Underwriter jobs in Minnetonka, MN

At Northmarq, you can be part of something special. Northmarq is a unique capital markets resource for commercial real estate investors, providing our clients access to experts in debt, equity, investment sales, loan servicing, and fund management. We offer you a career path with best-in-class training, and we foster inclusive teams committed to collaboration, mentoring, and growth. At Northmarq, we will help you unlock your potential - whether you are an industry veteran or you're just getting started. Your new career is waiting. Start something special today. Northmarq was voted by Real Estate Forum as one of The Best Places to Work in Commercial Real Estate! Northmarq is seeking an experienced GSE Assumptions Underwriter to join our Servicing team in our Bloomington office. This position requires a deadline driven, service focused, and detail-oriented individual, who will be responsible for reviewing and processing a portfolio of Fannie Mae and Freddie Mac assumption/transfer requests, with a focus on property financial statement and rent roll analysis, borrower credit analysis, preparation of underwriting packages, Agency and Master Servicer submissions, and mentoring and training others within the department. Focus will be on commercial mortgage risk management and customer service. Additional responsibilities may be added to align with department strategies and objectives. *This position offers a flexible work environment and is available for an immediate start. Responsibilities Review and process a portfolio of Fannie Mae and Freddie Mac assumption/transfer of ownership requests, adhering to Agency guidelines. Serve as the transaction's primary point of contact for the borrower, production teams, and other relevant parties. Manage and communicate transaction expectations and updates to the team's manager, borrower, production managers, and other relevant parties. Prepare assumption/transfer applications, as well as processing checklists and required borrower forms. Review and inventory required due diligence documentation. Examine borrower structures by creating and reviewing organizational charts and documents. Review the sponsor's real estate schedules and financial statements to assess their creditworthiness and financial wherewithal. Prepare underwriting packages including financial modeling, market analysis, borrower credit analysis, and lender risk assessments. Engage and review any required third-party reports (Appraisal, Property Condition Assessment, Environmental, Zoning, and Seismic). Coordinate third-party onsite property inspections, if required. Submit and process assumption/transfer of ownership request to the applicable Agency and/or Master Servicer, with continued follow up and monitoring. Pre-closing and post-closing support, with the preparation of transaction approval letters and final delivery documentation. Assist insurance and closing teams, as needed. Mentor and train the team's GSE Assumptions Analysts or other support staff. Be apprised of changing Agency guidelines, while staying current on multifamily market trends and regulatory developments impacting commercial real estate. Experience Education: Bachelor's Degree, preferably with major in real estate finance, business administration, or accounting. Other Majors will be considered. Work: 4-7 years' experience in asset management or underwriting Fannie Mae and Freddie Mac multifamily transactions, with experience in processing assumptions and transfers of ownership a plus. Proficient in Microsoft Office (Excel, Word, PowerPoint), experience with Adobe, Salesforce, and other database applications (Enterprise!). Skilled in the various Fannie Mae and Freddie Mac multifamily applications (DUS Navigate, MAMP, CRT, DMS, etc.). Extensive knowledge of Agency guidelines and loan documents. Demonstrated Competencies: Exceptional organizational skills, with the ability to manage multiple projects under tight deadlines. Customer service-oriented with the ability to effectively communicate good or bad news to various parties. Demonstrated ability to work independently and within a team, with minimal supervision. Effective oral and written communication skills. High level of integrity, confidentiality, and professionalism. Attention to detail and accuracy required. Problem solving skills to reflect level of responsibilities. Ability to maintain sensitive and confidential information. Ability to travel for site inspections as required. Northmarq offers a highly competitive benefits package including: medical, dental, vision, paid time off, 401K match and an annual discretionary contribution based on business performance, paid parental leave and adoption assistance, education assistance, volunteer paid time off, charitable contribution match and so much more! Minnesota Residents: Northmarq carefully considers multiple factors to determine compensation, including a candidate's education, training, and experience. The salary range for the Assumptions Underwriter position is $93,000.00 to $120,000.00 annually. This range is a good faith estimate and the actual compensation that is offered to a successful candidate will depend on the candidate's skills, qualifications, and experience. #LI-ES1 #LI-Onsite

Job DescriptionDescriptionThis is an exciting opportunity to join a growing company in an emerging market. We offer a fast-paced and fun environment where your input and experience are valued. Verus Mortgage Capital is seeking a Non-Agency (Non-QM) Underwriter to provide support in all aspects of the underwriting process for a variety of mortgage products and property types. We have openings for this role including the opportunity to work remotely. You will work with Verus management and staff to successfully fund mortgage transactions within established timeframes. The ideal candidate will possess strong underwriting, compliance, analytical skills, and communication with the ability to address credit risk issues with both external and internal partners. Responsibilities and Duties: Underwrite credit, property, and applicable compliance documents (i.e. title, fraud reports, etc.) to ensure loans meet guidelines and represent an acceptable level of risk for origination. Strong underwriting knowledge of tax returns both business and personal and P&L statements are a necessity. Knowledge of bank statement income determination a definite plus. Communicate, solve and/or research underwriting issues, conditions, and/or concerns and present findings to address with brokers and/or internal partners. Review underwriting exception requests, determine compensating factors and present recommendations to exception approvers via system and process. Willingness to work within the Operational team daily to identify prioritization of files, conditions, etc. as well as any other duties necessary to acquire assets or as assigned by management. Education and Experience: A minimum of 3 years current non-agency (non-qm) & alternative doc mortgage underwriting experience is required. High School Diploma or equivalent In depth knowledge of mortgage underwriting, mortgage product guidelines and the mortgage production process Knowledge of business purpose loan transactions a plus Current knowledge of state and federal compliance and regulatory environment Working knowledge of Microsoft Office suite with high degree of comfort with excel and review of spreadsheet data Experience working with 3rd party providers a plus Strong oral and written communication skills Ability to work both independently and collaboratively within a small team environment. Experience and proven ability to establish relationships internally and externally with sales, brokers, processors, etc. Key Competencies Credit & Compliance Knowledge: Skilled in underwriting a variety of loan documents and ensuring compliance with guidelines and regulations. Analytical Thinking: Able to assess complex financial data (tax returns, P&Ls, bank statements) to evaluate risk. Communication Skills: Clearly communicates decisions and collaborates with brokers and internal teams. Tech Proficiency: Comfortable using Excel and mortgage-related systems to review and analyze data. Problem-Solving: Resolves underwriting issues and handles exception requests with sound judgment. Team Collaboration: Works flexibly with operations and adapts to shifting priorities. How This Role Demonstrates Our Values Integrity: Ensuring compliance with regulatory guidelines and ethical lending practices by conducting thorough and accurate underwriting reviews that align with industry standards. Collaboration: Working closely with internal teams and external partners, such as brokers and processors, to facilitate a seamless loan approval process and achieve shared business goals. Excellence: Demonstrating a commitment to high-quality underwriting by meticulously analyzing complex financial documents and consistently delivering accurate and efficient loan decisions. Critical Curiosity: Applying a proactive and inquisitive approach to underwriting, continuously seeking to understand complex financial situations and identify solutions that align with risk guidelines. Benefits Great compensation package Attractive benefits plans and paid time off 401(k) w/ company matching Professional learning and development opportunities And much more! Successful applicants will exemplify strong ethics, integrity, respect for others, accountability for decisions and actions, and good citizenship. Maintaining a reliable, uninterrupted high speed internet connection is a requirement of hybrid or remote positions. All job duties and responsibilities must be performed within the guidelines of the Verus Residential Mortgage Employee Handbook and established company policies and procedures. It is the responsibility of each employee to maintain confidentiality of the company, its clients and to follow applicable laws and regulations in the performance of duties. Verus Mortgage Capital is an equal opportunity employer. All qualified applicants are welcomed to apply and will receive consideration for employment without unlawful discrimination because of a person's race, religious creed, color, national origin, citizenship status, ancestry, marital status, sex, age, or sexual orientation, or because of a person's disability or medical condition.

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.

