Underwriter jobs in Lansing, MI

This job serves as the single-point-of-contact for sales teams and assigned customers, delivering insights and recommendations to sales in order to aid customer acquisition/retention while maintaining performance goals. This incumbent will collaborate with cross functional team members on client-level quotes and function as a trusted adviser by providing financial and risk management support to sales as well as strategic insight. **ESSENTIAL RESPONSIBILITIES** + Understand department and the company'sstrategic goals and competitive position and drives client-level results towards these ends. Actively work with Sales team to manage portfolio of clients towards financial and business targets, e.g. membership, revenue, margin, etc. + Proactively draw insights from quote details, client understanding and regional insights to deliver best-possible recommendation to Sales. State and maintain independent perspective, including under pressure from more senior individuals, identifying opportunities and concerns. + Responsible for portfolio of clients through underwriting engagement, from identification through documentation of final sold-contract details + Assess risk by looking at various risk measures such as risk scores, demographic analysis, and turnover considerations. + Serve as the accountable owner for all quotes delivered to sales partners. Develop a perspective on each client package deliverable. Clearly and confidently communicates Underwriting's position on the risk profile of each client + Identify tool improvement needs and communicates needs to Product Development teams + Maintain accurate book management details including concession budget + Other duties as assigned or requested. **Required** + Bachelor's Degree in Science, Technology, Mathematics or related field **Substitutions** + Six (6) years additional experience required in lieu of degree **Preferred** + None **EXPERIENCE** **Required** + 3 years of Health Care Underwriting OR risk mgmt OR actuary work OR applying advanced mathematics to include + 1 years of external client interaction or comparable external interactions **Preferred** + 1 year in Risk Management **OR** of Actuary work **OR** of applying Advanced Mathematics **LICENSES or CERTIFICATIONS** **Required** + None **Preferred** + None **SKILLS** + Understanding of health products, services, risk assessment and techniques + Consultative mindset + Strong Oral and Written Communications skills **Language (Other than English):** None **Travel Requirement:** 0% - 25% **PHYSICAL, MENTAL DEMANDS and WORKING CONDITIONS** **Position Type** Office-based Teaches / trains others regularly Rarely Travel regularly from the office to various work sites or from site-to-site Occasionally Works primarily out-of-the office selling products/services (sales employees) Never Physical work site required Yes Lifting: up to 10 pounds Constantly Lifting: 10 to 25 pounds Rarely Lifting: 25 to 50 pounds Never **_Disclaimer:_** _The job description has been designed to indicate the general nature and essential duties and responsibilities of work performed by employees within this job title. It may not contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees to do this job._ **_Compliance Requirement_** _: This job adheres to the ethical and legal standards and behavioral expectations as set forth in the code of business conduct and company policies._ _As a component of job responsibilities, employees may have access to covered information, cardholder data, or other confidential customer information that must be protected at all times. In connection with this, all employees must comply with both the Health Insurance Portability Accountability Act of 1996 (HIPAA) as described in the Notice of Privacy Practices and Privacy Policies and Procedures as well as all data security guidelines established within the Company's Handbook of Privacy Policies and Practices and Information Security Policy._ _Furthermore, it is every employee's responsibility to comply with the company's Code of Business Conduct. This includes but is not limited to adherence to applicable federal and state laws, rules, and regulations as well as company policies and training requirements._ **Pay Range Minimum:** $50,200.00 **Pay Range Maximum:** $91,200.00 _Base pay is determined by a variety of factors including a candidate's qualifications, experience, and expected contributions, as well as internal peer equity, market, and business considerations. The displayed salary range does not reflect any geographic differential Highmark may apply for certain locations based upon comparative markets._ Highmark Health and its affiliates prohibit discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibit discrimination against all individuals based on any category protected by applicable federal, state, or local law. We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact the email below. For accommodation requests, please contact HR Services Online at ***************************** California Consumer Privacy Act Employees, Contractors, and Applicants Notice Req ID: J272541

The Underwriter II will evaluate new and renewal risks to ensure proper risk selection, pricing and terms for policies generated in assigned territory. This position will work within the established strategy and delegated authority to generate a profitable portfolio. Essential Duties & Responsibilities Risk evaluation . Evaluate submissions to determine acceptability of risks in accordance with company guidelines and standards. Determine proper coverage, pricing, limits and terms based on exposure. Guideline adherence . Understand and follow the applicable underwriting guidelines, policies, and procedures to maintain consistency and adherence to industry regulations. Operate within assigned letter of underwriting authority. External communication . Interact with customers, agents, and brokers to gather necessary information and to clarify underwriting requirements. Negotiate policy terms. Participate in stewardship meetings. Data analysis . Utilize analytical tools to evaluate exposure and understand the driver of claims. Collaboration . Drive a multi-disciplinary approach to understanding insureds' risks. Collaborate with other underwriters and team members to gain a comprehensive understanding of the exposure and best means to provide coverage. Documentation . Maintain accurate and detailed records of underwriting decisions and communication with both internal and external parties. Responsible for documenting the underwriting process and decisions of assigned policies. Portfolio Management . Manage profitability, risk characteristics, submission flow, agent/broker relationships and customer service of assigned territory. Exhibit knowledge of insurance and health care industries and other companies underwriting similar coverage. Marketing. Assist in marketing activities. Project work. May participate on or lead projects. Education, Experience, Competencies & Values Bachelor's degree from four-year college or university preferred; or four to seven years related experience and/or training; or equivalent combination of education and experience. Willingness to complete requirements of the CPCU or RPLU designation is preferred. Strong analytical skills. Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, governmental regulations, underwriting guidelines and manuals, bylaws, financials, articles of organization, loss runs, Joint Commission reports and other industry reports. Ability to write reports and business correspondence. Proficiency with Microsoft Office suite of programs. Comfortable and effective in presenting information and responding to questions from groups of managers, clients, customers, and the general public. Ability and willingness to travel up to 20% of the year. Base salary range is $81,660 - $110,485 . Individual compensation packages are based on a variety of factors that are unique to each candidate including location, skill set, experience, qualifications and education. If you're a caring and customer focused individual who enjoys working with passionate team members, Coverys is the right company for you!

