Underwriter jobs in Hoover, AL

Job Description Commercial Lines AE - Birmingham, AL (Hybrid) About the Opportunity: Our client in Birmingham, AL is seeking an Account Executive! They are fast-growing insurance agency that experienced significant expansion over the past year. They're known for their strong culture, supportive environment, and commitment to doing right by both clients and employees. This team offers flexibility, a people-first atmosphere, and the chance to manage meaningful, high-value work within a collaborative structure. Salary: $95,000-$115,000 Benefits: Fully paid health insurance, (SEP) retirement option, strong culture, and workplace flexibility Location: Birmingham, AL Position Type: Full-Time The Role: We are looking for a skilled Commercial Lines AE to take ownership of a substantial construction- heacy book of business, including managing the needs of one major client account. This role is ideal for someone who is detail-oriented, proactive, and experienced in commercial lines servicing within the construction space. You'll work closely with insurance specialists, producers, and internal teams to ensure exceptional service delivery and long-term client satisfaction. The agency operates on EPIC, so familiarity with the system is a strong plus. What You'll Do: Manage a large construction-focused book of business, including one main key client Handle full soup to nuts servicing: renewals, quoting, endorsements, certificates, policy changes, and client communication Partner with internal insurance professionals for seamless service and high client satisfaction Maintain accurate documentation and ensure timely, proactive follow-up Work closely with producers and team members to address client needs and maintain strong relationships Support a fast-growing agency with a reputation for top-tier service What You Bring: Property Casualty License required 5+ years of commercial lines account management experience Strong background with construction-related accounts preferred Experience using EPIC is a plus Excellent communication, client service, and organizational skills Ability to work independently while contributing to a collaborative culture Detail-oriented mindset with a commitment to delivering exceptional service Why Join This Organization? Fully paid health insurance - BCBS SEP retirement plan Flexible environment with a healthy work-life balance Strong, supportive culture with low turnover Opportunity to manage a large, meaningful client account Growing agency with long-term stability and advancement potential Interested? All conversations and submissions are 100% confidential. To learn more or apply, contact: Hannah Lowry - ************************ #hc211195

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

At ServisFirst, Our Name is Our Mission. DUTIES AND RESPONSIBILITIES The Mortgage Underwriter is responsible for the timely and accurate underwriting of all mortgage loan files according to bank and investor guideline and compliance regulations. The incumbent will: * Underwrite mortgage loans to ensure compliance with bank and investor guidelines * Assess loan attributes and documentation for soundness and accuracy * Evaluate debt ratio, loan-to-value ratio, credit score, and appraisal to meet investor guidelines * Review and analyze appraisals to ensure loan risk is acceptable to bank and investor guidelines * Determine and document loan conditions, requirements, and decisions * Evaluate Loan Estimate (LE) for accuracy and compliance with RESPA and TRID * Utilize an Automated Underwriting System (AUS) or predetermined guidelines to underwrite loans * Stay abreast of Private Mortgage Insurance (PMI) guidelines and order PMI as necessary * Maintain knowledge of all applicable underwriting guidelines * Review legal and regulatory compliance documents for accuracy * Provide strong and clear communication to other mortgage department personnel and borrowers regarding documents needed for mortgage loan files to ensure quick turnaround time * Provide guidance to processors regarding procedures and requirements * Assist closing/post-closing personnel to ensure loan is purchased by investor * Perform administrative duties such as faxing, photocopying, filing and phone support as necessary * Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job. Note: Additional duties and responsibilities may be assigned. MINIMUM QUALIFICATIONS * High school diploma or equivalent; some college preferred * Five (5) years of mortgage lending experience * Three (3) years of mortgage underwriting experience * Previous experience using automated underwriting technology preferred * Basic knowledge of bank operations and products * Basic knowledge of federal and state banking compliance regulations, and other Bank operational policies * Knowledge of federal and state regulations regarding lending and related consumer disclosure requirements * Excellent knowledge of agency and investor guidelines * Effective oral, written and interpersonal communication skills with the ability to carry out instructions, understand procedures and write correspondence * Proficient in Microsoft Outlook, Word and Excel * Excellent customer service and time management skills * Ability to multitask, as shown in previous experience completing tasks under time constraints * Good organizational skills * Good data entry/keyboarding and math skills PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS The physical requirements and environmental conditions of this position consist primarily of: * Sustained standing and sitting * Frequent use of PC, including typing or sustained attention to monitor * Frequent typing using a keyboard and/or calculator * Occasional lifting of basic office files or equipment up to 20 lbs * Normal office environment with comfortable internal temperatures and low level noise EOE/AA

