Underwriter jobs in Hamilton, NJ - 119 jobs

Predominantly remote position with travel to the Edison, NJ office for the first week of training and one week per quarter. The Underwriter develops and fosters positive, professional relationships with the company's agency partners, as well as achieves company growth and profitability objectives. The underwriter is expected to exhibit a medium level of technical expertise, while exercising sound judgment, and delivering consistent results. Essential Duties and Responsibilities: Develops and maintain a strong working knowledge of company underwriting guidelines, coverage forms, enhancements, rating plans, and workflow Determine the acceptability of commercial lines package and umbrella policies based on company underwriting guidelines Uses underwriting information such as inspection reports, claims history, and commercial applications to make appropriate underwriting decision Determine appropriate premium levels and coverages for commercial package and umbrella policies based on filed rates and individual risk characteristics Responsible for maintaining strong business relationships with assigned agencies, which will include agency travel and agency management responsibilities Meet or exceed all company service standards for underwriting and processing commercial lines applications, endorsements, renewal policies, and new business policies Participates in special projects and performs additional duties as required. Qualifications Education and Experience: Bachelors degree required. Minimum of 4 years commercial multi-line and/or package underwriting experience required; Workers compensation and casualty experience preferred. Excellent computer skills and working knowledge of Microsoft 365 required. Completed or in process of completing a Professional Designation such as CPCU, CIC, ARM, AU preferred. Experience with ImageRight preferred. Skills: Excellent interpersonal, verbal and written communication skills required. Strong organizational and time management skills required. Proficient negotiation and analytical skills required. Demonstrated ability to exhibit sound judgment and decision making as per company underwriting guidelines and philosophy. The salary range for this role is $77,500-160,700. The listed annual salary range posted for this position is subject to change and may vary depending on performance, education, experience, skills, geographic location, travel requirements, demonstrated proficiency in the competencies required for the role and business needs. Base pay is just one component of GNY's total compensation package for employees. Other rewards include eligibility for an annual discretionary bonus based on performance.

Responsible for assisting Underwriters in reviewing, underwriting and rating broker submissions for new and renewal business. Ensures content of submissions is complete; obtains additional information from Brokers and Account Managers as needed. Works with Underwriters and markets to obtain quotes, negotiate pricing, define coverages, and determine taxes, fees & commissions. Performs all duties in accordance with all company policies and procedures, and all federal, state and local laws, wherein the Company operates. ESSENTIAL DUTIES AND RESPONSIBILITIES Reviews policies, contracts and/or programs to identify errors and omissions and discrepancies to insure agreement with application, quote, proposal, and/or binder; Assists in Underwriting risks, suggesting rates and premiums based on coverage and performs demographic analysis for new and/or renewal business; Coordinates the preparation of policy delivery with all related documents; Assists in Underwriting a book of new and renewal business; Communicates with markets to ascertain all necessary documentation for new and renewal business; Participates in Meetings with brokers, underwriters, account executives and carrier representatives; Assists in preparing Renewal Specifications as required by Management; Services Account Manager calls, researches & collaborates with underwriters to answer questions; regarding client coverage, limits and deductibles; Maintains files for submissions, and written/lost business; Maintains client suspense; conducts follow-ups as appropriate; Assists Account Managers to resolve complex issues; Computes rates and premiums for policies, compiles appropriate declarations, coverage forms, national/local forms, and optional endorsements to complete a policy in accordance with underwriting guidelines; Assists in the issuance of appropriate documents and assembling of policies; Complies with agency management system data standards and data integrity (enters and maintains complete and accurate information); Other duties as assigned. QUALIFICATIONS EDUCATION / EXPERIENCE Bachelor's Degree or equivalent combination of education and experience Three (3) or more years related work experience; Valid driver's license SKILLS Excellent verbal and written communication skills Good customer service skills, including telephone and listening skills Ability to perform complex mathematical functions Good problem solving and time management skills Ability to work within a team and to foster teamwork Good planning, organizational and prioritization skills Proficient in Microsoft Office products#LI-DR1