Develops and manages independent agency relationship including the development of new business and retention of existing business in a region or territory. Reviews, analyzes, approves or rejects complex business within letter of authority. Serve as liaison with company personnel regarding company business opportunities and problem resolution. Responsible for assisting in establishing the territory's or region's overall agency plan. Residency in any of the following states required: NC, SC, VA, MD, CT, PA, DC RESPONSIBILITIES/TASKS: Calculates, prepares and develops premium quotations using corporate underwriting guidelines within letter of authority. Determines underwriting eligibility for prospective policyholders and develops appropriate pricing for new business, renewals, and endorsements. Analyzes and reviews prospective accounts for insurability and accepts or rejects within letter of authority. Develops and manages agency relationships. Develops agency plans in cooperation with other staff. Addresses agents' and policyholders' concerns/needs. Responsible for development of new business, profitability and retention of existing business in a given territory or region. Explains and emphasizes benefit of workers' compensation insurance products and services to customers. Works with all internal departments to resolve problems and maintain company relations. Participates as necessary on special committees and task forces. Interprets and develops territory reports which reflect the status of the territory. Participates in promotional plans for both company and agent activities Analyzes and reviews production and loss information for agents, determines exposure and proper pricing to develop corrective action plans as needed to correct poor performance. . Prepares periodic reports as requested. Manages small territory or region under close supervision. Researches and coordinates responses to agents, policyholders and regulatory entities. Appoints and trains new agents and new agency employees on the use of company specific automation systems. Reviews loss trends and develops action plans to correct problem areas. Gathers competitive and product information from the field. Represents company at trade associations and exhibits to promote corporate product. Conducts annual agency audits. Develops a strong relationship and partnership with the claims department. Negotiates and develops consultative agreements with specified agents. Develops and plans schedule for large account service plans with claims, loss control, premium audit, and other departments as needed. Provides input for agency advisory council meetings. Provides information for and participates in rate review process. Independent management of a field region or territory. Mentors Business Development Consultants. Assists in the development of regional goals. Presents at annual staff meetings Demonstrates leadership in the Business Development Consultant responsibilities. Coordinates special projects of behalf of Regional Manager, as assigned. Provides training sessions for team, other Business Development Consultants, other business units, agents and policyholders as required. Mentors other team members by providing guidance, advice, encouragement, and motivation employees in their daily efforts. Acts as back-up for Regional Manager. Serves as technical expert or regional advisor for region or territory. This position description identifies the responsibilities and tasks typically associated with the performance of the position. Other relevant essential functions may be required. EMPLOYMENT QUALIFICATIONS: EDUCATION: Bachelor's degree in marketing, insurance or related field. Combinations of relevant education and experience may be considered in lieu of a degree. Continuous learning required, as defined by the Company's learning philosophy. Certification, or progress toward, highly preferred and encouraged. MBA or other advanced degree is preferred. EXPERIENCE: A minimum of seven to ten years' experience in an insurance organization with demonstrated technical knowledge in one or more of the following areas: underwriting, marketing, loss prevention, auditing or similar knowledge that provide the necessary skills and abilities. Workers' compensation or P&C insurance experience required . Management experience preferred. SKILLS/KNOWLEDGE/ABILITIES (SKA) REQUIRED: Ability to exercise advanced judgment skills in evaluating and determining the proper pricing for prospective policyholders using corporate underwriting guidelines by accepting or rejecting risks for the purposes of issuing workers' compensation insurance coverage. Ability to manage agency relationships and demonstrated ability to make sound underwriting decisions. Advanced knowledge of appropriate jurisdictional workers compensation laws. Ability to calculate expected pricing, dividends, and premium quotations for agents and policyholders. Ability to analyze territory or region in order to identify problems and take the appropriate corrective action. Ability to comprehend the consequences of various problem situations and address them or refer them for appropriate decision making. Ability to effectively exchange information clearly and concisely, and present ideas, reports, facts and other information, and respond to questions as appropriate. Ability to be innovative and creative when presented with unique situations. Excellent verbal and written communication skills with the ability to effectively communicate with agents, policyholders and internal customers. Ability to analyze and solve practical problems which deal with a variety of variables. Ability to make competent, independent decisions. Ability to analyze and manage data. Ability to meet customers' changing needs. Excellent time management and organizational skills with the ability to shift priorities appropriately. Ability to understand and implement audit procedures and processes for agencies. Ability to exercise excellent judgment in evaluating and determining the proper pricing for prospective policyholders using corporate underwriting guidelines by accepting or rejecting risks for the purposes of issuing workers' compensation insurance coverage. Knowledge of occupational classification codes, loss ratios, claims histories, retention plan, scheduled rating related to workers compensation. Demonstrated ability to manage agency relationships. Demonstrated ability to make sound underwriting decisions. Thorough knowledge of appropriate jurisdictional workers compensation laws. Ability to calculate expected pricing, dividends, and premium quotations for agents and policyholders. Ability to analyze territory or region in order to identify problems and take appropriate corrective action. Ability to comprehend the consequences of various problem situations and address them or refer them for appropriate decision making. Ability to assist management in the development and implementation of regional or territory goals Ability to effectively exchange information clearly and concisely, and present ideas, reports, facts and other information, and respond to questions as appropriate. Ability to communicate our value proposition as a carrier. Ability to be innovative and creative when presented with unique situations. Excellent oral and written communication skills with the ability to effectively communicate with agents and policyholders. Ability to analyze and solve practical problems which deal with a variety of variables. Ability to make competent, independent decisions. Ability to understand and implement audit procedures and processes for agencies. Demonstrated superior judgment in evaluating and determining the proper pricing for prospective policyholders using corporate underwriting guidelines by accepting or rejecting risks for the purposes of issuing workers' compensation insurance coverage. Demonstrated superior judgment and analytical abilities to analyze regions and/or territories and identify corrective action. Thorough knowledge of departmental procedures, processes and workflow. Extensive knowledge of appropriate jurisdictional workers' compensation laws, regulatory authorities, industry trends and their impact. Ability to take a lead role and/or assist in training and mentoring others. Ability to understand business needs and conceptualize and implement processes and procedures that support business strategies. Ability to research workers compensation laws, regulations or issues specifically, in order to offer guidance and/or direction to others. Ability to train and mentor others. Demonstrated ability to communicate our value proposition as a carrier. Demonstrated leadership abilities. Demonstrated expertise regarding territory or region. WORKING CONDITIONS: Pay Range - Actual compensation decision relies on the consideration of internal equity, candidate's skills and professional experience, geographic location, market, and other potential factors. It is not standard practice for an offer to be at or near the top of the range, and therefore a reasonable estimate for this role is between $107,000 and $179,300 (P4C - range depends on geographic differential and may be higher or lower depending on state of residency at time of offer) . Work is performed both in a virtual/home office and in the field with minimal hazards. Travel is required with occasional overnight stays. May be required to lift and carry computer equipment and other marketing promotional items weighing up to 35 lbs. Relocation may be necessary. Must possess a valid driver's license with a record that meets corporate standards. The qualifications listed above are intended to represent the minimum education, experience, skills, knowledge and ability levels associated with performing the duties and responsibilities contained in this job description. We are an Equal Opportunity Employer. We will not tolerate discrimination or harassment in any form. Candidates for the position stated above are hired on an "at will" basis. Nothing herein is intended to create a contract. #LI-TM1 #AFG

