Underwriter jobs in Gilbert, AZ

at loan Depot Responsible for performing a detailed review of mortgage documentation to ensure the loans meet applicable guidelines. Detailed review will include reviewing all documentation including but not limited to credit reports, income documentation, asset documentation, collateral, and other applicable documentation as required to render a decision consistent with internal policies and investor guidelines. 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 various loan products, within designated lending authority levels, to company, investor, and/or industry guidelines. Reviews and analyzes documentation provided on each loan including but not limited to the 1003, credit report, income and asset documentation, purchase agreement, title report, etc. to make an informed lending decision in compliance with company policies and guidelines. Documents lending decisions and completes required screens in the company's system of record, to include the accurate completion of the various forms as required, as well as adding and/or creating applicable conditions of the loan approval. Reviews conditions submitted on loans and signs off on the condition(s) when appropriate. Effectively explains rationale behind credit decision as necessary. Works closely with various internal team members to answer loan-specific underwriting questions, discuss specific conditions or documentation requested, and resolve problems as necessary. Runs, reads, and interprets Automated Underwriting Decision Results (such as Desktop Underwriter/Loan Prospector or other proprietary systems). Mentors and performs Second Sign reviews for as necessary. Provides active feedback to senior management on various topics, including methods of continual process improvement. Requirements: Bachelor's Degree preferred and a minimum of two (2) + years' experience working in a similar field. Non-QM underwriting experience required. Current FHA and VA certification preferred. 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, 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 $35.58 and $62.26/hr. 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.

Join the company defining what it means to be an Impact Lender! Mortgages are what we do, but that doesn't define who we are. In 2008, Movement disrupted the industry with the innovative 6-7-1 mortgage process. In 2023, we pioneered again, helping launch Impact Lending - a new category of lending. Any mortgage lender that commits at least 10% of its profits to helping the neighborhoods it serves is an Impact Lender. At Movement, we are Impact Lenders. We give 40%-50% of our profits to making an impact in our communities. For us, purpose and people have always come before profit. Ready to disrupt the mortgage industry with us as a Mortgage Underwriter II? Then we think it's time to #join Movement What You Need To Know We don't need to tell you what a Mortgage Underwriter is, but we do want to tell you why underwriting at Movement is better. We have redefined the mortgage industry, and one of the ways that makes us unique is that our process starts with you! We have removed obstacles like appraisal and title so you can just focus on making the best decision for our customers and bring families home faster. A Movement Mortgage Underwriter acts as our gatekeeper with upfront underwriting. We truly value your knowledge, so we empower you to make critical judgments. All of this in a stable, high-growth environment filled with opportunity and strong values. What We Are Looking For 3+ years of front-end Mortgage Underwriter experience DE and/or SAR Certification Familiar with upfront review and makes the initial credit decision based on company checklists and guidelines Issues loan approvals or escalates files to loan committee when necessary based on Company guidelines Experience grading loan application quality based on criteria covered in training Methodical and analytical personality with the ability to underwrite FHA loans using our unique, upfront method Experience reviewing loan files for self-employed applicants and FHA loans and income analysis for self-employed applicants Even Better Associate's Degree in Business Management or related field 5+ years of mortgage industry experience Experience with purchase loans is preferred Ability to work extended hours (late evenings and weekend work may be required) Sound like a good fit? Let's talk about how we can work together The expected salary range for this position is between: $73,400.00 - $99,400.00 The range for the position in other geographies may vary based on market differences. The actual compensation will be determined based on experience and other factors permitted by law. We also offer a benefits package that includes: Competitive pay Benefits Offered: Medical, Dental, Vision, Life, Disability, Critical Care, Hospitalization, HSA, FSA, DCFSA and QTE Retirement plan: 401(k) and Roth Paid Time Off: 16 days front loaded. Prorated based on the start date month 11.5 paid holidays per year Employee assistance program Excellent career growth opportunity Fun, team-focused working environment Employee driven community outreach program Relocation packages available The application window is anticipated to close on: December 30, 2025 We're definitely not your average mortgage company. When you're ready to grow your career AND your impact, we're ready for you. We're also one of the nation's top lenders and are redefining corporate culture. We work hard, we have fun, we invest in our people and we make a difference. Sound like a plan? Good. Learn more at *****************

The Excess Casualty Underwriter will be responsible for reviewing and analyzing underwriting data in order to determine if risks meet corporate underwriting standards calculate appropriate premium and determine proper terms for acceptable risks and respond to brokers when risks do not meet underwriting guidelines. Underwriters are also responsible for developing and maintaining profitable business relationships with brokers. Duties and Responsibilities Continuously exhibit and uphold Core Values of Integrity, Accountability, Communication and Teamwork, Innovation and Customer Service Analyze new business opportunities and develop renewal strategies Attain quote, premium and division goals as assigned Develop and maintain strong relationships with brokers Use critical thinking and problem solving skills to negotiate with brokers on placements Travel to meet with brokers within assigned territory at least three times per year Other duties as assigned Knowledge, Skills and Abilities Ability to effectively and properly select, evaluate, model, determine coverage, rate, document, quote and bind accounts Ability to effectively assess risk Excellent verbal and written communication skills Ability to work independently or in a team environment to complete assignments within the parameters of instructions given, prescribed processes and standard accepted underwriting practices Solid knowledge of underwriting philosophy and techniques Proven problem solving and decision making skills Strong negotiation skills Ability to multi-task High level of initiative and motivation Strong work ethic with a drive to succeed Solid customer service and relationship building skills Proficiency in MS Office (Word, Excel, Outlook) and Internet researching Experience and Education Associate Underwriter Bachelors Degree or a minimum of 3 years of relevant work experience Industry associated classes or courses preferred Underwriter Bachelors Degree or equivalent work experience Minimum of 2 years of related underwriting experience preferably in Excess and Surplus lines Preferably pursuing courses toward professional designations or continuing education. #LI-JB1 #LI-Remote

