Underwriter jobs in Hawaii

Information "Regulating with Precision. Auditing with Integrity. Make a Difference - Join the Honolulu Liquor Commission!" Are you detail-oriented and ready to play a key role in keeping Hawaii's liquor industry transparent and fair? The Honolulu Liquor Commission is seeking a dedicated Liquor Control Auditor Ito join our team in Honolulu. In this role you will conduct independent audits and examinations of gross liquor sales of all classes and kinds of liquor licensees in accordance with the audit procedures and rules and regulations prescribed by the Liquor Commission and Liquor Laws of Hawaii. What You'll Do * Review liquor sales reports to decide when a deep-dive audit is needed. * Audit licensees' bookkeeping and accounting to ensure accurate sales reporting. * Cross-check daily sales, inventory, purchase invoices, and more to verify records. * Collaborate on investigations related to license fees and compliance. * Craft clear, detailed reports on your findings to keep the Commission informed. * Perform other related duties as assigned. Ready to make an impact? Apply today and be part of something bigger!If you qualify for the position, your name will be eligible for referral to the hiring department for further consideration for the current job opening, as well as future job openings with this job title. Additional Job Information Applications must be submitted online at************************************************* be accepted. Some notifications will be sent via e-mail. You are responsible for monitoring instructions and correspondence from this office by checking your email account in a timely manner. To ensure proper delivery, please make sure you: * use a valid e-mail account; * verify your e-mail address is entered correctly on your GovernmentJobs account; * are subscribed to email notices; * check your spam folders; and * add *********************** and *********************** to your contact list. Notifications may also be sent via text message if opted into the service. Data and text messaging fees apply. Minimum Qualification Requirements At time of application, you must be a citizen, national or permanent resident alien of the United States or a non-citizen eligible under federal law for unrestricted employment. EDUCATION REQUIREMENT: Equivalent to graduation from an accredited four-year college or university with major work in accounting, economics, public administration, or business administration. Substitution: A bachelor's degree in another major may be creditable towards the education requirement provided it included completion of at least 12 semester credits in accounting or auditing courses, six of which are upper-level (300 and up) courses. The education requirement must be met at the time of application. Education obtained outside of the United States must be comparable to a degree earned at an accredited college/university in the United States. In order to receive credit for the education, proper documentation, e.g., a foreign credential evaluation (FCE), must be provided. We also reserve the right to request further information about your academic program, evidence of comparability, or an original transcript. Verification Requirement: In order to be given credit for your education, clearly list your education credentials on your application. As part of the hiring process, you may be asked to furnish documentation to verify your education to satisfy this education qualification requirement. If available, please attach an electronic copy of your diploma and/or official transcript which shows the embossed seal or applicable FCE to your application.Or mail a photocopy of your documents to the following address: Department of Human Resources, 650 South King Street, 10th Floor, Honolulu, HI 96813. Copies will not be returned. Unofficial transcripts will not be accepted. All information on your documentation must be legible and complete in order to be given credit. If you do not have your documentation to verify your education at this time, please note that if selected for the job, you will need to furnish verification documents in order to move forward in the hiring process. EXPERIENCE REQUIREMENT: Two (2) years of experience in the field of accounting and/or auditing involving use of professional accounting techniques and principles. Such experience must have demonstrated: * Knowledge of the theory and practice of commercial accounting. * Knowledge of the preparation and analysis of financial statements and transactions. * Knowledge of theories, techniques, and methods of auditing financial accounts and transactions. * Knowledge of laws, ordinances, and regulations governing financial recording. * Ability to perform accurate, detailed analysis of accounting and financial records. * Ability to interpret regulatory material; and prepare audit and other