressful to purchase or refinance a home. Today, as the nation's second largest non-bank retail mortgage lender, loan Depot enables customers to achieve the American dream of homeownership through a broad suite of lending and real estate services that simplify one of life's most complex transactions. With headquarters in Southern California and offices nationwide, loan Depot is committed to serving the communities in which its team lives and works through a variety of local, regional, and national philanthropic efforts. Base pay is one part of our total compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay for this role is between $33.00 and $50.00. Your base pay will depend on multiple individualized factors, including your job-related knowledge/skills, qualifications, experience, and market location. We are an equal opportunity employer and value diversity in our company. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Senior Mortgage Underwriter REPORTS TO: Vice President of Real Estate Lending and Servicing JOB GRADE: N10 PAY RANGE: $28.74/hour - $43.11/hour, Non-Exempt Dependent on experience Position Summary The Senior Mortgage Underwriter is responsible for underwriting first mortgage, second mortgages, HELOCs, and portfolio real estate loan products in accordance with agency, investor, regulatory, and internal credit union guidelines. This role ensures member-focused lending decisions that balance risk management with service excellence. The Senior Mortgage Underwriter handles complex loan scenarios, mentors and educates staff members, and supports the credit union's core values to improve the financial well-being of our members. Duties and Responsibilities Underwrites and decisions residential mortgage loans in accordance with FNMA and internal Credit Union guidelines to ensure compliance with Credit Union and investor standards within his/her authority. Evaluates income, assets, credit, collateral, and compliance documentation to ensure accuracy and completeness. Renders credit decisions (approval, counter offers, suspense loan files and denial) with strong risk assessment and alignment to credit union policies. Identifies and recommends alternative loan solutions. Maintains a commanding knowledge of regulatory compliance, trends, and methodologies affecting all loan products and services. Performs all income analysis for qualifying borrowers to include self-employed borrowers. Comprehensive understanding of income tax documentation including but not limited to sole proprietorships, S-corps, C-corps, partnerships, and Limited Liability Corporations is required. Review appraisals and collateral documentation for accuracy and acceptability. Issue clear, appropriate and consistent conditions to ensure high-quality loans with minimum rework. Possesses time management skills and the ability to organize, prioritize, perform multiple tasks simultaneously; handle multiple projects and meet deadlines. Shows an ability to adapt to market, regulatory, agency and investor requirement changes. Performs other duties assigned including, but not limited to, special projects requiring extensive knowledge of Credit Union and department operations, policies and procedures, and safety/compliance. Performs other duties as assigned. Education/Experience Requirements High School Diploma or equivalent is required. Either a minimum of 10 years' experience in mortgage loan underwriting in a financial institution, or a bachelor's degree in finance, business, or another related field required plus 5 years mortgage loan underwriting experience in a financial institution, is required. Must have current knowledge of state and federal regulations together with a strong working knowledge of FNMA, and FHLMC guidelines and standards. Proficiency in computer programs (e.g., Microsoft Office Word and Excel). Ability to analyze complex tax returns skills required. Ability to work effectively at a fast pace and adapt to change. Excellent written and oral communication. Proficiency with Ellie Mae or Meridian Link Mortgage required. Must be goal oriented. Working Conditions/Physical Demands Work in an office environment, requiring the use of office equipment, such as personal computers. Must be able to frequently move around the office to perform lending activities. ______________________________ ______________________________ Team Member Signature Date ______________________________ ______________________________ Manager Signature Date