If you are an internal associate, please login to Workday and apply through Jobs Hub. Job Purpose The Underwriter determines appropriate risk classification for policies based on collection of data, detailed research, and sound judgment using company underwriting criteria and philosophy. The Underwriter reviews cases and determines necessary medical, non-medical, and compliance requirements. This individual provides information about the underwriting process to producers and customers and assists in the review of contestable claims, foreign death claims, and non-natural deaths for Accidental Death Benefit Claims. Essential Responsibilities Reviews insurance reinstatement/reissue applications and documentation to evaluate the eligibility of each applicant in accordance with company guidelines and standards. Determines necessary medical, non-medical, and some regulatory and compliance requirements. Escalates applications to Compliance when further review or referral is necessary. Determines appropriate risk classification based on detailed research, collection of data, and sound judgment using underwriting criteria and philosophy. Makes sound risk selections to protect the company and satisfy customer expectations. Assesses the need for additional information or for referral to a Sr Underwriter for opinion or recommendation. Advises the producer, agent, or customers about the rationale for underwriting decisions, including adverse ones. Assists the producer or agent when there is a request or need for information relating to any aspect of the underwriting process. Assists customers, producers, and internal associates with complex underwriting service issues. Has approval authority for $250,000 Standard through $2.5 million all rates. Participates in review of contestable claims to identify underwriting process improvements and consult on the overall outcome of the claim. Participates in the investigation of complex life and annuity claims and compiles records to make sound settlement decisions. Reviews foreign death claims to determine good order and the business's ability to settle the claim. Reviews life claims where the manner of death is anything other than natural for determination of Accidental Death Benefit proceeds payable. Reviews and decides qualification for payment under Claims Living Benefits. Performs basic clerical duties required to support the underwriting process. Other Duties Performs project and committee work as assigned. Interprets normal electrocardiograms (ECG/EKG). Identifies and orchestrates updates to the Life Underwriting Guide. Performs other duties and/or projects as assigned. Knowledge, Skills and Abilities Strong verbal and written communication skills. Intermediate knowledge of underwriting risk assessment, research, medical terminology, and treatments. Demonstrated ability to exercise good judgment in the application of underwriting techniques. Ability to communicate underwriting decisions clearly and concisely. Strong product knowledge. Solid analytical and problem-solving skills. Solid organization and prioritization skills. Ability to work well under pressure. Strong customer service skills. Proficient in Microsoft Office applications and other relevant department software. Ability to work independently and as part of a team. Qualifications Bachelor's Degree required. 3+ years of life underwriting experience required. Jackson is proud to be an equal opportunity workplace. The Company subscribes to and endorses federal and state laws and regulations relating to equal employment opportunity for all persons without regard to race, color, religion, gender, age, national origin, legally-recognized disability, marital status, legally-protected medical condition, citizenship, ancestry, height, weight, sexual orientation, veteran status, or any other factor not related to the needs of the job. The Company is committed to a policy of equal opportunity. Company facilities and campuses are tobacco-free environments.

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.

The Doctors Company has an opportunity for an Underwriter to be part of our Region II team. This is a hybrid opportunity at our office in East Lansing, MI, or Mechanicsburg, PA. The Underwriter manages an assigned book of business including risk analysis of new and renewal business, policy changes and general servicing of accounts. Qualifications Bachelor's degree (4 years of college) preferred INS, RPLU or CPCU designation, or progress in obtaining such designation, is preferred. Four or more years underwriting experience. Medical malpractice underwriting or other healthcare background preferred. Ability to analyze and interpret complex documents. Strong oral and written communication skills including the ability to lead discussions Responsibilities Revenue Growth and Profitability Management Maintains an assigned book of business. Collaborates with manager and colleagues in other departments to achieve growth goals and retention targets. Collaborates with Business Development to build, strengthen and manage relationships with agents/brokers. Participates in virtual or in-person agent/broker meetings related to specific accounts or overall underwriting discussions. Manages assigned book in accordance with the company's profitability goals. Underwriting Discipline Adheres to established underwriting guidelines, authority and filed rules and rates as approved by the various state insurance departments. Evaluates new business submissions, renewals, and policy change requests for their book of business resulting in underwriting decisions within their authority or recommendations for decisions exceeding their authority. Maintains policy documentation in appropriate systems in accordance with storage guidelines. Understands and complies with state statutory requirements including policy language changes, notice requirements, Patient Compensation Fund (PCF) rules and unique requirements. Customer Satisfaction Develops and maintains positive working relationships with agents/brokers, coworkers, and members. Responds to agents/brokers and members within company service standards. Prioritizes tasks to meet renewal deadlines, customer service standards and miscellaneous project due dates. Personal Development Works with manager to identify, and achieve, annual and personal development goals. Completes training and maintains proficiency in key underwriting skills. Maintains proficiency in underwriting systems. Develops knowledge of new and emerging underwriting skills and theories through continuing education and training. Builds knowledge of competitors and stays current with changes or advancements in healthcare delivery. Other Duties to be Assigned Works on various projects and assignments made by the Underwriting Manager. Participates actively and provides updates to management on assigned projects within given deadlines. Salary Range: $56,000 - $88,435 Compensation varies based on skills, knowledge, and education. We consider factors such as specialized skills, depth of knowledge in the field, and educational background to ensure fair and competitive pay. Benefits We offer competitive compensation, incentive bonus plans, outstanding career opportunities, an exceptional work environment, and an impressive benefits package, which starts with medical, family and bereavement leave; same-sex domestic partner benefits; short- and long-term disability programs; and an employee assistance program. There's more: Health, dental, and vision insurance Health care tax-free spending accounts with a company match 401(k) and Roth IRA with company match, as well as catch-up plans for both Vacation days, sick days, and paid personal days each calendar year (with vacation increases based on length of service) Paid holidays each calendar year Life and travel insurance Tax-free commuter benefits In-person and online learning opportunities Cross-function career opportunities Business casual work environment Time off to volunteer Matching donations to qualifying nonprofit organizations Company-sponsored participation at non-profit events About The Doctors Company The Doctors Company is the nation's largest physician-owned medical malpractice insurer. Founded and led by physicians, we are committed to advancing, protecting, and rewarding the practice of good medicine. The Doctors Company is proud to be Certified™ by Great Place to Work .