This is your opportunity to join AXIS Capital - a trusted global provider of specialty lines insurance and reinsurance. We stand apart for our outstanding client service, intelligent risk taking and superior risk adjusted returns for our shareholders. We also proudly maintain an entrepreneurial, disciplined and ethical corporate culture. As a member of AXIS, you join a team that is among the best in the industry. At AXIS, we believe that we are only as strong as our people. We strive to create an inclusive and welcoming culture where employees of all backgrounds and from all walks of life feel comfortable and empowered to be themselves. This means that we bring our whole selves to work. All qualified applicants will receive consideration for employment without regard to race, color, religion or creed, sex, pregnancy, sexual orientation, gender identity or expression, national origin or ancestry, citizenship, physical or mental disability, age, marital status, civil union status, family or parental status, or any other characteristic protected by law. Accommodation is available upon request for candidates taking part in the selection process. Leisure Travel Underwriter How does this role contribute to our collective success? AXIS Specialty A&H works with various Managing General Underwriters (MGUs) and Program Managers that are or will generate significant Accident & Health business in the U.S. and Canada in addition to new opportunities in 2026. This individual, will act within established guidelines to develop, analyze, review, evaluate and monitor new and renewal accounts, process accounts and handle underwriting activities. What will you do in this role? * Perform all underwriting roles for Leisure Travel business. * Underwriting existing A&H Partners: * Evaluates cases as received from MGUs and Program Managers. * For complex opportunities/programs, reviews and evaluates submissions to determine risk acceptability and coverage levels. Then works with Actuarial team for approval. * Works closely with program manager and external MGUs/Program Mangers to obtain additional required information in determining either our new business or renewal position. * Works with Legal, Product, Operations and Business Development to modify existing MGUs/Programs. * Develops and maintains both internal and external producer/program relationships. * Sets appropriate premium rates, issues proposals for programs/cases, and letters of intent when appropriate. * Performs a portfolio review on an annual basis to determine renewal position for the book of business. * Reporting: * Updates and Maintains Monthly Specialty A&H UW Reports. * Creates ad hoc reports when necessary. * Policy Issuance: * Creates and issues all policies that are not within the Template authority delegated to MGUs/MGAs * Achieve targeted loss ratios and combined ratios by maintaining underwriting discipline through the underwriting selection and renewal process. * Manages day-to-day tasks of assigned risk portfolio. * Acts as liaison between internal functional departments and external vendors. * Handles special projects and assignments at the request of A&H leadership team. * Ensure digital files are maintained per AXIS Insurance procedures including but not limited to proper documentation, structure, and authorizations. You may also be required to take on additional duties, responsibilities and activities appropriate to the nature of this role. About You: We encourage you to bring your own experience and expertise to the table, so while there are some qualifications and experiences, we need you to have, we are open to discussing how your individual knowledge might lend itself to fulfilling this role and help us achieve our goals. What you need to have: * Bachelor's degree in Business, Accounting, Mathematics, Finance, Risk Management, Insurance or related field preferred * Requires at least two (2) years Accident & Health Underwriting experience. P&C insurance is not required but helpful. * Requires at least three (3) years of experience working with and overseeing MGAs/MGUs or Program Managers. * Market Segment knowledge: Leisure Travel. * Product knowledge: Accidental Death, Accident Medical Expense, Catastrophic Medical, Disability, Participant Accident, Out of Country Medical Insurance and Leisure Travel Insurance a plus. * Other product knowledge helpful but not required: Corporate Accident (Business Travel Accident, Voluntary Accident), Occupational Accident, Critical Illness, Life, Supplemental Medical, Dental and Vision. * Ability to work with large data sets to evaluate past performance and use data to determine acceptable rating metrics. What we prefer you to have: * Strong project management skills * Experience in Power BI or other Dashboard reporting system. * Strong presentation skills * Strong financial acumen * Demonstrated communication skills to interact well with Senior Management & external partners. * Demonstrated attention to detail and accuracy. * Excellent negotiation and interpersonal communication skills. * Ability to work in fast-paced environment. * Team player. * Displays initiative and ability to work independently. Role Factors: * Travel required (10%) * Attend broker events in evenings and occasionally at weekends as required. What we offer: For this position, we currently expect to offer a base salary in the range of $110k to $150k. Your salary offer will be based on an assessment of a variety of factors including your specific experience and work location. In addition, you will be offered competitive target incentive compensation, with awards based on overall corporate and individual performance. On top of this, you will be eligible for a comprehensive and competitive benefits package which includes medical plans for you and your family, health and wellness programs, retirement plans, tuition reimbursement, paid vacation, and much more. Where this role is based in the United States of America, this role is Exempt for FLSA purposes.

***N ote t o all Arizona Candidates: Please apply to the positions labeled "Arizona" on our Careers page. specific to Arizona. *** AnnieMac Home Mortgage is looking to hire a Full-Time Non-QM Underwriter to be responsible for the underwriting of loans in accordance with company and investor guidelines. Candidates should have experience directly or indirectly related to the Mortgage Industry. Under the direct supervision of the Underwriting Manager the accountabilities and job activities of the Non-QM Underwriter position include, but are not limited, to the following: Timely underwriting of loan credit packages and appraisals for compliance with various investor and government agency guidelines. Contact with private investors and government agencies to resolve any issues or questions that may arise on loan files, programs, etc. Review and analyze income from both personal and corporate tax returns. Communicate decision on loans to appropriate parties both verbally and in writing. Analyze loan packages for any sign of fraudulent documentation or information. Work with Loan Originators to restructure questionable loans into a salable package. Remain informed of all government regulations, requirements and laws for both branch and broker submissions. Consult with the Processing and Closing departments to ensure that all underwriting conditions are met prior to closing the loan. Review and clear all underwriting conditions prior to closing. Qualifications 5 years Conventional front-line underwriting. 3 years manual underwriting (Jumbo, Non-QM, conv, FHA) required. 2 years Non-QM underwriting experience required. Pass pre-hire assessment. Complete new hire training including underwriting of test cases and second level review of “live” loans. Knowledge of various investor guidelines and requirements. Minimum of 20 mbps download and 3 mbps upload internet bandwidth speeds are required for all remote positions. Work Environment/Physical Demands/ Essential Job Functions: Will have to spend long hours sitting and using office equipment and computers, which can cause muscle and eye strain. Some travel is required. ***AnnieMac Home Mortgage participates in E-Verify. *** ***AnnieMac Home Mortgage is an Equal Opportunity Employer ***

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.