COMPANY INFORMATION Delta Dental of Minnesota is proud to be the largest regional provider of dental benefits, serving over 7,000 Minnesota and North Dakota-based purchasing groups and 4.5 million members nationwide. We aim to provide a work environment that engages each individual while encouraging growth and professional development. We are proud to be named a Top Workplace employer for several years and take pride in our team members for building this reputation. GENERAL SUMMARY This position is responsible for assessing financial risk by performing underwriting duties. These duties include, but are not limited to, decision-making and approval for prospective and renewal customers (risks) and alternate plan designs and changes related to new or existing customers. This position will be with Stratacor, an affiliate of Delta Dental of Minnesota. ESSENTIAL FUNCTIONS 1. Develop an understanding of and (through underwriting) profitably grow the company's market position 2. Collaborate with Sales Representatives and Account Management personnel to determine the most appropriate and profitable rate/fee/plan design/contract length to propose to prospective and existing customers 3. Utilize corporate rating policies and formulae to ensure corporate profitability goals are met 4. Perform functions associated with underwriting business to ensure rates/fees are produced accurately and in a timely manner 5. Gain a thorough working knowledge of all rating methods and formulae used, and be able to complete all basic underwriting independently 6. Utilize advanced mathematical and statistical methodology in the analysis of customer underwriting and risk data 7. Primary focus is on "large group" business 8. Develop a working relationship with underwriting department members and understand the function of each 9. Develop and maintain a working relationship with other company departments and understand their impact on underwriting workflow and how underwriting affects other departments 10. Represent the Underwriting Department to external parties, including brokers/consultants, existing and potential group customers, etc 11. Other duties as assigned by management REQUIRED KNOWLEDGE, SKILLS AND ABILITIES 1. Excellent problem-solving, analytical, oral, and written communication skills 2. Proven ability to exercise good judgment and make independent decisions 3. Customer service orientation toward internal and external parties 4. Interpersonal skills to deal with a variety of people and the professional demeanor to represent the company to external contacts 5. Knowledge of contract structure, benefit interpretation, rating formulae, methodologies, and underwriting practices 6. Detail-oriented with demonstrated ability to multitask and work successfully against deadlines 7. Advanced computer skills, including but not limited to Microsoft Excel and Word, are necessary REQUIRED EDUCATION AND EXPERIENCE 1. Minimum of a 4-year college degree in business, mathematics, or a related field, or equivalent experience 2. Work experience in the health insurance industry with 1 to 3 years of underwriting experience. Dental underwriting experience is preferred WORK ENVIRONMENT/PHYSICAL DEMANDS 1. Travel Requirements: None 2. Weight Lifting Requirements: 10lbs RELATIONSHIPS 1. Reports To: Director of Underwriting 2. Directly Manages: None 3. Internal Relationships: All levels of the corporation with frequent contact with sales/account management, actuarial and accounting departments 4. External Relationships: Brokers, consultants, and customers BENEFITS AND COMPENSATION Benefits for this position include medical, dental, vision, and life insurance; disability coverage; flexible spending plans; a 401(k) plan; Paid time off (PTO); and Holidays. Visit ****************************************************** for more information. The starting salary range for this position is between $52,500.00 to $65,750.00 annually. Salary offers will typically be made in the listed range. The Company takes into consideration a candidate's education, training, and experience, as well as the position's work location, expected quality and quantity of work, required travel (if any), external market and internal value, including merit process and internal pay alignment, when determining the salary for potential new team members. In compliance with state and federal regulations, a potential new team member's salary history will not be used in compensation decisions. EQUAL EMPLOYMENT OPPORTUNITY (EEO) STATEMENT Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the discloure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

Company Details Berkley Risk is a member company of W. R. Berkley Corporation, an A.M. Best A+ rated Fortune 500 holding company. Berkley operates through individual units that serve defined insurance market segments. Berkley Risk provides program administration and insurance operations for self-insured entities, offering customized solutions through both insurance and administrative options. Responsibilities The League of Minnesota Cities Insurance Trust (LMCIT) is a governmental risk pool served by Berkley Risk Administrators Co., LLC. This position manages an underwriting territory of complex, high-value municipal accounts. Responsibilities include premium calculation, risk evaluation, policy issuance, and member retention. The role involves analyzing data, designing coverage to reduce losses, and ensuring decisions align with LMCIT Board philosophies. The essential functions include, but are not limited to the following: Review, price, and manage renewal business (multi-line, emphasizing property, general liability and auto). Select, price, quote, or decline new business in accordance with LMCIT guidelines and underwriting judgment. Communicate with agents and members regarding submissions, endorsements, and other service matters. Collaborate with the Underwriting Manager and LMCIT staff on coverage design, rate setting, and strategic initiatives. Work with other Underwriters to maintain response time standards. Maintain relationships with customers, vendors, brokers, reinsurers, and program management staff. Provide guidance to rating and processing personnel. Perform additional duties as assigned by the Underwriting Manager. May perform other functions as assigned. Qualifications The following education, experience and skills requirements are necessary to perform the essential functions of this position: Minimum two years of professional experience in multi-line underwriting and marketing. Strong technical experience in insurance design, evaluation, and analysis. Knowledge or experience with self-insurance pools. Thorough understanding of commercial lines underwriting standards and rating. Excellent communication, decision-making, and organizational skills. Strong interpersonal and leadership abilities. Willingness to travel in-state as required. Additional Company Details The Company is an equal employment opportunity employer. We do not accept unsolicited resumes from third party recruiting agencies or firms. The company offers a competitive compensation plan and robust benefits package for full time regular employees including: • Base Salary Range: $65k-$75K • Benefits include: health, dental, vision, dental, life, disability, wellness, paid time off, 401(k) and profit-sharing plans The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. Additional Requirements Travel: Occasional, within the state of Minnesota.

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.

The Surety Senior Account Underwriter is responsible for marketing, underwriting, processing and servicing surety business as assigned or within a defined territory. They develop and underwrite profitable surety business by visiting assigned agencies or services offices and serve as subject matter expert, working with other bond personnel on selected contract accounts, including various financial and workload analysis. The role serves as underwriting contact for agency personnel by responding to agent inquiries, assisting in the development and delivery of agency training, monitoring compliance objectives, and supporting decision making on acceptance or decline of bonds within established authority. Salary Range: $105,708-126,850 Benefits, where eligible: 401(k) with employer contribution Pension plan Medical, dental & vision Wellness & mental health programs Health care flexible spending accounts, health savings accounts, & life insurance Paid time off, including volunteer time off Paid & unpaid sick leave where applicable, as well as short & long-term disability Parental & family leave; military leave Job Responsibilities Handles the responsibility for marketing, underwriting, processing, and servicing surety business within a defined territory. Provides guidance on the underwriting process while collecting all necessary information for new and existing bond contracts, contacting the client or broker if necessary and drawing up a legal and financial analysis of the file to deciding on this proposition or submitting it to the competent decision level. Makes timely and competent decisions on acceptance or declination of bonds within established authority. Submits/makes recommendations for approval of assigned risks more than authority. Visits agencies or service offices to develop and underwrite profitable business or assist in resolving problems. Communicates effectively and builds relationships with agents, agency clients, other Service Office and Home Office personnel on all business-related situations. Provides technical assistance to leader on selected accounts, including financial analysis, conducting inquiries and verifications, transmittal of information, and requests for approval. Assists in training activities related to underwriting, marketing, and processing surety business for less experienced bond personnel. Meets or exceeds goals and standards by ensuring accuracy, completeness, and procedural consistency of assigned files and the operation of reporting, processing and filing systems for all bonds produced by assigned agents or service offices. Works closely with Surety Lead Account Managers and continue skill development, implements best practices, and makes decisions regarding underwriting, processing and service. Develops knowledge of local markets and creates and increases business contacts/ network in assigned market area. Travels as often as needed including regular utilization of assigned fleet vehicle in order to cover assigned territory. This may involve traveling on short notice or other daily driving duties as assigned. Job Qualifications 3+ years of surety experience. Bachelor's degree in related field and/or commensurate work experience. Valid driver's license and a driving record that conforms to company standards. Location Hybrid defined as three (3) or more days per week in the office. Behavioral Competencies State Surety License Collaborates Customer focus Communicates effectively Decision quality Nimble learning Technical Skills Account Management Knowledge of State Specific Underwriting Statues Property and Casualty Underwriting Insurance Industry Knowledge Insurance Policies Agency Management Data Analysis and Reporting Risk Management Customer Service Management Surety Underwriting Business Planning This job description describes the general nature and level of work performed in this role. It is not intended to be an exhaustive list of all duties, skills, responsibilities, knowledge, etc. These may be subject to change and additional functions may be assigned as needed by management. #LI-DNI