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.

**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.

About Us SolomonEdwardsGroup, LLC ("SolomonEdwards") is a full-service professional services firm offering financial, operational, and technology consulting and operations support. We work with some of the world's most prominent companies to help them envision and achieve a better future. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, collaborative individuals who can help us deliver exceptional client service. For more information, visit SolomonEdwards Position Summary: SolomonEdwards is looking for a Mortgage Fulfillment Underwriter for one of its mortgage clients to ensure the assets reviewed meet all applicable investor guidelines, through a complete knowledge of requirements and regulations. You will be held accountable for the quality and accuracy of decisions. Position Locations: Phoenix, AZ Tampa, FL St. Louis, MO Plano, TX Moorpark, CA Pasadena, CA Essential Duties: - Decisions full range of mortgage loans, preferably including FHA loans. - Review all mortgage applications and documentation for accuracy and completeness. - Work with clients to prepare mortgage applications and related documentation as needed, and help resolve any outstanding issues. - Work with compliance officers to ensure Federal, State, and local compliance with all mortgage and loan materials. - Approve or deny mortgages on a timely basis. - Perform other related duties as required and assigned. - Demonstrate behaviors that are aligned with the organization's desired culture and values. Qualifications: - Bachelor's degree or equivalent work experience. - 3+ years of mortgage underwriting experience required. - Knowledge of mortgage laws and regulations required, including the Home Mortgage Disclosure Act. - Knowledge of state and federal agency mortgage loan guidelines and regulations is helpful. Skills and Job-Specific Competencies: - Solid knowledge of mortgage underwriting and basic automated underwriting systems. - Proficiency with basic automated underwriting systems. Travel Requirements: No travel will be required, unless at the client's discretion. Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be provided to qualified applicants or candidates with disabilities upon request to enable them to perform essential functions. This role may require mobility to attend in-person meetings, sitting or standing for extended periods, and the use of telephone, computer, or other electronic communication devices. Salary Range: SolomonEdwards values your unique and individual experience and background. As such, we take a comprehensive approach when determining compensation for our roles. The compensation for this specific role is based on a wide range of factors, including but not limited to, education, licensure and certifications, location, experience, and training. A reasonable estimate for the current hourly range for this role is $26 - 36. Benefits: We are committed to providing health and financial stability by offering a comprehensive suite of benefits. Benefits include access to top-tier employers and job opportunities, health insurance, sick leave, and 401(k). Inclusion and Diversity Statement: SolomonEdwards is an Equal Opportunity/Affirmative Action employer. We firmly believe in fostering an inclusive and diverse workplace environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, veteran status, or any other characteristic protected by applicable laws. All employees, including managers and supervisors, are responsible for upholding our EEO and diversity principles. Discrimination or harassment of any kind will not be tolerated. We value the contribution and wisdom of the team. At SolomonEdwards, we have built a vibrant and inclusive community. Our team members are curious, committed, and diverse. In keeping with our mission to build value through people, we cultivate a culture where differences are celebrated, and all members are treated fairly and equitably. Employees, business partners, and our extended stakeholder family are empowered to share their experiences, ideas, and perspectives; and to be their whole selves. Privacy: We adhere to the California Consumer Privacy Act (CCPA). Your privacy is important to us, and we never sell your data to third parties. Personal information is only collected to match applicants with job opportunities. Copy/paste this URL to learn more about your rights: SolomonEdwards' Privacy Policy. Our Recruiter Promise: Our talent acquisition team prioritizes integrity, professionalism, and transparency in every interaction. When you engage with SolomonEdwards, you can trust a respectful, secure experience from verified contacts. Copy/paste this URL to learn more about how we protect your candidate experience: Recruiter Promise. Job Ref: 141866 ### Place of Work On-site ### Requisition ID 141866 ### Application Email ****************************

Develops and manages independent agency relationships including the development of new business and retention of existing business in greater Indianapolis, IN. Reviews, analyzes, approves or rejects complex business within letter of authority. Serve as liaison with company personnel regarding company business opportunities and problem resolution. Responsible for assisting in establishing the territory's or region's overall agency plan. RESPONSIBILITIES/TASKS: Calculates, prepares and develops premium quotations using corporate underwriting guidelines within letter of authority. Determines underwriting eligibility for prospective policyholders and develops appropriate pricing for new business, renewals, and endorsements. Analyzes and reviews prospective accounts for insurability and accepts or rejects within letter of authority. Develops and manages agency relationships. Develops agency plans in cooperation with other staff. Addresses agents' and policyholders' concerns/needs. Responsible for development of new business, profitability and retention of existing business in a given territory or region. Explains and emphasizes benefit of workers' compensation insurance products and services to customers. Works with all internal departments to resolve problems and maintain company relations. Participates as necessary on special committees and task forces. Interprets and develops territory reports which reflect the status of the territory. Participates in promotional plans for both company and agent activities. Analyzes and reviews production and loss information for agents, determines exposure and proper pricing to develop corrective action plans as needed to correct poor performance. Prepares periodic reports as requested. Manages small territory or region under close supervision. Research and coordinates responses to agents, policyholders and regulatory entities. Appoints and trains new agents and new agency employees on the use of company specific automation systems. Reviews loss trends and develops action plans to correct problem areas. Gathers competitive and product information from the field. Represents company at trade associations and exhibits to promote corporate product. Conducts annual agency audits. Provides training sessions for team, other Business Development Consultants, other business units, agents and policyholders as required. Mentors other team members by providing guidance, advice, encouragement, and motivation employees in their daily efforts. Serves as technical expert or regional advisor for region or territory. This position description identifies the responsibilities and tasks typically associated with the performance of the position. Other relevant essential functions may be required. EDUCATION AND EXPERIENCE Relevant combination of education and experience may be considered in lieu of degree. Bachelor's degree in marketing, insurance or related field. MBA or other advanced degree is preferred. Certification, or progress toward, highly preferred and encouraged. MBA or other advanced degree is preferred. A minimum of seven to ten years' experience in an insurance organization with demonstrated technical knowledge in one or more of the following areas: underwriting, marketing, loss prevention, auditing or similar knowledge that provide the necessary skills and abilities. Continuous learning required, as defined by the Company's learning philosophy. Workers' Compensation experience required. Management experience preferred. OTHER SKILLS AND ABILITIES Demonstrated superior judgment in evaluating and determining the proper pricing for prospective policyholders using corporate underwriting guidelines by accepting or rejecting risks for the purposes of issuing workers' compensation insurance coverage. Demonstrated superior judgment and analytical abilities to analyze regions and/or territories and identify corrective action. Thorough knowledge of departmental procedures, processes and workflow. Extensive knowledge of appropriate jurisdictional workers' compensation laws, regulatory authorities, industry trends and their impact. Ability to take a lead role and/or assist in training and mentoring of others. Ability to understand business needs and conceptualize and implement processes and procedures that support business strategies. Ability to research workers compensation laws, regulations or issues specific, in order to offer guidance and/or direction to others. Ability to train and mentor others. Demonstrated ability to communicate our value proposition as a carrier. Demonstrated leadership abilities. Demonstrated expertise regarding territory or region. Expert knowledge of workers compensation insurance and underwriting techniques. Demonstrated expertise in Risk Management techniques, strategies and market segment nuances. Ability to effectively communicate and formally present programs and concepts to high level contacts from agents, brokers and risk management customers. Ability to take a lead role on Risk Management new business acquisition and renewal retention strategies. Ability to understand customers' business needs and customize pricing and services strategies accordingly while also achieving Enterprise profitability goals. Knowledge of claims and loss control concepts, including impact of treatment of Allocated Loss Adjustment Expense and market differentiators. Knowledge of insurance operations including state jurisdictional requirements. In-depth knowledge of various rating plans and pricing mechanisms (retro's, retention plans, large deductibles). Demonstrated superior judgment in evaluating and determining the proper pricing for prospective policyholders using Enterprise underwriting guidelines. Extensive knowledge of appropriate jurisdictional workers' compensation laws, regulatory authorities, industry trends and their impact. Ability to understand business needs and conceptualize and implement processes and procedures that support business strategies. Ability to train and mentor others. Demonstrated leadership abilities. ADDITIONAL INFORMATION The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified. This job description does not constitute a contract for employment. WORKING CONDITIONS: Work is performed in a virtual office setting with no unusual hazards. Market, event, and corporate travel required. Drivers license required. Pay Range Actual compensation decision relies on the consideration of internal equity, candidate's skills and professional experience, geographic location, market and other potential factors. It is not standard practice for an offer to be at or near the top of the range, and therefore a reasonable estimate for this role is between $107,000 and $138,050 (P4C). We are an Equal Opportunity Employer. We will not tolerate discrimination or harassment in any form. Candidates for the position stated above are hired on an "at will" basis. Nothing herein is intended to create a contract. #LI-TM1 #UWIC