Company Details As an elite Excess and Surplus Lines market, Nautilus Insurance Group offers commercial property and casualty insurance solutions to appointed wholesale surplus lines producers countrywide. We have specialized in providing these solutions for more than 35 years. We have more flexible policy terms and premium rates on a non-admitted basis. Our focus is small to medium Property and Casualty risks on both an admitted and a non-admitted basis. Our offerings are distributed through partnerships with appointed wholesale surplus lines producers. Our relationships are defined by mutual success, speed to market, customer-centric focus and an expanded appetite. Coverage placed by Nautilus Insurance Group is provided by Nautilus Insurance Company and Great Divide Insurance Company, both W. R. Berkley Corporation members with A.M. Best (Superior) A+ XV ratings. Benefit Highlights: Paid Parental Leave! At Nautilus, we offer Childbirth Recovery Leave as well as Primary Caregiver Leave, for up to a maximum of 12 weeks of paid leave. Nautilus offers Medical, Dental, and Vision coverage options, along with Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) choices We help our employees feel secure by providing a 401(k) program, profit sharing, stock purchase plan, life insurance, and travel accident insurance options. One of our core values is “Committed to Serve” and these aren't idle words. We provide every employee one paid day off per year to volunteer at a local charity. That's serving with a smile! We take risk management excellence and your professional growth seriously by offering Tuition Assistance and Industry-Related Education and Exam programs. Can you hear us now? Employees are eligible for special cell phone service discounts with Verizon and AT&T. We've got a plum position for you! We participate in the Plum Benefits program offering employees cost-free access to thousands of exclusive travel and entertainment discounts. Flexible work arrangements On site newly renovated fitness center - free to use for employees. Yoga and other classes available for a nominal fee. Responsibilities Nautilus Insurance is seeking an Underwriter III for our Southeast Region. The Underwriter III provides support to the underwriting process, making appropriate decisions within own underwriting assigned authority levels. Reviews insurance applications and processes accounts. Projects a professional company image through internal and external customer interaction. This role can be located in our Scottsdale office on a hybrid schedule or remotely in the Southeast US. Assesses new and renewal accounts to determine acceptability based upon NIC underwriting guidelines and authority granted. Reviews new and renewal accounts to verify issuance is in compliance with NIC underwriting guidelines, addresses discrepancies as needed, and enters information into appropriate systems. Establishes types and limits of coverage to be provided. Creates, analyzes and interprets data from various systems and underwriting resources. Responsible for monitoring production, profitability, and maintaining agency relationships. Collaborates with underwriting team as well as other departments on underwriting philosophy. Effectively communicates (written/verbal) information to both internal and external customers to ensure our standards of excellence are maintained. Consults with agency staff to obtain additional information on existing accounts. Promotes consistency amongst underwriting teams by contributing knowledge and soliciting feedback relative to underwriting philosophy and company goals. Maintains confidentiality with discretion and integrity with both internal and external information. Maintains familiarity with state laws and filing requirements within assigned territory to properly transact business within a state. Consults with underwriting team to determine if reinsurance is needed, and negotiates terms with designated reinsurer companies. Identifies and recommends changes to policy verbiage when standard text is not appropriate. Seeks manager approval before implementing. Monitors the amount of insurance in force on a single risk or group of closely related risks. Evaluates possibility of catastrophe losses and takes necessary action, as needed. Occasionally requested to assist with the development of special programs, underwriting procedures, and educational seminars. Composes reports and business correspondence such as travel summaries, agendas, and meeting minutes. Coordinates internal and/or external visits including but not limited to scheduling meetings, confirming staff availability, and arranging meals/entertainment. Provides guidance and support to less experienced team members within the department. Travel to agent offices and/or other external events is required. Performs other duties as assigned. LI#-RS1 LI#-Remote LI#-Hybrid Qualifications Strong relationships with brokers in the Southeast United States. Bachelor's degree; or at least two years of experience in a business or related field; or an equivalent combination of training and experience that provides the required knowledge, skills, and abilities. AIS, ASLI, AU, and CPCU designations or completion of other insurance related classes is preferred. A minimum of five (5) years of experience as an insurance underwriter in commercial property and casualty. Basic knowledge of computer programs in a Windows environment, including Word, Excel and email. Capability to learn and utilize various underwriting applications to determine accurate classifications and calculate rates and premium charges using approved rating methods. Excess and Surplus lines background is beneficial. Ability to compute rates, ratios, and percentages. Additional Company Details The Company is an equal employment opportunity employer. We do not accept any unsolicited resumes from external recruiting agencies or firms. The company offers a competitive compensation plan and robust benefits package for full time regular employees. 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.

As a leading provider of insurance and reinsurance with worldwide operations and employees in Bermuda, U.S., U.K., Continental Europe and Asia, we recognize that our success is derived directly from those who matter the most: our people. At Sompo International, our values of integrity, collaboration, agility, execution and excellence underpin our culture and our commitment to providing an employee experience that attracts and engages the best talent in the industry. As we continue to grow, we strive to find diverse, innovative and driven professionals to join our teams and offer a broad range of career and development opportunities at all levels, in multiple business areas, in each of our locations throughout the world. Our compensation and benefits programs are market driven and competitive, with excellent family friendly policies and flexible working provisions. Job Description Sompo has a unique opportunity for a 2026 Sompo Underwriting Trainee for our Middle Market Team in our in our Scottsdale, AZ office. Our Trainee Program is an 18-month program beginning in July 2026 designed to equip you with the essential business and technical skills needed to build a successful career in insurance. As an Underwriting Trainee you will work alongside the most experienced underwriters in the industry to gain in-depth knowledge of our business units and underwriting philosophy through on-the-job learning, workplace mentoring. Our Trainees work directly on their products' accounts, building relationships and identifying customers' needs. This rigorous curriculum also includes training in negotiation, risk analysis and relationship management. Sompo's Trainee Program serves as a launchpad for career advancement, empowering you to acquire the knowledge and skills essential for success in your respective field. What can I expect as a Underwriting Trainee? On-The-Job Learning Insurance requires a high degree of experience and expertise - something you can't learn in the classroom. Sompo Trainees are immersed in the day-to-day activities of their team, assisting Underwriters in exposure analysis and operational analysis of insureds, compiling a competitor analysis from a publicly available database, working with Underwriting Assistants in developing renewal lists, contacting brokers for submissions, and accompany underwriters during internal meetings and occasional external marketing calls. Activities, Learning and Development Directed Self-Study Professional designation courses give new Trainees professionals technical knowledge of insurance operations and industry practices. Sompo supports our employees pursuing continuing educations opportunities by covering the cost for fees and textbooks, offering time off work to take exams and providing additional compensation for successful completion of many courses. Career Development Support At Sompo, we are committed to developing our people. We encourage employees to strengthen their skills and expand their understanding of the business. Our Underwriting Trainees receive professional development training on a variety of topics aligned with their respective business unit. What will I need to be an Underwriting Trainee? Qualifications, Skills and Experience Sompo employees are some of the best and brightest in the industry. When recruiting the next generation of Sompo employees, we consider graduating Seniors, and recent college graduates with previous internship experience working in insurance, financial services, marketing or sales. Additional requirements include: * Bachelor's degree * Graduation date between May 2025 and May 2026 * Genuine interest in developing a career in the insurance industry * Ability to articulate ideas clearly through written and verbal communication * Solution-oriented mindset and data analytical skills * Ability to work independently and collaborate with others * Adaptability to new challenges and ability to thrive in a fast-paced environment * Demonstrates integrity and reliability in fulfilling roles and responsibilities * Detail-oriented, organized, and tech-savvy (Microsoft Excel, Word, PowerPoint) * Local to the desired office location or able to arrange housing and transportation in the area to support an in-office working arrangement while in the Trainee Program * Eligible candidates must be at least 18 years old and authorized to work in the United States without restriction Salary Range: $70,000 - $77,500 Actual compensation for this role will depend on several factors including the cost of living associated with your work location, your qualifications, skills, competencies, and relevant experience. At Sompo, we recognize that the talent, skills, and commitment of our employees drive our success. This is why we offer competitive, high-quality compensation and benefit programs to eligible employees. Our compensation program is built on a foundation that promotes a pay-for-performance culture, resulting in higher incentive awards, on average, when the Company does well and lower incentive awards when the Company underperforms. The total compensation opportunity for all regular, full-time employees is a combination of base salary and incentives that gets adjusted upfront based on overall Company performance with final awards based on individual performance. We continuously evaluate and update our benefit programs to ensure that our plans remain competitive and meet the needs of our employees and their dependents. Below is a summary of our current comprehensive U.S. benefit programs: * Two medical plans to choose from, including a Traditional PPO & a Consumer Driven Health Plan with a Health Savings account providing a competitive employer contribution * Pharmacy benefits with mail order options * Dental benefits including orthodontia benefits for adults and children * Vision benefits * Health Care & Dependent Care Flexible Spending Accounts * Company-paid Life & AD&D benefits, including the option to purchase Supplemental life coverage for employee, spouse & children * Company-paid Disability benefits with very competitive salary continuation payments * 401(k) Retirement Savings Plan with competitive employer contributions * Competitive paid-time-off programs, including company-paid holidays * Competitive Parental Leave Benefits & Adoption Assistance program * Employee Assistance Program * Tax-Free Commuter Benefit * Tuition Reimbursement & Professional Qualification benefits In today's world, what do we stand for? Ethics and integrity are the foundation of delivering on our commitment to you. We believe that core values drive success, and that when relationships are held in the highest regard, there is nothing that cannot be accomplished. At Sompo International, our ring is more than a logo, it is a symbol of our promise. Click here to learn more about life at Sompo. Sompo International is an equal opportunity employer and we intentionally value inclusion and diversity. Above all, we want you to work in an environment that respects everyone's unique contributions - we are passionately committed to equal opportunities. We do not discriminate based on race, color, religion, sex orientation, national origin, or age.

