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Underwriter jobs in Palm Beach Gardens, FL - 25 jobs
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Underwriter/Broker
Arthur J. Gallagher & Co. (AJG
Underwriter job in Fort Lauderdale, FL
Introduction At RPS, we don't just embrace bold ideas, we make them happen. We're a team of entrepreneurs, big-picture thinkers, and passionate experts who thrive on possibility. Every day, we collaborate across teams, challenge convention, and push boundaries to design innovative solutions for our clients. With access to top-rated carriers and a dynamic marketplace, we bring strategy and creativity together to deliver what others might call impossible. Here, every voice counts, every perspective matters, and every challenge is an opportunity to grow. You'll be supported by a culture that celebrates ownership, curiosity, and high performance, where you're trusted to do your best work and encouraged to keep learning along the way. Overview The Underwriter/Broker is responsible for fostering revenue growth by delivering Retail Agents an efficient underwriting service and facilitating access to national markets through established relationships with Specialty Carriers. How you'll make an impact Prospect for new business by actively networking and building relationships with Independent Retail Agents and Carrier Underwriters to achieve production goals. Build strong relationships with Specialty Carriers to ensure competitive pricing and access to coverage on various types of risk. Pre-qualify submissions and ensure focus on high probability sales opportunities, while following Carrier guidelines to maintain a profitable book of business. Develop and maintain deep expertise on insurance solutions for specific product lines, industry segments and business types. Analyze submissions from Retail Agents and quickly determine the best available Carrier, coverage, forms and premium. Gather information on client risks and determine potential areas of exposure RPS could also quote. Proactively stay abreast on relevant industry and market trends that impact underwriting guidelines, pricing and premiums. Ensure business partners understand RPS' full-range of risk solutions as their business needs evolve. May be assigned a support team to lead, train and oversee work product. Able to travel as needed. Detail-oriented; strong analytical skills and excellent communication and interpersonal skills. Business development skills. Builds relationships with Retail Brokers. Demonstrates appropriate urgency in driving towards production goals. Sets challenging revenue growth goals and develops and executes sales plans to ensure success. Leverages data and tools to identify client risks and develop a comprehensive insurance solution. Sets a high standard for responsiveness and commitment to meet the needs of Retailers and their clients. Conveys insurance and risk management expertise in ways that build trust, credibility and establishes RPS as the “one source” insurance provider. About You Required: Bachelor's degree and 3 years related experience required. Working knowledge of Microsoft Windows applications and Microsoft Office. Behaviors: Assignments are broad in nature and usually require originality and ingenuity. Compensation and benefits We offer a competitive and comprehensive compensation package. The base salary range represents the anticipated low end and high end of the range for this position. The actual compensation will be influenced by a wide range of factors including, but not limited to previous experience, education, pay market/geography, complexity or scope, specialized skill set, lines of business/practice area, supply/demand, and scheduled hours. On top of a competitive salary, great teams and exciting career opportunities, we also offer a wide range of benefits. Below are the minimum core benefits you'll get, depending on your job level these benefits may improve. Medical/dental/vision plans, which start from day one! Life and accident insurance 401(K) and Roth options Tax-advantaged accounts (HSA, FSA) Educational expense reimbursement Paid parental leave Other benefits include: Digital mental health services (Talkspace) Flexible work hours (availability varies by office and job function) Training programs Gallagher Thrive program - elevating your health through challenges, workshops and digital fitness programs for your overall wellbeing Charitable matching gift program And more... **The benefits summary above applies to fulltime positions. If you are not applying for a fulltime position, details about benefits will be provided during the selection process. We value inclusion and diversity We value inclusion and diversity. Click Here to review our U.S. Eligibility Requirements Inclusion and diversity (I&D) is a core part of our business, and it's embedded into the fabric of our organization. For more than 95 years, Gallagher has led with a commitment to sustainability and to support the communities where we live and work. Gallagher embraces our employees' diverse identities, experiences and talents, allowing us to better serve our clients and communities. We see inclusion as a conscious commitment and diversity as a vital strength. By embracing diversity in all its forms, we live out The Gallagher Way to its fullest. Gallagher believes that all persons are entitled to equal employment opportunity and prohibits any form of discrimination by its managers, employees, vendors or customers based on race, color, religion, creed, gender (including pregnancy status), sexual orientation, gender identity (which includes transgender and other gender non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or military status, citizenship status, or any other characteristic protected (herein referred to as “protected characteristics”) by applicable federal, state, or local laws. Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. In addition, Gallagher will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business. #J-18808-Ljbffr$52k-95k yearly est. 2d agoNon-QM Exception Desk Underwriter
NQM Funding
Underwriter job in Boca Raton, FL
Are you ready to advance your career in a dynamic, industry-leading environment? Join NQM Funding, LLC, a top secondary market investor renowned for our expertise and innovation in the Non-QM space. We operate both wholesale and correspondent channels, backed by our strong partnership with a global investment management firm. At NQM Funding, LLC, we offer cutting-edge programs, exceptional service, and highly competitive pricing. By joining our team, you ll have the opportunity to work with a focused and passionate group of professionals who are committed to shaping the future of Non-QM lending. We offer an environment where your expertise is valued and your career aspirations can flourish. If you re looking for a place to grow and make a tangible impact in the industry, NQM Funding, LLC is the perfect fit for you. Apply now to be part of a company that s redefining excellence in Non-QM lending! Our TPO Underwriting Department is looking to hire a Non-QM Exception Desk Underwriter. ALL REMOTE POSITIONS REQUIRE A DOWNLOAD SPEED OF NO LESS THAN 100 MBPS. Job Title: Non-QM Exception Desk Underwriter Reports To: AVP Non-QM Credit Risk FLSA Status: Non-Exempt Department: TPO Underwriting Division: TPO Salary Range: $90K to $110K per year Summary: Responsible for reviewing exception requests, gathering sufficient compensating factors, and making recommendations to Credit Leadership on exception requests. In addition, the Exception Desk Underwriter may be asked to review various loan components such as entity vesting documents, Power of Attorneys and Trusts. Finally, the Exception Desk Underwriter may help to resolve post-closing underwriting related issues. Duties and Responsibilities: Review Exception Requests and ensure sufficient compensating factors are identified for exception consideration, ensuring the Exception Request form is accurately completed, and approving exception requests within authority and/or escalating for leadership review Working with sales and operations partners on viability of exception requests and providing guidance on how to best structure a loan to obtain an exception. Reviewing entity documents to ensure all documents are present and executed property to comply with guidelines. Review Power Of Attorney requests to ensure compliance with guidelines. Review Trust Documentation to ensure compliance with guidelines. Provide rebuttals to investor conditions. Assist in obtaining necessary documents from TPOs as needed to satisfy investor requirement. Respond to audits and post-closing issues in a timely manner Maintain working knowledge of Non-QM/TPO guidelines and policies. Performs other related duties as assigned. Skills: Math and critical thinking skills Strong Communication Skills Ability to apply a flexible approach when problem solving Financial analysis Ability to analyze complex Corporate Tax Returns Education/Experience: Degree: High School Diploma or Equivalent. 5+ years Non-QM underwriting experience required. NQM Funding, LLC offers the following benefits: Medical Plan Dental Plan Vision Plan GAP Insurance Life Insurance paid by the company Voluntary Life Insurance 401K Pet Insurance Legal Shield/ID Shield Equal Employment Opportunity: NQM Funding, LLC management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. NQM Funding, LLC will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. NQM Funding, LLC will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to NQM Funding, LLC.$90k-110k yearly 41d agoNon-QM Exception Desk Underwriter