**General information** **Ref #** 21101 **Remote?** No **Ally and Your Career** * Ally Financial only succeeds when its people do - and that's more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You're constantly evolving, so shouldn't your opportunities be, too? **The Opportunity** Evaluates risks according to location, physical and moral hazards, underwriting guidelines and loss experience in order to accept, decline or modify submission. Also, evaluates information received concerning risk characteristics, inspection reports, producer information, etc. May review loss experience of individual accounts and assigned territory. **The Work Itself** * Serves as a consultant to Producers, customer service, and claims personnel, as required. * Works closely with internal Producers to place insurance coverage within Ally's DOL program(s). * Submits complex or unusual risks or exposures, and risks exceeding one's underwriting authority level to appropriate parties for approval. * May be assigned accounts or territories deemed to be more complex or have a catastrophic risk profile. * Perform technical tasks and analysis required to support ongoing business operations. * Articulate and present account's risk analysis and underwriting recommendations as needed. May collaborate with multiple teams to develop specialized proposals. **The Skills You Bring** * 2+ years of underwriting experience required, with a preferred focus on physical damage insurance underwriting. * Prior leadership experience is preferred. * Bachelor's degree required, but 3+ years of applicable experience can be used in lieu of education. * Advanced knowledge of Microsoft Office Programs required * Advanced knowledge in excel is required, i.e. x look ups, v look ups, pivot tables, and if formulas \#LI-Hybrid \#DFS **How We'll Have Your Back** * Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Ally's total compensation - or total rewards - extends beyond your paycheck and is designed to support and enrich your personal and professional life, including: * Time Away: competitive holiday and flexible paid-time-off, including time off for volunteering and voting. * Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan and 529 educational assistance programs, tuition reimbursement, and other financial well-being programs. * Supporting your Health & Well-being: flexible health and insurance options including dental and vision, pre-tax Health Savings Account with employer contributions and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially. * Building a Family: adoption, surrogacy, and fertility support as well as parental and caregiver leave, back-up child and adult/elder day care program and childcare discounts. * Work-Life Integration: other benefits including LifeMatters Employee Assistance Program, subsidized and discounted Weight Watchers program and other employee discount programs. Who We Are: Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit ************* Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law. Where permitted by applicable law, must have received or be willing to receive the COVID-19 vaccine by date of hire to be considered, if not currently employed by Ally. We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at *************. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation. **_Base Pay Range:_** An individual's position in the range is determined by the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer. **Emerging:** 55000 **Experienced:** 67500 **Expert:** 80000 Incentive Compensation: This position is eligible to participate in our annual incentive plan

If you are an internal associate, please login to Workday and apply through My Career. Job Purpose The Underwriter determines appropriate risk classification for policies based on collection of data, detailed research, and sound judgment using company underwriting criteria and philosophy. The Underwriter reviews cases and determines necessary medical, non-medical, and compliance requirements. This individual provides information about the underwriting process to producers and customers and assists in the review of contestable claims, foreign death claims, and non-natural deaths for Accidental Death Benefit Claims. Essential Responsibilities Reviews insurance reinstatement/reissue applications and documentation to evaluate the eligibility of each applicant in accordance with company guidelines and standards. Determines necessary medical, non-medical, and some regulatory and compliance requirements. Escalates applications to Compliance when further review or referral is necessary. Determines appropriate risk classification based on detailed research, collection of data, and sound judgment using underwriting criteria and philosophy. Makes sound risk selections to protect the company and satisfy customer expectations. Assesses the need for additional information or for referral to a Sr Underwriter for opinion or recommendation. Advises the producer, agent, or customers about the rationale for underwriting decisions, including adverse ones. Assists the producer or agent when there is a request or need for information relating to any aspect of the underwriting process. Assists customers, producers, and internal associates with complex underwriting service issues. Has approval authority for $250,000 Standard through $2.5 million all rates. Participates in review of contestable claims to identify underwriting process improvements and consult on the overall outcome of the claim. Participates in the investigation of complex life and annuity claims and compiles records to make sound settlement decisions. Reviews foreign death claims to determine good order and the business's ability to settle the claim. Reviews life claims where the manner of death is anything other than natural for determination of Accidental Death Benefit proceeds payable. Reviews and decides qualification for payment under Claims Living Benefits. Performs basic clerical duties required to support the underwriting process. Other Duties Performs project and committee work as assigned. Interprets normal electrocardiograms (ECG/EKG). Identifies and orchestrates updates to the Life Underwriting Guide. Performs other duties and/or projects as assigned. Knowledge, Skills and Abilities Strong verbal and written communication skills. Intermediate knowledge of underwriting risk assessment, research, medical terminology, and treatments. Demonstrated ability to exercise good judgment in the application of underwriting techniques. Ability to communicate underwriting decisions clearly and concisely. Strong product knowledge. Solid analytical and problem-solving skills. Solid organization and prioritization skills. Ability to work well under pressure. Strong customer service skills. Proficient in Microsoft Office applications and other relevant department software. Ability to work independently and as part of a team. Qualifications Bachelor's Degree required. 3+ years of life underwriting experience required. Jackson is proud to be an equal opportunity workplace. The Company subscribes to and endorses federal and state laws and regulations relating to equal employment opportunity for all persons without regard to race, color, religion, gender, age, national origin, legally-recognized disability, marital status, legally-protected medical condition, citizenship, ancestry, height, weight, sexual orientation, veteran status, or any other factor not related to the needs of the job. The Company is committed to a policy of equal opportunity. Company facilities and campuses are tobacco-free environments.