reports. Non-Qualifying Experience: Having the required number of years of experience will not in itself be accepted as qualifying for the position. Your overall experience must have been of such scope, level, and responsibility as to conclusively demonstrate the ability to perform the duties of the position.Experience in positions where the duties did not require full professional knowledge and application of generally accepted accounting principles and/or auditing standards is not considered qualifying. LICENSE REQUIREMENT: Possession of an appropriate valid driver's license (automobile/Type 3), prior to appointment. Examination Process EDUCATION AND EXPERIENCE EVALUATION: In addition to meeting the above minimum qualifications, your application will be further evaluated. Your score will be based on the quality and quantity of your education, experience and/or other related job requirements and competencies applicable to the position. Failure to provide sufficient information may result in your application being rejected or your receiving a lower score. EXAMINATION WEIGHT: Education and Experience Evaluation.....................100%

Primary Purpose of Job: Under general supervision, underwrites consumer loan applications applying regulatory and state regulations, American Savings Bank policies and procedures, Consumer Loan matrices, and the like to all applications in order to make a sound and prudent lending decision. Assists and communicates with branch personnel and/or customers on loan applications to address and resolve any underwriting issue. Major Job Accountabilities: Under general supervision, underwrites consumer loans applications and ensures compliance to all federal and state regulations and American Savings Bank policies and procedures. Ensures the accuracy of all underwriting and information in the loan file to ensure all quality control standards are maintained. Identifies cross-sell opportunities for ASB products and services and makes referral to appropriate sales representative. Responds to telephone inquiries and provides superior customer service to branch personnel and/or customers. Answers, interprets, and explains American Savings Bank lending policies and procedures to branch personnel, the general public, and others. Makes appropriate recommendations and presents alternatives to branch personnel and/or customers based on customers' needs relative to consumer lending. Maintains control of the loan file with the assistance of the Loan Processor and is responsible for the efficient processing of the application up to and including the loan closing and funding. Analyzes tax returns and financial statements and performs an evaluation in order to make a sound and prudent loan decision. For loans above lending authority, makes recommendation to the appropriate individual and/or committee as determined by loan amount and aggregate borrowings. Participates in functions and courses sponsored by lending-related organizations to further his/her knowledge of the consumer loan industry. Accountable for clarification of policies, procedures, and requirements to the Loan Processor involving the loan request. Assists Collection and Recovery with collection accounts. Experience Required: Two (2) years of consumer lending which must be directly related to underwriting and origination or comparable experience. Required Skills Or Training: Proficient knowledge of the banking industry and consumer loan products. Knowledge of federal and state regulations as they relate to consumer lending. Knowledge of fundamental principles and skills in evaluating and analyzing tax returns and financial statements as they relate to consumer lending. Knowledge of accounting principles and practices to adequately evaluate and analyze the financial condition of individuals and business entities. Ability to effectively interpret and apply policies and procedures. Ability to maintain a high degree of confidentiality of all information contained in the loan file. Ability to organize priorities and work schedule. Ability to maintain and manage assigned loan applications and meet established service level agreements regarding the timely underwriting of loan applications. Proficient in Microsoft Office (ie. Excel, Word, Outlook, etc.) Excellent written and verbal communication skills EOE, including disability/veterans At American Savings Bank, we welcome and support all individuals and celebrate the diversity of our team members, customers and community. We are committed to ensuring that our online application process is accessible and provides an equal employment opportunity to all job seekers. If you need assistance searching for a job or submitting an application, please contact us by calling ************ and a member of our Recruitment team will follow up with you. Mahalo for your interest in American Savings Bank!