We're in this for the greater good at ParetoHealth. Our mission is collective greatness, nothing less will do. Our team is a single force united in the drive to transform employee health benefits. The company was founded in 2011 to help small and medium-sized businesses fight the rising cost of employee health benefits. We blazed the trail with financing innovations that reduce the risks in self-insurance and deliver significant savings-and we continue to lead with a growing ecosystem of partners and world-class cost control solutions. But success is measured by more than dollars alone and we measure ours by the good that comes from knowing that every client and all their employees can count on effective, affordable healthcare for years to come. Please note that ParetoHealth does not provide employment visa sponsorship for this position. Candidates must be authorized to work in the United States without sponsorship both now or in the future. Position Summary Pareto Health is seeking an experienced and detail-oriented Renewal Underwriter to join our team. This role is pivotal in assessing and managing the risks associated with self-funded health plans, using stoploss insurance. The ideal candidate will bring expertise in analyzing complex health risks and crafting stoploss strategies that align with our commitment to providing innovative and cost-effective healthcare solutions to our clients. Key Responsibilities: Conduct thorough risk assessments of current Pareto Self-funded health plans and determine appropriate stoploss coverage levels and premiums. Analyze healthcare data, including claims and utilization patterns, to forecast potential risks, cost implications, and appropriate support Perform medical underwriting review of individual large claimants based upon self-funded reporting both with and without supporting nurse review resources Effectively execute in an environment of incomplete information Understand competitive market dynamics and react appropriately Partner with account management to ensure appropriate pricing rationale is understood and messaged externally, while considering consultant / customer dynamics Enhance your own skills around knowledge of medical treatments and projected costs in partnership with the clinical risk team Ensure adherence to industry standards and legal requirements in all underwriting decisions and practices. Qualifications: Bachelor's degree in finance, economics, actuarial science, or a related field; relevant professional certifications are a plus. Proficiency with data analysis tools, and Microsoft Office Suite. Exceptional ability to analyze data, identify trends, and solve underwriting challenges. Excellent communication and negotiation skills, with the ability to articulate technical concepts to a non-technical audience. Strong collaborator, capable of working effectively in a dynamic and collaborative environment. Strong understanding of stoploss products/self-funding, healthcare industry trends, and regulatory landscape Perks & Benefits: Fully paid medical, dental, and vision benefits. Flexible PTO 401k company contribution Tuition reimbursement Professional development allowance Transportation allowance and daily parking reimbursement Engaging hybrid work environment We are guided by our values: Fire in the belly The drive to learn, to improve, and to deliver outstanding value every day. See the field The ability to see the big picture and prepare to meet tomorrow's needs. Get it done right The passion to produce at higher rates and to the highest standards. For the greater good A united community creating better health benefit solutions for all. Please note that any communication from our recruiters and hiring managers at ParetoHealth about a job opportunity will only be made by a ParetoHealth employee with ******************** address. ParetoHealth does not conduct text message or chat-based interviews. Any other email addresses, agencies, or forums may be phishing scams designed to obtain your personal information. We will not ask you to provide personal or financial information, including, but not limited to, your social security number, online account passwords, credit card numbers, passport information, and other related banking information until we begin onboarding activities, which will be coordinated by a member of the ParetoHealth People Ops Team with ******************** email address. Disclosures: ParetoHealth is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion (creed), gender, gender expression, age, national origin (ancestry), disability, marital status, sexual orientation, or military status, in any of its activities or operations. These activities include, but are not limited to, hiring and firing of staff, selection of volunteers and vendors, and provision of services. We are committed to providing an inclusive and welcoming environment for all members of our staff, clients, volunteers, subcontractors, vendors, and clients. California Applicants: See Pareto's CCPA Notice of Collection for California Employees and Applicants for information about how Pareto Captive Services, LLC, Pareto Health, LLC, and Pareto Underwriting Partners, LLC, together with their respective subsidiaries (collectively, “Pareto”) collects and uses personal information submitted by employment applicants.

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.