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

We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, you could have the flexibility of work-from-home time as defined by the leadership team. Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company's underwriter training program for the assigned line of insurance and requires the person to: Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment Analyze loss experience, financial conditions and physical characteristics of risks Acquire a working knowledge of supporting sections of the underwriting department Effectively communicate with independent agents and other associates through verbal and/or written means Participate in and successfully complete the Company underwriter training program Desired Skills & Experience Bachelor's degree or direct equivalent experience with property/casualty underwriting Ability to organize data, multi-task and make decisions independently Above average communication skills (written and verbal) Ability to write reports and compose correspondence Ability to resolve complex issues Continually develop product knowledge through participation in approved educational programs Benefits Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you! Equal Employment Opportunity Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law. *Please note that the ability to work in the U.S. without current or future sponsorship is a requirement. #LI-DNP #LI-Hybrid #IN-DNI

Exempt - Grade Level 6 Equal Employment Opportunity Corporate Values & Mission "Provide superior service, quality advice and show utmost respect to everyone we meet." Review and analyze all types of credit and collateral information for diverse types of loans, including ascertaining an appropriate loan rating. Prepare and occasionally present annual loan reviews for approval to various committees. Coordinate and prepare individual authority loan reviews. Review appraisals and complete property evaluations. Prepare and compile various key management reports. Reports To: AVP Loan Review Supervisor Essential Duties and Responsibilities * Evaluate the activities of lending officers, credit, and loan support staff regarding adherence to internal credit and loan policy. * Manage and perform annual credit reviews on commercial loan relationships, to include review of all pertinent credit & financial information, such as credit bureaus, UCC & title searches, various financial statements, the loan files to include both credit & collateral, and provide credit analysis and assign grading to same. * Assess the adequacy adherence to internal credit and loan administration policies and procedures. * Coordinate Appraisal/Environmental Order and Review processes and complete Reviews as assigned and in accordance with guidelines. * Provide special reviews as requested to assess the state of certain loan portfolio segments. * Input financial statement spreads using Flash Spread. * Analyze, interpret or make deductions from factors or circumstances related to the department and role. * Analyze, interpret or make deductions from factors or circumstances related to the essential duties of the position. Qualifications To perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability required. Experience and/or Education * Bachelor's Degree or equivalent * Minimum three (3) of review experience; or equivalent combination of education and experience * Computer knowledge - Windows, Microsoft Office * Working knowledge of Banking Competencies In addition to the Corporate Core Competencies, individuals in this position are expected to have the following skills: Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings. Writes clearly and informatively. Analytical - Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data. Adaptability - Adapts to changes in work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays or unexpected events. Initiative - Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed. Technical Skills - Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures. Judgment - Displays willingness to make decisions; exhibits sound and accurate judgement; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions. Business Acumen - Understands business implications of decisions; displays orientation to profitability; demonstrates knowledge of market and competition; aligns work with strategic goals. Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodation.

Mortgage Junior Underwriter All Dart Bank team members take 100% ownership of their positions. They are proactive, flexible, courteous and resourceful. They have a "how can we make this work" mindset. They are innovative and creative in meeting the needs of their position and in offering ideas and solutions that will be of benefit. They are excellent at prioritization and organization to insure maximum customer satisfaction. Underwriters are self-sufficient, confident and accurate decision makers. They have the ability to work both independently and cohesively with others and foster a team environment. The focus of an underwriter is to provide sound risk evaluation of mortgage applications while always putting the client first. Maintaining an attitude of approachability and willingness to assist in troubleshooting with processors and Mortgage bankers is essential. They thrive in our ever-changing environment. The take great pride in contributing to Dart Bank being an industry leader in our markets Primary Duties: * Meet or exceed current production standards for a Junior Underwriter * Review new file submissions and ensure accuracy in data and documentation. * Review credit worthiness, assets, income, sale contracts, appraisal, title and supporting documents in accordance with agency and/or investor guidelines. * Underwriting assignments daily to allocate work flow among underwriting team. * Prioritize workflow to meet deadlines. * Maintain or exceed established timeframes for workflow. * Maintain spreadsheets for LTC file submission quality and completeness. * Tracking of rush files for re-submissions to provide feedback to Processing manager. * Suspense file management to ensure timely actions taken on suspended loans. * Work closely with Underwriters, loan transaction coordinators and processors to find solutions as needed. * Perform due diligence on all borrowers, their employment and subject property and investigate loan file for any fraudulent activity. * Pre-Underwrite all modification files and review for follow up submissions and final CTC. * Assist post-closing with any additional documentation or clarification required by investor at purchase. * Actively participate and advocate the bank's training and development programs and commitment to learning. * Excellent verbal and written communication skills with the ability to handle delicate situations with diplomacy and tact. * Adaptability and Candor: You will be working with some of the newest technology in the mortgage industry. As it evolves, we will ask you for your feedback to improve our products. * Maintains strong knowledge and understanding of Agency and Investor requirements along with compliance issues. * Responsible for following company policies and procedures as directed. Never employ workarounds to procedures or policies * Be relentlessly resourceful in finding answers. * All other duties as assigned. * Adheres to all Federal and State laws and regulations, including the Bank Secrecy Act. Essential Functions: * Use of hands * Vision * Communicate verbally Skills: * Oral Communication Skills * Written Communication Skills * Customer Relations * Organization * Time Management * Computer literacy Education/Training: College Degree preferred Experience: 3 to 5 years of prior mortgage loan processing experience including experience with web based automated underwriting systems, loan origination systems and working with correspondent lenders preferred. Reports to: Mortgage Loan Manager