Assists CRELD loan officers with structuring, underwriting, and servicing of small to large size real estate loans to ensure the loans meet the Bank's quality targets, lending policies, and underwriting guidelines. Progressively handles more complex loans at more senior underwriter levels. Supports and assists with the lending team efforts and initiatives to generating new commercial mortgage, construction, and commercial loans and proactively managing customer relationships to meet loan runoff projections and deposit targets. Performs all duties and interacts with internal and external customers in a manner that is expressly aligned with the Company's Core Values of approaching all actions with a "Voyaging Spirit" and being "Positively Ohana". Exhibits core competencies that result in consistent delivery of positive Customer Interactions, Empowerment and Ownership and demonstrates key professional and performance skills such as Active Listening, effective Oral and Written Communication, Action and Solution Oriented and Thoroughness. Primary Accountabilities: Production Activities: * Actively support the Team Leader and Loan Officer to review new loan requests from existing and prospective CRELD borrowers by providing underwriting support. * Provide support for Loan Officers efforts to generate new commercial mortgages and construction loans to meet annual production goals and objectives. Assist Loan Officers to proactively address upcoming loan requests. * Review and analyze the borrower's financial information and financial condition, order appraisal reports, order environmental reports, prepare guarantor global cash flows, and access other internal and external sources of information. * Recommend appropriate loan structures to meet the needs of both the customer and the Bank and assist in resolving any issues. * Prepare Credit Approval Memorandums with clear, concise, and timely loan request presentations reviewing the strengths, weaknesses and potential risks of the credit to document the underwriting decision and supporting rationale to ensure the loan meets the Bank's loan quality targets, lending policies, and lending guidelines. * Review tickler inputs, and coordinate with the Documentation Specialists on items needed to be sent to Documentation Center for booking. * For loan draw requests, review construction loan draws and inspection reports and review line draws for approval and any applicable collateral releases. * Actively participate in Bank-sponsored community events. * In the absence of the Loan Officer, manage the Loan Officer's responsibilities along with a Team Leader/Loan Officer in the Lending Team. Portfolio Management: * Assist the Team Leader and Loan Officer with portfolio management responsibilities to meet the Bank's objectives of maintaining a high quality commercial mortgage and construction loan portfolio and to minimize exceptions and maximize compliance. * Proactively manage customer relationships to meet commercial mortgage and construction loan runoff projections and CRELD deposit goals and objectives. * Prepare Modification Memorandums, Term Loan Reviews, Asset Quality Reports, and Compliance and Risk Rating Validations for the assigned Lending Team loan portfolio. * Proactively contact borrowers and guarantors with the Team Leader/Loan Officer for updated financial information prior to due dates to ensure timely submissions. Arrange to import the financial information into nCino and Info Access on a timely basis. * Assists Loan Officers with management of assigned loan portfolios to minimize exceptions and maximize compliance. * Verify the accuracy of tickler items in nCino and Info Access with the Credit Approval Memorandums, Modification Memorandums, Compliance and Risk Rating Validation (CRRV), and Loan Agreements. Prepare waivers and extension memorandums for tickler items prior to tickler due dates. * Review and analyze financial statements and tax returns upon receipt from the customer on a timely basis and input financial statements into the Bank's financial statement spreading program as applicable. * Assist to proactively manage and diligently monitor CRELD loan delinquencies and maturing loans in the Lending Team's loan portfolio and take appropriate actions as required. * Provide updates and timely comments for CRELD loan portfolio review reports for credit discussions with Credit Administration. * Reviews commitment letters and loan documents as necessary in the management of the portfolio. * Review and prepare Memorandums for EDR collateral screen follow-up actions as required. * Prepare covenant compliance tracking reports to track loan compliance. * Complete the Criticized Asset Check List requirements for loans downgraded to 7 or worse. * Provide updates and comments for the Portfolio Review Reports and prepare portfolio management reports as assigned. * Support the Team Leader, Loan Officer, and overall CRELD goal of maintaining 60+ days past due ticklers below 10%. * Contribute to and support CRELD achieving satisfactory annual audit ratings and FDIC examination reviews. Minimum Qualifications: Education: * High School Diploma or GED equivalency required. Experience: * 4+ years of experience in commercial real estate, commercial lending, banking, financial services or equivalent work experience required. (Bachelor's and/or relevant internships can be substituted for 2 years of required experience.) Physical Requirements & Working Conditions: * Must be able to perform light physical work and to move or lift items including but not limited to boxes, files and papers up to 20 pounds unless otherwise as indicated. * Must be able to operate and proficiently use standard office equipment, including phone, copier, personal computer and/or other work related mechanical or electronic devices and applications. * Must be able to clearly communicate verbally and in writing with all internal and external customers. Must also be able to hear sufficiently to engage in daily discussions and interactions. * Must be able to read and understand bank-related documents. * Must be able to work in a conventional office setting, involving sitting at a desk or workstation for long periods of time. Must also be able to adapt to different work environments as needed to perform the job. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