Job DescriptionWe know people don't leave companies. They leave cultures - which is why we work so hard on ours. At Amwins, our people are high-achieving, top performers who believe in collaboration, not cutthroat competition. Our teams work together to help each other succeed, and we do right by our clients so they can do right by theirs.We've built a workplace where talent is valued and success is celebrated. In this team-driven environment, Amwins creates the perfect place for you to grow your career with built-in support and opportunity to advance your knowledge base. We, like you, recognize that your team plays an integral part of the success of your book. You will have the opportunity to curate and mentor an outstanding group. Amwins is the industry leader because we hold ourselves accountable to deliver results - for our employees, our clients, our markets and our shareholders. Amwins is seeking qualified candidates for a Production Underwriter position for our nationwide E&S Binding Authority Commercial and Personal Lines Insurance division, Amwins Access.Each Underwriter is a vital member of our teams, providing: Successfully create and manage a profitable book of new and renewal business Prospect for new business by developing relationships with retail agents through both traditional and creative marketing strategies Remain up to date with new insurance companies' offers and how to leverage them Prospect for new business markets and/or lines to write with sales techniques based in trust and relationship building Mentor and train new team members We are looking for people with: 2-3 years of E&S binding authority experience Bachelor's degree not required but preferred Knowledge of the sales process and pipeline management Ability to travel Licensed preferred Snapshot of what Amwins provides to our team members: Compensation includes a competitive base plus an industry-leading bonus plan Broad benefits package available, with eligibility starting the first day of employment Most benefits available first day of employment Medical, Dental, Vision, Life, etc Parental Leave, Adoption Assistance, Travel Reimbursement for healthcare, Retail Discount Program, Scholarships for dependents of Amwins employees, etc Generous Paid Time Off and Company Holiday Schedule Collaborative, continuing education focused work environment Career advancement opportunities No direct inquiries, please

If you're looking for the stability of a profitable, growing company with the entrepreneurial spirit of a startup, we're hiring. SageSure, a leader in catastrophe-exposed property insurance, is seeking an Underwriter. We are seeking a detail-oriented and analytical Homeowners Underwriter to evaluate risks, assess policy applications, and make sound underwriting decisions for homeowners insurance. The successful candidate will ensure that policies are issued within company guidelines while maintaining profitability and compliance standards. What you'd be doing: Review and analyze new and renewal applications for homeowners insurance coverage. Evaluate risk characteristics of individuals and properties using internal guidelines, inspection reports, and external data sources (e.g., CLUE, ISO, property inspections). Determine appropriate coverage limits, premium levels, and policy terms based on risk assessment. Approve, modify, or decline insurance applications in accordance with company underwriting guidelines and state regulations. Collaborate with agents and brokers to obtain necessary information, explain underwriting decisions, and develop strong working relationships. Maintain accurate documentation of underwriting decisions and correspondence in the policy management system. Stay current on industry trends, regulatory changes, and competitor practices to ensure underwriting practices remain competitive and compliant. Participate in training and development activities to continually improve underwriting knowledge and skills. We're looking for someone who has: Bachelor's degree in business, finance, insurance, or a related field (preferred). 2-5 years of personal lines insurance underwriting experience, preferably in homeowners insurance. Highly preferred candidates also have: Industry certifications (e.g., CPCU, AINS, AU) are a plus. Strong analytical and decision-making abilities. Excellent communication and interpersonal skills. Attention to detail with a focus on accuracy and risk assessment. Ability to manage workload effectively and meet deadlines in a fast-paced environment. Proficient in Microsoft Office and underwriting tools. About SageSure: Named among the Best Places to Work in Insurance by Business Insurance for four years in a row (2020-2023), SageSure is one of the largest managing general underwriters (MGU) focused on catastrophe-exposed markets in the US. Since its founding in 2009, SageSure has experienced exceptional growth while generating underwriting profits for carrier partners through hurricanes, wildfires, and hail. Available in 16 states, SageSure offers more than 50 competitively priced home, flood, earthquake, and commercial products on behalf of its highly rated carrier partners. Today, SageSure manages more than $1.9 billion of inforce premium and helps protect 640,000 policyholders. SageSure has more than 1000 employees working remotely or in-office across nine offices: Cheshire, Connecticut; Chicago, Illinois; Cincinnati, Ohio; Houston, Texas; Jersey City, New Jersey; Mountain View, California; Marlton, New Jersey; Tallahassee, Florida; and Seattle, Washington. SageSure offers generous health benefits and perks, including tuition reimbursement, wellness allowance, paid volunteer time off, a matching 401K plan, and more. SageSure is a proud Equal Opportunity Employer committed to building a workforce that reflects the spectrum of perspectives, experiences, and abilities of the world we live in. We recognize that our differences make us strong, and we actively seek out diverse candidates through partnerships with organizations, institutions and communities that represent various backgrounds. We champion belonging and inclusion for all identities, including, but not limited to, race, ethnicity, religion, sexual orientation, age, veteran status, ability status, gender, and country of origin, striving to create a culture where all individuals feel valued, respected, and empowered to bring their authentic selves to work. Our nimble, highly responsive culture nurtures critical thinkers who run toward problems and engineer solutions. We relentlessly pursue better outcomes by investing in the technology, talent, and tools that position us to succeed in demanding markets. Come join our team! Visit sagesure.com/careers to find a position for you.