PENNYMAC Pennymac (NYSE: PFSI) is a specialty financial services firm with a comprehensive mortgage platform and integrated business focused on the production and servicing of U. S. mortgage loans and the management of investments related to the U. S. mortgage market. At Pennymac, our people are the foundation of our success and at the heart of our dynamic work culture. Together, we work towards a unified goal of helping millions of Americans achieve aspirations of homeownership through the complete mortgage journey. A Typical Day The Qualified Assumption Underwriter will be responsible for reviewing Qualified Assumptions on agency and government loans to established company and investor guidelines. As the Underwriter, you will review to ensure all requirements are met on all loans, loan is insurable and PNMAC overlays applied. The Qualified Assumption Underwriter will: Review all income documentation to calculate the qualifying income for each borrower Review all asset documentation to calculate the available liquid and non-liquid assets for each borrower Review loan application and other property related documentation to ensure the information for rental properties is accurate Input all required information and required conditions into Encompass system accurately and within established time frames Collaborate with Sales and Processing teams to obtain the proper documentation and proper loan details loan details Perform other related duties as required and assigned Demonstrate behaviors which are aligned with the organization's desired culture and values Review Post Approval conditions, update initial income and asset tools as required, and clear conditions when applicable What You'll Bring 5+ years of relevant work experience in the mortgage industry Ability and willingness to train and mentor less experienced associates Proficiency with asset and income documentation, including but not limited to, tax returns, fixed income sources, paystubs, W2's, retirement statements, bank statements, Must be highly proficient in Gmail, Excel and Word, preferably previous experience with Encompass Why You Should Join As one of the top mortgage lenders in the country, Pennymac has helped over 4 million lifetime homeowners achieve and sustain their aspirations of home. Our vision is to be the most trusted partner for home. Together, 4,000 Pennymac team members across the country are guided by our core values: to be Accountable, Reliable and Ethical in all that we do. Pennymac is committed to conducting a business that makes positive contributions and promotes long-term sustainable growth and to fostering an equitable and inclusive environment, where all employees and customers feel valued, respected and supported. Benefits That Bring It Home: Whether you're looking for flexible benefits for today, setting up short-term goals for tomorrow, or planning for long-term success and retirement, Pennymac's benefits have you covered. Some key benefits include: Comprehensive Medical, Dental, and Vision Paid Time Off Programs including vacation, holidays, illness, and parental leave Wellness Programs, Employee Recognition Programs, and onsite gyms and cafe style dining (select locations) Retirement benefits, life insurance, 401k match, and tuition reimbursement Philanthropy Programs including matching gifts, volunteer grants, charitable grants and corporate sponsorships To learn more about our benefits visit: ********************* page. link/benefits For residents with state required benefit information, additional information can be found at: ************ pennymac. com/additional-benefits-information Compensation: Individual salary may vary based on multiple factors including specific role, geographic location / market data, and skills and experience as defined below: Lower in range - Building skills and experience in the role Mid-range - Experience and skills align with proficiency in the role Higher in range - Experience and skills add value above typical requirements of the role Some roles may be eligible for performance-based compensation and/or stock-based incentives awarded to employees based on company and individual performance. #TPO Salary $50,000 - $75,000 Work Model OFFICE

**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.

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 ****************************

Must have reliable transportation Bi-lingual (English and Spanish) is a must Management opportunities Insurance and Tax Prep Specialist - Fiesta Insurance and Tax Service Are you highly skilled in insurance and tax preparation? Do you enjoy providing excellent customer service? If you answered yes, then we have the perfect opportunity for you! Fiesta Auto Insurance and Tax provides top notch, affordable insurance and tax products with a level of customer service that is second to none! Join our dynamic team and become part of a company that values its employees and offers a fun and loving work environment. We offer top pay and have room for quick advancement. At Fiesta we have a strong team environment and make it fun for the staff and customers. Job Overview: Prepare and file tax returns for individuals and small businesses Assist clients in selecting the right insurance products for their needs Provide exceptional customer service and build long-term relationships with clients What's in it for you: Competitive pay with commission and bonus opportunities 401K, Health, dental, and vision insurance Opportunity to learn and grow in the insurance and tax industry Requirements: No education required Experience in insurance and tax preparation is preferred Location: Locations thru out Los Angeles If you are a motivated and talented individual with a passion for insurance and tax preparation, apply now and join our team at Fiesta Insurance and Tax Service! Work schedule 8 hour shift Supplemental pay Commission pay Bonus pay Benefits Health insurance Dental insurance Vision insurance

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 Woodland Hills as an Associate Underwriter! This is a full-time, in office position in our Woodland Hills, CA office with a hybrid schedule (with 3 days per week in office required) once training is complete. Pursuant to California regulation, the compensation for this position is $68,640 to $72,000 annually, and includes eligibility for performance-based bonuses. We are looking for people with: At least 1 year experience as support staff in an office environment or a Bachelor's degree from an accredited four-year university Property and Casualty License or ability to earn a license within 90 days (cost reimbursed and study support provided by Amwins) Team focused mindset who is able to provide consistent, high-quality work Exceptional communication skills, attention to detail, 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.