The Surety Senior Account Underwriter is responsible for marketing, underwriting, processing and servicing surety business as assigned or within a defined territory. They develop and underwrite profitable surety business by visiting assigned agencies or services offices and serve as subject matter expert, working with other bond personnel on selected contract accounts, including various financial and workload analysis. The role serves as underwriting contact for agency personnel by responding to agent inquiries, assisting in the development and delivery of agency training, monitoring compliance objectives, and supporting decision making on acceptance or decline of bonds within established authority. Salary Range: $105,708-126,850 Benefits, where eligible: 401(k) with employer contribution Pension plan Medical, dental & vision Wellness & mental health programs Health care flexible spending accounts, health savings accounts, & life insurance Paid time off, including volunteer time off Paid & unpaid sick leave where applicable, as well as short & long-term disability Parental & family leave; military leave Job Responsibilities Handles the responsibility for marketing, underwriting, processing, and servicing surety business within a defined territory. Provides guidance on the underwriting process while collecting all necessary information for new and existing bond contracts, contacting the client or broker if necessary and drawing up a legal and financial analysis of the file to deciding on this proposition or submitting it to the competent decision level. Makes timely and competent decisions on acceptance or declination of bonds within established authority. Submits/makes recommendations for approval of assigned risks more than authority. Visits agencies or service offices to develop and underwrite profitable business or assist in resolving problems. Communicates effectively and builds relationships with agents, agency clients, other Service Office and Home Office personnel on all business-related situations. Provides technical assistance to leader on selected accounts, including financial analysis, conducting inquiries and verifications, transmittal of information, and requests for approval. Assists in training activities related to underwriting, marketing, and processing surety business for less experienced bond personnel. Meets or exceeds goals and standards by ensuring accuracy, completeness, and procedural consistency of assigned files and the operation of reporting, processing and filing systems for all bonds produced by assigned agents or service offices. Works closely with Surety Lead Account Managers and continue skill development, implements best practices, and makes decisions regarding underwriting, processing and service. Develops knowledge of local markets and creates and increases business contacts/ network in assigned market area. Travels as often as needed including regular utilization of assigned fleet vehicle in order to cover assigned territory. This may involve traveling on short notice or other daily driving duties as assigned. Job Qualifications 3+ years of surety experience. Bachelor's degree in related field and/or commensurate work experience. Valid driver's license and a driving record that conforms to company standards. Location Hybrid defined as three (3) or more days per week in the office. Behavioral Competencies State Surety License Collaborates Customer focus Communicates effectively Decision quality Nimble learning Technical Skills Account Management Knowledge of State Specific Underwriting Statues Property and Casualty Underwriting Insurance Industry Knowledge Insurance Policies Agency Management Data Analysis and Reporting Risk Management Customer Service Management Surety Underwriting Business Planning This job description describes the general nature and level of work performed in this role. It is not intended to be an exhaustive list of all duties, skills, responsibilities, knowledge, etc. These may be subject to change and additional functions may be assigned as needed by management. #LI-DNI

**Location:** This role requires associates to be in-office 1 - 2 days per week, fostering collaboration and connectivity, while providing flexibility to support productivity and work-life balance. This approach combines structured office engagement with the autonomy of virtual work, promoting a dynamic and adaptable workplace. Alternate locations may be considered if candidates reside within a commuting distance from an office. Please note that per our policy on hybrid/virtual work, candidates not within a reasonable commuting distance from the posting location(s) will not be considered for employment, unless an accommodation is granted as required by law. The **National Accounts Strategic Underwriter** is responsible for providing strategic and analytical underwriting support for national account clients. This includes financial modeling, risk assessments, and developing multi-year pricing strategies tailored to large, complex employer groups. The role requires extensive research, and collaboration to meet client demands and support growth and retention. The role collaborates cross-functionally to deliver customized solutions aligned with business priorities. **How You Will Make an Impact** Primary duties may include, but are not limited to: + Create competitive, financially sound proposals for business growth and renewals. + Collaborate on RFPs. + Lead contract customization and negotiations, ensuring accurate financial outcomes and risk mitigation. + Assists in the technical development of underwriting associates, which may include monitoring reports and work flow to provide recommendations on productivity and efficiency improvements. **Minimum Requirements:** Requires a BA/BS in in Finance, Actuarial Science, Business, or related field; Minimum of 7 years in large group insurance underwriting, actuarial analysis, or strategic finance. **Preferred Skills, Capabilities, and Experiences:** + ASA/FSA, CFA, or CEBS credentials preferred. For candidates working in person or virtually in the below location(s), the salary* range for this specific position is $105,504 to $180,864. Locations: California, District of Columbia (Washington, DC), Illinois, Maryland, Massachusetts, Minnesota, Nevada, New York, Washington State In addition to your salary, Elevance Health offers benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). The salary offered for this specific position is based on a number of legitimate, non-discriminatory factors set by the Company. The Company is fully committed to ensuring equal pay opportunities for equal work regardless of gender, race, or any other category protected by federal, state, and local pay equity laws. * The salary range is the range Elevance Health in good faith believes is the range of possible compensation for this role at the time of this posting. This range may be modified in the future and actual compensation may vary from posting based on geographic location, work experience, education and/or skill level. Even within the range, the actual compensation will vary depending on the above factors as well as market/business considerations. No amount is considered to be wages or compensation until such amount is earned, vested, and determinable under the terms and conditions of the applicable policies and plans. The amount and availability of any bonus, commission, benefits, or any other form of compensation and benefits that are allocable to a particular employee remains in the Company's sole discretion unless and until paid and may be modified at the Company's sole discretion, consistent with the law. Please be advised that Elevance Health only accepts resumes for compensation from agencies that have a signed agreement with Elevance Health. Any unsolicited resumes, including those submitted to hiring managers, are deemed to be the property of Elevance Health. Who We Are Elevance Health is a health company dedicated to improving lives and communities - and making healthcare simpler. We are a Fortune 25 company with a longstanding history in the healthcare industry, looking for leaders at all levels of the organization who are passionate about making an impact on our members and the communities we serve. How We Work At Elevance Health, we are creating a culture that is designed to advance our strategy but will also lead to personal and professional growth for our associates. Our values and behaviors are the root of our culture. They are how we achieve our strategy, power our business outcomes and drive our shared success - for our consumers, our associates, our communities and our business. We offer a range of market-competitive total rewards that include merit increases, paid holidays, Paid Time Off, and incentive bonus programs (unless covered by a collective bargaining agreement), medical, dental, vision, short and long term disability benefits, 401(k) +match, stock purchase plan, life insurance, wellness programs and financial education resources, to name a few. Elevance Health operates in a Hybrid Workforce Strategy. Unless specified as primarily virtual by the hiring manager, associates are required to work at an Elevance Health location at least once per week, and potentially several times per week. Specific requirements and expectations for time onsite will be discussed as part of the hiring process. The health of our associates and communities is a top priority for Elevance Health. We require all new candidates in certain patient/member-facing roles to become vaccinated against COVID-19 and Influenza. If you are not vaccinated, your offer will be rescinded unless you provide an acceptable explanation. Elevance Health will also follow all relevant federal, state and local laws. Elevance Health is an Equal Employment Opportunity employer and all qualified applicants will receive consideration for employment without regard to age, citizenship status, color, creed, disability, ethnicity, genetic information, gender (including gender identity and gender expression), marital status, national origin, race, religion, sex, sexual orientation, veteran status or any other status or condition protected by applicable federal, state, or local laws. Applicants who require accommodation to participate in the job application process may contact ******************************************** for assistance. Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state, and local laws, including, but not limited to, the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act.