NQM Funding, LLC
Underwriter job in Boca Raton, FL
Job Description Are you ready to advance your career in a dynamic, industry-leading environment? Join NQM Funding, LLC, a top secondary market investor renowned for our expertise and innovation in the Non-QM space. We operate both wholesale and correspondent channels, backed by our strong partnership with a global investment management firm. At NQM Funding, LLC, we offer cutting-edge programs, exceptional service, and highly competitive pricing. By joining our team, you'll have the opportunity to work with a focused and passionate group of professionals who are committed to shaping the future of Non-QM lending. We offer an environment where your expertise is valued and your career aspirations can flourish. If you're looking for a place to grow and make a tangible impact in the industry, NQM Funding, LLC is the perfect fit for you. Apply now to be part of a company that's redefining excellence in Non-QM lending! Our TPO Underwriting Department is looking to hire a Non-QM Exception Desk Underwriter. ALL REMOTE POSITIONS REQUIRE A DOWNLOAD SPEED OF NO LESS THAN 100 MBPS. Job Title: Non-QM Exception Desk Underwriter Reports To: AVP Non-QM Credit Risk FLSA Status: Non-Exempt Department: TPO Underwriting Division: TPO Salary Range: $90K to $110K per year Summary: Responsible for reviewing exception requests, gathering sufficient compensating factors, and making recommendations to Credit Leadership on exception requests. In addition, the Exception Desk Underwriter may be asked to review various loan components such as entity vesting documents, Power of Attorneys and Trusts. Finally, the Exception Desk Underwriter may help to resolve post-closing underwriting related issues. Duties and Responsibilities: Review Exception Requests and ensure sufficient compensating factors are identified for exception consideration, ensuring the Exception Request form is accurately completed, and approving exception requests within authority and/or escalating for leadership review Working with sales and operations partners on viability of exception requests and providing guidance on how to best structure a loan to obtain an exception. Reviewing entity documents to ensure all documents are present and executed property to comply with guidelines. Review Power Of Attorney requests to ensure compliance with guidelines. Review Trust Documentation to ensure compliance with guidelines. Provide rebuttals to investor conditions. Assist in obtaining necessary documents from TPOs as needed to satisfy investor requirement. Respond to audits and post-closing issues in a timely manner Maintain working knowledge of Non-QM/TPO guidelines and policies. Performs other related duties as assigned. Skills: Math and critical thinking skills Strong Communication Skills Ability to apply a flexible approach when problem solving Financial analysis Ability to analyze complex Corporate Tax Returns Education/Experience: Degree: High School Diploma or Equivalent. 5+ years Non-QM underwriting experience required. NQM Funding, LLC offers the following benefits: Medical Plan Dental Plan Vision Plan GAP Insurance Life Insurance paid by the company Voluntary Life Insurance 401K Pet Insurance Legal Shield/ID Shield Equal Employment Opportunity: NQM Funding, LLC management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. NQM Funding, LLC will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. NQM Funding, LLC will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to NQM Funding, LLC.$90k-110k yearly 11d agoNon-QM Exception Desk Underwriter
Np Inc.
Underwriter job in Boca Raton, FL
Are you ready to advance your career in a dynamic industry leading environment Join NQM Funding LLC a top secondary market investor renowned for our expertise and innovation in the Non QM space We operate both wholesale and correspondent channels backed by our strong partnership with a global investment management firm At NQM Funding LLC we offer cutting edge programs exceptional service and highly competitive pricing By joining our team youll have the opportunity to work with a focused and passionate group of professionals who are committed to shaping the future of Non QM lending We offer an environment where your expertise is valued and your career aspirations can flourish If youre looking for a place to grow and make a tangible impact in the industry NQM Funding LLC is the perfect fit for you Apply now to be part of a company thats redefining excellence in Non QM lending Our TPO Underwriting Department is looking to hire a Non QM Exception Desk Underwriter ALL REMOTE POSITIONS REQUIRE A DOWNLOAD SPEED OF NO LESS THAN 100 MBPS Job Title Non QM Exception Desk Underwriter Reports To AVP Non QM Credit Risk FLSA Status Non Exempt Department TPO Underwriting Division TPO Salary Range 90K to 110K per year Summary Responsible for reviewing exception requests gathering sufficient compensating factors and making recommendations to Credit Leadership on exception requests In addition the Exception Desk Underwriter may be asked to review various loan components such as entity vesting documents Power of Attorneys and Trusts Finally the Exception Desk Underwriter may help to resolve post closing underwriting related issues Duties and Responsibilities Review Exception Requests and ensure sufficient compensating factors are identified for exception consideration ensuring the Exception Request form is accurately completed and approving exception requests within authority andor escalating for leadership review Working with sales and operations partners on viability of exception requests and providing guidance on how to best structure a loan to obtain an exception Reviewing entity documents to ensure all documents are present and executed property to comply with guidelines Review Power Of Attorney requests to ensure compliance with guidelines Review Trust Documentation to ensure compliance with guidelines Provide rebuttals to investor conditions Assist in obtaining necessary documents from TPOs as needed to satisfy investor requirement Respond to audits and post closing issues in a timely manner Maintain working knowledge of Non QMTPO guidelines and policies Performs other related duties as assigned Skills Math and critical thinking skills Strong Communication SkillsAbility to apply a flexible approach when problem solving Financial analysis Ability to analyze complex Corporate Tax ReturnsEducationExperience Degree High School Diploma or Equivalent 5 years Non QM underwriting experience required NQM Funding LLC offers the following benefits Medical PlanDental PlanVision PlanGAP InsuranceLife Insurance paid by the company Voluntary Life Insurance 401K Pet InsuranceLegal ShieldID ShieldEqual Employment Opportunity NQM Funding LLC management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race color creed age sex gender gender identity gender expression religion national origin ancestry marital status military or veteran status or obligation the presence of a physical andor mental disability or medical condition genetic information sexual orientation and all statuses protected by applicable state or local law in all recruiting hiring training compensation overtime position classifications work assignments facilities promotions transfers employee treatment and in all other terms and conditions of employment NQM Funding LLC will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same NQM Funding LLC will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to NQM Funding LLC$52k-95k yearly est. 41d agoMortgage Underwriter - Government