Job Title: Senior Workers' Compensation Underwriter - Trucking/Transportation We are seeking a detail-oriented Senior Workers' Compensation Underwriter specializing in the trucking and transportation industry. This role is responsible for evaluating, underwriting, and managing complex workers' compensation risks for commercial trucking operations. The ideal candidate will possess extensive industry knowledge, strong analytical skills, and the ability to assess risk effectively while ensuring profitability and compliance with company underwriting guidelines. Responsibilities: Review, evaluate, and underwrite new and renewal workers' compensation submissions for trucking and transportation clients. Analyze loss history, operations, driver exposure, safety programs, regulatory compliance, and financial condition. Determine appropriate classification codes and pricing strategies based on risk exposure and company guidelines. Collaborate with agents, brokers, and internal stakeholders to obtain necessary information and negotiate coverage terms. Provide guidance and mentorship to less seasoned underwriters and other underwriting team members. Monitor portfolio performance, identify trends, and recommend strategies to maintain profitability. Ensure underwriting decisions align with company policies, carrier guidelines, and state regulations. Maintain accurate and thorough documentation of all underwriting decisions and communications. Participate in audits, internal meetings, and cross-departmental initiatives as needed. Represent the company at industry events, conferences, and client meetings when required. Requirements: Bachelor's degree in business, finance, risk management, or related field (or equivalent experience). 4+ years of trucking/transportation risk focused workers' compensation experience and/or 2+ years as a trucking/transportation workers' compensation underwriter. In-depth knowledge of workers' compensation regulations, classification codes (NCCI), and rating methodologies. Strong understanding of trucking operations, driver safety programs, and DOT compliance. Proficient at analyzing CAB reports a plus. Proven ability to assess complex risks and make sound underwriting decisions. Proficiency in underwriting software and Microsoft Office Suite. Excellent communication, negotiation, and analytical skills. Professional designations (WCP, TRIP, ARM, CPCU) a plus. Work Environment: Monday-Friday in office (with periodic remote days) Occasional travel may be required for client visits or industry events

**M&T Realty Capital Corporation** is a wholly-owned subsidiary of M&T Bank. As a full-service mortgage banking company, we specialize in providing competitive financing nationwide for commercial real estate. Responsible for due diligence and direct underwriting specializing in Agency Screening & Analysis and/or Agency Underwriting. **Primary Responsibilities:** + Position responsibilities include some or all of the following depending on product specialty: + Analyze/Spread operating statements for multifamily or commercial loan transactions in accordance with specific investor guidelines. + Responsible for accurate loan sizing and overall risk assessment prior to/or after application utilizing specific Investor underwriting guidelines and requirements. + Interview prospective borrowers and property managers to obtain critical property, management, and borrower details for each transaction. + Work closely with loan originators to help negotiate deal terms and resolve outstanding issues. + Interact with respective Investor Representatives (Fannie Mae, Freddie Mac) regarding loan transaction terms and waivers. + Inspect property in accordance with Investor guidelines (travel required-national). + Obtain and review all third party reports associated with each transaction as required by specific investor. + Completion of underwriting narrative/committee package. + Review of commitment letter and handoff to loan closing department. + Complete other related duties as assigned. **Scope of Responsibilities:** Underwriters are required to use analytical skills to review rent roll, operating statements, financial statements, third party reports (real estate appraisals, market studies, physical needs reports and environmental reports) to make credit judgments and prepare the required application submissions to the appropriate agency. **Supervisory/ Managerial Responsibilities:** Indirect management/mentorship of junior underwriters assigned to the transaction. **Education and Experience Required:** Bachelor's Degree or equivalent work experience and 5 years agency multifamily underwriting or related experience to include completion of multifamily inspection training (or similar work experience and credit training) or in lieu of a degree a combined minimum of 9 years' higher education and/or work experience including a minimum of 5 years agency multifamily underwriting or related experience to include completion of multifamily inspection training (or similar work experience and credit training). Ability to multi-task. Proficiency Excel and Word programs. Strong analytical skills. Self-driven and highly motivated to learn. Strong narrative writing skills. Exceptional internal and external stakeholder relationship management. Ability to travel 2-3 days per month for property inspections. **Why Choose MTRCC:** + We are 1 of 5 US-based lenders offering Fannie Mae, Freddie Mac, FHA, bridge loans, life company, debt funds and other capital source relationships + Our parent company, M&T Bank, is one of the largest commercial real estate lenders in the United States. We leverage the power of our balance sheet and other financial services to provide a wide array of resources to fit our clients' needs. + Approved Fannie Mae DUS and Freddie Mac Optigo lender since 1989 + One of the nation's leading firms providing FHA-insured multifamily mortgages and an approved MAP lender with 30+ years of experience + We offer a competitive Multifamily Bridge Loan Program aimed at providing customers with shorter-term financing solutions as a bridge to closing on an agency or life company execution + Our long-standing relationships with numerous life insurance company investors gives us flexibility during the term of a loan M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $103,000.00 - $171,600.00 Annual (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location. **Location:** Clanton, Alabama, United States of America M&T Bank Corporation is an Equal Opportunity/Affirmative Action Employer, including disabilities and veterans.

