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 $77,010 - $104,190. 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!

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.

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

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.

Introduction At RPS, we don't just embrace bold ideas, we make them happen. We're a team of entrepreneurs, big-picture thinkers, and passionate experts who thrive on possibility. Every day, we collaborate across teams, challenge convention, and push boundaries to design innovative solutions for our clients. With access to top-rated carriers and a dynamic marketplace, we bring strategy and creativity together to deliver what others might call impossible. Here, every voice counts, every perspective matters, and every challenge is an opportunity to grow. You'll be supported by a culture that celebrates ownership, curiosity, and high performance, where you're trusted to do your best work and encouraged to keep learning along the way. Overview Risk Placement Services is one of the nation's largest specialty insurance products distributors. We work with top-rated carriers to design comprehensive coverage for our clients. Our employees are fueled by a culture built around teamwork, creativity and responsiveness. RPS Regency has been a leader in the formation and administration of self insured group (SIG) funds for over 30 years and currently administers 8 Michigan specific SIG funds. As a Group Fund Field Underwriter, you're on an underwriting team that manages both the workers' compensation renewal and new business underwriting. This includes managing incoming applications from a network of independent insurance agents, researching business operations and determining eligibility within underwriting guidelines. The position involves traveling to meet with agents appointed to represent the SIG programs, presentations to prospective clients and attending trade Association events with industry partners. The position interacts regularly with SIG members, prospective members, sales producers, third party claim administrators, excess insurance carriers, loss control engineers and industry trade associations. A successful candidate in this role will excel in establishing strong relationships while utilizing data to properly apply various underwriting standards. The goal of this role is to maintain underwriting profitability while generating new business and growth opportunities. How you'll make an impact * Apply proper processes and procedures for underwriting new and existing business * Develop relationships with sales producers through superior customer service and a high level of expertise specific to workers' compensation * Monitor and respond to client needs related to loss control, claims management, payroll audits, underwriting and producer relations * Be accountable for company service and production goals About You * Motivated self-starter with the ability to work independently * Excellent communication in areas of presenting and conveying data * Analytical capabilities, including interpreting data and developing underwriting strategies * Strong level of accountability for ensuring processes are followed and deadlines met * Team oriented with willingness to serve various roles when needed * Strong customer service and focus on continuous improvement * Minimum 4 years working in commercial insurance; background in Work Comp a plus * Functional knowledge of Microsoft Word, Excel, Power Point * Ability to visit Agencies and attend related events, a minimum 30% of the time; in-state day trips * Additional insurance industry certifications and designations are a plus #LI-TW1 Compensation and benefits We offer a competitive and comprehensive compensation package. The base salary range represents the anticipated low end and high end of the range for this position. The actual compensation will be influenced by a wide range of factors including, but not limited to previous experience, education, pay market/geography, complexity or scope, specialized skill set, lines of business/practice area, supply/demand, and scheduled hours. On top of a competitive salary, great teams and exciting career opportunities, we also offer a wide range of benefits. Below are the minimum core benefits you'll get, depending on your job level these benefits may improve: * Medical/dental/vision plans, which start from day one! * Life and accident insurance * 401(K) and Roth options * Tax-advantaged accounts (HSA, FSA) * Educational expense reimbursement * Paid parental leave Other benefits include: * Digital mental health services (Talkspace) * Flexible work hours (availability varies by office and job function) * Training programs * Gallagher Thrive program - elevating your health through challenges, workshops and digital fitness programs for your overall wellbeing * Charitable matching gift program * And more... The benefits summary above applies to fulltime positions. If you are not applying for a fulltime position, details about benefits will be provided during the selection process. We value inclusion and diversity Click Here to review our U.S. Eligibility Requirements Inclusion and diversity (I&D) is a core part of our business, and it's embedded into the fabric of our organization. For more than 95 years, Gallagher has led with a commitment to sustainability and to support the communities where we live and work. Gallagher embraces our employees' diverse identities, experiences and talents, allowing us to better serve our clients and communities. We see inclusion as a conscious commitment and diversity as a vital strength. By embracing diversity in all its forms, we live out The Gallagher Way to its fullest. Gallagher believes that all persons are entitled to equal employment opportunity and prohibits any form of discrimination by its managers, employees, vendors or customers based on race, color, religion, creed, gender (including pregnancy status), sexual orientation, gender identity (which includes transgender and other gender non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or military status, citizenship status, or any other characteristic protected (herein referred to as "protected characteristics") by applicable federal, state, or local laws. Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. In addition, Gallagher will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.