K. Hovnanian Companies
Underwriter job in Boynton Beach, FL
K. Hovnanian American Mortgage is uniquely positioned to deliver the keys to making our customer's dream of home ownership a reality better than any other lender. Why? Because K. Hovnanian Homes is celebrating over 65 years of quality and leadership in the home building industry and their homebuyers are our exclusive clients. These families have put their dreams in our hands, and you can as well. Acceptance or denial of a loan rests upon your analysis. Applicants, inspectors and creditors alike await the judgments of your keen examination of their forms and reports. Your findings weigh heavily on decisions that mean profit or loss and your ability to reason, analyze, calculate and draw fair and valid conclusions is well documented. Not only are you adept at weighing a multitude of factors to determine the degree of risk, but you have the communication skills to effectively present this information and respond to questions from customers and the general public, as well as to groups of managers and other Associates. Qualifications for this position include high school diploma or general education degree (GED) and two years government and conventional experience and/or training with a minimum of two years underwriting government and conventional products. Our commitment K. Hovnanian American Mortgage, LLC, an indirect subsidiary of Hovnanian Enterprises, Inc., a well-respected publicly traded company, is committed to providing an environment and programs that help our associates flourish. You can look forward to professional support and extensive benefits-including medical/dental/vision coverage, discounts on mortgages and home appliances, and a 401(k) plan with company match. Note to Search Firms K. Hovnanian American Mortgage, LLC is not accepting unsolicited assistance from search firms for this employment opportunity. Please, no phone calls or emails. All resumes submitted by search firms to any associate at K. Hovnanian via email, the Internet or in any form and/or method without a valid written search agreement in place for this position will be deemed the sole property of K. Hovnanian. No fee will be paid in the event the candidate is hired by K. Hovnanian as a result of the referral or through other means.$57k-103k yearly est. 60d+ agoSenior Underwriter
Choice Mortgage Group
Underwriter job in Boca Raton, FL
Our mortgage company is expanding, and we are seeking an experienced mortgage underwriter to join our growing team. You'll be responsible for ensuring real estate loan applications are completed with all required documents submitted correctly and loan files are in accordance with the latest investor guidelines and industry standards. The ideal candidate is an organized, detail-oriented professional who wants to play a key role on a winning team. If this sounds like you, apply today! Underwriter completes a thorough analysis of loan files to determine compliance with company, investor, Fannie Mae, Freddie Mac and FHA/VA guidelines. Underwrites the entire credit package and collateral for residential mortgage loans and ultimately ensures an “investment” quality loan product. Checks the accuracy of all calculations and data integrity. Completes all required underwriting worksheets and checklists Underwriter must be available to processors and loan officers or any other team members for general Underwriter guideline interpretations and questions on specific loan files. Responds to post-closing reviews and audits in a timely fashion. 10+ Years of mortgage underwriting experience required.$61k-89k yearly est. 19d agoMortgage Underwriter
Lendz Financial
Underwriter job in Fort Lauderdale, FL
Job Description Lendz Financial offers a full-service direct wholesale residential mortgage lending platform, focused on helping mortgage brokers grow their loan origination volume with simplified processes and intuitive, tech-based solutions. We emphasize a modern, customer-centric approach, offering competitive rates, a diverse range of products, and rapid turnaround times. Committed to delivering a world-class experience for our broker partners, we streamline the lending process to ensure a smooth journey from application to closing. Our core values-Thrive Together, Act Like an Owner, and Exceed Expectations-cultivate a collaborative, high-performance culture that drives our pursuit to become the undeniable leader in mortgage lending. Lendz is proud to be certified as a Great Place to Work! Lendz Financial offers a full-service direct wholesale residential mortgage lending platform, built to help mortgage brokers grow their businesses through simplified processes, intuitive technology, and a modern, customer-first approach. We provide competitive rates, a diverse Non-QM product suite, and fast turnaround times-backed by a collaborative, high-performance culture. Our core values-Thrive Together, Act Like an Owner, and Exceed Expectations-guide how we work, how we lead, and how we support one another. Lendz is proud to be certified as a Great Place to Work, and we're committed to developing talent that grows with us. About the Role Lendz Financial is seeking a motivated and detail-oriented Non-QM Underwriter to join our growing operations team. This role is ideal for an underwriter with a strong foundation in mortgage credit who is eager to deepen their Non-QM expertise and grow within a supportive, high-accountability environment. You'll underwrite complex loan files across Non-QM programs such as Bank Statement, DSCR, Asset Utilization, and 1099 income, while partnering closely with Sales, Account Managers, and Operations to deliver thoughtful, well-supported underwriting decisions. This is a fully remote position with clear performance expectations, ongoing coaching, and opportunities for professional growth. What You'll Do Underwrite residential mortgage loan applications in compliance with company, investor, and regulatory guidelines Analyze borrower credit, assets, and income, including complex income scenarios such as: Self-employed borrowers 1099 income Bank Statement programs Asset depletion and utilization Review and evaluate personal and business documentation, including 12- and 24-month bank statements, P&Ls, and cash flow statements Maintain an underwriting pipeline that meets established SLAs and productivity benchmarks Deliver clear, well-documented underwriting decisions and conditions aligned with program guidelines Provide written justification for loan decisions and required conditions Partner with Loan Officers, Account Managers, and Operations to resolve file-level questions and move loans efficiently toward closing Support quality control standards, including: Pre-closing defect rate below 10% Post-closing defect rate below 5% Stay current on Non-QM guideline updates, investor overlays, and regulatory requirements Contribute to a collaborative team environment focused on continuous improvement and shared success What We're Looking For 2-5 years of mortgage underwriting experience, including exposure to Non-QM or alternative documentation loans Working knowledge of Non-QM products such as: Bank Statement programs DSCR Asset Utilization 1099 income Strong analytical skills with the ability to evaluate complex borrower profiles Clear, professional written and verbal communication skills A coachable mindset with a desire to learn, grow, and evolve within the role Strong time management skills and the ability to prioritize in a fast-paced environment Sound judgment, attention to detail, and a high level of accountability What We Offer Highly subsidized medical insurance Low-cost dental and vision insurance 401(k) program Health Savings Account (HSA) Generous paid time off and company holidays Ongoing training, mentorship, and professional development opportunities A collaborative, supportive work environment that values ownership and growth$39k-69k yearly est. 5d agoSenior Underwriter
Business Financial Services Inc.