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.

WHAT IS THE OPPORTUNITY? The role of the Underwriter III is to evaluate the credit risk against company standards and to determine the borrower's ability to repay a residential mortgage. The Underwriter III analyzes and interprets the most complex financial and non-financial data decisioning the requests with the goal of achieving the optimal quality asset for the bank while satisfying the needs of borrower. The Underwriter III is also responsible for LLCs along with other complex borrower types. The Underwriter III works within established lending authorities and guidelines, with complex or unusual situations escalated to the next highest authority level for resolution. This includes mentoring and training of Underwriters I and II including second level reviews. What you will do * Reviews the loan package received to ensure completeness verifying that all supporting documents are included to make a credit decision per established policies * Identifies issues and recommends appropriate resolution within policy service level agreements * Analyzes and determines the financial capacity of the borrower's ability to repay: * Performs credit analysis, financial statement analysis, cash flow analysis, liquidity qualification and payment calculation spreads * Reviews for stability of residency and employment * Verifies income per established policy * Identifies any exceptions to current policies * Documents a reasonable conclusion mitigating any identified risks supporting the request will be repaid * Accurately sets and clears conditions * Interacts with RLC and Processor throughout the life cycle of the loan, providing information, updates and assistance as required * Updates System(s) with pertinent information and appropriate data as required * Renders a decision within his/her lending authority. If deal is outside of lending authority, provides a recommended decision and submits for appropriate level signing authority * Originates appropriate client letters; Commitment, Counter Offer, Declination * Certifies and provides a final Workbook to the Processor * Ensures compliance with bank and statutory/regulatory guidelines * Client Satisfaction * Promotes a team environment fostering a positive working environment * Functions as a collaborator and innovator to drive continuous improvement * Provides guidance and support to the RLC and Processor when required * Utilizes systems and tools to ensure that the RLC's are updated on the status of loans * Interacts and communicates daily with all levels as required to support business units, Processors, Funding/Doc Prep to ensure requirements are understood and met * Provides timely, complete and accurate response to inquiries * Handles all situations in a professional and ethical manner * Takes the lead in resolving problems for his/her own loans; assisting Underwriters I and II with resolutions * Supports and contributes to the quality and customer satisfaction goals of the bank * Productivity * Ensures all goals and service level agreements (SLAs) are met * Tracks, logs and provides daily, weekly, monthly, quarterly reporting of production statistics as defined by management * Consistently meets quality control and data integrity standards * Effectively utilizes available systems, workflow and imaging tools * Mentor and train Underwriters I and II * 2nd level review of Underwriters I and IIs' work * Performs other duties as assigned by Management, including participation in projects, process improvement initiatives, etc. *Must-Have** * Minimum 7 years of experience as an Underwriter in a financial services or mortgage banking environment required. * Minimum 7 years of experience in jumbo and super jumbo underwriting to investor or organization's guidelines required * Minimum 7 years of experience with state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.). *Skills and Knowledge* * Bachelor's degree in Business, Finance or Economics or related discipline with 10 or more years of experience in a mortgage banking environment required * Familiar with FNMA/FHLMC guidelines * Computer literate with experience using Microsoft applications with mortgage industry standard software, preferably InterLink E3 or NetOxygen/Gallagher. * Superior ability to communicate effectively in both verbal and written form * Strong time management skills to plan and organize a high daily loan volume * Strong ability to be very detail oriented * Must be a team player and work constructively with their fellow colleagues * Specific knowledge and exposure to funding and loan documentation to resolve more complex situations such as occur with LLC's, irrevocable trusts, and Co-operatives *Compensation* Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. **To be considered for this position you must meet at least these basic qualifications* The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our **************************************************************************************************** ABOUT CITY NATIONAL City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92.03 billion in assets as of April 30, 2024. Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $96.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves. *City National Bank does business in Miami and the state of Florida as CN Bank. For more information about City National, visit ********************* *EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION* City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. ************************************************************************************************** If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via mailto:*************************) or leave a message at *************. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days. Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.