Exempt - Grade Level 6 Equal Employment Opportunity Corporate Values & Mission “Provide superior service, quality advice and show utmost respect to everyone we meet.” Review and analyze all types of credit and collateral information for diverse types of loans, including ascertaining an appropriate loan rating. Prepare and occasionally present annual loan reviews for approval to various committees. Coordinate and prepare individual authority loan reviews. Review appraisals and complete property evaluations. Prepare and compile various key management reports. Reports To: AVP Loan Review Supervisor Essential Duties and Responsibilities Evaluate the activities of lending officers, credit, and loan support staff regarding adherence to internal credit and loan policy. Manage and perform annual credit reviews on commercial loan relationships, to include review of all pertinent credit & financial information, such as credit bureaus, UCC & title searches, various financial statements, the loan files to include both credit & collateral, and provide credit analysis and assign grading to same. Assess the adequacy adherence to internal credit and loan administration policies and procedures. Coordinate Appraisal/Environmental Order and Review processes and complete Reviews as assigned and in accordance with guidelines. Provide special reviews as requested to assess the state of certain loan portfolio segments. Input financial statement spreads using Flash Spread. Analyze, interpret or make deductions from factors or circumstances related to the department and role. Analyze, interpret or make deductions from factors or circumstances related to the essential duties of the position. Qualifications To perform this job successfully, an Individual in this position must be able to perform each of the above essential duties satisfactorily and exhibit the values of the Company. In addition, the requirements listed below are representative of the knowledge, skill and/or ability required. Experience and/or Education Bachelor's Degree or equivalent Minimum three (3) of review experience; or equivalent combination of education and experience Computer knowledge - Windows, Microsoft Office Working knowledge of Banking Competencies In addition to the Corporate Core Competencies, individuals in this position are expected to have the following skills: Communication - Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions; demonstrates group presentation skills; participates in meetings. Writes clearly and informatively. Analytical - Synthesizes complex and diverse information; collects and researches data; uses intuition and experience to complement data. Adaptability - Adapts to changes in work environment; manages competing demands; changes approach or method to best fit the situation; able to deal with frequent change, delays or unexpected events. Initiative - Undertakes self-development activities; takes independent actions and calculated risks; looks for and takes advantage of opportunities; asks for and offers help when needed. Technical Skills - Assesses own strengths and weaknesses; pursues training and development opportunities; strives to continuously build knowledge and skills; shares expertise with others. Has a thorough understanding of underwriting, coverages and rating procedures. Judgment - Displays willingness to make decisions; exhibits sound and accurate judgement; supports and explains reasoning for decisions; includes appropriate people in decision-making process. Makes timely decisions. Business Acumen - Understands business implications of decisions; displays orientation to profitability; demonstrates knowledge of market and competition; aligns work with strategic goals. Physical Demands and Work Environment Ability to work in an office environment which may include many hours of computer and telephone usage. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. This position description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. Employees may be required to perform any other job-related instructions as requested by their supervisor, subject to reasonable accommodation.

Develops and manages independent agency relationships including the development of new business and retention of existing business in greater Indianapolis, IN. Reviews, analyzes, approves or rejects complex business within letter of authority. Serve as liaison with company personnel regarding company business opportunities and problem resolution. Responsible for assisting in establishing the territory's or region's overall agency plan. RESPONSIBILITIES/TASKS: Calculates, prepares and develops premium quotations using corporate underwriting guidelines within letter of authority. Determines underwriting eligibility for prospective policyholders and develops appropriate pricing for new business, renewals, and endorsements. Analyzes and reviews prospective accounts for insurability and accepts or rejects within letter of authority. Develops and manages agency relationships. Develops agency plans in cooperation with other staff. Addresses agents' and policyholders' concerns/needs. Responsible for development of new business, profitability and retention of existing business in a given territory or region. Explains and emphasizes benefit of workers' compensation insurance products and services to customers. Works with all internal departments to resolve problems and maintain company relations. Participates as necessary on special committees and task forces. Interprets and develops territory reports which reflect the status of the territory. Participates in promotional plans for both company and agent activities. Analyzes and reviews production and loss information for agents, determines exposure and proper pricing to develop corrective action plans as needed to correct poor performance. Prepares periodic reports as requested. Manages small territory or region under close supervision. Research and coordinates responses to agents, policyholders and regulatory entities. Appoints and trains new agents and new agency employees on the use of company specific automation systems. Reviews loss trends and develops action plans to correct problem areas. Gathers competitive and product information from the field. Represents company at trade associations and exhibits to promote corporate product. Conducts annual agency audits. Provides training sessions for team, other Business Development Consultants, other business units, agents and policyholders as required. Mentors other team members by providing guidance, advice, encouragement, and motivation employees in their daily efforts. Serves as technical expert or regional advisor for region or territory. This position description identifies the responsibilities and tasks typically associated with the performance of the position. Other relevant essential functions may be required. EDUCATION AND EXPERIENCE Relevant combination of education and experience may be considered in lieu of degree. Bachelor's degree in marketing, insurance or related field. MBA or other advanced degree is preferred. Certification, or progress toward, highly preferred and encouraged. MBA or other advanced degree is preferred. A minimum of seven to ten years' experience in an insurance organization with demonstrated technical knowledge in one or more of the following areas: underwriting, marketing, loss prevention, auditing or similar knowledge that provide the necessary skills and abilities. Continuous learning required, as defined by the Company's learning philosophy. Workers' Compensation experience required. Management experience preferred. OTHER SKILLS AND ABILITIES Demonstrated superior judgment in evaluating and determining the proper pricing for prospective policyholders using corporate underwriting guidelines by accepting or rejecting risks for the purposes of issuing workers' compensation insurance coverage. Demonstrated superior judgment and analytical abilities to analyze regions and/or territories and identify corrective action. Thorough knowledge of departmental procedures, processes and workflow. Extensive knowledge of appropriate jurisdictional workers' compensation laws, regulatory authorities, industry trends and their impact. Ability to take a lead role and/or assist in training and mentoring of others. Ability to understand business needs and conceptualize and implement processes and procedures that support business strategies. Ability to research workers compensation laws, regulations or issues specific, in order to offer guidance and/or direction to others. Ability to train and mentor others. Demonstrated ability to communicate our value proposition as a carrier. Demonstrated leadership abilities. Demonstrated expertise regarding territory or region. Expert knowledge of workers compensation insurance and underwriting techniques. Demonstrated expertise in Risk Management techniques, strategies and market segment nuances. Ability to effectively communicate and formally present programs and concepts to high level contacts from agents, brokers and risk management customers. Ability to take a lead role on Risk Management new business acquisition and renewal retention strategies. Ability to understand customers' business needs and customize pricing and services strategies accordingly while also achieving Enterprise profitability goals. Knowledge of claims and loss control concepts, including impact of treatment of Allocated Loss Adjustment Expense and market differentiators. Knowledge of insurance operations including state jurisdictional requirements. In-depth knowledge of various rating plans and pricing mechanisms (retro's, retention plans, large deductibles). Demonstrated superior judgment in evaluating and determining the proper pricing for prospective policyholders using Enterprise underwriting guidelines. Extensive knowledge of appropriate jurisdictional workers' compensation laws, regulatory authorities, industry trends and their impact. Ability to understand business needs and conceptualize and implement processes and procedures that support business strategies. Ability to train and mentor others. Demonstrated leadership abilities. ADDITIONAL INFORMATION The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified. This job description does not constitute a contract for employment. WORKING CONDITIONS: Work is performed in a virtual office setting with no unusual hazards. Market, event, and corporate travel required. Drivers license required. Pay Range Actual compensation decision relies on the consideration of internal equity, candidate's skills and professional experience, geographic location, market and other potential factors. It is not standard practice for an offer to be at or near the top of the range, and therefore a reasonable estimate for this role is between $107,000 and $138,050 (P4C). We are an Equal Opportunity Employer. We will not tolerate discrimination or harassment in any form. Candidates for the position stated above are hired on an "at will" basis. Nothing herein is intended to create a contract. #LI-TM1 #UWIC