At Coface, we make trade happen everyday. Our 5,200 experts representing 80+ nationalities in 58 countries are united by a shared purpose: helping companies navigate through uncertainty by empowering them to make the right decisions and trade smarter in a complex world. With nearly 80 years of global experience, we offer companies a full range of solutions: Trade Credit Insurance, Business Information, Debt Collection, Single Risk insurance, Surety Bonds, Factoring - all driven by a unique data patrimony, cutting-edge technology, innovation and a deep understanding of the global economy. Joining Coface means being part of a close-knit international organization, where your ideas matter. We foster a culture of learning, collaboration and inclusion where you are given responsibilities and can see the impact of your actions. Shape the future of trade with us. Join our Happeners! Job Description THE ROLE We are looking for a Risk Underwriter to join our team. As a member of the US Risk Underwriting team you will be expected to perform the following: Realize counterpart's financial analysis based on information provided by our infoline and on your sectorial and macroeconomic knowledge. Approve credit limits with your individual delegation taking into account policies characteristics. Closely and proactively monitor the portfolio in order to mitigate losses. Inform and explain credit decisions to policyholders. Support the Commercial Team to retain existing business and develop new client relationship. Liaison/coordination with Coface entities in other countries. Perform industry reviews. In addition, open to hiring someone in a Senior Risk Underwriter role if qualified. This would be someone with a higher technical background and years of service. The individual in this position is expected to develop relationships with credit managers and Brokers and to liaise with Commercial, Information, Organization and Claims employees as needed to achieve regional and group objectives. You may represent the company in different occasions: visit clients, prospects, brokers, participate to industry events, conferences. Qualifications THE CANDIDATE You have strong relationship and communication skills in addition to a good team spirit. To be considered you must possess the following: Bachelor's degree in Business Administration or any other discipline with financial, economical, insurance focus. Four-year College degree in Finance and MBA is preferred. Minimum 5 years in a financial analysis role. Working knowledge of credit insurance industry is a plus. Ability to gather and analyze information from various external/internal sources: financial statements, sector and country economic reports, other departments' data, etc. Ability to work a hybrid work schedule to one of our three offices in Princeton, NJ, Hunt Valley, MD or New York, NY. Our Flexplace schedule is 2 days onsite, 3 days remote.

At Coface, we make trade happen everyday. Our 5,200 experts representing 80+ nationalities in 58 countries are united by a shared purpose: helping companies navigate through uncertainty by empowering them to make the right decisions and trade smarter in a complex world. With nearly 80 years of global experience, we offer companies a full range of solutions: Trade Credit Insurance, Business Information, Debt Collection, Single Risk insurance, Surety Bonds, Factoring - all driven by a unique data patrimony, cutting-edge technology, innovation and a deep understanding of the global economy. Joining Coface means being part of a close-knit international organization, where your ideas matter. We foster a culture of learning, collaboration and inclusion where you are given responsibilities and can see the impact of your actions. Shape the future of trade with us. Join our Happeners! Job Description THE ROLE We are looking for a Risk Underwriter to join our team. As a member of the US Risk Underwriting team you will be expected to perform the following: Realize counterpart's financial analysis based on information provided by our infoline and on your sectorial and macroeconomic knowledge. Approve credit limits with your individual delegation taking into account policies characteristics. Closely and proactively monitor the portfolio in order to mitigate losses. Inform and explain credit decisions to policyholders. Support the Commercial Team to retain existing business and develop new client relationship. Liaison/coordination with Coface entities in other countries. Perform industry reviews. In addition, open to hiring someone in a Senior Risk Underwriter role if qualified. This would be someone with a higher technical background and years of service. The individual in this position is expected to develop relationships with credit managers and Brokers and to liaise with Commercial, Information, Organization and Claims employees as needed to achieve regional and group objectives. You may represent the company in different occasions: visit clients, prospects, brokers, participate to industry events, conferences. Qualifications THE CANDIDATE You have strong relationship and communication skills in addition to a good team spirit. To be considered you must possess the following: Bachelor's degree in Business Administration or any other discipline with financial, economical, insurance focus. Four-year College degree in Finance and MBA is preferred. Minimum 5 years in a financial analysis role. Working knowledge of credit insurance industry is a plus. Ability to gather and analyze information from various external/internal sources: financial statements, sector and country economic reports, other departments' data, etc. Ability to work a hybrid work schedule to one of our three offices in Princeton, NJ, Hunt Valley, MD or New York, NY. Our Flexplace schedule is 2 days onsite, 3 days remote.