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 Mortgage Fulfillment Underwriter ensures that the assets reviewed meet all applicable investor guidelines, through a complete knowledge of requirements and regulations. As the Underwriter, you will be held accountable for quality and accuracy of decisions. The Underwriter will: 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, help resolve any outstanding issues Work with compliance officers to ensure Federal, State, and local compliance of all mortgage and loan materials Approve or deny mortgages on a timely basis Perform other related duties as required and assigned Demonstrate behaviors which are aligned with the organization's desired culture and values What You'll Bring Bachelor's degree or equivalent work experience 3+ years of mortgage underwriting experience required Solid knowledge of mortgage underwriting and of basic automated underwriting systems Proficiency with basic automated underwriting systems Knowledge of mortgage laws and regulations required, including Home Mortgage Disclosure Act Knowledge of state and federal agency mortgage loan guidelines and regulations helpful 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. Salary $55,000 - $85,000 Work Model REMOTE

Job Title: Underwriter III - Non-Delegated Mortgage What you'll do: A Mortgage Underwriter III is responsible for underwriting conventional loans by reviewing the credit, capacity, and collateral characteristics of loan files to ensure it meets company and investor quality standards. Manage individual pipeline on a daily basis by completing Conventional loans, Non-Agency (including Bank Statement, Jumbo, and DSCR programs), simple and complex Underwriting Reviews, Conditions Reviews and other Underwriting Tasks within established turn times. Identify any document deficiencies, request additional information and/or documentation from Clients as needed. Navigate and interpret all Agency, Non-Agency and company guidelines. Assist other department personnel in interpreting underwriting guidelines, update loan status and complete all necessary tasks assigned to loan. Contact clients to provide updates and clarification on outstanding conditions and deficiencies identified on loans. Experience associated with client-initiated scenario questions and ability to provide live assistance with loan structure and solution-based guidance. What you'll need: Encompass LOS experience preferred Project management experience preferred Ability to communicate effectively and professionally Basic proficiency in Microsoft Office products (Excel, Word, etc.) Loan quality and risk management experience Excellent Customer/Client service skills Ability to work in a fast-paced production environment Self-starter, self-reliant, dependable, ability to work within and meet specific time constraints Excellent written and verbal communication skills Prioritization and Time Management skills Ability to learn and adapt to guideline changes Knowledge of FNMA and FHLMC guidelines Proficiency with automated underwriting systems such as Desktop Underwriter and Loan Product Advisor Benefits you'll love: We offer all the important things you'd want - like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career! About the company: AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC. Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email ************************** or call ************. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process. © Western Alliance Bancorporation

Spieldenner Financial Group is a part of the fastest-growing insurance organization in the country. Our most important focus areas include getting agents paid quickly, keeping costs minimal, and giving agents the training and support needed to achieve success. Job Duties: Setting Appointments: 6-8 hours per week: reaching out to potential clients that have previously requested coverage with our company and scheduling a time to meet with them to discuss their mortgage protection coverage. Research: 4-5 hours per week: digging into the information the client provided in order to customize options to meet their financial need in the case of a death or disability. Meeting with Families: 2 days per week: meeting with clients either virtually or in-person (the choice is yours) to present their options, discuss the details of the coverage, and help them apply for coverage. Administrative: 2 hours per week: following up with insurance carriers to facilitate client applications through underwriting Qualifications: We are looking for coachable, challenge-seeking, self-disciplined individuals with a growth mindset: Skill set isn't everything for this position. What We Do: We serve people: Every week, we sit with our clients (in person or virtually) and take a deep dive into their financial situation. We protect our clients: We partner with top-rated insurance companies to customize a plan that provides a personalized solution that will protect their largest asset: the ability to make an income. We grow : We are a personal development company that just happens to sell insurance. We strive to make a generational impact in the lives of our clients, our agents, and our community! What Sets us Apart: We maintain a people-first mentality that starts and ends with our agents. Our unparalleled benefits and connections within the insurance industry ensure that our agents have the resources they need to excel inside and outside of work If you feel this might be the home you have been looking for. Click APPLY! Commissions as a New Agent: This position is a commission-only based sales position. The average commission on a mortgage protection product is approximately $600 per family you protect. Our expectation is that a full-time agent will sell 5 to 10 mortgage protection plans per week. In addition to mortgage protection, we also have a selection of premium financial products to help people save for retirement or protect their current retirement accounts (e.g. 401k's and IRA's) from losing money in the stock market. We have extensive training on how these products work and how to sell them. In addition to uncapped commission, we have a competitive bonus structure program along with incentive trips agents/managers can qualify for based on their individual and team results. ***No agent's success, earnings, or production results should be viewed as typical, average, or expected. Not all agents achieve the same or similar results, and no particular results are guaranteed. Your level of success will be determined by several factors, including the amount of work you put in, your ability to successfully follow and implement our training and sales system and engage with our lead system, and the insurance needs of the customers in the geographic areas in which you choose to work.