**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

Who are we? Michigan Millers Mutual Insurance Company, an affiliate of Western National Mutual Insurance, is a mutual insurance company, rated A (Excellent) by A.M. Best, with over 140 years of experience serving policyholders' property-and-casualty insurance needs across multiple regions in the United States. We believe in striving for growth without sacrifice and know that our culture creates and cultivates happy and dedicated employees, which we believe gives us the ability to deliver the highest level of customer service. The core values for Michigan Millers and Western National Insurance, Connectiveness - Accountability - Empowerment are incorporated into all that we do. Our workplace culture encourages employees to seek out learning opportunities and to strive for growth and development in the insurance industry. We understand the importance of a positive work community and a healthy workplace environment when striving for organizational success. Our emphasis on internal growth and maintaining healthy team relationships translates into external growth and building sustainable customer relationships. Does this opportunity interest you? Michigan Millers Mutual Insurance Company is seeking a Commercial Lines Underwriter to join our team! The individual in this role will have the opportunity to develop a book of business by writing and retaining commercial lines accounts through assigned agencies. What are the responsibilities and opportunities of this role? * Builds and maintains strong agency relationships. * Effectively manages an agency territory to achieve established growth and profit goals. * Assesses risk and exposures on new and existing business to identify opportunities to maximize assigned territory loss ratio and growth objectives. * Uses established practices, processes, procedures, and underwriting authority level to analyze the operations and exposures of different types of risks to write, renew, or modify business. * Uses research and analysis to develop practical underwriting solutions aligned with organizational objectives. * Applies knowledge of coverage, forms, symbols, and endorsements per line of business. * Applies knowledge of rating. * Writes new business as defined by annual goals determined by the department. * Identifies opportunities to improve the efficiency and effectiveness of applications and business processes. * Consistently acts according to our customer experience standards, including responding quickly, maintaining a positive attitude, building rapport, demonstrating empathy, managing the customer's expectations, using the proper communication channel for the situation, and taking ownership to ensure the customer's issue is resolved. Requirements What are the must-have qualifications for a candidate? * Demonstrated time management skills with ability to meet deadlines. * Strong negotiation and relationship-building skills. * Ability to exercise sound business judgment. * Proficient use of various core systems, office and computer equipment, and software packages. What will our ideal candidate have? * Demonstrated intermediate organizational and prioritization skills with ability to accomplish multiple priorities. * Demonstrated understanding of industry practices, standards, and underwriting concepts. * Demonstrated ability to communicate clearly and effectively both verbally and in writing. * Bachelor's degree preferred, experience in commercial lines underwriting in lieu of degree acceptable. * Two-plus years' experience in an underwriting role preferred. Compensation overview The targeted hiring range for this role is $55,100 - $106,000, annually. However, the base pay offered may vary depending on the job-related knowledge, skills, credentials, and experience of each candidate, as well as other factors such as the scope and location of the role. Candidates looking for compensation outside of the posted range are encouraged to apply and will be considered based on their individual qualifications and / or may be considered for other positions. Michigan Millers Mutual Insurance Company reserves the right to fill this position at a level above or below the level included in this posting. Culture and Total Rewards We offer full-time employees a significant Total Rewards Package, including: * Medical insurance options and other standard employee benefits, including dental insurance, vision benefits, life insurance, and more! * Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) * 401(k) Plan (plus company match) * Time Off - including vacation, volunteer, and holiday pay * Paid Parental Leave * Bonus opportunities * Tuition assistance * Wellness Program - including an onsite fitness studio Michigan Millers and Western National Insurance believe in supporting the balance between work and life by providing a flexible work environment, which includes a variety of hybrid work arrangements designed to balance individual, job, department, and company needs. Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time. Michigan Millers provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.

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

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.

The Business Banking Underwriter IV is responsible for underwriting Business Banking loans to determine credit worthiness and compliance with Bank lending policy. Duties and Responsibilities: * Supports Business Banking production by maintaining an individual pipeline of work. * Reviews all financial and credit application information to make sound credit decisions. Loans would typically include those with most complex credit structures and customer exposure up to $10MM. * Utilizes single approval authority up to $4MM. * Appropriately assess risk profile of borrower. * Assist with training and mentoring new hires as well as providing support for the UWI, UW II & UW III job families as needed. * Tasks as needed to support the line of business and job family. * Act as primary back up for their manager as needed for team huddles & meetings. * Is positioned with knowledge and expertise to represent direct manager outside of function group as needed. * Collaborate with both credit and segment risk to meet or exceed department goals. * Performs other duties as assigned. Basic Qualifications: * Bachelor's degree * 7+years' experience with business or commercial underwriting in a centralized lending environment Preferred Qualifications: * Bachelor's degree in business related field * 3-4 years leadership / management experience * Ability to underwrite credit exposures in excess of $4MM. * Previous authority to underwrite and decision credits without additional signers. * Demonstrates confidence, assertiveness, professionalism, and ability to interact with all levels within the organization in a professional manner. * Proficient use of Microsoft Office and other internet resources * Excellence in customer service, highly motivated, focused and goal oriented. * Excellent written and verbal communication skills, including grammar and demeanor. * Strong organizational skills with attention to detail, planning and follow-up. * Ability to work independently on multiple tasks without compromising quality. * Ability to determine and make necessary changes without oversight within their functional team to better the unit as a whole. Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay) Yes Workplace Type: Office Our Approach to Office Workplace Type Certain positions outside our branch network may be eligible for a flexible work arrangement. We're combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team. Compensation Range: The compensation range represents the low and high end of the base compensation range for this position. Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan. In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO). Huntington is an Equal Opportunity Employer. Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details. Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.