Underwriter job in Coral Springs, FL
Reporting Relationships The Senior Underwriter reports directly to the Sr. Operations Manager - Underwriting, and directly influences loan funding by offering or withholding approval of pending deals. The Sr. UW works independently and as part of an underwriting team that is skilled at providing financing options for small and mid-sized businesses. Primary Responsibilities The Sr. UW will: • Evaluate loan applications using a variety of reports and tools to make strong credit decisions (approval and funding amount decisions) • Demonstrate excellent due diligence and attention to detail when processing deals by placing emphasis on time, quantity of contracts processed, and quality of contracts approved • Make recommendations on applications to approve or decline when the application exceeds their funding authority, and be able to defend the recommendation with supporting detail • Review and interpret Commercial and Consumer Credit reports • Review all legal filings including UCC's, suits, judgments, liens, bankruptcies, and charge-offs and consider in the underwriting decision • Review bank statements to confirm monthly deposit volumes, sales volumes and account balances, and note any non-revenue items, suspicious transactions and consistent payments in or out of the account • Conduct social media searches to confirm that the business has a web presence, and relevant social media reviews of the business • Conduct merchant interviews when appropriate to better understand the business, the potential use of funds and the overall business viability • Review and interpret financial statements, including income statement, balance sheet and cash flow, and be able to calculate and interpret key financial ratios to understand the health of a business • Partner with multiple departments to create best practices and to expedite loan processing • Take ownership of funding decisions by understanding the risk/reward tradeoff and be able to support decisions with facts • Understand current trends and patterns to recognize emerging fraud and emerging early default indicators • Follow workflow processes to correctly identify needed supporting documentation, and perform all tasks accurately in accordance with the workflow • Review available reporting to identify opportunities to improve the business by lowering losses, increasing approvals, lowering costs or increasing revenue Knowledge, Skills and Abilities • BA/BS in Business, finance or accounting; MBA or Master's in finance/Accounting preferred • Minimum three years of experience in underwriting working for a reputable small business lending/funding company as an underwriter • Extensive experience in financial analysis • Previous experience in a lead or supervisory role is a plus • Ability to interpret and apply lending documentation, credit reports and income/asset calculations to make credit decisions • Strong communicator with excellent written and verbal communication skills • Exceptional attention to detail, and analytical skills • Exceptional organizational skills, adept multi-tasker and must maintain a heightened sense of urgency • Proficient in risk analysis, loss mitigation and understanding of loan profitability • Effective team player with the ability to work independently, exercise initiative and take ownership of projects, as well as work across functions to close loans • Commitment to learn about key internal operating units at BFS Capital and how they relate to the underwriting function and how the underwriting process can be improved • Willingness to adopt best practices and to participate in continuous improvement of the underwriting function • Word, Excel, PowerPoint, Outlook, Skype and Internet proficiency Compensation BFS offers competitive salaries and benefits, including medical, dental and vision insurance options.$62k-91k yearly est. Auto-Apply 60d+ agoSr. CRE & C&I Underwriter
Angott Search Group
Underwriter job in West Palm Beach, FL
Park Avenue Group, a subsidiary of Angott Search Group, is pleased to partner wit ha leading financial institution in their search for a skilled Senior Commercial Release and C&I Underwriter to lead a team in underwriting CRE and C&I loans up to $25 million. This role will focus on a variety of loan types including small construction projects, investment properties, retail centers, warehouses, and spec homes. Key Responsibilities: Lead and mentor a team of underwriters Underwrite complex CRE and C&I loans, ensuring sound credit decisions Analyze financial statements, market data, and collateral Collaborate with lenders and credit partners to structure deals that align with risk appetite Ensure compliance with internal policies and regulatory requirements Qualifications: 5+ years of experience in commercial credit underwriting (CRE and C&I focus) Strong knowledge of loan structures, financial analysis, and real estate markets Experience underwriting loans up to $25MM, including small construction and investment properties Leadership experience or strong leadership capabilities preferred Bachelor's degree in finance, accounting, or related field$42k-83k yearly est. 60d+ agoAssociate Underwriter - Wholesale Insurance Commercial Lines
Amwins
Underwriter job in Palm Beach Gardens, FL
At Amwins, we succeed together - and have a good time doing it. We know people don't leave companies. They leave cultures - which is why we work so hard on ours. At Amwins, we thrive on collaboration, not cutthroat competition. Our teams work together to help each other succeed, and we do right by our clients so they can do right by theirs. First and foremost, we invest in our employees. That investment shows in everything we do; education and development programs, comprehensive and competitive benefits, and an organizational structure that's 43% owned by employee shareholders. Our commitment to diversity, equity and inclusion helps cultivate an open, welcoming workplace that reflects the communities we serve. You will have the opportunity to volunteer within Amwins through a wide range of committees and in your community through the Amwins Foundation and Summer of Service. Working at Amwins means you love what you do, how you do it and, ultimately, who you do it with. Whether it's today or 150 years from now, we continue to invest in our culture and your development so opportunities for growth and career advancement are never in short supply. At Amwins, we win together - and have a good time doing it. Learn more about us at amwins.com. We see you in Amwins blue! Join our Amwins Access team in Palm Beach Gardens as an Associate Underwriter! This is a full time, in office position in our Palm Beach Gardens, FL office. We are looking for people with: 1-3 years of prior wholesale insurance experience required Prior commercial lines experience is a plus! Florida Property and Casualty License Highly organized with proactive mindset and strong problem-solving skills Strong written and verbal communication skills Ability to work within a fast paced environment and adapt to changes Microsoft Office proficiency with an emphasis in Excel spreadsheets Each Associate Underwriter provides vital team functions: Review submission information required to issue new or renewal quotes Rate and prepare new or renewal quotes as directed by Underwriter Review and handle inspection recommendations and discrepancies Monitor various reports for consistency Potential for policy issuance and endorsement processing, including audits Assist in accounting procedures such as invoicing Data entry into multiple internet based systems Snapshot of what Amwins provides to our team members: Compensation includes a salary commensurate with experience Annual bonus potential Broad benefits package available Most benefits available first day of employment Medical, Dental, Vision, Life, etc. Parental Leave, Adoption Assistance, Travel Reimbursement for healthcare, Retail Discount Program, Scholarships for dependents of Amwins employees, etc. Generous Paid Time Off and Company Holiday Schedule Collaborative, continuing education focused work environment Career advancement opportunities The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or physical requirements. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.$39k-74k yearly est. 18d agoCommercial Underwriter III