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

WHO ARE WE: Alerus is a commercial wealth bank and national retirement provider with one core purpose: helping clients achieve their financial goals. We are driven by a shared commitment to always do the right thing; leading with integrity and providing valued advice and guidance to our clients. We value the expertise and skillsets each team member provides and encourage collaboration, innovation, adaptability, and an entrepreneurial spirit at all levels of our company. By consistently seeking improvements and growth, we foster long-term relationships with clients and team members. We are proud to be recognized as a Top Workplace by numerous industry and regional outlets. CORE VALUES: Passion for Excellence :: Success is Never Final :: Do the Right Thing :: One Alerus ABOUT THE ROLE: The Commercial Credit Underwriter III underwrites and monitors a portfolio of complex, large commercial and industrial (C&I) loans ranging in size from $1,000,000 to $25,000,000. Assigned portfolio may also include Owner Occupied and/or investor Commercial Real Estate loans. Will partner with Business Advisors to propose and negotiate lending solutions on new opportunities and underwrite credit risk. Responsible for determining the credit worthiness of borrowers and/or sponsors and recommending credit decisions. Monitors assigned portfolio credit relationships for covenant compliance, collateral monitoring, and credit deterioration, as applicable. Keeps apprised of industry related issues to analyze and determine their impact on specific industries, clients, or Alerus C&I portfolios. Performs all duties in accordance with policies, procedures, and regulatory requirements. WHAT YOU'LL BE DOING: Supports the loan decision making process by providing quality, in-depth credit analysis for complex C&I as well as OO and/or commercial RE loans. Develops comprehensive understanding of customer financial needs and project feasibility Recommends a plan of action while working collaboratively with Business Advisors and RCO regarding loan structure, monitoring and servicing loan relationship. Performs financial analysis including forecasting and sensitivity analysis to assist in determining borrower capacity to repay. Writes cogent credit narratives and perform advanced risk assessments of products, policy, structure, terms and financial strength with minimal to moderate guidance/feedback. Attends loan committee and support Business Advisors in addressing questions on submitted requests. Completes quarterly/annual loan reviews and renewals within required timeframes and with minimal guidance. Ensures loan requests adhere and comply with applicable bank regulations, policies and procedures. WHAT YOU SHOULD HAVE: Bachelor's degree or equivalent education, including upper-level courses in finance and accounting. 5-8 years of experience in a previous commercial underwriter position. 4+ years of experience working with large, complex business banking and commercial and industrial loans. In-depth knowledge of advanced loan documentation, banking laws, and regulations preferred, but not required. Self-motivated and demonstrates strong written and oral communication skills. Problem-solving capabilities. WHAT WE BRING TO THE TABLE: Competitive compensation including base salary, bonus and/or incentive opportunities. Comprehensive benefits package providing a wide range of health and well-being benefits, including medical, dental, vision, life and long-term disability insurance; and 401(k) and ESOP for retirement savings. Generous paid time off programs such as flexible time off, company-paid holidays, parental and bereavement leave. Learning and development resources for personal and professional career development, and advancement opportunities. Access to financial experts for guidance, financial wellness tools, and discounts on Alerus products and services. Support for the communities we live in through paid volunteer time and a company donation match opportunity. WORK ENVIRONMENT: Work is typically performed in an office setting. The employee is regularly required to sit for extended periods of time. The employee is occasionally required to move about the office utilizing proper ergonomic safeguards when doing so. Additionally, the employee must occasionally lift or move supplies and materials up to 20 pounds. BASE PAY RANGE: $95,000 - $150,000 annually The above information in this description has been designed to indicate the general nature and level of work performed by employees in this position. It is not designed to contain or be interpreted as an exhaustive list of all responsibilities, duties, and qualifications required of employees assigned to this job. Alerus is an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Company Details Berkley Aspire is passionate about making excess and surplus lines business easy to transact. We differentiate ourselves by continually innovating to bring market-leading technology and services to our agents and their clients. From direct bill with installments, to not requiring renewal applications for 80% of our small business policies, we focus on making it easy, expeditious, and efficient for agents and consumers. Berkley Aspire writes from small, minimum premium, policies to accounts over six figures. We offer General Liability, Property, Inland Marine and Excess policies through Berkley appointed agencies in 49 states. Benefit Highlights• Aspire offers Medical, Dental and Vision coverage. Our onsite Scottsdale, AZ Wellness Center and companywide Employee Assistance Program are free to employees and are here to support your overall well-being. Our flexible work schedule with a work-from-home day means you can balance work and life like a pro.• Our Health Savings Accounts have automatic company contributions if you sign up, and we offer Flexible Spending Accounts, STD, LTD, life insurance policies, and more. Plus, we offer a 401(k) program, profit-sharing program, and stock purchase plan - investing in your future has never been so rewarding.• We've got you covered with competitive paid time off, paid sick time, and 12 weeks of paid parental leave. Plus, you get paid holidays, a floating holiday, and paid volunteer time - because giving back to the community is important to us at Aspire!• Come grow with us! Level up with company sponsored conferences, tuition assistance, and industry-related education and exams. We have many internal promotional growth opportunities - because we believe in growing together.• We believe in working hard and playing hard. We embrace team building and are enthusiastic about sponsoring fun activities inside and outside of the office. Our Plum Benefits program gives you cost-free access to thousands of exclusive travel and entertainment discounts - it's like a VIP pass to fun. ********************* Responsibilities The E&S Small Business Underwriter - Strategic Accounts will produce new business as part of an assigned territory underwriting team(s). The SBU will help manage the assigned underwriting territory(s) to achieve profitable growth, including underwriting new business and marketing to our Agent partners. Identify new business opportunities and manage agency relationships. Specific Duties: * Review and underwrite new business submissions for acceptability according to authority granted. * Evaluate, accept, reject, or modify risks within established underwriting guidelines and authority. Comply with company policies, procedures and rating plans when evaluating and managing risk. * Make sound risk and pricing decisions that achieve profitable loss ratios. * Achieve designated customer service standards with a focus on fast turn-around time. * Participate in territory team marketing calls, video conferences, and agency visits. Some travel may be required. * Provide detailed issuance instructions to ensure policy is delivered consistent with quoted terms and conditions and in accordance with established guidelines relative to policy constructio * Utilize various underwriting tools to determine acceptable risk characteristics, accurate classifications, insurance to value, calculate rates, etc. * Recognize and create cross-selling opportunities for other company products. * Actively market small commercial product to agents and travel within assigned territory, as necessary. * Reinforce our "ease of doing business" model by meeting or exceeding expectations and service standards on a consistent basis. * Continues to increase underwriting knowledge and skills. This may be done through formal education (AINS, ASLI, CPCU, CIC). * Operates according to underwriting authority as granted by Berkley Aspire. Qualifications * Bachelor's degree and two plus years related insurance experience; or equivalent combination of education and experience. * Minimum of two years of experience in E&S underwriting. * Must have strong customer service background in a professional environment. * Have obtained or be actively working on obtaining insurance designations relevant to our field (AINS, ASLI, CPCU, CIC) id preferred. * Strong customer focus and the ability to respond with a sense of urgency. * Entrepreneurial qualities, such as trying innovative solutions, resiliency to change and recognizing what is most important to get done. * Teamwork, providing and welcoming open, honest, respectful, and constructive feedback. * Ability to work independently and in a team environment. * Ability to communicate effectively. * Demonstrated strong written and verbal communication skills. Additional Company Details We do not accept any unsolicited resumes from external recruiting firms. The company offers a competitive compensation plan and robust benefits package for full time regular employees which for this role includes: Health, Dental, Vision, Life, Disability, Wellness, Paid Time Off, 401(k) and Profit-Sharing plans. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. This role will be eligible to participate in the annual discretionary bonus program. Sponsorship Details Sponsorship not Offered for this Role Responsibilities The E&S Small Business Underwriter - Strategic Accounts will produce new business as part of an assigned territory underwriting team(s). The SBU will help manage the assigned underwriting territory(s) to achieve profitable growth, including underwriting new business and marketing to our Agent partners. Identify new business opportunities and manage agency relationships. Specific Duties: - Review and underwrite new business submissions for acceptability according to authority granted. - Evaluate, accept, reject, or modify risks within established underwriting guidelines and authority. Comply with company policies, procedures and rating plans when evaluating and managing risk. - Make sound risk and pricing decisions that achieve profitable loss ratios. - Achieve designated customer service standards with a focus on fast turn-around time. - Participate in territory team marketing calls, video conferences, and agency visits. Some travel may be required. - Provide detailed issuance instructions to ensure policy is delivered consistent with quoted terms and conditions and in accordance with established guidelines relative to policy constructio - Utilize various underwriting tools to determine acceptable risk characteristics, accurate classifications, insurance to value, calculate rates, etc. - Recognize and create cross-selling opportunities for other company products. - Actively market small commercial product to agents and travel within assigned territory, as necessary. - Reinforce our "ease of doing business" model by meeting or exceeding expectations and service standards on a consistent basis. - Continues to increase underwriting knowledge and skills. This may be done through formal education (AINS, ASLI, CPCU, CIC). - Operates according to underwriting authority as granted by Berkley Aspire.