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.

OBJECTIVE Senior Commercial Underwriter Objective To underwrite designated commercial lines of insurance. To implement company philosophy and underwriting guidelines in the acceptance, rejection or modification of risks, pricing, classification, hazard recognition, and providing service to policyholders, Farm Bureau Insurance agents and their staff. RESPONSIBILITIES Senior Commercial Underwriter Responsibilities Evaluate, examine and/or physically survey risks submitted for coverage by Farm Bureau Insurance agents. Accept, modify or reject risks based upon all relevant information available, including guidelines, directives, inspections and claims information. Properly classify and rate risks, verify coverage amounts, and develop appropriate premium. Work with Farm Bureau Insurance agents, and in some cases insureds, to determine exposure and appropriate coverages. Monitor exposure of individual risks by the review of pictures, inspections, claims, consumer reports, renewal surveys, audits and communications with Farm Bureau Insurance agents. QUALIFICATIONS Senior Commercial Underwriter Qualifications Required: Bachelor's degree required, or equivalent experience may be considered. Minimum three years' experience in commercial underwriting or commensurate insurance industry required. Must possess a valid driver license with an acceptable driving record. Associate in Commercial Underwriting (AU) or Associate in Personal Insurance (API) designation required, or equivalent education may be considered. Preferred: Designation in Chartered Property Casualty Underwriter (CPCU) preferred, or actively being pursued. Note: Farm Bureau offers a full benefit package including medical, dental, vision, and 401K. PM19

The Business Banking Underwriter IV is responsible for underwriting Business Banking loans to determine credit worthiness and compliance with Bank lending policy. Duties and Responsibilities: + Supports Business Banking production by maintaining an individual pipeline of work. + Reviews all financial and credit application information to make sound credit decisions. Loans would typically include those with most complex credit structures and customer exposure up to $10MM. + Utilizes single approval authority up to $4MM. + Appropriately assess risk profile of borrower. + Assist with training and mentoring new hires as well as providing support for the UWI, UW II & UW III job families as needed. + Tasks as needed to support the line of business and job family. + Act as primary back up for their manager as needed for team huddles & meetings. + Is positioned with knowledge and expertise to represent direct manager outside of function group as needed. + Collaborate with both credit and segment risk to meet or exceed department goals. + Performs other duties as assigned. Basic Qualifications: + Bachelor's degree + 7+years' experience with business or commercial underwriting in a centralized lending environment Preferred Qualifications: + Bachelor's degree in business related field + 3-4 years leadership / management experience + Ability to underwrite credit exposures in excess of $4MM. + Previous authority to underwrite and decision credits without additional signers. + Demonstrates confidence, assertiveness, professionalism, and ability to interact with all levels within the organization in a professional manner. + Proficient use of Microsoft Office and other internet resources + Excellence in customer service, highly motivated, focused and goal oriented. + Excellent written and verbal communication skills, including grammar and demeanor. + Strong organizational skills with attention to detail, planning and follow-up. + Ability to work independently on multiple tasks without compromising quality. + Ability to determine and make necessary changes without oversight within their functional team to better the unit as a whole. Exempt Status: (Yes = not eligible for overtime pay) (No = eligible for overtime pay) Yes Workplace Type: Office Our Approach to Office Workplace Type Certain positions outside our branch network may be eligible for a flexible work arrangement. We're combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team. Compensation Range: The compensation range represents the low and high end of the base compensation range for this position. Actual compensation will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. Colleagues in this position are also eligible to participate in an applicable incentive compensation plan. In addition, Huntington provides a variety of benefits to colleagues, including health insurance coverage, wellness program, life and disability insurance, retirement savings plan, paid leave programs, paid holidays and paid time off (PTO). Huntington is an Equal Opportunity Employer. Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details. Note to Agency Recruiters: Huntington will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington colleagues, directly or indirectly, will be considered Huntington property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.