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice. Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions' Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system. **Job Description:** At Regions, the RAH (Regions Affordable Housing) Affordable Housing Underwriter serves as part of the first line of defense, evaluating and underwriting tax credit investments to ensure each supports Regions' objectives and meets or exceeds investment guidelines. Through timely and thorough underwriting, this role supports Regions strategy to maintain and expand investor relationships. This position identifies and mitigates risk in existing and proposed transactions. This position will also work directly with teammates in Credit Risk, Client Coverage, Capital Markets, and other areas of the bank to lead the analysis of credit opportunities, underwriting of credit exposure, and management of a portfolio of loans and other credit relationships while providing effective challenge to these various constituents. This individual will evaluate and underwrite low-income housing tax credit (LIHTC) investments and construction/bridge loans to ensure each supports RAH's objectives and meets or exceeds investment guidelines. **Primary Responsibilities** + Prepares comprehensive executive summaries of proposed investments for review by team management, internal committee and investor approval, including a detailed project description, a list of merits, as well as risks and risk mitigates + Prepares credit approval packages on new and renewed debt products including determination of the appropriate risk rating as well as risk factors that could change the risk rating, analysis of financial performance, performance vs. projections, covenant compliance, relationship profitability (RAROC), and any other significant risk drivers + Conducts analyses of guarantors as needed to support credit underwriting + Reviews closing due diligence in collaboration with and oversight by more senior RAH team members + Maintains credit files including post-closing items (actively manages financial reporting requirements, covenant requirements, past dues and documentation exceptions and ensures credit files are complete with all up to date information) + Creates and maintains financial models, operating expense analysis, and sensitivity analyses + Coordinates initial closing, internal department, and third-party review process + Responds to developer and investor inquiries and underwriting and due diligence questions + Conducts site visits when necessary + Assists with special projects, equity payments, or other priorities, as requested + Conducts ongoing portfolio monitoring and servicing activities + Validates the appropriate risk rating for a company and proactively identifies risk rating changes + Identifies opportunities for exposure reduction or new opportunities within assigned portfolio + Develops a strong working knowledge of and ensures compliance with internal bank commercial loan policy, credit risk management policy, and external regulatory requirements documents any exceptions to policy and provides related rationale/mitigants + Offers advice and guidance to junior underwriters on occasion This position is exempt from timekeeping requirements under the Fair Labor Standards Act and is not eligible for overtime pay. This position is incentive eligible. **Requirements** + Bachelor's degree in related field + Four (4) years of underwriting and/or portfolio management or similar experience + Completion of a major corporate credit training program or equivalent corporate banking/finance experience + Proven ability to competently complete credit packages and credit servicing agreements under limited supervision **Skills and Competencies** + Ability to research, analyze data, and derive facts + Ability to work in a team environment when applicable + Ability to work under pressure and meet deadlines + Demonstrated leadership capabilities + Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.) + Strong negotiation skills + Strong verbal, written communication, and organizational skills + Strong work ethic and self-motivation _This position may be filled at a higher level depending on the candidate's qualifications and relevant experience._ **Position Type** Full time **Compensation Details** Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job. The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position. **Job Range Target:** **_Minimum:_** $95,271.26 USD **_Median:_** $121,219.20 USD **Incentive Pay Plans:** This role is eligible to participate in a discretionary incentive plan. Employees have the potential to receive a discretionary award based on performance against defined metrics and goals. **Benefits Information** Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. (******************************************************************** Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions. + Paid Vacation/Sick Time + 401K with Company Match + Medical, Dental and Vision Benefits + Disability Benefits + Health Savings Account + Flexible Spending Account + Life Insurance + Parental Leave + Employee Assistance Program + Associate Volunteer Program Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions' benefits, please click or copy the link below to your browser. ************************************************************* **Location Details** Regions Affordable Housing - NY **Location:** Great Neck, New York Equal Opportunity Employer/including Disabled/Veterans Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.

Essential Functions & Responsibilities: Assists members with opening and closing accounts, answers questions about products and services and resolves problems that are within their authority to resolve. Refers problems that are beyond their authority to their supervisor, along with their recommendations. Performs all consumer loan functions including selling services, quoting rates, utilizing the lending software and closing loans. Identifies cross-sell opportunities and cross-sells services to members. Ensures appropriate records are maintained and required reports are prepared. Conducts audits of system information and member documents. Acts as liaison between members and various departments. Represents the branch as appropriate in its relationships with members, sponsor organizations(s), business partners, other financial institutions and similar groups. Performs other job-related duties as assigned. Performance Measurements: Open all accounts, certificates, loans, and other credit union products or services accurately, ensuring all related forms and documents are completed in a timely manner. Actively cross-sell products and services to members to achieve or exceed all established sales goals and assist in meeting corporate goals. Troubleshoot and resolve member and internal inquiries in a timely and accurate manner. Ensure compliance with all applicable credit union policies and procedures. Maintain Quality Loop scores within the branch of 6.7 or higher. Knowledge and Skills: Experience: Minimum 6 months experience in as Member Service Rep (MSR). Education: A high school education or GED. Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation. Other Skills: Must be able to utilize various computer programs to obtain and enter information. Must demonstrate strong public contact and telephone skills. Must demonstrate good judgement in order to resolve member issues and to offer other services. Must be current on all policies and procedures related to teller and new account functions and be fully versed on all services offered by the credit union. Must demonstrate familiarity with the lending function; including taking consumer loan applications, cross selling, and closing consumer loans. Must have experience in handling share certificates and IRA accounts. Must be able to change job function as member traffic dictates to meet member needs. Physical Requirements: Light lifting required.