Salary Range:$90,000.00 To $150,000.00 Annually With minimum supervision, provides direct support to Loan Officers to develop and analyze all relevant credit information pertaining to more complex commercial and business loans. Prepares or assists in the preparation of, Credit Authorizations in accordance with Bank's policies and procedures for presentation to senior credit personnel and/or credit committees. Spreads and analyzes financial statement information to determine financial capacity of borrowers. Prepares thorough analysis of business and/or personal financial statements and presents facts and is expected to provide personal analytical opinions, as appropriate, concerning creditworthiness of existing borrowers and prospects. PRIMARY FUNCTIONS Interacts directly with loan officers and customers/prospects regarding commercial business loans. Prepares accurate financial statement spreadsheets and debt service analysis derived from business and personal financial statements and tax returns. Prepares accurate Credit Authorization's in conjunction with loan officers and presents a complete and thorough analysis of existing and potential borrowers. Recognize and act on customer prospects, cross sell opportunities with existing customers. Make proper referral of loan opportunities to lending personnel. Interacts independently, without direction with customers/prospects to request financial information to complete spreading presentations and other financial analysis. Assists in the accurate determination of a borrower's debt service capacity in conformity to the type of credit analyzed. Reviews loan agreement covenants for verification of the compliance thereto. Accurately prepares financial projections as required. Maintains an accurate, up-to-date tracking log of all activity and credit arrangements in process. Collects industry information relevant to existing and proposed borrowers using internal & external sources. Consult with the President, Chief Credit Officer, Credit Administration Officers, and other Loan Officers, on credit structure, pricing, collateral and other credit consideration issues. Gather information from the Bank's LAS system to compute lending liability to the Bank. Conducts trade and reference checks on customers/prospects. Review documentation to ensure compliance with Bank policy and procedures. Performs special projects as designated by the Credit Administration. QUALIFICATIONS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION AND/OR EXPERIENCE: Bachelor's degree (B. A.) from four-year college or university; or 5+ years related experience and/or training; or equivalent combination of education and experience. Knowledge of: Basic knowledge and training in financial statements and tax return analysis typically from a combination of education in accounting, financial and/or credit analysis. Intermediate proficiency with Microsoft Office Suite (Word,Excel, PowerPoint, Outlook, Teams). Working knowledge of Abrigo a plus. Strong understanding of all related State and Federal lending regulations and Bank policies and procedures. Advanced knowledge of commercial, C&I, commercial real estate policies, practices and procedures. Abilities: Possess strong sales and marketing ability to sell Bank Services. Manage priorities to ensure effective accomplishment of objectives. Handle high volume of workflow from various sources. Plan, organize and prioritize tasks to meet deadlines. Lead and motivate employees to complete tasks in accordance with established standards. Analyze and solve work problems. Follow oral or written instructions. Communicate effectively with co-workers, consultants, regulators, and other parties. Prepare clear and concise reports and other documentation and correspondence.

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 Woodland Hills as an Associate Underwriter! This is a full-time, in office position in our Woodland Hills, CA office with a hybrid schedule (with 3 days per week in office required) once training is complete. Pursuant to California regulation, the compensation for this position is $68,640 to $72,000 annually, and includes eligibility for performance-based bonuses. We are looking for people with: * At least 1 year experience as support staff in an office environment * Property and Casualty License or ability to earn a license within 90 days (cost reimbursed and study support provided by Amwins) * Team focused mindset who is able to provide consistent, high-quality work * Exceptional communication skills, attention to detail, 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 * Parental 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.

Salary Range:$90,000.00 To $150,000.00 Annually With minimum supervision, provides direct support to Loan Officers to develop and analyze all relevant credit information pertaining to more complex commercial and business loans. Prepares or assists in the preparation of, Credit Authorizations in accordance with Bank's policies and procedures for presentation to senior credit personnel and/or credit committees. Spreads and analyzes financial statement information to determine financial capacity of borrowers. Prepares thorough analysis of business and/or personal financial statements and presents facts and is expected to provide personal analytical opinions, as appropriate, concerning creditworthiness of existing borrowers and prospects. PRIMARY FUNCTIONS Interacts directly with loan officers and customers/prospects regarding commercial business loans. Prepares accurate financial statement spreadsheets and debt service analysis derived from business and personal financial statements and tax returns. Prepares accurate Credit Authorization's in conjunction with loan officers and presents a complete and thorough analysis of existing and potential borrowers. Recognize and act on customer prospects, cross sell opportunities with existing customers. Make proper referral of loan opportunities to lending personnel. Interacts independently, without direction with customers/prospects to request financial information to complete spreading presentations and other financial analysis. Assists in the accurate determination of a borrower's debt service capacity in conformity to the type of credit analyzed. Reviews loan agreement covenants for verification of the compliance thereto. Accurately prepares financial projections as required. Maintains an accurate, up-to-date tracking log of all activity and credit arrangements in process. Collects industry information relevant to existing and proposed borrowers using internal & external sources. Consult with the President, Chief Credit Officer, Credit Administration Officers, and other Loan Officers, on credit structure, pricing, collateral and other credit consideration issues. Gather information from the Bank's LAS system to compute lending liability to the Bank. Conducts trade and reference checks on customers/prospects. Review documentation to ensure compliance with Bank policy and procedures. Performs special projects as designated by the Credit Administration. QUALIFICATIONS: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION AND/OR EXPERIENCE: Bachelor's degree (B. A.) from four-year college or university; or 5+ years related experience and/or training; or equivalent combination of education and experience. Knowledge of: Basic knowledge and training in financial statements and tax return analysis typically from a combination of education in accounting, financial and/or credit analysis. Intermediate proficiency with Microsoft Office Suite (Word,Excel, PowerPoint, Outlook, Teams). Working knowledge of Abrigo a plus. Strong understanding of all related State and Federal lending regulations and Bank policies and procedures. Advanced knowledge of commercial, C&I, commercial real estate policies, practices and procedures. Abilities: Possess strong sales and marketing ability to sell Bank Services. Manage priorities to ensure effective accomplishment of objectives. Handle high volume of workflow from various sources. Plan, organize and prioritize tasks to meet deadlines. Lead and motivate employees to complete tasks in accordance with established standards. Analyze and solve work problems. Follow oral or written instructions. Communicate effectively with co-workers, consultants, regulators, and other parties. Prepare clear and concise reports and other documentation and correspondence.