Seacoast National Bank
Underwriter job in Clewiston, FL
Commercial Underwriters support the revenue growth and asset quality of the commercial lending line of business by participating in new client relationship development activities, functioning as part of the lending partnership, monitoring existing client relationships, and managing credit risk to ensure that loans are quality assets and well-structured so as to mitigate portfolio risk. Understand the nature of the businesses and industries which the line of business serves. Promote and support the loan policies, credit culture, and strategic initiatives of the bank. Examine, evaluate, authorize, or recommend approval of customer applications for commercial loans. Effectively manage a commercial loan portfolio. Underwriters will utilize strong analytical skills, high-level understanding of business finance, and extensive knowledge to propose and provide solutions to meet customer needs. ESSENTIAL DUTIES AND RESPONSIBILITIES: * Analyze the financial information on existing and potential customers to assess the borrower's and guarantor's financial condition and ability to repay a loan request, perform periodic or annual reviews and covenant tests, or a loan modification. Investigate all available sources of credit and financial information including reporting services, credit bureaus, and other companies for trade references. Understand the market(s) and industry in which the customer does business. Assess the collateral pledged as security. Meet with and/or call borrower and accountants. * Prepare and present financial information, industry data, economic influences, and other market information in the required format and analyze in detail for trends, ratios, cash flow, etc. Prepare analytical credit memoranda which are accurate and insightful, which identify and examine all risks, analyze sources of repayment, cite policy exceptions, and evaluate collateral. Become subject matter expert. * Maintain a thorough understanding of the credit culture and loan policy to inform, articulate, and advise of risk appetite and policy adherence and exceptions. * Underwriters should be able to handle all loan types, including complex borrowers, with little to no direction, and should be able to negotiate structure with Commercial Bankers on underwriting assignments. * Ensure loan agreements are complete and accurate according to loan approval. Support timely loan closing and funding activities. * Manage loan portfolio to ensure conformity and servicing with approved terms and compliance with all loan documents. Be cognizant of any developing trends. Proactively work to identify weakness in loans to minimize the bank's exposure, reduce credit risk, and mitigate delinquency and loss. This includes an on-going understanding of any changes in the risk profile of all loans, monitoring borrowers' compliance to the loan documents, obtaining and reviewing any required documentation or reports in a timely fashion, monitoring loan payments, tracking covenant compliance, and performing periodic borrower reviews on a regular basis. * Utilize designated authorities judiciously. * Assist the Special Assets Department in the management of problem loans, supervision of Watch Loan plan execution, administration of non-accruals, and minimization of charge-offs. * Remain current on market and industry issues, trends, regulatory pronouncements, and analytical techniques. * Exercise time management and organizational skills. * Responsible for assisting other Underwriters to aid in covering overflow. * Adhere to Seacoast Bank's Code of Conduct. EDUCATION and/or EXPERIENCE: * A bachelor's degree (BS or BA) degree or higher from a four year accredited institution with a major in finance, accounting, or business preferred. * Minimum of ten years of relevant experience with commercial credit analysis, commercial lending, loan structuring, finance, underwriting, and portfolio management or equivalent. Competence may be demonstrated through one or a combination of the following: work experience, training, military experience, and/or education. Formal commercial credit training preferred. * Ability to develop and sustain analytic and risk management skills while actively participating in the successful execution of complex transactions. * Ability to apply sound judgment in the application of analytical conclusions to credit approval, loan structure, and management recommendations. * Familiarity with various industries and commercial property types. * Experience evaluating economic and market conditions in the markets or lines of business served. * Experience analyzing collateral and collateral valuation. * Knowledge of policies, procedures and operations of commercial lending including originations, underwriting, documentation, and credit risk analysis. * Formal credit training preferred. The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities. #LI-PF1$50k-71k yearly est. 60d+ agoMortgage Analyst
Quanta Search
Underwriter job in Fort Lauderdale, FL
We are seeking a Financial Analyst to analyze and interpret financial and market data. As a Financial Analyst you will be responsible for preparing financial reports, implementation of the budgeting and forecasting process, financial and variance analysis. Role Description This is a full-time role for a Mortgage Analyst at Mortgage Lender in Fort Lauderdale, FL. The Mortgage Analyst will be responsible for performing day-to-day tasks related to mortgage industry analysis and mortgage servicing. They will utilize their analytical skills to assess data, communicate effectively with stakeholders, and contribute to the underwriting process. Qualifications Mortgage Industry and Mortgage Servicing skills Strong analytical skills Effective communication skills Experience in underwriting Attention to detail Ability to work independently and collaboratively Proficient in relevant software and tools Knowledge of regulatory requirements Bachelor's degree in a related field YOU'RE GOING TO Assist in the preparation of financial reports With the help of computer spreadsheets, draw charts and graphs to illustrate technical reports Develop automated accounting and reporting applications to improve productivity Analyze and interpret key financial measurements (revenue, expense, profit, cash, yield, assets, liabilities) Interpret data on yield, price trends, risk, stability, economic influences, and other factors affecting company's investment programs Analyze financial performance and develop financial models Implement and perform budget and cashflow analysis Monitor variances, follow up on discrepancies Conduct business studies, review accounts, vendor reports, contractual terms, prices, and market oscillations Communicate or liaise with direct management, finance personnel and other analysts in meeting task assigned by the company Prepare ad-hoc analysis and reports as requested by the company IT'S IMPORTANT TO US THAT YOU HAVE Critical thinking and problem-solving abilities Data analytics and good IT skills Proficiency in SPSS, big data analysis, MS Access, Excel, Power-Point, accounting software (Oracle, Longvision), project management software, financial modelling, and analysis applications Good interpersonal skills, detail oriented, self-motivated, and organized Well-grounded in portfolio management, financial modelling, and statistical concepts Good research, quantitative, and analytical skills Good communication and presentation skills verbal and oral Ability to prioritize task, multitask, and work in a fast-paced environment Minimum of two year experience in a financial-related role is required, mortgage industry experience preferred Bachelor's degree in business, finance, accounting, or economics, or any finance related degree Thank you for illuminating hiring with Quanta Search! ********************$15k-52k yearly est. 60d+ agoService Finance Underwriter I
Truist
Underwriter job in Boca Raton, FL