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

Old National Bank has been serving clients and communities since 1834. With over $70 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve. As a trusted partner, we thrive on helping our clients achieve their goals and dreams, and we are committed to social responsibility and investing in our communities through volunteering and charitable giving. We continually seek highly motivated and talented individuals as our people are critical to our success. In return, we offer competitive compensation with our salary and incentive program, in addition to medical, dental, and vision insurance. 401K, continuing education opportunities and an employee assistance program are also included in our benefit suite. Old National also offers a variety of Impact Network Groups led by team members who are passionate about driving engagement, creating awareness of diverse backgrounds and experiences, and building inclusion across the organization. We offer a unique opportunity to join a growing, community and client-focused company that is firmly rooted in its core values. Responsibilities Salary Range The salary range for this position is $60,000 - $165,100 per year plus bonus. Final compensation will be determined by location, skills, experience, qualifications and the career level at which the position is filled. We are currently seeking a Credit Center Underwriter or Credit Analyst that will primarily be responsibility for analyzing and decisioning loans with Total Credit Exposure between $0 and $3 million while balancing risk and growth. Responsibilities and accountabilities include ensuring loan structures are appropriate and consistent with bank lending standards, assigning an appropriate asset quality rating, completing an appropriate level of underwriting for the risk and size of the loan opportunity, and decisioning applications with assigned lending authority in a fast-paced high-volume environment. A Credit Center Underwriter will collaborate with Business Bankers and Commercial Segment Relationship Managers, internal support staff, and others to provide credit expertise and support the commercial loan origination and review process. Old National finds value in being in the office five days a week at St Louis Park MN. Key Accountabilities Underwrite and Decision Loans Underwrite and decision renewals and new credit requests focusing on appropriate due diligence, risk assessment and asset quality ratings (AQR) Meet quality standards as outlined in ONB underwriting guidelines and policy; evaluation by Loan Review, OCC, and/or others may identify unacceptable underwriting or inaccurate asset quality ratings (AQR) Meet or exceed productivity expectations for annual credit approval memorandum (CAM) volume Make prudent credit decisions balancing risk and growth; utilize assigned lending authority based on approval authority matrix to exercise granted authority confidently, independently via problem solving/sound decision making and with integrity Produce high quality and accurate analysis while also not sacrificing efficiency in a fast-paced, high volume environment juggling multiple requests while adhering to client driven response timelines, etc. Work Collaboratively with Business Bankers, Relationship Managers, internal support staff and teammates Provide credit expertise using a consultative approach; assist in structuring loans applying proficient knowledge, understanding, and application of ONB guidelines/standards/policies, risk assessment and analysis; effectively communicate risks, questions, and options to RM seeking win-win solutions. Deliver exceptional internal customer service and adopt new processes and new tools, as available. Develop and enhance knowledge of common types of requests including C&I, small non-owner occupied commercial real estate, and non-for profits by leveraging internal and external resources and expertise Partner well with associates on revenue generating sales team, support teams and others. Work closely with teammates to maintain a group email box, manage application pipeline, complete ad hoc administrative tasks, and participate in projects as needed. Compelling Communication - Openly and effectively communicates with others. Effectively and transparently shares information and ideas with others. Tailors the delivery of communication in a way that engages the audience and that is easy to understand and retain. Unites others towards common goal. Asks for others' opinions and ideas and listens actively to gain their support when clarifying expectations, agreeing on a solution and checking for satisfaction. Develops Talent - Strengthen your abilities for today and beyond. You own your own development and your career. Actively assesses self-feedback to enhance knowledge, skills and behaviors. Leverages own strengths and those of team members to meet individual and team goals supporting both internal and external client needs. Continuously develops self for current and future roles. Personifies ONB Culture - Demonstrates pride in ONB. Consistently demonstrates Old National's culture and values in daily interactions. Models our values - how we show up in the workplace. Places the organization's goals before individual or team goals. Demonstrates the desire to be part of something beyond themselves by investing time, heart, and expertise to help clients and communities thrive. Makes Decisions & Solves Problems - Seeks deeper understanding, identifies alternative solutions, and drives sound decisions. Identifies, evaluates, and owns problems and opportunities along with possible solutions through effective collaboration. Collaborates and seeks to identify what caused the issue, comparing data from different sources within Old National to draw conclusions. Uses effective approaches for choosing a course of action or developing appropriate solutions resulting in sound decisions. Implements appropriate solutions and evaluates results within the team. Qualifications and Education Requirements At least 3-5 years of commercial credit analysis or commercial underwriting experience. Ability to independently/with limited oversight analyze and interpret financial statements and understand basic accounting principles. Self-starter who understands and takes appropriate action related to risks associated with lending to various types of industries. Basic knowledge of loan structuring, borrowing causes and lending regulations; ability to comply with and conform to ONB lending policies, guidelines and standards Must be able to make sound independent decisions and communicate those decisions clearly and effectively to the internal client quickly given the high volume, fast-paced environment Must be able to actively listen, quickly identify issues as well as opportunities when they arise, and problem solve in real-time to move the work accordingly Must feel comfortable working in a collaborative team environment along with being an independent thinker. Bachelor's degree in finance, accounting or related field OR equivalent experience. Old National is proud to be an equal opportunity employer focused on fostering an inclusive workplace and committed to hiring a workforce comprised of diverse backgrounds, cultures and thinking styles. As such, all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law. We do not accept resumes from external staffing agencies or independent recruiters for any of our openings unless we have an agreement signed by the Director of Talent Acquisition, SVP, to fill a specific position. Our culture is firmly rooted in our core values. We are optimistic. We are collaborative. We are inclusive. We are agile. We are ethical. We are Old National Bank. Join our team We can recommend jobs specifically for you! Click here to get started. If you're qualified for a position but need additional help with the application because of a disability, please email ************************** (This email will respond to accommodation requests only.)

What part will you play? If you're looking for a place where you can make a meaningful difference, you've found it. The work we do at Markel gives people the confidence to move forward and seize opportunities, and you'll find your fit amongst our global community of optimists and problem-solvers. We're always pushing each other to go further because we believe that when we realize our potential, we can help others reach theirs. Join us and play your part in something special! Come join our growing team, underwriting E&S Homeowners business countrywide! Seeking a candidate who enjoys providing creative solutions for our partners, embraces technology and is constantly thinking of a better way to do things. The ideal applicant works well in a team-oriented environment, is able to manage their time appropriately to ensure all deadlines and expectations are met, can work efficiently through tasks, can effectively build and maintain relationships by utilizing a strong set of soft skills and is comfortable analyzing and discussing basic insurance data in order to drive their external partners towards production and profitability goals. Our organization is focused on providing growth opportunities to its staff through constant and quality underwriting training, offering funding and incentives for continuing education designations, and creating a safe and inclusive space for everyone to bring their true selves to work. In this role, an underwriter is expected to handle daily referrals for hard-to-place homeowners risks, manage external partners towards production and profitability goals, conduct and create training and participate in team projects. Quarterly travel is required for both training and agency visits. Applicant will need to be proficient in all Microsoft Office products. Does this sound like you? Join us and play your part in something special! What you'll be doing: Underwrite a growing E&S Homeowners and Dwelling book within authority and by meeting referral count requirements Manage assigned partners to ensure profitable growth and gain market feedback Produce and conduct training as needed Participate in group projects Effectively manage your personal inbox and also contribute to the management of shared recourse boxes What we're looking for: 2+ years property underwriting or insurance experience (homeowners and/or surplus lines preferred) Ability to work on central time zone schedule Familiarity with Microsoft Teams and Office 365 Experience in agency relationship management (wholesale preferred) Who we are: Markel Group (NYSE - MKL) a fortune 500 company with over 60 offices in 20+ countries, is a holding company for insurance, reinsurance, specialist advisory and investment operations around the world. We're all about people | We win together | We strive for better We enjoy the everyday | We think further What's in it for you: In keeping with the values of the Markel Style, we strive to support our employees in living their lives to the fullest at home and at work. We offer competitive benefit programs that help meet our diverse and changing environment as well as support our employees' needs at all stages of life. All full-time employees have the option to select from multiple health, dental and vision insurance plan options and optional life, disability, and AD&D insurance. We also offer a 401(k) with employer match contributions, an Employee Stock Purchase Plan, PTO, corporate holidays and floating holidays, parental leave. Markel offers hybrid working schedules of 3 days in the office and 2 days remote. Are you ready to play your part? Choose ‘Apply Now' to fill out our short application, so that we can find out more about you. The base salary offered for the successful candidate will be based on compensable factors such as job-relevant education, job-relevant experience, training, licensure, demonstrated competencies, geographic location, and other factors. Caution: Employment scams Markel is aware of employment-related scams where scammers will impersonate recruiters by sending fake job offers to those actively seeking employment in order to steal personal information. Frequently, the scammer will reach out to individuals who have posted their resume online. These "job offers" include convincing offer letters and frequently ask for confidential personal information. Therefore, for your safety, please note that: All legitimate job postings with Markel will be posted on No other URL should be trusted for job Markel Group Careers. All legitimate communications with Markel recruiters will come from Markel.com email addresses. We would also ask that you please report any job employment scams related to Markel to ***********************. Markel is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of any protected characteristic. This includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law. Should you require any accommodation through the application process, please send an e-mail to the ***********************. US Work Authorization US Work Authorization required. Markel does not provide visa sponsorship for this position, now or in the future. Who we are: Markel Group (NYSE - MKL) a fortune 500 company with over 60 offices in 20+ countries, is a holding company for insurance, reinsurance, specialist advisory and investment operations around the world. We're all about people | We win together | We strive for better We enjoy the everyday | We think further What's in it for you: In keeping with the values of the Markel Style, we strive to support our employees in living their lives to the fullest at home and at work. We offer competitive benefit programs that help meet our diverse and changing environment as well as support our employees' needs at all stages of life. All full-time employees have the option to select from multiple health, dental and vision insurance plan options and optional life, disability, and AD&D insurance. We also offer a 401(k) with employer match contributions, an Employee Stock Purchase Plan, PTO, corporate holidays and floating holidays, parental leave. Are you ready to play your part? Choose ‘Apply Now' to fill out our short application, so that we can find out more about you. Caution: Employment scams Markel is aware of employment-related scams where scammers will impersonate recruiters by sending fake job offers to those actively seeking employment in order to steal personal information. Frequently, the scammer will reach out to individuals who have posted their resume online. These "job offers" include convincing offer letters and frequently ask for confidential personal information. Therefore, for your safety, please note that: All legitimate job postings with Markel will be posted on Markel Careers. No other URL should be trusted for job postings. All legitimate communications with Markel recruiters will come from Markel.com email addresses. We would also ask that you please report any job employment scams related to Markel to ***********************. Markel is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of any protected characteristic. This includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law. Should you require any accommodation through the application process, please send an e-mail to the ***********************. No agencies please.