The Sr Commercial Credit Underwriter will perform due diligence and financial analysis on the bank's larger and more complex loan requests including CRE, C&I, Residential Construction and various types of specialty lending. Position can be hybrid or fully remote, but candidates must be located in Alabama and within traveling distance of Birmingham. Qualifications Must have at least 5 years of Commercial Credit Underwriting experience in a commercial banking environment. Prefer Finance/Accounting degree and formal credit training.

Responsibilities Summary: When someone needs coverage for the unique, the unusual, or the unconventional, they come to Burns & Wilcox. Burns & Wilcox offers unparalleled resources and exposure for those looking to excel in the specialty insurance industry. We are looking for candidates with an entrepreneurial spirit and drive for career advancement to join our team as a Commercial Lines Underwriter. The Commercial Lines Underwriter will have the opportunity to grow a book of business by underwriting new commercial business and increasing renewal business through the cultivation of client relationships. Responsibilities: Build, maintain, and grow a book of business Manage agency relationships and serve as lead client contact Create and execute marketing plans to increase new and renewal business Rate, quote and bind each risk to determine acceptability, coverage, and pricing for large or complex renewals as well as new business Develop and submit underwriting referrals to company brokerage facilities and Burns & Wilcox management Monitor key metrics to formulate corrective action impacting new business hit, renewal retention, premium growth, and loss ratio Lead, train, and develop Assistant and Associate Underwriters Qualifications Bachelor's degree or equivalent combination of education and experience 3+ years of commercial lines underwriting experience required, excess & surplus lines experience preferred Demonstrated proficiency in sales and marketing Insurance license, CPCU, CIC or comparable designations preferred Proven organization skills and ability with a strong attention to detail Interest in continued education and professional development Travel if necessary in order to foster strong client relationships Benefits: Competitive base compensation with a sales bonus plan Employer paid continuing education courses and designations via access to Kaufman Institute Health and welfare benefits including medical, vision and dental 401K with employer match Paid vacation, sick time, and holidays Access to Kaufman Wellness Program Flexible and hybrid work options About Our Company Burns & Wilcox, the flagship organization of H.W. Kaufman Group, is North America's leading wholesale insurance broker and underwriting manager. Burns & Wilcox offers wide ranging and comprehensive solutions to serve retail insurance brokers and agents of all sizes, from the large houses to the more than 30,000 independent brokers and agents worldwide. Fueled by its freedom from Wall Street and private equity, Burns & Wilcox is a privately owned company whose standards of service, depth of market relationships and outstanding talent are unsurpassed in the specialty insurance sector. Equal Opportunity Employer The H.W. Kaufman Group of companies is an equal opportunity employer. All employment decisions are based on business needs, job requirements and individual qualifications, without regard to race, color, religion, gender, gender identity, age, national origin, disability, veteran status, marital status, pregnancy, sexual orientation, genetic information or any other status or condition protected by the laws or regulations in the locations where we operate. In addition, Kaufman will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.