**The position is described below. If you want to apply, click the Apply Now button at the top or bottom of this page. After you click Apply Now and complete your application, you'll be invited to create a profile, which will let you see your application status and any communications. If you already have a profile with us, you can log in to check status.** Need Help? (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/Career\_site\_FAQ-17**********0.pdf) _If you have a disability and need assistance with the application, you can request a reasonable accommodation. Send an email to_ Accessibility (careers@truist.com?subject=Accommodation%20request) _(accommodation requests only; other inquiries won't receive a response)._ **Regular or Temporary:** Regular **Language Fluency:** English (Required) **Work Shift:** 1st shift (United States of America) **Please review the following job description:** The Service Finance Consumer Loan Underwriter is responsible for the overall evaluation of the loan application to determine an approval or denial. Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. 1. Reviews and analyzes consumer credit reports 2. Ensures loans meet all program and product specifications 3. Ensures that documents are consistent and uphold to company and industry guidelines and uploaded for borrower signature 4. Communicates loan decisions and terms 5. Verifies accuracy of borrower's information on loan documents 6. Adheres to all loan funding operational policies that are consistent with overall policies and procedures and regulatory objectives of Service Finance 7. Acts as a liaison with dealer and other departments within Service Finance **Required Qualifications:** The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 1. 3 years minimum related experience 2. High school diploma or GED 3. Experience reading and understanding credit report 4. Proficiency with Microsoft Office Suite **Preferred Qualifications:** 1. Knowledge of consumer finance 2. Customer service experience **General Description of Available Benefits for Eligible Employees of Truist Financial Corporation:** All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position. Truist offers medical, dental, vision, life insurance, disability, accidental death and dismemberment, tax-preferred savings accounts, and a 401k plan to teammates. Teammates also receive no less than 10 days of vacation (prorated based on date of hire and by full-time or part-time status) during their first year of employment, along with 10 sick days (also prorated), and paid holidays. For more details on Truist's generous benefit plans, please visit our Benefits site (***************************** . Depending on the position and division, this job may also be eligible for Truist's defined benefit pension plan, restricted stock units, and/or a deferred compensation plan. As you advance through the hiring process, you will also learn more about the specific benefits available for any non-temporary position for which you apply, based on full-time or part-time status, position, and division of work. **_Truist is an Equal Opportunity Employer that does not discriminate on the basis of race, gender, color, religion, citizenship or national origin, age, sexual orientation, gender identity, disability, veteran status, or other classification protected by law. Truist is a Drug Free Workplace._** EEO is the Law (************************************************************************************************** E-Verify (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/E-Verify\_Participation\_Poster-17**********1.pdf) IER Right to Work (https://pp-cdn.phenompeople.com/CareerConnectResources/prod/TBJTBFUS/documents/IER\_RightToWorkPoster-17**********8.pdf)$29k-40k yearly est. 60d+ agoGrowth-Focused Insurance Underwriter & Broker
Arthur J. Gallagher & Co. (AJG
Underwriter job in Fort Lauderdale, FL
A leading insurance brokerage firm is seeking an Underwriter/Broker in New York to foster revenue growth through efficient underwriting services and building relationships with Retail Agents and Specialty Carriers. The ideal candidate will have a Bachelor's degree and at least 3 years of relevant experience. Responsibilities include business development, analyzing submissions, and ensuring competitive market access. We offer a competitive salary and comprehensive benefits, including medical coverage and flexible work hours. #J-18808-Ljbffr$41k-99k yearly est. 2d agoNon-QM Senior Underwriter
NQM Funding
Underwriter job in Boca Raton, FL
Are you ready to advance your career in a dynamic, industry-leading environment? Join NQM Funding, LLC, a top secondary market investor renowned for our expertise and innovation in the Non-QM space. We operate both wholesale and correspondent channels, backed by our strong partnership with a global investment management firm. At NQM Funding, LLC, we offer cutting-edge programs, exceptional service, and highly competitive pricing. By joining our team, you ll have the opportunity to work with a focused and passionate group of professionals who are committed to shaping the future of Non-QM lending. We offer an environment where your expertise is valued and your career aspirations can flourish. If you re looking for a place to grow and make a tangible impact in the industry, NQM Funding, LLC is the perfect fit for you. Apply now to be part of a company that s redefining excellence in Non-QM lending! Our TPO Underwriting Department is looking to hire a Non-QM Senior Underwriter supporting PST business hours. ALL REMOTE POSITIONS REQUIRE A DOWNLOAD SPEED OF NO LESS THAN 100 MBPS. Job Title: Non-QM Senior Underwriter Reports To: Non-QM Underwriting Team Lead/ AVP of Non-QM Underwriting FLSA Status: Non-Exempt Department: TPO Underwriting Division: TPO Salary Range: $105K to $125K per year Summary: Responsible for reviewing complex Non-QM mortgage applications, analyzing the applicants credit history, employment history, income, assets and collateral to access risk and make a final loan decision. Duties and Responsibilities: Complete thorough manual analysis of mortgage loan files to determine compliance with company guidelines, matrices, and procedures. Analyzing loan risk and requesting additional documentation as necessary. Calculate the borrower s income and analyze their ability to repay the mortgage obligation. Candidate must be familiar with not only traditional income doc types, but also non-traditional doc types offered in NonQM (bank statements, P&L, asset depletion, DSCR Cash Flow). Reviewing loan conditions as resubmitted. Making loan eligibility decisions by approving or rejecting loans, documenting the loan file appropriately and communicating the decisions effectively to all necessary parties. Maintain company productivity, service level and turn-time standards. Communicate effectively with sales, business partners (Brokers/NDC Clients), and internal team members. Respond to audits and post-closing issues in a timely manner. Maintain working knowledge of Non-QM, TPO and/or NDC guidelines and policies. Request exceptions and scenarios as needed. Mentor operations staff on underwriting deficiencies and calculation errors. Performs other related duties as assigned. Skills: Math and critical thinking skills Financial analysis Ability to analyze complex Corporate Tax Returns Strong Communication skills Ability to adapt to technology Working knowledge of Microsoft office Education/Experience: 5+ years prior underwriting experience Non-QM underwriting experience required Bachelor s Degree preferred NQM Funding, LLC offers the following benefits: Medical Plan Dental Plan Vision Plan GAP Insurance Life Insurance paid by the company Voluntary Life Insurance 401K Pet Insurance Legal Shield/ID Shield Equal Employment Opportunity: NQM Funding, LLC management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. NQM Funding, LLC will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. NQM Funding, LLC will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to NQM Funding, LLC$105k-125k yearly 5d agoNon-QM Senior Underwriter
NQM Funding, LLC
Underwriter job in Boca Raton, FL