At Northmarq, you can be part of something special. Northmarq is a unique capital markets resource for commercial real estate investors, providing our clients access to experts in debt, equity, investment sales, loan servicing, and fund management. We offer you a career path with best-in-class training, and we foster inclusive teams committed to collaboration, mentoring, and growth. At Northmarq, we will help you unlock your potential - whether you are an industry veteran or you're just getting started. Your new career is waiting. Start something special today. Northmarq was voted by Real Estate Forum as one of The Best Places to Work in Commercial Real Estate! Northmarq is seeking an experienced Underwriter with affordable experience to join our Agency team in our Bloomington office. This individual will play a key role in managing various aspects of the loan process, from application to closing. Responsibilities include providing analysis related to underwriting, due diligence, evaluating property and market data, and preparing comprehensive transaction narratives. The candidate will work closely with a diverse group including Production, Borrowers, Freddie Mac/Fannie Mae personnel, legal counsel, vendors, and asset management. This position requires a strong analytical mindset, exceptional attention to detail, excellent written and verbal communication skills, and a commitment to delivering top-tier customer service while upholding quality control standards. *This position is an in-office position, with an immediate start date. Position Responsibilities: Review prescreen packages for Affordable deals before they are submitted to the Freddie Mac TAH and Fannie Mae MAH team for a quote Prepare or review underwriting template and narratives summarizing the loan structure, transaction strengths and identified risks, and present the final package for internal and Agency approval. Ensure the underwriting package meets Agency requirements Analyze operating history, budget, property rent roll, and other financial information to verify the proforma and loan request aligns with Agency's quote and guidelines Review Borrower structure to identify all appropriate parties to complete mortgage credit due diligence, and complete an org chart to meet Agency requirements Review and analyze the Key Borrower Principal's real estate schedule, financial statements, and other due diligence documents to ensure compliance with Agency requirements Review third-party reports to ensure compliance with Agency guidelines (appraisal, environmental, engineering, zoning, etc.) Monitor transaction status to manage Production and Borrower expectations and anticipate, avoid, or solve any potential transaction-related problems Coordinate with the internal insurance team and Agency to obtain insurance approval, including waiver approval, if necessary Coordinate the closing of the transaction between Production, attorneys, and the title company on Freddie Mac transactions Participate in calls with Production and Borrower and/or legal to discuss transaction details, issues, and borrower structure. Conduct site visits with the Borrower, Production, and consultants, as needed. Draft Application and Commitment Letters, Rate Lock Agreements/Trade Authorizations Assist in final loan package delivery or pre-purchase matters. Keep apprised of shifts in the commercial real estate world, including Agency credit parameters and requirements. What We're Looking For: 3-5 years of Agency Underwriting experience, including Fannie MAH and Freddie TAH transactions Knowledge of Agency program requirements Bachelor's degree in Real Estate Finance, Accounting, Business Administration, or a related field Strong organizational skills with the ability to handle multiple assignments while meeting deadlines Client service-oriented mindset with excellent problem-solving abilities. Ability to manage/underwrite multiple transactions at once Demonstrated work ethic and willingness to work extended hours when necessary Excellent written and verbal communication skills High level of integrity, confidentiality, and professionalism Strong computer knowledge with Microsoft Office applications, in particular Word, Excel, and Adobe. Salesforce proficiency is a plus Ability to travel for site inspections, as required Northmarq offers a highly competitive benefits package including: medical, dental, vision, paid time off, 401K match and an annual discretionary contribution based on business performance, paid parental leave and adoption assistance, education assistance, volunteer paid time off, charitable contribution match and so much more! Minnesota Residents: Northmarq carefully considers multiple factors to determine compensation, including a candidate's education, training, and experience. The salary range for the Agency Underwriter - Affordable/Conventional position is $93,000.00 annually or [$44.71 per hour] to $120,000.00 annually [or $57.69 per hour]. This range is a good faith estimate and the actual compensation that is offered to a successful candidate will depend on the candidate's skills, qualifications, and experience. #LI-Onsite #LI-SY1