Join the company defining what it means to be an Impact Lender! Mortgages are what we do, but that doesn't define who we are. In 2008, Movement disrupted the industry with the innovative 6-7-1 mortgage process. In 2023, we pioneered again, helping launch Impact Lending - a new category of lending. Any mortgage lender that commits at least 10% of its profits to helping the neighborhoods it serves is an Impact Lender. At Movement, we are Impact Lenders. We give 40%-50% of our profits to making an impact in our communities. For us, purpose and people have always come before profit. Ready to disrupt the mortgage industry with us as a Mortgage Underwriter II? Then we think it's time to #join Movement What You Need To Know We don't need to tell you what a Mortgage Underwriter is, but we do want to tell you why underwriting at Movement is better. We have redefined the mortgage industry, and one of the ways that makes us unique is that our process starts with you! We have removed obstacles like appraisal and title so you can just focus on making the best decision for our customers and bring families home faster. A Movement Mortgage Underwriter acts as our gatekeeper with upfront underwriting. We truly value your knowledge, so we empower you to make critical judgments. All of this in a stable, high-growth environment filled with opportunity and strong values. What We Are Looking For 3+ years of front-end Mortgage Underwriter experience DE and/or SAR Certification Familiar with upfront review and makes the initial credit decision based on company checklists and guidelines Issues loan approvals or escalates files to loan committee when necessary based on Company guidelines Experience grading loan application quality based on criteria covered in training Methodical and analytical personality with the ability to underwrite FHA loans using our unique, upfront method Experience reviewing loan files for self-employed applicants and FHA loans and income analysis for self-employed applicants Even Better Associate's Degree in Business Management or related field 5+ years of mortgage industry experience Experience with purchase loans is preferred Ability to work extended hours (late evenings and weekend work may be required) Sound like a good fit? Let's talk about how we can work together The expected salary range for this position is between: $73,400.00 - $99,400.00 The range for the position in other geographies may vary based on market differences. The actual compensation will be determined based on experience and other factors permitted by law. We also offer a benefits package that includes: Competitive pay Benefits Offered: Medical, Dental, Vision, Life, Disability, Critical Care, Hospitalization, HSA, FSA, DCFSA and QTE Retirement plan: 401(k) and Roth Paid Time Off: 16 days front loaded. Prorated based on the start date month 11.5 paid holidays per year Employee assistance program Excellent career growth opportunity Fun, team-focused working environment Employee driven community outreach program Relocation packages available The application window is anticipated to close on: November 1, 2025 We're definitely not your average mortgage company. When you're ready to grow your career AND your impact, we're ready for you. We're also one of the nation's top lenders and are redefining corporate culture. We work hard, we have fun, we invest in our people and we make a difference. Sound like a plan? Good. Learn more at *****************

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.