Responsibilities Summary: When someone needs coverage for the unique, the unusual, or the unconventional, they come to Burns & Wilcox. Burns & Wilcox offers unparalleled resources and exposure for those looking to excel in the specialty insurance industry. We are looking for candidates with an entrepreneurial spirit and drive for career advancement to join our team as a Commercial Lines Underwriter. The Commercial Lines Underwriter will have the opportunity to grow a book of business by underwriting new commercial business and increasing renewal business through the cultivation of client relationships. Responsibilities: * Build, maintain, and grow a book of business * Manage agency relationships and serve as lead client contact * Create and execute marketing plans to increase new and renewal business * Rate, quote and bind each risk to determine acceptability, coverage, and pricing for large or complex renewals as well as new business * Develop and submit underwriting referrals to company brokerage facilities and Burns & Wilcox management * Monitor key metrics to formulate corrective action impacting new business hit, renewal retention, premium growth, and loss ratio * Lead, train, and develop Assistant and Associate Underwriters Qualifications * Bachelor's degree or equivalent combination of education and experience * 3+ years of commercial lines underwriting experience required, excess & surplus lines experience preferred * Demonstrated proficiency in sales and marketing * Insurance license, CPCU, CIC or comparable designations preferred * Proven organization skills and ability with a strong attention to detail * Interest in continued education and professional development * Travel if necessary in order to foster strong client relationships Benefits: * Competitive base compensation with a sales bonus plan * Employer paid continuing education courses and designations via access to Kaufman Institute * Health and welfare benefits including medical, vision and dental * 401K with employer match * Paid vacation, sick time, and holidays * Access to Kaufman Wellness Program * Flexible and hybrid work options About Our Company Burns & Wilcox, the flagship organization of H.W. Kaufman Group, is North America's leading wholesale insurance broker and underwriting manager. Burns & Wilcox offers wide ranging and comprehensive solutions to serve retail insurance brokers and agents of all sizes, from the large houses to the more than 30,000 independent brokers and agents worldwide. Fueled by its freedom from Wall Street and private equity, Burns & Wilcox is a privately owned company whose standards of service, depth of market relationships and outstanding talent are unsurpassed in the specialty insurance sector. Equal Opportunity Employer The H.W. Kaufman Group of companies is an equal opportunity employer. All employment decisions are based on business needs, job requirements and individual qualifications, without regard to race, color, religion, gender, gender identity, age, national origin, disability, veteran status, marital status, pregnancy, sexual orientation, genetic information or any other status or condition protected by the laws or regulations in the locations where we operate. In addition, Kaufman will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.

At First Horizon Bank Operations, we are on a mission to deliver a seamless customer experience. We are passionate about doing things right and doing the right things. We collaborate with each other and with our internal business partners to delight our customers. We believe in creating an environment where everyone's ideas are valued so that the team operates at its best. Our team members serve with humility and a deep commitment to their responsibility to be the best at serving their customers one opportunity at a time. Summary The Centralized Commercial Lending - Renewal Team is searching for a Commercial Underwriter II responsible for evaluating business loan applications based on established Bank policies and procedures. Candidate will evaluate the merits of an existing loan request in the $1MM-$3MM range of total exposure, and either recommend a decision to a senior credit officer or use their own authority to decision the application. Key Responsibilities * Review cash flows and Moody's spreads either self-prepared or prepared by the Credit Analyst, conduct in-depth analyses of financial information to form a recommendation of approval or denial of new loans in accordance with the Bank's policy and procedures. Prepare Credit Origination Memorandum in a clearly written concise manner, identifying strengths, risks and mitigating factors. Review, analyze and evaluate financial and pertinent data to determine credit worthiness of loan prospects and merits of specific loan requests. Collaborate with Relationship Managers, leaders and Relationship Managers to gather all necessary information to present an accurate and complete assessment of the loan presented. * Ability to prepare high quality, detailed credit approval documents that contain an in-depth analysis, an understanding of and identification of credit issues and risks. Ability to spread and interpret financial statements, tax returns, and projections using Excel. * Ability to provide recommendations on loan structuring and alternative structures that may be more appropriate for the transaction. * Ability to work in a high-volume environment, meeting or exceeding Service Level Agreements and turn time goals throughout the process, providing credit decisions in a timely manner. * Work independently on special projects related to credit topics and issues as requested by Bank Credit team(s). * Support the Bank's strong relationship banking culture through on-going internal partner contact, quality customer service, and superior product knowledge. Understand and adhere to the Bank's Bank Secrecy Act policy and procedures and "know your customer/enhanced due diligence" guidelines. Brings any suspicious activity to the attention of a supervisor, or the Bank Secrecy Act Officer. Follow all Bank policies and procedures to ensure compliance with all laws and regulations. * May perform other duties as assigned. Requirements * Bachelor's degree required for consideration or equivalent combination of education and experience * Three (3) to five (5) years of commercial credit underwriting experience Knowledge/Skills/Abilities/Training/Systems * Fundamental understanding of commercial credit underwriting. * Ability to interact with all levels of clients, staff and management. * Ability to work successfully in a deadline driven team environment. * Strong MS Office skills, especially with Excel. * Must be organized and detail oriented with the ability to multitask. * Must be able to work independently and make sound decisions. * Good written and oral communication skills. * Good fundamental understanding of general bank operations, proficient understanding of the components of financial planning, deposit products, small business products, investment and insurance products. * Knowledge of Moody's CreditLens preferred * Knowledge of nCino preferred About Us First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at ********************* Benefit Highlights * Medical with wellness incentives, dental, and vision * HSA with company match * Maternity and parental leave * Tuition reimbursement * Mentor program * 401(k) with 6% match * More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits Follow Us Facebook X formerly Twitter LinkedIn Instagram YouTube