The Doctors Company has an opportunity for a Senior Underwriter to be part of our Region II team. This is a hybrid opportunity at our office in East Lansing, MI, or Mechanicsburg, PA. Mission Reporting to the Director of Underwriting, you will act within underwriting guideline and authority granted, appropriately apply underwriting principals and demonstrate sound judgment in the production, selection, pricing, control and servicing of assigned business. You will have the opportunity to assist management in training of other underwriting staff. You will interact with employees, company managers, policyholders, agents, patient safety, claims and legal professionals, and members of the general public. Ability to travel as needed. Qualifications INS, RPLU or CPCU designation, or progress in obtaining such designation, is preferred. Associate's degree (2 years college) or equivalent, is preferred. Five (5) years Medical Professional or commercial insurance; financial services or mathematical analysis experience may be considered. Three (3) years use of Microsoft products, including Word and Excel. Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. Ability to solve practical problems and deal with a variety of set variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Excellent oral and written communication skills. Excellent knowledge of underwriting guidelines and rating rules, policy forms, procedures and supporting administrative functions. Proficiency in using both objective and subjective thought processes in performing job duties. Proficiency in managing own workflow, prioritizing multiple work assignments and resolving questions and problems with management and peers. Ability to work with diverse personalities. Ability to create letters, memos and spreadsheets using Microsoft Word and Excel. Ability to run and interpret reports from various software platforms. Ability to travel and adapt to a flexible work schedule. Responsibilities Revenue Growth and Profitability Management Compiles and interprets data for evaluation of assigned book of business. As requested by management, participates in state rate and competitive analysis functions, including state pricing meetings; makes recommendations to management based on knowledge of assigned business venue. During their manager's absence, or as delegated, may attend other internal or external business meetings. Determines pricing for assigned new and renewal business, endorsements and other related transactions. Ensures pricing is in compliance with state filings and underwriting guidelines and reflects risk exposure, loss history, practice profile and any other factors that may impact risk assessment. Underwriting Discipline Analyzes new business submissions, renewal applications, and policy change requests, as assigned, and recommends appropriate underwriting action based on factors including but not limited to risk exposure, loss history and practice profile. With management guidance, gains exposure to and begins to develop underwriting expertise with more complex standard, national, PAR and/or custom accounts. Maintains account analysis and all related underwriting documentation in on-line policy and billing folders and ensures the contents of those on-line policy and billing folders meet department standards. Assists management in the training of less experienced underwriting staff. Instructs in-house training programs or classes as requested or assigned. Customer Satisfaction Responds to, and effectively handles questions or complaints from agents, Members, or others in maintaining and providing best imaginable service to assigned business. Develops and maintains a positive working relationship with co-workers, peers, key agents, and other business contacts including company personnel or management in key departments such as Actuarial, Claims, Finance, Regulatory Compliance and Patient Safety. Participates in projects, training sessions, agency and/or client visits, business development, marketing, claims, or patient safety functions and other similar events, and attends conventions on behalf of the Underwriting Department, as required or requested Personal Development Works with manager to identify, and achieve, annual and personal development goals. Completes training and maintains proficiency in key underwriting skills. Maintains proficiency in underwriting systems. Develops knowledge of new and emerging underwriting skills and theories through continuing education and training. Builds knowledge of competitors and stays current with changes or advancements in healthcare delivery. Other Duties As Assigned Works on various projects and assignments made by the Underwriting Manager. Participates actively and provides updates to management on assigned projects within given deadlines. Salary Range: $89,000 - $118,989 Compensation varies based on skills, knowledge, and education. We consider factors such as specialized skills, depth of knowledge in the field, and educational background to ensure fair and competitive pay. Benefits We offer competitive compensation, incentive bonus plans, outstanding career opportunities, an exceptional work environment, and an impressive benefits package, which starts with medical, family and bereavement leave; same-sex domestic partner benefits; short- and long-term disability programs; and an employee assistance program. There's more: Health, dental, and vision insurance Health care tax-free spending accounts with a company match 401(k) and Roth IRA with company match, as well as catch-up plans for both Vacation days, sick days, and paid personal days each calendar year (with vacation increases based on length of service) Paid holidays each calendar year Life and travel insurance Tax-free commuter benefits In-person and online learning opportunities Cross-function career opportunities Business casual work environment Time off to volunteer Matching donations to qualifying nonprofit organizations Company-sponsored participation at non-profit events About The Doctors Company The Doctors Company is the nation's largest physician-owned medical malpractice insurer. Founded and led by physicians, we are committed to advancing, protecting, and rewarding the practice of good medicine. The Doctors Company is proud to be Certified™ by Great Place to Work .