WHO ARE WE: Alerus is a commercial wealth bank and national retirement provider with one core purpose: helping clients achieve their financial goals. We are driven by a shared commitment to always do the right thing; leading with integrity and providing valued advice and guidance to our clients. We value the expertise and skillsets each team member provides and encourage collaboration, innovation, adaptability, and an entrepreneurial spirit at all levels of our company. By consistently seeking improvements and growth, we foster long-term relationships with clients and team members. We are proud to be recognized as a Top Workplace by numerous industry and regional outlets. CORE VALUES: Passion for Excellence :: Success is Never Final :: Do the Right Thing :: One Alerus ABOUT THE ROLE: The Underwriter II, CRE is accountable for portfolio of commercial loans generally varying in loan relationships size of $750,000 to $3,500,000, including underwriting credit risk and granting credit approval within prescribed level of loan authority in conjunction with Lead or Senior Underwriters, or presenting credit recommendation to Loan Committee; facilitating loan closing; and servicing booked loans. Contributes to effective risk management through ordering and execution of loan documentation and ongoing monitoring of customer-supplied information and collateral administration. WHAT YOU'LL BE DOING: Provide in-depth credit and risk analysis and communicate underwriting results with Financial Guide and customer. Approve or decline commercial credit applications to contribute to sound loan portfolio management. Develop a comprehensive understanding of customer's financial needs and formulate a plan for loan structure and servicing. Perform financial statement forecasting and sensitivity analysis to determine borrower's capacity to repay debt. Write credit narratives and perform risk assessments of product, policy, structure, terms, and customer financial strength. Independently grade all credits in accordance with the bank's credit classification system. Ensure proper documentation and closing of loan transactions and conduct ongoing account monitoring. Meet with customers to close loan transactions and maintain consulting credit relationships. Identify potential new lending needs in existing relationships and suggest solutions. Participate in research projects and maintain industry knowledge. WHAT YOU SHOULD HAVE: Bachelor's degree or equivalent education to include upper-level courses in finance and accounting. 5-7 years of experience working with Ag or commercial loans. In-depth knowledge of advanced loan documentation, banking laws, and regulations preferred. Experience assessing, selling, and closing all types of agricultural, commercial, and commercial real estate loans. WHAT WE BRING TO THE TABLE: Competitive compensation including base salary, bonus and/or incentive opportunities. Comprehensive benefits package providing a wide range of health and well-being benefits, including medical, dental, vision, life and long-term disability insurance; and 401(k) and ESOP for retirement savings. Generous paid time off programs such as flexible time off, company-paid holidays, parental and bereavement leave. Learning and development resources for personal and professional career development, and advancement opportunities. Access to financial experts for guidance, financial wellness tools, and discounts on Alerus products and services. Support for the communities we live in through paid volunteer time and a company donation match opportunity. WORK ENVIRONMENT: Work is typically performed in an office setting. The employee is regularly required to sit for extended periods of time. The employee is occasionally required to move about the office utilizing proper ergonomic safeguards when doing so. Additionally, the employee must occasionally lift or move supplies and materials up to 20 pounds. BASE PAY RANGE: $80,000 - $110,000 annually The above information in this description has been designed to indicate the general nature and level of work performed by employees in this position. It is not designed to contain or be interpreted as an exhaustive list of all responsibilities, duties, and qualifications required of employees assigned to this job. Alerus is an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Company Details Berkley Aspire is passionate about making excess and surplus lines business easy to transact. We differentiate ourselves by continually innovating to bring market-leading technology and services to our agents and their clients. From direct bill with installments, to not requiring renewal applications for 80% of our small business policies, we focus on making it easy, expeditious, and efficient for agents and consumers. Berkley Aspire writes from small, minimum premium, policies to accounts over six figures. We offer General Liability, Property, Inland Marine and Excess policies through Berkley appointed agencies in 49 states. Benefit Highlights• Aspire offers Medical, Dental and Vision coverage. Our onsite Scottsdale, AZ Wellness Center and companywide Employee Assistance Program are free to employees and are here to support your overall well-being. Our flexible work schedule with a work-from-home day means you can balance work and life like a pro.• Our Health Savings Accounts have automatic company contributions if you sign up, and we offer Flexible Spending Accounts, STD, LTD, life insurance policies, and more. Plus, we offer a 401(k) program, profit-sharing program, and stock purchase plan - investing in your future has never been so rewarding.• We've got you covered with competitive paid time off, paid sick time, and 12 weeks of paid parental leave. Plus, you get paid holidays, a floating holiday, and paid volunteer time - because giving back to the community is important to us at Aspire!• Come grow with us! Level up with company sponsored conferences, tuition assistance, and industry-related education and exams. We have many internal promotional growth opportunities - because we believe in growing together.• We believe in working hard and playing hard. We embrace team building and are enthusiastic about sponsoring fun activities inside and outside of the office. Our Plum Benefits program gives you cost-free access to thousands of exclusive travel and entertainment discounts - it's like a VIP pass to fun. ********************* Responsibilities The E&S Business Development Underwriter - Strategic Accounts will manage assigned strategic account underwriting to achieve profitable growth, including underwriting new business, renewals, endorsements and other transactions. The role can be located in our Dallas, TX office or most western US locations. This individual will identify new business opportunities and manage strategic partner relationships. * Develop relationships and educate agents within agency plant to maximize opportunities and achieve profitable growth. * Initiate outbound calls to agencies to identify sales opportunities and collect agent intelligence. * Achieve new business premium, renewal premium retention and rate change objectives. * Within company guidelines and granted underwriting authority, evaluate new and renewal account information to determine risk acceptability, terms / conditions to be quoted, and pricing. * Make sound risk and pricing decisions that achieve profitable loss ratios. * Maintain underwriting quality score of 90% or greater. Document underwriting file to support acceptability and pricing in accordance with company guidelines. * Achieve customer service standards, including established objectives for: * New business quote turnaround * Renewal quotes * Endorsement, cancellation, audits and other transactions * Policy issuance * Provide detailed issuance instructions to ensure policy is delivered consistent with quoted terms and conditions and in accordance with established guidelines relative to policy construction. * Review mid-term endorsement requests for acceptability and provide instructions for processing. * Evaluate premium audit referrals to determine class acceptability and/or appropriateness of current exposure base. Adjust current term with acceptable changes to ensure company gets timely payment of adequate premium. * Order and review inspections to confirm accounts written are consistent with preliminary underwriting information and takes action when the inspection reveals unacceptable risk characteristics. * Assist with training, mentoring and coaching of less experienced team members. * Determine if facultative reinsurance is needed and if so, factor reinsurance cost in gross pricing, complete cession procedures; documentation file, and follow established workflow procedure to ensure proper reporting / accounting. * Utilize various underwriting tools to: * Determine acceptable risk characteristics * Determine accurate exposure classifications * Set adequate property limits to accomplish appropriate insurance to value * Rate and quote business to agents * Support other underwriters as assigned when the other underwriter is traveling or out on vacation / sick time. #LI-Remote Qualifications * Demonstrated success in commercial lines property casualty insurance businesses. * 5+ years of commercial lines underwriting experience, E&S experience highly preferred. * Past experience working with independent agents is preferred. Surplus lines underwriting experience is highly preferred. * Basic knowledge of computer programs in a Windows environment, including Word, Excel and E-mail is required. * Prior experience working in a paperless environment, including familiarity with on-line underwriting tools is preferred (e.g. SAGE, Silver Plume, and Reference Connect). * Ability to travel within your territory up to 50%. #LI - Remote Additional Company Details We do not accept any unsolicited resumes from external recruiting firms. The company offers a competitive compensation plan and robust benefits package for full time regular employees which for this role includes: Health, Dental, Vision, Life, Disability, Wellness, Paid Time Off, 401(k) and Profit-Sharing plans. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. This role will be eligible to participate in the annual discretionary bonus program. Sponsorship Details Sponsorship not Offered for this Role Responsibilities The E&S Business Development Underwriter - Strategic Accounts will manage assigned strategic account underwriting to achieve profitable growth, including underwriting new business, renewals, endorsements and other transactions. The role can be located in our Dallas, TX office or most western US locations. This individual will identify new business opportunities and manage strategic partner relationships. - Develop relationships and educate agents within agency plant to maximize opportunities and achieve profitable growth. - Initiate outbound calls to agencies to identify sales opportunities and collect agent intelligence. - Achieve new business premium, renewal premium retention and rate change objectives. - Within company guidelines and granted underwriting authority, evaluate new and renewal account information to determine risk acceptability, terms / conditions to be quoted, and pricing. - Make sound risk and pricing decisions that achieve profitable loss ratios. - Maintain underwriting quality score of 90% or greater. Document underwriting file to support acceptability and pricing in accordance with company guidelines. - Achieve customer service standards, including established objectives for: - New business quote turnaround - Renewal quotes - Endorsement, cancellation, audits and other transactions - Policy issuance - Provide detailed issuance instructions to ensure policy is delivered consistent with quoted terms and conditions and in accordance with established guidelines relative to policy construction. - Review mid-term endorsement requests for acceptability and provide instructions for processing. - Evaluate premium audit referrals to determine class acceptability and/or appropriateness of current exposure base. Adjust current term with acceptable changes to ensure company gets timely payment of adequate premium. - Order and review inspections to confirm accounts written are consistent with preliminary underwriting information and takes action when the inspection reveals unacceptable risk characteristics. - Assist with training, mentoring and coaching of less experienced team members. - Determine if facultative reinsurance is needed and if so, factor reinsurance cost in gross pricing, complete cession procedures; documentation file, and follow established workflow procedure to ensure proper reporting / accounting. - Utilize various underwriting tools to: - Determine acceptable risk characteristics - Determine accurate exposure classifications - Set adequate property limits to accomplish appropriate insurance to value - Rate and quote business to agents - Support other underwriters as assigned when the other underwriter is traveling or out on vacation / sick time. #LI-Remote