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

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

Hours: 40 Pay Details: $34.75 - $52.00 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: Personal & Commercial Banking Job Description: Depth & Scope: May possess loan decision authority up to position authority limits as defined in credit policy May possess exception and high-risk authority Acts as a mentor and participates in the on-going development of the Underwriting Staff Conducts credit investigations and analyzes financial information pertaining to relationships with Commercial Credit exposure up to highest authority limits Underwrites loans and performs historical business financial analysis and cash flows, including communicating with the borrower's accountant (as needed) to gain a better understanding of the company's accounting practices May perform in-depth analysis of a guarantor's financial position through a thorough investigation of personal financial statements, understanding any contingent liabilities, constructing a global cash flow analysis, thorough investigation of personal tax returns and credit reporting documentation/ loan scoring output data May investigate available sources of credit and financial information Research economic and market conditions relating to the company, industry and market area Notes any deviations from the loan policy, procedures and guidelines and identification / mitigation of key credit risks, and decision of appropriate structures in order to reduce credit risk Identifies credit applications that require credit enhancements and decision respective applications accordingly May render final credit decision within individual lending authority limits, based upon the strengths and risks, collateral analysis, historical financials, business and personal cash flow & balance sheet analysis, ratio & trend analysis, review of credit bureau and business bureau reports / loan scoring output data, management profiles, business/product cycles, industry information, projected operating performance, application data and the ability to repay the proposed debt When applicable, considers and discusses alternative structures and overall assessments with market, sales personnel and Customers Sets conditions of lending and involvement with shared services functions as needed to expediate loan closings. Meets turnaround requirements of a high-volume loan production environment, while maintaining strong quality of work produced Maintains a satisfactory level of portfolio delinquencies and charge-offs Ensures departmental compliance with TD Bank Credit Policy, Federal Banking Regulation and Government Reporting requirements Education & Experience: Undergraduate degree preferred 4+ years of relevant commercial lending experience Prior lending authority preferred Proven analytical and research skills Strong understanding of credit underwriting and industry practices Previous experience with business and personal financial statement analysis Demonstrated problem solving skills and the ability to blend technical knowledge and good business judgment Strong communication skills, both verbal and written Proven organizational, multi-tasking, analytical, time management and decision-making skills, Ability to meet deadlines Strong interpersonal skills and a team orientation Ability to work with various levels of business partners Developed PC skills including proficiency and capability in word processing and spreadsheet software Computer literacy with a variety of software programs Small Business Administration/Agency experience preferred Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% Domestic Travel - Occasional International Travel - Never Performing sedentary work - Continuous Performing multiple tasks - Continuous Operating standard office equipment - Continuous Responding quickly to sounds - Occasional Sitting - Continuous Standing - Occasional Walking - Occasional Moving safely in confined spaces - Occasional Lifting/Carrying (under 25 lbs.) - Occasional Lifting/Carrying (over 25 lbs.) - Never Squatting - Occasional Bending - Occasional Kneeling - Never Crawling - Never Climbing - Never Reaching overhead - Never Reaching forward - Occasional Pushing - Never Pulling - Never Twisting - Never Concentrating for long periods of time - Continuous Applying common sense to deal with problems involving standardized situations - Continuous Reading, writing and comprehending instructions - Continuous Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

We're collaborating with an established merchant cash advance (MCA) provider to add an Underwriter to their growing team. This role focuses on evaluating small business funding applications, assessing repayment risks, and supporting fast-paced deal approvals. It's an ideal entry point for those new to MCA or seeking stability between roles, with hands-on training on the firm's credit guidelines-no need for prior A/B paper expertise. Why This Role Matters: In the high-stakes world of revenue-based financing, underwriters are key to safeguarding capital while enabling business growth. Your decisions will help deploy funding responsibly, minimize defaults, and contribute to a portfolio that's already exceeded $350M in advances, ensuring the company thrives in a competitive market. Background Strong fits could come from: •1-3+ years in underwriting or risk analysis from MCA, small business lending, or related fields like banking/consumer finance (open to non-MCA backgrounds) •Experience reviewing business financials, bank statements, and repayment capacity •Steady professionals looking to enter or re-enter the industry, perhaps between opportunities What You'll Do •Analyze MCA applications, including revenue trends, credit reports, and business viability •Conduct merchant reviews to gauge funding fit and risk levels •Collaborate with a team of 10+ underwriters on daily/weekly deal flows •Apply the firm's credit box with provided training to structure sustainable advances •Support portfolio monitoring and risk mitigation in a hybrid office/remote environment Skills and Competencies Required: •Analytical mindset for evaluating financial health and default potential •Comfort with fast decisions in a volume-driven setting •Integrity and attention to detail in a regulated industry •Onsite availability in Lakehurst, NJ (with some flexibility for remote after onboarding) Desired: •Familiarity with MCA tools like bank statement analysis software •Ability to thrive in a collaborative team of in-office and remote underwriters What's In It for You •Base salary $50K-$80K, based on experience (W2 or 1099 options) •Annual raises for performance and tenure •Training and mentorship to build MCA expertise quickly •Join a stable team in a firm with nationwide reach, offering job security for those transitioning •Medical benefits and relocation support available for NJ-based candidates Contact us to learn more about this confidential opportunity and advance your career in revenue-based financing.