**Come join our amazing team and work Remote !** We are hiring Underwriters for our Non- Agency Products- NO DE REQUIRED! The Wholesale Underwriter will underwrite loans in accordance with Company and Investor guidelines following company's policies and procedures under general supervision. Our loan product offers extremely competitive rates and terms- the best in the industry. Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, wherein the company operates. The target pay range for this position is $90,000.00 to $120,000.00 + Monthly Incentive plan. **What you'll do:** + A thorough knowledge of **Non Agency or NON QM** mortgage loan underwriting. + Maintains highly confidential information concerning loan applicants. + Requires high level of organizational skills and ability to work on several tasks simultaneously + Performs a thorough analysis of collateral to ensure property meets investor guidelines and the appraisal quality and completeness is acceptable. + Applies and interprets company underwriting guidelines and makes sound credit decision. + Completes credit, analysis of income, analysis of property, ensures proper audits are completed and verifies consistency of loan file information. + Identifies risk factors within each loan and utilizes resources, tools and documentation to detect red flags and clear inconsistencies. + Reviews and evaluates credit information on mortgage loan documents to determine acceptability for specific loan programs. + Determines any conditions, stipulations or pre-funding requirements. + Reviews and clears underwriting conditions, stipulations or pre-funding requirements received. + Communicates with clients, sales teams and operations teams to resolve outstanding issues as they arise **What you'll need:** + 5+ years mortgage underwriting work experience. + Experience Underwriting Non Agency or Non QM Loans + Paperless Loan Origination System experience preferred. + DU and LP experience required. + Experience working in a paperless environment preferred. **Our Company:** Carrington Mortgage Services-Wholesale Lending is part of The Carrington Companies. We provide third-party originators, mortgage brokers and financial institutions with access to government and conventional loan programs, as well as low credit score home financing and low down payment options. We hope you'll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: *************************** . **What is the value proposition to joining the team?** + Increased earning capacity due to access to our 48 state territory. + Ability to market faster and more efficiently inside the operation. + Superior service levels offered to the broker as you're inside presence ensures every step of the loan process is handled in the most efficient manner possible. + Professional account manager's partner with you and your brokers to add value every step of the way. + Base pay plus an industry leading commission plan. + Take over existing accounts. **What We Offer:** + Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed. + Access to several fitness, restaurant, retail (and more!) discounts through our employee portal. + Customized training programs to help you advance your career. + Employee referral bonuses so you'll get paid to help Carrington and Vylla grow. + Educational Reimbursement. + Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org. Carrington is an equal opportunity employer. It is the policy of the company that applicants be considered for positions for which they qualify without regard to race, color, religion, sex, gender identity, national origin, ancestry, age, marital status, sexual orientation, protected veterans status, physical or mental disability or any other legally protected category. Carrington will make reasonable accommodations for known physical or mental limitations of a qualified applicant or employee with a disability unless the accommodation will impose an undue hardship on the company.

Primary Purpose of Job: Under general supervision, underwrites consumer loan applications applying regulatory and state regulations, American Savings Bank policies and procedures, Consumer Loan matrices, and the like to all applications in order to make a sound and prudent lending decision. Assists and communicates with branch personnel and/or customers on loan applications to address and resolve any underwriting issue. Major Job Accountabilities: Under general supervision, underwrites consumer loans applications and ensures compliance to all federal and state regulations and American Savings Bank policies and procedures. Ensures the accuracy of all underwriting and information in the loan file to ensure all quality control standards are maintained. Identifies cross-sell opportunities for ASB products and services and makes referral to appropriate sales representative. Responds to telephone inquiries and provides superior customer service to branch personnel and/or customers. Answers, interprets, and explains American Savings Bank lending policies and procedures to branch personnel, the general public, and others. Makes appropriate recommendations and presents alternatives to branch personnel and/or customers based on customers' needs relative to consumer lending. Maintains control of the loan file with the assistance of the Loan Processor and is responsible for the efficient processing of the application up to and including the loan closing and funding. Analyzes tax returns and financial statements and performs an evaluation in order to make a sound and prudent loan decision. For loans above lending authority, makes recommendation to the appropriate individual and/or committee as determined by loan amount and aggregate borrowings. Participates in functions and courses sponsored by lending-related organizations to further his/her knowledge of the consumer loan industry. Accountable for clarification of policies, procedures, and requirements to the Loan Processor involving the loan request. Assists Collection and Recovery with collection accounts. Experience Required: Two (2) years of consumer lending which must be directly related to underwriting and origination or comparable experience. Required Skills Or Training: Proficient knowledge of the banking industry and consumer loan products. Knowledge of federal and state regulations as they relate to consumer lending. Knowledge of fundamental principles and skills in evaluating and analyzing tax returns and financial statements as they relate to consumer lending. Knowledge of accounting principles and practices to adequately evaluate and analyze the financial condition of individuals and business entities. Ability to effectively interpret and apply policies and procedures. Ability to maintain a high degree of confidentiality of all information contained in the loan file. Ability to organize priorities and work schedule. Ability to maintain and manage assigned loan applications and meet established service level agreements regarding the timely underwriting of loan applications. Proficient in Microsoft Office (ie. Excel, Word, Outlook, etc.) Excellent written and verbal communication skills EOE, including disability/veterans At American Savings Bank, we welcome and support all individuals and celebrate the diversity of our team members, customers and community. We are committed to ensuring that our online application process is accessible and provides an equal employment opportunity to all job seekers. If you need assistance searching for a job or submitting an application, please contact us by calling ************ and a member of our Recruitment team will follow up with you. Mahalo for your interest in American Savings Bank!