Company Details Berkley Aspire is passionate about making excess and surplus lines business easy to transact. We differentiate ourselves by continually innovating to bring market-leading technology and services to our agents and their clients. From direct bill with installments, to not requiring renewal applications for 80% of our small business policies, we focus on making it easy, expeditious, and efficient for agents and consumers. Berkley Aspire writes from small, minimum premium, policies to accounts over six figures. We offer General Liability, Property, Inland Marine and Excess policies through Berkley appointed agencies in 49 states. Benefit Highlights • Aspire offers Medical, Dental and Vision coverage. Our onsite Scottsdale, AZ Wellness Center and companywide Employee Assistance Program are free to employees and are here to support your overall well-being. Our flexible work schedule with a work-from-home day means you can balance work and life like a pro. • Our Health Savings Accounts have automatic company contributions if you sign up, and we offer Flexible Spending Accounts, STD, LTD, life insurance policies, and more. Plus, we offer a 401(k) program, profit-sharing program, and stock purchase plan - investing in your future has never been so rewarding. • We've got you covered with competitive paid time off, paid sick time, and 12 weeks of paid parental leave. Plus, you get paid holidays, a floating holiday, and paid volunteer time - because giving back to the community is important to us at Aspire! • Come grow with us! Level up with company sponsored conferences, tuition assistance, and industry-related education and exams. We have many internal promotional growth opportunities - because we believe in growing together. • We believe in working hard and playing hard. We embrace team building and are enthusiastic about sponsoring fun activities inside and outside of the office. Our Plum Benefits program gives you cost-free access to thousands of exclusive travel and entertainment discounts - it's like a VIP pass to fun. ********************* Responsibilities The E&S Business Development Underwriter - Strategic Accounts will manage assigned strategic account underwriting to achieve profitable growth, including underwriting new business, renewals, endorsements and other transactions. The role can be located in our Dallas, TX office or most western US locations. This individual will identify new business opportunities and manage strategic partner relationships. Develop relationships and educate agents within agency plant to maximize opportunities and achieve profitable growth. Initiate outbound calls to agencies to identify sales opportunities and collect agent intelligence. Achieve new business premium, renewal premium retention and rate change objectives. Within company guidelines and granted underwriting authority, evaluate new and renewal account information to determine risk acceptability, terms / conditions to be quoted, and pricing. Make sound risk and pricing decisions that achieve profitable loss ratios. Maintain underwriting quality score of 90% or greater. Document underwriting file to support acceptability and pricing in accordance with company guidelines. Achieve customer service standards, including established objectives for: New business quote turnaround Renewal quotes Endorsement, cancellation, audits and other transactions Policy issuance Provide detailed issuance instructions to ensure policy is delivered consistent with quoted terms and conditions and in accordance with established guidelines relative to policy construction. Review mid-term endorsement requests for acceptability and provide instructions for processing. Evaluate premium audit referrals to determine class acceptability and/or appropriateness of current exposure base. Adjust current term with acceptable changes to ensure company gets timely payment of adequate premium. Order and review inspections to confirm accounts written are consistent with preliminary underwriting information and takes action when the inspection reveals unacceptable risk characteristics. Assist with training, mentoring and coaching of less experienced team members. Determine if facultative reinsurance is needed and if so, factor reinsurance cost in gross pricing, complete cession procedures; documentation file, and follow established workflow procedure to ensure proper reporting / accounting. Utilize various underwriting tools to: Determine acceptable risk characteristics Determine accurate exposure classifications Set adequate property limits to accomplish appropriate insurance to value Rate and quote business to agents Support other underwriters as assigned when the other underwriter is traveling or out on vacation / sick time. #LI-Remote Qualifications Demonstrated success in commercial lines property casualty insurance businesses. 5+ years of commercial lines underwriting experience, E&S experience highly preferred. Past experience working with independent agents is preferred. Surplus lines underwriting experience is highly preferred. Basic knowledge of computer programs in a Windows environment, including Word, Excel and E-mail is required. Prior experience working in a paperless environment, including familiarity with on-line underwriting tools is preferred (e.g. SAGE, Silver Plume, and Reference Connect). Ability to travel within your territory up to 50%. #LI - Remote Additional Company Details We do not accept any unsolicited resumes from external recruiting firms. The company offers a competitive compensation plan and robust benefits package for full time regular employees which for this role includes: Health, Dental, Vision, Life, Disability, Wellness, Paid Time Off, 401(k) and Profit-Sharing plans. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. This role will be eligible to participate in the annual discretionary bonus program. Sponsorship Details Sponsorship not Offered for this Role

Company Details Berkley Aspire is passionate about making excess and surplus lines business easy to transact. We differentiate ourselves by continually innovating to bring market-leading technology and services to our agents and their clients. From direct bill with installments, to not requiring renewal applications for 80% of our small business policies, we focus on making it easy, expeditious, and efficient for agents and consumers. Berkley Aspire writes from small, minimum premium, policies to accounts over six figures. We offer General Liability, Property, Inland Marine and Excess policies through Berkley appointed agencies in 49 states. Benefit Highlights • Aspire offers Medical, Dental and Vision coverage. Our onsite Scottsdale, AZ Wellness Center and companywide Employee Assistance Program are free to employees and are here to support your overall well-being. Our flexible work schedule with a work-from-home day means you can balance work and life like a pro. • Our Health Savings Accounts have automatic company contributions if you sign up, and we offer Flexible Spending Accounts, STD, LTD, life insurance policies, and more. Plus, we offer a 401(k) program, profit-sharing program, and stock purchase plan - investing in your future has never been so rewarding. • We've got you covered with competitive paid time off, paid sick time, and 12 weeks of paid parental leave. Plus, you get paid holidays, a floating holiday, and paid volunteer time - because giving back to the community is important to us at Aspire! • Come grow with us! Level up with company sponsored conferences, tuition assistance, and industry-related education and exams. We have many internal promotional growth opportunities - because we believe in growing together. • We believe in working hard and playing hard. We embrace team building and are enthusiastic about sponsoring fun activities inside and outside of the office. Our Plum Benefits program gives you cost-free access to thousands of exclusive travel and entertainment discounts - it's like a VIP pass to fun. ********************* Responsibilities The E&S Small Business Underwriter - Strategic Accounts will produce new business as part of an assigned territory underwriting team(s). The SBU will help manage the assigned underwriting territory(s) to achieve profitable growth, including underwriting new business and marketing to our Agent partners. Identify new business opportunities and manage agency relationships. Specific Duties: Review and underwrite new business submissions for acceptability according to authority granted. Evaluate, accept, reject, or modify risks within established underwriting guidelines and authority. Comply with company policies, procedures and rating plans when evaluating and managing risk. Make sound risk and pricing decisions that achieve profitable loss ratios. Achieve designated customer service standards with a focus on fast turn-around time. Participate in territory team marketing calls, video conferences, and agency visits. Some travel may be required. Provide detailed issuance instructions to ensure policy is delivered consistent with quoted terms and conditions and in accordance with established guidelines relative to policy constructio Utilize various underwriting tools to determine acceptable risk characteristics, accurate classifications, insurance to value, calculate rates, etc. Recognize and create cross-selling opportunities for other company products. Actively market small commercial product to agents and travel within assigned territory, as necessary. Reinforce our “ease of doing business” model by meeting or exceeding expectations and service standards on a consistent basis. Continues to increase underwriting knowledge and skills. This may be done through formal education (AINS, ASLI, CPCU, CIC). Operates according to underwriting authority as granted by Berkley Aspire. Qualifications Bachelor's degree and two plus years related insurance experience; or equivalent combination of education and experience. Minimum of two years of experience in E&S underwriting. Must have strong customer service background in a professional environment. Have obtained or be actively working on obtaining insurance designations relevant to our field (AINS, ASLI, CPCU, CIC) id preferred. Strong customer focus and the ability to respond with a sense of urgency. Entrepreneurial qualities, such as trying innovative solutions, resiliency to change and recognizing what is most important to get done. Teamwork, providing and welcoming open, honest, respectful, and constructive feedback. Ability to work independently and in a team environment. Ability to communicate effectively. Demonstrated strong written and verbal communication skills. Additional Company Details We do not accept any unsolicited resumes from external recruiting firms. The company offers a competitive compensation plan and robust benefits package for full time regular employees which for this role includes: Health, Dental, Vision, Life, Disability, Wellness, Paid Time Off, 401(k) and Profit-Sharing plans. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. This role will be eligible to participate in the annual discretionary bonus program. Sponsorship Details Sponsorship not Offered for this Role