As an In-Office Non-QM Underwriter, you will be responsible for evaluating and underwriting complex non-qualified mortgage (Non-QM) loan applications. This position requires expertise in various non-QM loan products, including but not limited to Bank Statement, DSCR (Debt Service Coverage Ratio), and Asset Depletion loans. Your role will ensure compliance with all underwriting guidelines and regulatory requirements while maintaining a high level of service and accuracy. Key Responsibilities: Review and analyze loan files, including income documentation, credit reports, and asset verification for Bank Statement, DSCR, and Asset Depletion loans. Underwrite and approve or deny loan applications based on the company's guidelines, policies, and regulatory requirements. Communicate with loan officers, processors, and other stakeholders to obtain necessary documentation and resolve any issues. Ensure loan files are complete, accurate, and compliant before final approval or denial. Stay current with industry regulations, guidelines, and best practices regarding Non-QM loan products. Provide guidance and support to junior underwriters and other team members as needed. Maintain a high level of productivity and quality assurance while meeting deadlines. Requirements: Minimum of 3+ years of experience in underwriting Non-QM loans. Strong knowledge and experience with Bank Statement, DSCR, and Asset Depletion products. Deep understanding of underwriting guidelines, regulations, and compliance standards related to Non-QM loans. Proven ability to handle a high volume of loan files while maintaining accuracy and attention to detail. Excellent communication skills, both written and verbal. Ability to work independently and as part of a collaborative team. Strong organizational and problem-solving skills. Salary: 90-110kThank you for your interest! If your background aligns with our clients needs, one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters. Unfortunately due to high volumes of applicants, we may not be able to respond to those who are not a fit. If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.

Contribute to the achievement of the Excess Casualty segment business plan. The Underwriter is responsible for production, underwriting and maintenance of new and renewal umbrella and excess casualty accounts within a defined territory. In addition, the Underwriter is responsible for establishing and cultivating business relationships with brokers and clients within the Mid-Atlantic and Southeast region to assure the continued flow of new business opportunities while representing the Excess Casualty segment. The Underwriter's primary responsibility is to underwrite individual risks through a demonstration of the following skills and abilities: Fundamentals of coverage, terms and conditions. Ability to offer coverage, terms and conditions which generate a profit for the Company while meeting the needs of the customer. Risk Assessment. Ability to identify risk exposures, special or common hazards, and appropriate controls. Ability to select risk based on exposure and risk analysis. Ability to analyze claims and quantify losses. Financial proficiency. Understanding of financial statements and ratios used in risk analysis. Understanding of insurance financial fundamentals; impact of underwriting decisions on company assets. Ability to understand credit risk. Actuarial fundamentals. Ability to understand loss trends, loss triangles, and ratemaking. Ability to quantify risk based on experience history and forecasting methods. Marketing and Communications. Ability to sell and negotiate to achieve bottom line profitability for the Company. Ability to make presentations and communicate articulately. Ability to base communications on strategic thinking. Ability to manage producer strategy. Systems and programs. Ability to use systems and software programs needed to conduct daily business. Ability to adhere to Chubb standards on pricing and servicing. Solicit new and renewal submissions from brokers Determine terms and conditions Document the underwriting files Handle more complex files and portfolios within underwriting authority Attend broker/client meeting Duties may include but are not limited to: Solicit new and renewal submissions from brokers Determine terms and conditions Document the underwriting files Handle more complex files and portfolios within underwriting authority Attend broker/client meeting Knowledge of insurance industry, underwriting concepts, practices, and procedures Microsoft Word, Excel, and Outlook Internet usage Oral and written communication skills Negotiation and marketing skills Ability to thrive in a fast-paced, deadline-driven environment Ability to self-manage, organize, and prioritize work with limited direction

Hours: 40 Pay Details: $34.75 - $52.00 USD TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role. Line of Business: Credit Management Job Description: The Loan Underwriter III underwrites and evaluates conventional, FHA, VA, and CRA Residential Mortgage applications in compliance with bank policies and procedures. This job also underwrites and evaluates Home Equity and Consumer Loans. Depth & Scope: * Underwrites ethical and salable residential mortgage and consumer loans and evaluates risk while ensuring the quality of each loan submitted * Approves loans, issues alternative options, or adverse action accordingly using sound judgment while applying bank policies and procedures * Validates the data entry to the appropriate Loan Operating System and evaluates all applicable documentation as required by job function * Evaluates all documents and conditions loan accordingly * Identifies loans for exceptions while ensuring proper procedures are followed for approval and documentation; clears or resolves any issues * Escalates integrity issues as appropriate and ensures files are compliant to internal guidelines and external regulatory requirements * Maintains knowledge of loan product guidelines, internal policies and procedures, and regulatory requirements * Coaches and mentors assigned operations staff; assists with training and guidance as assigned * Monitors vendor performance if required, submits monthly reports to management Education & Experience: * 2 year degree or equivalent experience preferred * 3-5 years loan underwriting experience or 5-7 years of loan processing experience * 3-5 Years Residential Loan Underwriting Experience * Supports the High Net Worth/Wealth Mgmt customers, with residential/consumer lending limits in the $1-2MM aggregate range as approved by Credit Risk Management * Outstanding knowledge of loan underwriting documentation requirements * Mortgage Operations - complete knowledge of FNMA DU automated underwriting system; must also be familiar with underwriting jumbo loans and government products such as FHA and VA loans * Ability to effectively communicate with all types of personalities and the ability to provide excellent customer service to both internal and external customers * Superior oral and written communication skills * Excellent PC skills * In-depth knowledge of regulatory, investor and departmental lending policies for underwriting of conventional loan requests * In-depth knowledge of CRA products and industry * Detail oriented, possessing excellent organizational, analytical and decision making skills * Ability to communicate with multiple business partners in the organization * Ability to handle heavy workload, multitask and meet stringent deadlines * Experience with complex files preferred * Home equity experience preferred Physical Requirements: Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100% * Domestic Travel - Occasional * International Travel - Never * Performing sedentary work - Continuous * Performing multiple tasks - Continuous * Operating standard office equipment - Continuous * Responding quickly to sounds - Occasional * Sitting - Continuous * Standing - Frequent * Walking - Frequent * Moving safely in confined spaces - Occasional * Lifting/Carrying (under 25 lbs.) - Occasional * Lifting/Carrying (over 25 lbs.) - Never * Squatting - Never * Bending - Never * Kneeling - Never * Crawling - Never * Climbing - Never * Reaching overhead - Never * Reaching forward - Never * Pushing - Never * Pulling - Never * Twisting - Never * Concentrating for long periods of time - Continuous * Applying common sense to deal with problems involving standardized situations - Continuous * Reading, writing and comprehending instructions - Continuous * Adding, subtracting, multiplying and dividing - Continuous The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes. Who We Are: TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues. TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you. Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more Additional Information: We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home. Colleague Development If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals. Training & Onboarding We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role. Interview Process We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at ***************. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process.