When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide: + Award-winning culture + Inclusion and diversity as a priority + Performance Based Incentive Plans + Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability + Generous PTO (including paid time to volunteer!) + Up to 9.5% 401(k) employer contribution + Mental health support + Career advancement opportunities + Student loan repayment options + Tuition reimbursement + Flexible work environments **_*All the benefits listed above are subject to the terms of their individual Plans_** **.** And that's just the beginning... With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today! **General Summary:** The Senior Underwriter will demonstrate strong risk evaluation, selection and retention of profitable business within assigned authority limits. This also requires a strong ability to partner with Company sales teams, brokers and all internal partners. **Principal Duties and Responsibilities** + Consult with sales and service partners to provide the products and plan options that best meet the needs of our customers. + Evaluate and select risk to ensure the profitable acquisition of new cases and the continued profitable retention of in force cases. + Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met. Identify and analyze risk trends, making recommendations for addressing these + Maintain a fully developed knowledge of the Company's products, the sales, implementation, and enrollment processes, and market place influences + Deliver dependable, accurate, and timely service while maintaining relationships with internal and external partners + Assist with training, technical development and mentoring more junior underwriters **Job Specifications** + Bachelors degree or equivalent, relevant business experience + Demonstrated, consistent proficiency at Underwriter level + Fully developed knowledge of product provisions, plan designs, pricing and contractual benefits + Strong technical expertise in risk selection + Demonstrated understanding of top-line and bottom-line objectives + Exhibit strong knowledge of sales/distribution process and market trends + Solid mentoring and coaching skills + Strong creative problem solving skills + Strong critical thinking/analytical reasoning skills + Strong communication skills, both verbal and written + Strong organizational skills and ability to handle multiple priorities + Strong ability to be persuasive and to negotiate + Demonstrated ability to work both independently and in a team environment + Exhibit a strong commitment to quality and personal ownership of results \#LI-JQ1 ~IN1 Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide. Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status. The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience. $53,300.00-$100,700.00 Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans. Company: Unum

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.