At Amwins, we succeed together - and have a good time doing it. We know people don't leave companies. They leave cultures - which is why we work so hard on ours. At Amwins, we thrive on collaboration, not cutthroat competition. Our teams work together to help each other succeed, and we do right by our clients so they can do right by theirs. First and foremost, we invest in our employees. That investment shows in everything we do; education and development programs, comprehensive and competitive benefits, and an organizational structure that's 43% owned by employee shareholders. Our commitment to diversity, equity and inclusion helps cultivate an open, welcoming workplace that reflects the communities we serve. You will have the opportunity volunteer within Amwins through a wide range of committees and in your community through the Amwins Foundation and Summer of Service. Working at Amwins means you love what you do, how you do it and, ultimately, who you do it with. Whether it's today or 150 years from now, we continue to invest in our culture and your development so opportunities for growth and career advancement are never in short supply. At Amwins, we win together - and have a good time doing it. Learn more about us at amwins.com. We see you in Amwins blue! Join our Special Risk Underwriting team in Birmingham. This position is in-office. Snapshot of what Amwins provides to our team members: Compensation includes a salary commensurate with experience Annual bonus potential Broad benefits package available Most benefits available first day of employment Medical, Dental, Vision, Life, etc Paternal Leave, Adoption Assistance, Travel Reimbursement for healthcare, Retail Discount Program, Scholarships for dependents of Amwins employees, etc Generous Paid Time Off and Company Holiday Schedule Collaborative, continuing education focused work environment Career advancement opportunities Each Associate Underwriter provides vital team functions: Review submissions information required to issue new or renewal quotes Rate and prepare of new or renewal quotes as directed by Underwriter Review of and handling of inspection recommendations and discrepancies Monitor various reports for consistency Potential for policy issuance and endorsement processing, including audits Assist in accounting procedures such as invoicing Data entry into multiple internet based systems We are looking for people with: 1+ year office work experience or a degree from an accredited college or university Insurance experience is a bonus! The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Essential Functions & Responsibilities: * Assists members with opening and closing accounts, answers questions about products and services and resolves problems that are within their authority to resolve. Refers problems that are beyond their authority to their supervisor, along with their recommendations. * Performs all consumer loan functions including selling services, quoting rates, utilizing the lending software and closing loans. * Identifies cross-sell opportunities and cross-sells services to members. * Ensures appropriate records are maintained and required reports are prepared. * Conducts audits of system information and member documents. * Acts as liaison between members and various departments. * Represents the branch as appropriate in its relationships with members, sponsor organizations(s), business partners, other financial institutions and similar groups. * Performs other job-related duties as assigned. Performance Measurements: * Open all accounts, certificates, loans, and other credit union products or services accurately, ensuring all related forms and documents are completed in a timely manner. * Actively cross-sell products and services to members to achieve or exceed all established sales goals and assist in meeting corporate goals. * Troubleshoot and resolve member and internal inquiries in a timely and accurate manner. * Ensure compliance with all applicable credit union policies and procedures. * Maintain Quality Loop scores within the branch of 6.7 or higher. Knowledge and Skills: Experience: Minimum 6 months experience in as Member Service Rep (MSR). Education: A high school education or GED. Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation. Other Skills: Must be able to utilize various computer programs to obtain and enter information. Must demonstrate strong public contact and telephone skills. Must demonstrate good judgement in order to resolve member issues and to offer other services. Must be current on all policies and procedures related to teller and new account functions and be fully versed on all services offered by the credit union. Must demonstrate familiarity with the lending function; including taking consumer loan applications, cross selling, and closing consumer loans. Must have experience in handling share certificates and IRA accounts. Must be able to change job function as member traffic dictates to meet member needs. Physical Requirements: Light lifting required.

At SmartBank, our benefits package is designed to enhance your life. You'll enjoy medical, dental, vision, life, and disability insurance, as well as a 401(k) plan with a 4% employer match. Our generous paid time off (PTO), SmartFlex Days, and 11 Paid Company Holidays promote work-life balance. Engage in paid community involvement, enjoy company apparel, and access tuition reimbursement for your growth. About Us SmartBank is rooted in our core values: Acting with Integrity, Being Enthusiastic, Creating Positivity, Demonstrating Accountability, and Embracing Change. Our team lives and breathes these values to fulfill our core purpose: creating "WOW" experiences for our clients. For over 15 years, we've been delivering on this purpose in Tennessee, Alabama, and Florida, and we're continuously expanding our reach. Our team is empowered to care for our clients and actively participate in the communities we serve. At SmartBank, we prioritize individual needs, set high expectations, and celebrate achievements - that's the SmartBank way. Our Credit Underwriter will be held accountable for: * Upholds SmartBank Core Values and Core Purpose. * Compare liquidity, profitability, and credit histories of individual or company being evaluated with similar establishments to determine risk. * Analyze the financial records like earnings, savings, payments and purchase of the company or individual and recommend other useful financial activity for further plans. * Assist in the underwriting, structuring, and monitoring of a variety of loans within their assigned portfolio. * Typically works with 2-3 loan officers, typically located within an assigned geographic region. * Complete loan applications, including credit analyses and summaries of loan requests, and submits loan for approval to various individuals and committees. Ideal candidates for the role will include: * Bachelor's degree in related field. * Two years of financial analysis / underwriting experience preferred. A career at SmartBank is more than just a job, it is a family where values are upheld and hard work is recognized. Our SmartBank team of associates are trustworthy, loyal and innovative. We have been supporting our customers for over 10 years in Tennessee, Alabama, and Florida and are continuing to grow. We empower our associates to treat our customers with care and to be involved in the communities we support. We build exceptional value by fostering a work environment that respects individual needs, establishes high expectations and recognizes achievement - It is the SmartBank way.