Job Description We're in this for the greater good at ParetoHealth. Our mission is collective greatness, nothing less will do. Our team is a single force united in the drive to transform employee health benefits. The company was founded in 2011 to help small and medium-sized businesses fight the rising cost of employee health benefits. We blazed the trail with financing innovations that reduce the risks in self-insurance and deliver significant savings-and we continue to lead with a growing ecosystem of partners and world-class cost control solutions. But success is measured by more than dollars alone and we measure ours by the good that comes from knowing that every client and all their employees can count on effective, affordable healthcare for years to come. Please note that ParetoHealth does not provide employment visa sponsorship for this position. Candidates must be authorized to work in the United States without sponsorship both now or in the future. Position Summary Pareto Health is seeking an experienced and detail-oriented Renewal Underwriter to join our team. This role is pivotal in assessing and managing the risks associated with self-funded health plans, using stoploss insurance. The ideal candidate will bring expertise in analyzing complex health risks and crafting stoploss strategies that align with our commitment to providing innovative and cost-effective healthcare solutions to our clients. Key Responsibilities: Conduct thorough risk assessments of current Pareto Self-funded health plans and determine appropriate stoploss coverage levels and premiums. Analyze healthcare data, including claims and utilization patterns, to forecast potential risks, cost implications, and appropriate support Perform medical underwriting review of individual large claimants based upon self-funded reporting both with and without supporting nurse review resources Effectively execute in an environment of incomplete information Understand competitive market dynamics and react appropriately Partner with account management to ensure appropriate pricing rationale is understood and messaged externally, while considering consultant / customer dynamics Enhance your own skills around knowledge of medical treatments and projected costs in partnership with the clinical risk team Ensure adherence to industry standards and legal requirements in all underwriting decisions and practices. Qualifications: Bachelor's degree in finance, economics, actuarial science, or a related field; relevant professional certifications are a plus. Proficiency with data analysis tools, and Microsoft Office Suite. Exceptional ability to analyze data, identify trends, and solve underwriting challenges. Excellent communication and negotiation skills, with the ability to articulate technical concepts to a non-technical audience. Strong collaborator, capable of working effectively in a dynamic and collaborative environment. Strong understanding of stoploss products/self-funding, healthcare industry trends, and regulatory landscape Perks & Benefits: Fully paid medical, dental, and vision benefits. Flexible PTO 401k company contribution Tuition reimbursement Professional development allowance Transportation allowance and daily parking reimbursement Engaging hybrid work environment We are guided by our values: Fire in the belly The drive to learn, to improve, and to deliver outstanding value every day. See the field The ability to see the big picture and prepare to meet tomorrow's needs. Get it done right The passion to produce at higher rates and to the highest standards. For the greater good A united community creating better health benefit solutions for all. Please note that any communication from our recruiters and hiring managers at ParetoHealth about a job opportunity will only be made by a ParetoHealth employee with ******************** address. ParetoHealth does not conduct text message or chat-based interviews. Any other email addresses, agencies, or forums may be phishing scams designed to obtain your personal information. We will not ask you to provide personal or financial information, including, but not limited to, your social security number, online account passwords, credit card numbers, passport information, and other related banking information until we begin onboarding activities, which will be coordinated by a member of the ParetoHealth People Ops Team with ******************** email address.Disclosures:ParetoHealth is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion (creed), gender, gender expression, age, national origin (ancestry), disability, marital status, sexual orientation, or military status, in any of its activities or operations. These activities include, but are not limited to, hiring and firing of staff, selection of volunteers and vendors, and provision of services. We are committed to providing an inclusive and welcoming environment for all members of our staff, clients, volunteers, subcontractors, vendors, and clients.California Applicants: See Pareto's CCPA Notice of Collection for California Employees and Applicants for information about how Pareto Captive Services, LLC, Pareto Health, LLC, and Pareto Underwriting Partners, LLC, together with their respective subsidiaries (collectively, "Pareto") collects and uses personal information submitted by employment applicants.