WHO ARE WE: Alerus is a commercial wealth bank and national retirement provider with one core purpose: helping clients achieve their financial goals. We are driven by a shared commitment to always do the right thing; leading with integrity and providing valued advice and guidance to our clients. We value the expertise and skillsets each team member provides and encourage collaboration, innovation, adaptability, and an entrepreneurial spirit at all levels of our company. By consistently seeking improvements and growth, we foster long-term relationships with clients and team members. We are proud to be recognized as a Top Workplace by numerous industry and regional outlets. CORE VALUES: Passion for Excellence :: Success is Never Final :: Do the Right Thing :: One Aleru ACCOUNTABILITIES: Centralized Underwriting for new loans, modifications and renewals Propose Lending Solutions Underwrite Credit Risk Complete Annual Reviews Provides Support to the Commercial & Business Bankers ABOUT THE ROLE: The Business Banking Underwriter I is accountable for underwriting and monitoring a portfolio of business banking level commercial and industrial (C&I) loans ranging in size from $1,000,000 to $5,000,000. The portfolio may also include agricultural, owner occupied and/or small investor commercial real estate loans. Will partner with Commercial & Business Bankers to propose and negotiate lending solutions on new opportunities and underwrite credit risk. Responsible for determining the credit worthiness of borrowers and/or sponsors and recommending credit decisions. Monitors portfolio credit relationships for covenant compliance, collateral monitoring, and credit deterioration, as applicable. Keeps apprised of industry related issues to analyze and determine their impact on specific industries, clients, or Alerus C&I portfolios. Performs all duties in accordance with policies, procedures, and regulatory requirements. WHAT YOU'LL BE DOING: Performs financial analysis including forecasting and sensitivity analysis to assist in determining borrower capacity to repay. Develop a comprehensive understanding of customer's financial needs and formulate a plan for loan structure and servicing. Writes cogent credit narratives and perform advanced risk assessments of products, policy, structure, terms and financial strength with minimal to moderate guidance/feedback. Collaborate with bankers and Regional Credit Officers to structure loan terms that align with the bank's risk appetite and client needs. Independently grades all credits in accordance with Bank's credit classification system. Monitor existing loan portfolio performance and proactively identify early warning signs of credit deterioration or covenant breaches. Ensures loan requests adhere and comply with applicable bank regulations, policies and procedures. Stay updated on economic trends, industry developments, and regulatory changes impacting credit underwriting and commercial lending practices. WHAT YOU SHOULD HAVE: Bachelor's degree or equivalent education including upper-level courses in finance and accounting 1-3 years of experience in a previous credit analyst or underwriter position 1+ years of experience working with commercial and industrial, commercial real estate and agricultural lending preferred In-depth knowledge of straightforward to medium complexity loan documentation, banking laws, and regulations preferred WHAT WE BRING TO THE TABLE: Competitive compensation including base salary, bonus and/or incentive opportunities. Comprehensive benefits package providing a wide range of health and well-being benefits, including medical, dental, vision, life and long-term disability insurance; and 401(k) and ESOP for retirement savings. Generous paid time off programs such as flexible time off, company-paid holidays, parental and bereavement leave. Learning and development resources for personal and professional career development, and advancement opportunities. Access to financial experts for guidance, financial wellness tools, and discounts on Alerus products and services. Support for the communities we live in through paid volunteer time and a company donation match opportunity. WORK ENVIRONMENT: Work is typically performed in an office setting. The employee is regularly required to sit for extended periods of time. The employee is occasionally required to move about the office utilizing proper ergonomic safeguards when doing so. Additionally, the employee must occasionally lift or move supplies and materials up to 20 pounds. BASE PAY RANGE: $60,000 - $80,000 per year The above information in this description has been designed to indicate the general nature and level of work performed by employees in this position. It is not designed to contain or be interpreted as an exhaustive list of all responsibilities, duties, and qualifications required of employees assigned to this job. Alerus is an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Job DescriptionDescriptionWe are seeking an experienced Quality Control Underwriter with expertise in the Non-QM (Non-Qualified Mortgage) or Non-Agency lending space. The ideal candidate will be responsible for reviewing and ensuring the quality and accuracy of loan files, ensuring they meet company and regulatory guidelines. This role is critical in maintaining compliance, identifying risk, and improving the underwriting process. Responsibilities and Duties: Quality Control Review: Conduct thorough reviews of Non-Agency loan files to ensure compliance with company policies, investor guidelines, and regulatory requirements. Risk Assessment: Analyze loan documents to assess the risk level, including income, credit, assets, and property evaluations, ensuring all aspects of the loan meet established criteria. Guideline Adherence: Verify that underwriting decisions adhere to specific Non-Agency guidelines, including evaluating compensating factors for loans that fall outside of standard parameters. File Auditing: Perform post-closing audits on selected loan files, identifying discrepancies or deficiencies and providing recommendations for corrective actions. Reporting: Generate detailed reports on findings, trends, and areas of concern, and present these to management for further action and improvement. Process Improvement: Collaborate with underwriting and operations teams to identify opportunities for process enhancements, aiming to increase efficiency and reduce error rates. Training and Development: Assist in developing training materials and conducting training sessions for underwriters and support staff on Non-Agency guidelines and quality control procedures. Stay Current: Keep abreast of industry changes, regulatory updates, and best practices within the Non-Agency space. Ability to identify fraud, misrepresentation, and red flags during review of loan files. Education and Experience: Bachelor's degree in Finance, Business Administration, or a related field is preferred. Minimum of 3-5 years of experience in mortgage underwriting, with at least 2 years specifically in the Non-Agency space. Proven experience in quality control or audit functions within the mortgage industry. In-depth knowledge of Non-Agency guidelines and regulatory requirements. Strong analytical and problem-solving skills. Excellent attention to detail and ability to identify discrepancies. Proficient in mortgage loan management systems (LMS) loan origination systems (LOS) and quality control software. Strong communication skills, both written and verbal. Ability to work independently and as part of a team. Key Competencies: Attention to Detail: The ability to meticulously review loan files, identify discrepancies, and ensure complete accuracy in compliance with company policies and regulatory guidelines. Precision in assessing documentation related to income, credit, assets, and property evaluations is critical. Risk Assessment and Analytical Skills: Strong analytical abilities to evaluate loan files and assess potential risks effectively. This includes interpreting complex financial data, identifying potential red flags, and making informed recommendations to mitigate risk while ensuring adherence to non-Agency lending guidelines. Regulatory and Guideline Knowledge: In-depth understanding of non-Agency and Non-QM lending guidelines, regulatory requirements, and industry best practices. Staying current with evolving regulations and applying them accurately to underwriting decisions is essential to maintaining compliance and avoiding risk. Process Improvement Orientation: A proactive approach to identifying inefficiencies and areas for improvement within the underwriting and quality control processes. Collaboration with teams to implement best practices and optimize workflows helps enhance efficiency and reduce error rates. Effective Communication and Collaboration: Strong verbal and written communication skills to effectively convey findings, discrepancies, and recommendations to internal teams and management. The ability to train and support staff in quality control procedures, fostering a culture of compliance and continuous improvement. How This Role Demonstrates Our Values: Integrity: Ensures accuracy and compliance in loan reviews, upholding ethical standards and fostering trust with stakeholders. Collaboration: Works closely with cross-functional teams to enhance processes and share insights, promoting a culture of teamwork and shared success. Excellence: Delivers high-quality audits and reports, continuously striving to improve processes and maintain superior underwriting standards. Critical Curiosity: Proactively seeks opportunities for improvement by questioning existing processes, staying informed on industry trends, and identifying areas for enhancement. Benefits Great compensation package Attractive benefits plans and paid time off 401(k) w/ company matching Professional learning and development opportunities And much more! Successful applicants will exemplify strong ethics, integrity, respect for others, accountability for decisions and actions, and good citizenship. Maintaining a reliable, uninterrupted high speed internet connection is a requirement of hybrid or remote positions. All job duties and responsibilities must be performed within the guidelines of the Verus Residential Mortgage Employee Handbook and established company policies and procedures. It is the responsibility of each employee to maintain confidentiality of the company, its clients and to follow applicable laws and regulations in the performance of duties. Verus Mortgage Capital is an equal opportunity employer. All qualified applicants are welcomed to apply and will receive consideration for employment without unlawful discrimination because of a person's race, religious creed, color, national origin, citizenship status, ancestry, marital status, sex, age, or sexual orientation, or because of a person's disability or medical condition.

Old National Bank has been serving clients and communities since 1834. With over $70 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve. As a trusted partner, we thrive on helping our clients achieve their goals and dreams, and we are committed to social responsibility and investing in our communities through volunteering and charitable giving. We continually seek highly motivated and talented individuals as our people are critical to our success. In return, we offer competitive compensation with our salary and incentive program, in addition to medical, dental, and vision insurance. 401K, continuing education opportunities and an employee assistance program are also included in our benefit suite. Old National also offers a variety of Impact Network Groups led by team members who are passionate about driving engagement, creating awareness of diverse backgrounds and experiences, and building inclusion across the organization. We offer a unique opportunity to join a growing, community and client-focused company that is firmly rooted in its core values. Responsibilities Salary Range The salary range for this position is $60,000 - $165,100 per year plus a bonus. Final compensation will be determined by location, skills, experience, qualifications and the level of career at which the position is filled. UW Tier Level Commercial Underwriting Experience Required Tier II 3-5 Years Tier III 5-7 Years We are growing and have opportunities for Commercial Underwriters for C&I. This role has the primary responsibility of underwriting lending opportunities, balancing risk and growth ensuring loan structures are appropriate and consistent with bank lending standards. You will assign an appropriate asset quality rating, in a fast-paced, high-volume environment completing a detailed financial analysis to obtain a deeper understanding of an application's credit risk. You will collaborate with Relationship Managers, and internal support staff to provide credit expertise to underwrite and monitor the portfolio. We are an in-office working environment with the following locations for you to work with team members; Lake Elmo St Paul, 380 St Peter Street St Paul, Capella Building 255 6th Steet Minneapolis MN, North Rochester MN, and Fargo ND. Key Accountabilities Underwrite Loans * Underwrite credit requests focusing on appropriate due diligence, risk assessment and asset quality ratings (AQR) * Meet quality standards as outlined in ONB underwriting guidelines and policy; evaluation by Loan Review, OCC, and/or others may identify unacceptable underwriting or inaccurate asset quality ratings (AQR) * Meet or exceed productivity expectations for annual credit approval memorandum (CAM) volume * Produce high quality and accurate analysis while also not sacrificing efficiency in a fast-paced, high-volume environment juggling multiple requests while adhering to client driven response timelines, etc. Partner with respective Relationship Managers as well as Treasury Management Partners * Provide credit expertise using a consultative approach; assist in structuring loans applying proficient knowledge, understanding, and application of ONB guidelines/standards/policies, risk assessment and analysis; effectively communicate risks, questions, and options to RM seeking win-win solutions. * Deliver exceptional internal customer service and adopt new processes and new tools, as available. * Develop and enhance knowledge of assigned segmentation and portfolio by leveraging internal and external resources and expertise * Partner well with associates on revenue generating sales team, support teams and others in Credit to ensure a collaborative, team, and empowered environment Monitor Portfolio * Accurately assign asset quality ratings (AQR) * Work with assigned Relationship Managers to monitor the credit portfolio to maintain strong asset quality; review trend analysis reports, address default situations, delinquencies, review maturing notes, receipt of financial information, review covenant default and Borrowing Base Certificate (BBC) reports and other reports as appropriate. * Prepare credit data in Special Assets Assessment and Action Summary (SAAAS) and Upgrade Hurdles, as necessary, working with assigned Relationship Managers * Commercial Underwriters may monitor overlines and Treasury Management/ACH risk reports or other trends, as appropriate Key Competencies for Position Cultural Leadership: * Communication - effectively shares information and ideas with individuals and groups; displays self-awareness and self-management, tailors the delivery to the audience, and selects suitable delivery methods. * Collaboration - actively seeks, develops and maintains trusted relationships with others to achieve business goals and objectives. Execution Leadership: * Drive and Execution - committed to achieving established goals, overcoming obstacles, and continuously learning; focuses on ways to succeed by changing strategies, increasing effort, using varying approaches; seeks and leverages opportunities to collaborate with others to achieve results; consistently achieves performance targets. * Problem Solving/Decision Making - with minimal oversight, seeks to identify what caused an issue; incorporates input from multiple sources (e.g., lines of business, subject matter experts, data, policies, procedures, etc.) to ensure effective action and shared ownership; decisions are sound based on what was known at the time and are based on a blend of analysis, wisdom, experience, and judgement. * Adaptability - flexible and agile (can be a utility player); modifies behavior and approach in order to deal effectively with changing business needs, conditions, work responsibilities and requirements, and client needs; maintains effectiveness when experiencing change; accepts new challenges/shifts/change in a "can-do" way; focuses on the beneficial aspects of change * Technical Knowledge - possesses the required technical knowledge to perform the role effectively; continuous learning to adopt new trends or expertise; applies credit and banking expertise, industry knowledge, skills and abilities to demonstrate and sustain a depth and breadth of applicable technical underwriting knowledge Client Leadership: * Client Leadership - Puts the (internal and/or external) client in the forefront; strives to delight clients/partners by becoming a trusted advisor, establishes long-term productive relationships by viewing and understanding outcomes and operations through the eyes of the client, identifying and acting upon needs, and delivering increased value Qualifications and Education Requirements * Demonstrate at least 3-7 years progressive experience within Commercial Credit for C&I is required with each incremental level of responsibility. * Demonstrated ability to independently (with limited oversight), understand, analyze and interpret financial statements * Understands and takes appropriate action related to risks associated with lending to various types of industries. * Basic knowledge of loan structuring, borrowing causes and lending regulations; ability to comply with and conform to ONB lending policies, guidelines and standards * Must be able to make sound independent decisions and communicate those decisions clearly and effectively to the internal/external client quickly given the high volume, fast-paced environment * Must be able to actively listen, quickly identify issues as well as opportunities when they arise, and problem solve in real-time to move the work accordingly * Must feel comfortable working in a collaborative team environment along with being an independent thinker. * Bachelor's degree in finance, accounting or equivalent experience Old National is proud to be an equal opportunity employer focused on fostering an inclusive workplace and committed to hiring a workforce comprised of diverse backgrounds, cultures and thinking styles. As such, all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law. We do not accept resumes from external staffing agencies or independent recruiters for any of our openings unless we have an agreement signed by the Director of Talent Acquisition, SVP, to fill a specific position. Our culture is firmly rooted in our core values. We are optimistic. We are collaborative. We are inclusive. We are agile. We are ethical. We are Old National Bank. Join our team!