Job Description At ServisFirst, Our Name is Our Mission. DUTIES AND RESPONSIBILITIES The Mortgage Underwriter is responsible for the timely and accurate underwriting of all mortgage loan files according to bank and investor guideline and compliance regulations. The incumbent will: Underwrite mortgage loans to ensure compliance with bank and investor guidelines Assess loan attributes and documentation for soundness and accuracy Evaluate debt ratio, loan-to-value ratio, credit score, and appraisal to meet investor guidelines Review and analyze appraisals to ensure loan risk is acceptable to bank and investor guidelines Determine and document loan conditions, requirements, and decisions Evaluate Loan Estimate (LE) for accuracy and compliance with RESPA and TRID Utilize an Automated Underwriting System (AUS) or predetermined guidelines to underwrite loans Stay abreast of Private Mortgage Insurance (PMI) guidelines and order PMI as necessary Maintain knowledge of all applicable underwriting guidelines Review legal and regulatory compliance documents for accuracy Provide strong and clear communication to other mortgage department personnel and borrowers regarding documents needed for mortgage loan files to ensure quick turnaround time Provide guidance to processors regarding procedures and requirements Assist closing/post-closing personnel to ensure loan is purchased by investor Perform administrative duties such as faxing, photocopying, filing and phone support as necessary Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies Note: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job. Note: Additional duties and responsibilities may be assigned. MINIMUM QUALIFICATIONS High school diploma or equivalent; some college preferred Five (5) years of mortgage lending experience Three (3) years of mortgage underwriting experience Previous experience using automated underwriting technology preferred Basic knowledge of bank operations and products Basic knowledge of federal and state banking compliance regulations, and other Bank operational policies Knowledge of federal and state regulations regarding lending and related consumer disclosure requirements Excellent knowledge of agency and investor guidelines Effective oral, written and interpersonal communication skills with the ability to carry out instructions, understand procedures and write correspondence Proficient in Microsoft Outlook, Word and Excel Excellent customer service and time management skills Ability to multitask, as shown in previous experience completing tasks under time constraints Good organizational skills Good data entry/keyboarding and math skills PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONS The physical requirements and environmental conditions of this position consist primarily of: Sustained standing and sitting Frequent use of PC, including typing or sustained attention to monitor Frequent typing using a keyboard and/or calculator Occasional lifting of basic office files or equipment up to 20 lbs Normal office environment with comfortable internal temperatures and low level noise EOE/AA

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

Role: Assists members and potential members with their financial needs, opens new accounts, processes account transactions, resolves problems, and provides assistance and information regarding products and services. Essential Functions & Responsibilities: Assists members with opening and closing accounts, answers questions about products and services and resolves problems that are within their authority to resolve. Refer problems that are beyond their authority to their supervisor, along with their recommendations. Performs all consumer loan functions including selling services, quoting rates, utilizing the lending software and closing loans. Identifies cross-sell opportunities and cross-sells services to members. Ensures appropriate records are maintained and required reports are prepared. Conducts audits of system information and member documents. Acts as liaison between members and various departments. Represents the branch as appropriate in its relationships with members, sponsor organizations(s), business partners, other financial institutions and similar groups. Performs other job-related duties as assigned. Performance Measurements: Open all accounts, certificates, loans, and other credit union products or services accurately, ensuring all related forms and documents are completed in a timely manner. Actively cross-sell products and services to members to achieve or exceed all established sales goals and assist in meeting corporate goals. Troubleshoot and resolve member and internal inquiries in a timely and accurate manner. Ensure compliance with all applicable credit union policies and procedures. Maintain Quality Loop scores within the branch of 6.7 or higher. Knowledge and Skills: Experience: Minimum 6 months experience in as Member Service Rep (MSR). Education: A high school education or GED. Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation. Other Skills: Must be able to utilize various computer programs to obtain and enter information. Must demonstrate strong public contact and telephone skills. Must demonstrate good judgement in order to resolve member issues and to offer other services. Must be current on all policies and procedures related to teller and new account functions and be fully versed on all services offered by the credit union. Must demonstrate familiarity with the lending function; including taking consumer loan applications, cross selling, and closing consumer loans. Must have experience in handling share certificates and IRA accounts. Must be able to change job function as member traffic dictates to meet member needs. Physical Requirements: Light lifting required.