Job Description Are you ready to advance your career in a dynamic, industry-leading environment? Join NQM Funding, LLC, a top secondary market investor renowned for our expertise and innovation in the Non-QM space. We operate both wholesale and correspondent channels, backed by our strong partnership with a global investment management firm. At NQM Funding, LLC, we offer cutting-edge programs, exceptional service, and highly competitive pricing. By joining our team, you'll have the opportunity to work with a focused and passionate group of professionals who are committed to shaping the future of Non-QM lending. We offer an environment where your expertise is valued and your career aspirations can flourish. If you're looking for a place to grow and make a tangible impact in the industry, NQM Funding, LLC is the perfect fit for you. Apply now to be part of a company that's redefining excellence in Non-QM lending! Our TPO Underwriting Department is looking to hire a Non-QM Senior Underwriter supporting PST business hours. ALL REMOTE POSITIONS REQUIRE A DOWNLOAD SPEED OF NO LESS THAN 100 MBPS. Job Title: Non-QM Senior Underwriter Reports To: Non-QM Underwriting Team Lead/ AVP of Non-QM Underwriting FLSA Status: Non-Exempt Department: TPO Underwriting Division: TPO Salary Range: $105K to $125K per year Summary: Responsible for reviewing complex Non-QM mortgage applications, analyzing the applicants credit history, employment history, income, assets and collateral to access risk and make a final loan decision. Duties and Responsibilities: Complete thorough manual analysis of mortgage loan files to determine compliance with company guidelines, matrices, and procedures. Analyzing loan risk and requesting additional documentation as necessary. Calculate the borrower's income and analyze their ability to repay the mortgage obligation. Candidate must be familiar with not only traditional income doc types, but also non-traditional doc types offered in NonQM (bank statements, P&L, asset depletion, DSCR Cash Flow). Reviewing loan conditions as resubmitted. Making loan eligibility decisions by approving or rejecting loans, documenting the loan file appropriately and communicating the decisions effectively to all necessary parties. Maintain company productivity, service level and turn-time standards. Communicate effectively with sales, business partners (Brokers/NDC Clients), and internal team members. Respond to audits and post-closing issues in a timely manner. Maintain working knowledge of Non-QM, TPO and/or NDC guidelines and policies. Request exceptions and scenarios as needed. Mentor operations staff on underwriting deficiencies and calculation errors. Performs other related duties as assigned. Skills: Math and critical thinking skills Financial analysis Ability to analyze complex Corporate Tax Returns Strong Communication skills Ability to adapt to technology Working knowledge of Microsoft office Education/Experience: 5+ years prior underwriting experience Non-QM underwriting experience required Bachelor's Degree preferred NQM Funding, LLC offers the following benefits: Medical Plan Dental Plan Vision Plan GAP Insurance Life Insurance paid by the company Voluntary Life Insurance 401K Pet Insurance Legal Shield/ID Shield Equal Employment Opportunity: NQM Funding, LLC management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. NQM Funding, LLC will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. NQM Funding, LLC will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to NQM Funding, LLC$105k-125k yearly 5d agoSenior Underwriter
Choice Mortgage Group
Underwriter job in Boca Raton, FL
Job Description Our mortgage company is expanding, and we are seeking an experienced mortgage underwriter to join our growing team. You'll be responsible for ensuring real estate loan applications are completed with all required documents submitted correctly and loan files are in accordance with the latest investor guidelines and industry standards. The ideal candidate is an organized, detail-oriented professional who wants to play a key role on a winning team. If this sounds like you, apply today! Compensation: $75,000 plus per file bonus of underwritten files Responsibilities: Provide necessary documentation/communication regarding approval or rejection of loans to loan officers Research applicant's employment and financial history to help determine the accuracy of application and documents Make sure that after information is collected that it is correct, compliance standards are met, and it is in alignment with company policies Send requests as needed for any additional information that will help determine loan risk Review all mortgage applications and supporting documents to ensure all necessary information is included for approval Underwriter completes a thorough analysis of loan files to determine compliance with company, investor, Fannie Mae, Freddie Mac and FHA/VA guidelines. Underwrites the entire credit package and collateral for residential mortgage loans and ultimately ensures an “investment” quality loan product. Checks the accuracy of all calculations and data integrity. Completes all required underwriting worksheets and checklists Underwriter must be available to processors and loan officers or any other team members for general Underwriter guideline interpretations and questions on specific loan files. Responds to post-closing reviews and audits in a timely fashion. Qualifications: Knowledgeable in automated underwriting systems and Microsoft office Knowledge of home loans and residential mortgages such as conventional, VA, FHA, and USDA loans, and loan products Must hold a Bachelor's degree in business, banking or similar field Excellent decision-making and communication skills 2+ years of mortgage underwriting experience or mortgage lending experience is required 10+ Years of mortgage underwriting experience required. About Company Choice Mortgage Group is not your typical lender. We're a forward-thinking, growth-driven company leveraging innovative technology and creative sales strategies to deliver a streamlined, customer-first mortgage experience. While others have slowed down, we've accelerated - and now we're looking for the right person to grow with us. Our Core Values are simple: we want to create a WOW experience for clients, our referral partners, and our employees.$75k yearly 20d agoCommercial Underwriter III
Seacoast National Bank
Underwriter job in West Palm Beach, FL
Commercial Underwriters support the revenue growth and asset quality of the commercial lending line of business by participating in new client relationship development activities, functioning as part of the lending partnership, monitoring existing client relationships, and managing credit risk to ensure that loans are quality assets and well-structured so as to mitigate portfolio risk. Understand the nature of the businesses and industries which the line of business serves. Promote and support the loan policies, credit culture, and strategic initiatives of the bank. Examine, evaluate, authorize, or recommend approval of customer applications for commercial loans. Effectively manage a commercial loan portfolio. Underwriters will utilize strong analytical skills, high-level understanding of business finance, and extensive knowledge to propose and provide solutions to meet customer needs. ESSENTIAL DUTIES AND RESPONSIBILITIES: * Analyze the financial information on existing and potential customers to assess the borrower's and guarantor's financial condition and ability to repay a loan request, perform periodic or annual reviews and covenant tests, or a loan modification. Investigate all available sources of credit and financial information including reporting services, credit bureaus, and other companies for trade references. Understand the market(s) and industry in which the customer does business. Assess the collateral pledged as security. Meet with and/or call borrower and accountants. * Prepare and present financial information, industry data, economic influences, and other market information in the required format and analyze in detail for trends, ratios, cash flow, etc. Prepare analytical credit memoranda which are accurate and insightful, which identify and examine all risks, analyze sources of repayment, cite policy exceptions, and evaluate collateral. Become subject matter expert. * Maintain a thorough understanding of the credit culture and loan policy to inform, articulate, and advise of risk appetite and policy adherence and exceptions. * Underwriters should be able to handle all loan types, including complex borrowers, with little to no direction, and should be able to negotiate structure with Commercial