Job Description At Northmarq, you can be part of something special. Northmarq is a unique capital markets resource for commercial real estate investors, providing our clients access to experts in debt, equity, investment sales, loan servicing, and fund management. We offer you a career path with best-in-class training, and we foster inclusive teams committed to collaboration, mentoring, and growth. At Northmarq, we will help you unlock your potential - whether you are an industry veteran or you're just getting started. Your new career is waiting. Start something special today. Northmarq was voted by Real Estate Forum as one of The Best Places to Work in Commercial Real Estate! Northmarq is seeking an experienced Underwriter with affordable experience to join our Agency team in our Bloomington office. This individual will play a key role in managing various aspects of the loan process, from application to closing. Responsibilities include providing analysis related to underwriting, due diligence, evaluating property and market data, and preparing comprehensive transaction narratives. The candidate will work closely with a diverse group including Production, Borrowers, Freddie Mac/Fannie Mae personnel, legal counsel, vendors, and asset management. This position requires a strong analytical mindset, exceptional attention to detail, excellent written and verbal communication skills, and a commitment to delivering top-tier customer service while upholding quality control standards. *This position is an in-office position, with an immediate start date. Position Responsibilities: Review prescreen packages for Affordable deals before they are submitted to the Freddie Mac TAH and Fannie Mae MAH team for a quote Prepare or review underwriting template and narratives summarizing the loan structure, transaction strengths and identified risks, and present the final package for internal and Agency approval. Ensure the underwriting package meets Agency requirements Analyze operating history, budget, property rent roll, and other financial information to verify the proforma and loan request aligns with Agency's quote and guidelines Review Borrower structure to identify all appropriate parties to complete mortgage credit due diligence, and complete an org chart to meet Agency requirements Review and analyze the Key Borrower Principal's real estate schedule, financial statements, and other due diligence documents to ensure compliance with Agency requirements Review third-party reports to ensure compliance with Agency guidelines (appraisal, environmental, engineering, zoning, etc.) Monitor transaction status to manage Production and Borrower expectations and anticipate, avoid, or solve any potential transaction-related problems Coordinate with the internal insurance team and Agency to obtain insurance approval, including waiver approval, if necessary Coordinate the closing of the transaction between Production, attorneys, and the title company on Freddie Mac transactions Participate in calls with Production and Borrower and/or legal to discuss transaction details, issues, and borrower structure. Conduct site visits with the Borrower, Production, and consultants, as needed. Draft Application and Commitment Letters, Rate Lock Agreements/Trade Authorizations Assist in final loan package delivery or pre-purchase matters. Keep apprised of shifts in the commercial real estate world, including Agency credit parameters and requirements. What We're Looking For: 3-5 years of Agency Underwriting experience, including Fannie MAH and Freddie TAH transactions Knowledge of Agency program requirements Bachelor's degree in Real Estate Finance, Accounting, Business Administration, or a related field Strong organizational skills with the ability to handle multiple assignments while meeting deadlines Client service-oriented mindset with excellent problem-solving abilities. Ability to manage/underwrite multiple transactions at once Demonstrated work ethic and willingness to work extended hours when necessary Excellent written and verbal communication skills High level of integrity, confidentiality, and professionalism Strong computer knowledge with Microsoft Office applications, in particular Word, Excel, and Adobe. Salesforce proficiency is a plus Ability to travel for site inspections, as required Northmarq offers a highly competitive benefits package including: medical, dental, vision, paid time off, 401K match and an annual discretionary contribution based on business performance, paid parental leave and adoption assistance, education assistance, volunteer paid time off, charitable contribution match and so much more! Minnesota Residents: Northmarq carefully considers multiple factors to determine compensation, including a candidate's education, training, and experience. The salary range for the Agency Underwriter - Affordable/Conventional position is $93,000.00 annually or [$44.71 per hour] to $120,000.00 annually [or $57.69 per hour]. This range is a good faith estimate and the actual compensation that is offered to a successful candidate will depend on the candidate's skills, qualifications, and experience. #LI-Onsite #LI-SY1