At Amwins, we succeed together - and have a good time doing it. We know people don't leave companies. They leave cultures - which is why we work so hard on ours. At Amwins, we thrive on collaboration, not cutthroat competition. Our teams work together to help each other succeed, and we do right by our clients so they can do right by theirs. First and foremost, we invest in our employees. That investment shows in everything we do; education and development programs, comprehensive and competitive benefits, and an organizational structure that's 43% owned by employee shareholders. Our commitment to diversity, equity and inclusion helps cultivate an open, welcoming workplace that reflects the communities we serve. You will have the opportunity to volunteer within Amwins through a wide range of committees and in your community through the Amwins Foundation and Summer of Service. Working at Amwins means you love what you do, how you do it and, ultimately, who you do it with. Whether it's today or 150 years from now, we continue to invest in our culture and your development so opportunities for growth and career advancement are never in short supply. Learn more about us at amwins.com. Join our Amwins Access team in Birmingham as an Associate Underwriter! This is a full time, in office position in our Birmingham, AL office. We are looking for people with: 1 year experience as support staff in an office environment or a Bachelor's degree from an accredited four-year university Prior insurance experience is a plus! Eagerness to learn and grow as a team Exceptional communication skills, organization, professionalism and customer-service mentality Microsoft Office proficiency with an emphasis in Excel spreadsheets Each Associate Underwriter provides vital team functions: Review submission information required to issue new or renewal quotes Rate and prepare new or renewal quotes as directed by Underwriter Review and handle inspection recommendations and discrepancies Monitor various reports for consistency Potential for policy issuance and endorsement processing, including audits Assist in accounting procedures such as invoicing Data entry into multiple internet based systems Snapshot of what Amwins provides to our team members: Compensation includes a salary commensurate with experience Annual bonus potential Broad benefits package available Most benefits available first day of employment Medical, Dental, Vision, Life, etc Paternal Leave, Adoption Assistance, Travel Reimbursement for healthcare, Retail Discount Program, Scholarships for dependents of Amwins employees, etc. Generous Paid Time Off and Company Holiday Schedule Collaborative, continuing education focused work environment Career advancement opportunities The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice. Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions' Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system. **Job Description:** At Regions, the Corporate Loan Fulfillment Construction Monitoring Analyst position is responsible for managing risk related to all commercial construction loan projects, greater than two million, from the various lines of business throughout the Bank's 16-state footprint. **Primary Responsibilities** + Reviews construction contracts and other construction-related documents to ensure compliance with policy and identify any relevant or outstanding issues + Reviews construction loan requirements in underwriter's approval with the field, to ensure compliance with policy + Works in conjunction with the Credit Products and Fulfillment teams to obtain, review, and approve all required preliminary construction documentation prior to the loan closing + Evaluates and approves draw requests, ensuring that all required documentation is submitted and acceptable, per Regions' construction loan policy and Real Estate Banking Advisor guidelines + Assists with questions, and work with senior analysts regarding issues that arise in the field during construction; facilitating with Relationship Team, and Credit Products until resolved + Creates and maintains sources and uses worksheet reflecting a balanced budget throughout the construction project; including hard and cost soft costs, budget reallocations, and change orders + Reconciles contractor draw requests in conjunction with available loan funds + Partners with other lenders, in agent, and not agent projects + Assigns and manage approved 3rd party construction consulting inspection firms + Maintains relationships with third party partners, such as title contacts and inspectors, throughout project; complete scorecards as needed post project completion + Secures all required final construction completion documents at project completion, and verify that there are no outstanding issues + Partners with one (1) or more of the following segments: Real Estate Banking, Real Estate Corporate Banking, Regions Equipment Finance, Specialized & Diversified Industries, Commercial Banking Credit Services, Capital Markets, and Problem Asset Management **Requirements** + Bachelor's degree + OR High School Diploma or GED with three (3) years previous real estate underwriting, construction loan disbursement, paralending, or related commercial banking experience **Skills and Competencies** + Demonstrates strong interpersonal, verbal, and written communication skills + Highly organized, detail-oriented, with ability to manage multiple projects under sensitive time constraints + Strong analytical and problem solving skills + Excellent time management + Strong Microsoft Excel skills **Position Type** Full time **Compensation Details** Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job. The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position. **Job Range Target:** **_Minimum:_** $44,599.50 USD **_Median:_** $57,280.00 USD **Incentive Pay Plans:** This job is not incentive eligible. **Benefits Information** Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. (******************************************************************** Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions. + Paid Vacation/Sick Time + 401K with Company Match + Medical, Dental and Vision Benefits + Disability Benefits + Health Savings Account + Flexible Spending Account + Life Insurance + Parental Leave + Employee Assistance Program + Associate Volunteer Program Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions' benefits, please click or copy the link below to your browser. ************************************************************* **Location Details** Riverchase Complex North Building **Location:** Hoover, Alabama Equal Opportunity Employer/including Disabled/Veterans Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.