Responsible for the complete underwriting process - risk selection, evaluation/analysis, coverage determination, pricing, and negotiation and sale of larger complex commercial risks. Is accountable for managing a profitable book of business, with a focus on new business production and growth, renewal retention, as well as fostering agency relationships through sales and marketing efforts. This role requires independent judgment, strong underwriting acumen, discretion, and contributions to strategic business decisions. Duties: Underwriting & Risk Evaluation (75%) * Independently evaluates, selects, classifies, and prices commercial property and casualty risks in accordance with company guidelines, authority levels and reinsurance treaty limitations. * Conducts in-depth research to determine the appropriate insurance program, coverage terms and limits based on risk analysis, financial data, industry/public sources and underwriting judgment. * Adequately prices, negotiates and sells/retains acceptable profitable risks. * Prepares and presents formal quote proposals, supporting policy issuance and endorsement processing, and manages workload in a timely and accurate manner. * Exercises discretion in applying underwriting standards and making decisions on complex or borderline submissions, declining submissions that present challenges in terms of profitability. Business Operations & Strategic Contribution (5%) * Analyzes book of business and recommends improvements in underwriting practices, marketing strategies, and agency development. * Maintains current knowledge of corporate, regulatory, competitor and territorial trends for all commercial lines of business. * Participates in underwriting audits, claims reviews, and producer evaluations to ensure alignment with company objectives. * Maintains, suggests improvements and updates (as assigned) underwriting manuals, guidelines, and documentation necessary for performing job functions, compliance and operational efficiency. * Collaborates with internal departments to resolve issues related to premium audits, loss ratios, and retention. Relationship Management & Professional Leadership (20%) * Serves as a liaison between the company and producers and account managers, fostering strong agency relationships through regular communication and visits. * Responds to agency inquiries and service needs in a professional and timely manner. * Proactively engages with customers to understand needs and seize upon potential business opportunities. * Mentors and trains underwriting staff and agents; serves as a subject matter expert in large account underwriting. * Communicates complex financial and underwriting information clearly to internal stakeholders, producers, and clients. * Demonstrates a professional, positive, service-oriented attitude toward agencies, insureds, and company personnel. Qualifications: * 4-year college degree required. * Minimum of 4 years commercial lines property and casualty underwriting technical experience required; previous sales experience preferred. * Continuing education in insurance and job-related issues and subjects required. * An equivalent combination of education, technical and sales background experience will be considered.

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 Description Primary Purpose of Job: Under general supervision, underwrites consumer loan applications applying regulatory and state regulations, American Savings Bank policies and procedures, Consumer Loan matrices, and the like to all applications in order to make a sound and prudent lending decision. Assists and communicates with branch personnel and/or customers on loan applications to address and resolve any underwriting issue. Major Job Accountabilities: Under general supervision, underwrites consumer loans applications and ensures compliance to all federal and state regulations and American Savings Bank policies and procedures. Ensures the accuracy of all underwriting and information in the loan file to ensure all quality control standards are maintained. Identifies cross-sell opportunities for ASB products and services and makes referral to appropriate sales representative. Responds to telephone inquiries and provides superior customer service to branch personnel and/or customers. Answers, interprets, and explains American Savings Bank lending policies and procedures to branch personnel, the general public, and others. Makes appropriate recommendations and presents alternatives to branch personnel and/or customers based on customers' needs relative to consumer lending. Maintains control of the loan file with the assistance of the Loan Processor and is responsible for the efficient processing of the application up to and including the loan closing and funding. Analyzes tax returns and financial statements and performs an evaluation in order to make a sound and prudent loan decision. For loans above lending authority, makes recommendation to the appropriate individual and/or committee as determined by loan amount and aggregate borrowings. Participates in functions and courses sponsored by lending-related organizations to further his/her knowledge of the consumer loan industry. Accountable for clarification of policies, procedures, and requirements to the Loan Processor involving the loan request. Assists Collection and Recovery with collection accounts. Experience Required: Two (2) years of consumer lending which must be directly related to underwriting and origination or comparable experience. Required Skills Or Training: Proficient knowledge of the banking industry and consumer loan products. Knowledge of federal and state regulations as they relate to consumer lending. Knowledge of fundamental principles and skills in evaluating and analyzing tax returns and financial statements as they relate to consumer lending. Knowledge of accounting principles and practices to adequately evaluate and analyze the financial condition of individuals and business entities. Ability to effectively interpret and apply policies and procedures. Ability to maintain a high degree of confidentiality of all information contained in the loan file. Ability to organize priorities and work schedule. Ability to maintain and manage assigned loan applications and meet established service level agreements regarding the timely underwriting of loan applications. Proficient in Microsoft Office (ie. Excel, Word, Outlook, etc.) Excellent written and verbal communication skills EOE, including disability/veterans At American Savings Bank, we welcome and support all individuals and celebrate the diversity of our team members, customers and community. We are committed to ensuring that our online application process is accessible and provides an equal employment opportunity to all job seekers. If you need assistance searching for a job or submitting an application, please contact us by calling ************ and a member of our Recruitment team will follow up with you. Mahalo for your interest in American Savings Bank!