WHO ARE WE: Alerus is a commercial wealth bank and national retirement provider with one core purpose: helping clients achieve their financial goals. We are driven by a shared commitment to always do the right thing; leading with integrity and providing valued advice and guidance to our clients. We value the expertise and skillsets each team member provides and encourage collaboration, innovation, adaptability, and an entrepreneurial spirit at all levels of our company. By consistently seeking improvements and growth, we foster long-term relationships with clients and team members. We are proud to be recognized as a Top Workplace by numerous industry and regional outlets. CORE VALUES: Passion for Excellence :: Success is Never Final :: Do the Right Thing :: One Aleru ACCOUNTABILITIES: Centralized Underwriting for new loans, modifications and renewals Propose Lending Solutions Underwrite Credit Risk Complete Annual Reviews Provides Support to the Commercial & Business Bankers ABOUT THE ROLE: The Business Banking Underwriter I is accountable for underwriting and monitoring a portfolio of business banking level commercial and industrial (C&I) loans ranging in size from $1,000,000 to $5,000,000. The portfolio may also include agricultural, owner occupied and/or small investor commercial real estate loans. Will partner with Commercial & Business Bankers to propose and negotiate lending solutions on new opportunities and underwrite credit risk. Responsible for determining the credit worthiness of borrowers and/or sponsors and recommending credit decisions. Monitors portfolio credit relationships for covenant compliance, collateral monitoring, and credit deterioration, as applicable. Keeps apprised of industry related issues to analyze and determine their impact on specific industries, clients, or Alerus C&I portfolios. Performs all duties in accordance with policies, procedures, and regulatory requirements. WHAT YOU'LL BE DOING: Performs financial analysis including forecasting and sensitivity analysis to assist in determining borrower capacity to repay. Develop a comprehensive understanding of customer's financial needs and formulate a plan for loan structure and servicing. Writes cogent credit narratives and perform advanced risk assessments of products, policy, structure, terms and financial strength with minimal to moderate guidance/feedback. Collaborate with bankers and Regional Credit Officers to structure loan terms that align with the bank's risk appetite and client needs. Independently grades all credits in accordance with Bank's credit classification system. Monitor existing loan portfolio performance and proactively identify early warning signs of credit deterioration or covenant breaches. Ensures loan requests adhere and comply with applicable bank regulations, policies and procedures. Stay updated on economic trends, industry developments, and regulatory changes impacting credit underwriting and commercial lending practices. WHAT YOU SHOULD HAVE: Bachelor's degree or equivalent education including upper-level courses in finance and accounting 1-3 years of experience in a previous credit analyst or underwriter position 1+ years of experience working with commercial and industrial, commercial real estate and agricultural lending preferred In-depth knowledge of straightforward to medium complexity loan documentation, banking laws, and regulations preferred WHAT WE BRING TO THE TABLE: Competitive compensation including base salary, bonus and/or incentive opportunities. Comprehensive benefits package providing a wide range of health and well-being benefits, including medical, dental, vision, life and long-term disability insurance; and 401(k) and ESOP for retirement savings. Generous paid time off programs such as flexible time off, company-paid holidays, parental and bereavement leave. Learning and development resources for personal and professional career development, and advancement opportunities. Access to financial experts for guidance, financial wellness tools, and discounts on Alerus products and services. Support for the communities we live in through paid volunteer time and a company donation match opportunity. WORK ENVIRONMENT: Work is typically performed in an office setting. The employee is regularly required to sit for extended periods of time. The employee is occasionally required to move about the office utilizing proper ergonomic safeguards when doing so. Additionally, the employee must occasionally lift or move supplies and materials up to 20 pounds. BASE PAY RANGE: $60,000 - $80,000 per year The above information in this description has been designed to indicate the general nature and level of work performed by employees in this position. It is not designed to contain or be interpreted as an exhaustive list of all responsibilities, duties, and qualifications required of employees assigned to this job. Alerus is an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Old National Bank has been serving clients and communities since 1834. With over $70 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve. As a trusted partner, we thrive on helping our clients achieve their goals and dreams, and we are committed to social responsibility and investing in our communities through volunteering and charitable giving. We continually seek highly motivated and talented individuals as our people are critical to our success. In return, we offer competitive compensation with our salary and incentive program, in addition to medical, dental, and vision insurance. 401K, continuing education opportunities and an employee assistance program are also included in our benefit suite. Old National also offers a variety of Impact Network Groups led by team members who are passionate about driving engagement, creating awareness of diverse backgrounds and experiences, and building inclusion across the organization. We offer a unique opportunity to join a growing, community and client-focused company that is firmly rooted in its core values. Responsibilities Salary Range The salary range for this position is $60,000 - $165,100 per year plus bonus. Final compensation will be determined by location, skills, experience, qualifications and the career level at which the position is filled. We are growing and have opportunities for Commercial Underwriters/Credit Analysts for Agriculture. This role has the primary responsibility of underwriting lending opportunities, balancing risk and growth ensuring loan structures are appropriate and consistent with bank lending standards. You will assign an appropriate asset quality rating, in a fast-paced, high volume environment completing a detailed financial analysis to obtain a deeper understanding of an application's credit risk. You will collaborate with Relationship Managers, and internal support staff to provide credit expertise to underwrite and monitor the portfolio. We are an in-office working environment with the following locations for you to work with team members; Fargo ND, MN (St Cloud, Mankato, Capella Building, St Paul, Lake Elmo, Rochester). IL (8750 W. Bryn Mawr Chicago (near Rosemont and the Cumberland Blue line station), Hickory Hills, Sycamore, Moline, Galesburg, Joliet, Danville), IN (Indianapolis, Carmel, Jasper, Bloomington, Muncie, Lafayette, Evansville), Louisville, and Nashville. Key Accountabilities Underwrite Loans Underwrite credit requests focusing on appropriate due diligence, risk assessment and asset quality ratings (AQR) Meet quality standards as outlined in ONB underwriting guidelines and policy; evaluation by Loan Review, OCC, and/or others may identify unacceptable underwriting or inaccurate asset quality ratings (AQR) Meet or exceed productivity expectations for annual credit approval memorandum (CAM) volume Produce high quality and accurate analysis while also not sacrificing efficiency in a fast-paced, high volume environment juggling multiple requests while adhering to client driven response timelines, etc. Partner with respective Relationship Managers as well as Treasury Management Partners Provide credit expertise using a consultative approach; assist in structuring loans applying proficient knowledge, understanding, and application of ONB guidelines/standards/policies, risk assessment and analysis; effectively communicate risks, questions, and options to RM seeking win-win solutions. Deliver exceptional internal customer service and adopt new processes and new tools, as available. Develop and enhance knowledge of assigned segmentation and portfolio by leveraging internal and external resources and expertise Partner well with associates on revenue generating sales team, support teams and others in Credit to ensure a collaborative, team, and empowered environment Monitor Portfolio Accurately assign asset quality ratings (AQR) Work with assigned Relationship Managers to monitor the credit portfolio to maintain strong asset quality; review trend analysis reports, address default situations, delinquencies, review maturing notes, receipt of financial information, review covenant default and Borrowing Base Certificate (BBC) reports and other reports as appropriate. Prepare credit data in Special Assets Assessment and Action Summary (SAAAS) and Upgrade Hurdles, as necessary, working with assigned Relationship Managers Commercial Underwriters may monitor overlines and Treasury Management/ACH risk reports or other trends, as appropriate Key Competencies for Position Cultural Leadership: Communication - effectively shares information and ideas with individuals and groups; displays self-awareness and self-management, tailors the delivery to the audience, and selects suitable delivery methods. Collaboration - actively seeks, develops and maintains trusted relationships with others to achieve business goals and objectives. Execution Leadership: Drive and Execution - committed to achieving established goals, overcoming obstacles, and continuously learning; focuses on ways to succeed by changing strategies, increasing effort, using varying approaches; seeks and leverages opportunities to collaborate with others to achieve results; consistently achieves performance targets. Problem Solving/Decision Making - with minimal oversight, seeks to identify what caused an issue; incorporates input from multiple sources (e.g., lines of business, subject matter experts, data, policies, procedures, etc.) to ensure effective action and shared ownership; decisions are sound based on what was known at the time and are based on a blend of analysis, wisdom, experience, and judgement. Adaptability - flexible and agile (can be a utility player); modifies behavior and approach in order to deal effectively with changing business needs, conditions, work responsibilities and requirements, and client needs; maintains effectiveness when experiencing change; accepts new challenges/shifts/change in a "can-do" way; focuses on the beneficial aspects of change Technical Knowledge - possesses the required technical knowledge to perform the role effectively; continuous learning to adopt new trends or expertise; applies credit and banking expertise, industry knowledge, skills and abilities to demonstrate and sustain a depth and breadth of applicable technical underwriting knowledge Client Leadership: Client Leadership - Puts the (internal and/or external) client in the forefront; strives to delight clients/partners by becoming a trusted advisor, establishes long-term productive relationships by viewing and understanding outcomes and operations through the eyes of the client, identifying and acting upon needs, and delivering increased value Qualifications and Education Requirements At least 3 + years progressive Agriculture underwriter experience is required. More experience for higher level positions is required. Prefer familiarity with syndicated loan transactions.Prefer MBA, CFA, or CPA. Demonstrated ability to independently understand, analyze and interpret financial statements Understands and takes appropriate action related to risks associated with lending to various types of industries. Highly skilled with loan structuring, borrowing causes and lending regulations; ability to comply and conform to ONB lending policies, guidelines and standards Must be able to make sound independent decisions and communicate those decisions clearly and effectively to the internal/external client quickly given the high volume, fast-paced environment Must be able to actively listen, quickly identify issues as well as opportunities when they arise, and problem solve in real-time to move the work accordingly Must feel comfortable working in a collaborative team environment along with being an independent thinker. Old National is proud to be an equal opportunity employer focused on fostering an inclusive workplace and committed to hiring a workforce comprised of diverse backgrounds, cultures and thinking styles. As such, all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law. We do not accept resumes from external staffing agencies or independent recruiters for any of our openings unless we have an agreement signed by the Director of Talent Acquisition, to fill a specific position. Our culture is firmly rooted in our core values. We are optimistic. We are collaborative. We are inclusive. We are agile. We are ethical. We are Old National Bank. Join our team! We can recommend jobs specifically for you! Click here to get started. If you're qualified for a position but need additional help with the application because of a disability, please email ************************** (This email will respond to accommodation requests only.)