Bankers on underwriting assignments. * Ensure loan agreements are complete and accurate according to loan approval. Support timely loan closing and funding activities. * Manage loan portfolio to ensure conformity and servicing with approved terms and compliance with all loan documents. Be cognizant of any developing trends. Proactively work to identify weakness in loans to minimize the bank's exposure, reduce credit risk, and mitigate delinquency and loss. This includes an on-going understanding of any changes in the risk profile of all loans, monitoring borrowers' compliance to the loan documents, obtaining and reviewing any required documentation or reports in a timely fashion, monitoring loan payments, tracking covenant compliance, and performing periodic borrower reviews on a regular basis. * Utilize designated authorities judiciously. * Assist the Special Assets Department in the management of problem loans, supervision of Watch Loan plan execution, administration of non-accruals, and minimization of charge-offs. * Remain current on market and industry issues, trends, regulatory pronouncements, and analytical techniques. * Exercise time management and organizational skills. * Responsible for assisting other Underwriters to aid in covering overflow. * Adhere to Seacoast Bank's Code of Conduct. EDUCATION and/or EXPERIENCE: * A bachelor's degree (BS or BA) degree or higher from a four year accredited institution with a major in finance, accounting, or business preferred. * Minimum of ten years of relevant experience with commercial credit analysis, commercial lending, loan structuring, finance, underwriting, and portfolio management or equivalent. Competence may be demonstrated through one or a combination of the following: work experience, training, military experience, and/or education. Formal commercial credit training preferred. * Ability to develop and sustain analytic and risk management skills while actively participating in the successful execution of complex transactions. * Ability to apply sound judgment in the application of analytical conclusions to credit approval, loan structure, and management recommendations. * Familiarity with various industries and commercial property types. * Experience evaluating economic and market conditions in the markets or lines of business served. * Experience analyzing collateral and collateral valuation. * Knowledge of policies, procedures and operations of commercial lending including originations, underwriting, documentation, and credit risk analysis. * Formal credit training preferred. The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities. #LI-PF1$50k-71k yearly est. 60d+ agoUnderwriting Scenario Desk Specialist
Lendz Financial
Underwriter job in Fort Lauderdale, FL
Lendz Financial offers a full-service direct wholesale residential mortgage lending platform, focused on helping mortgage brokers grow their loan origination volume with simplified processes and intuitive, tech-based solutions. We emphasize a modern, customer-centric approach, offering competitive rates, a diverse range of products, and rapid turnaround times. Committed to delivering a world-class experience for our broker partners, we streamline the lending process to ensure a smooth journey from application to closing. Our core values-Thrive Together, Act Like an Owner, and Exceed Expectations-cultivate a collaborative, high-performance culture that drives our pursuit to become the undeniable leader in mortgage lending. Lendz is proud to be certified as a Great Place to Work! Job Summary: Lendz Financial is seeking a knowledgeable and resourceful Underwriting Scenario Desk Specialist to act as a trusted internal partner to our Account Executives. Reporting directly to the VP of Lending, you'll play a vital role in helping our sales team confidently navigate complex loan scenarios and align borrower profiles with the right non-QM loan offerings. As a key member of our sales support function, you'll serve as the go-to expert for scenario reviews - offering clear, accurate guidance on program eligibility, structuring, and guideline interpretation. You'll bridge the gap between Sales and Operations, using your deep product knowledge and strong communication skills to ensure quick, reliable answers that keep deals moving. If you're known as the person others turn to for tricky files and have a background in working closely with AEs or in a scenario desk-type environment (preferably non-QM), this is your opportunity to shine. Responsibilities: submitting loan prequalifications in our PQ system Serve as a subject matter expert on all non-QM loan programs, guidelines, and eligibility criteria. Provide scenario-based support to Account Executives to determine loan viability and product fit across multiple channels, including in-person consultations, active monitoring and engagement in the Scenario Slack Channel, and timely management of the Scenario Inbox. Collaborate closely with Operations, Underwriting, and Sales to streamline communication and resolve guideline-related questions quickly. Maintain up-to-date knowledge of program updates and translate changes into clear guidance for the sales team. Partner with the VP of Lending to identify trends in inquiries, provide feedback on guideline pain points, and recommend training or updates. Document common scenarios and create reference materials or FAQ content to support AE enablement. Support the sales with escalated or complex cases as needed. Perform other related duties and projects as assigned. Qualifications: 5+ years in a mortgage lending role such as Underwriter, Account Manager, Processing Manager, or Sales Support. 1+ year non-QM experience. Strong knowledge of non-QM guidelines and loan program structuring. Excellent communication and problem-solving skills - you enjoy helping others understand the “why.” Ability to analyze loan scenarios and give clear, confident recommendations. Comfortable working cross-functionally and independently in a fast-paced environment. Tech-savvy and adaptable - we use platforms like Salesforce, Slack and Dialpad. High School diploma or GED is required. Ability to demonstrate a sense of urgency and good judgement Benefits: Competitive compensation structure Highly subsidized medical insurance Low-cost dental and vision insurance 401k program HSA Dynamic and friendly environment Learning and development opportunities$41k-81k yearly est. Auto-Apply 13d agoNon-QM Junior Underwriter
NQM Funding, LLC
Underwriter job in Boca Raton, FL
Job Description Are you ready to advance your career in a dynamic, industry-leading environment? Join NQM Funding, LLC, a top secondary market investor renowned for our expertise and innovation in the Non-QM space. We operate both wholesale and correspondent channels, backed by our strong partnership with a global investment management firm. At NQM Funding, LLC, we offer cutting-edge programs, exceptional service, and highly competitive pricing. By joining our team, you'll have the opportunity to work with a focused and passionate group of professionals who are committed to shaping the future of Non-QM lending. We offer an environment where your expertise is valued and your career aspirations can flourish. If you're looking for a place to grow and make a tangible impact in the industry, NQM Funding, LLC is the perfect fit for you. Apply now to be part of a company that's redefining excellence in Non-QM lending! Our TPO Underwriting Department is looking to hire a Non-QM Junior Underwriter. ALL REMOTE POSITIONS REQUIRE A DOWNLOAD SPEED OF NO LESS THAN 100 MBPS. Job Title: Non-QM Junior Underwriter Reports To: Non-QM Underwriting Team Lead/ AVP of Non-QM Underwriting FLSA Status: Non-Exempt Department: TPO Underwriting Division: TPO Salary Range: $75K to $95K per year Summary: Responsible for assisting underwriting team by reviewing conditions and completing clear to close reviews on loans. Duties and Responsibilities: Review and clear underwriting conditions to ensure documents provided meet the guideline requirements. Update LOS based on documents received and ensure the doc imaging system is properly updated as well. Print final loan documents into the file as required. Complete Checklist while reviewing loans for clear to close. Ensure all requirements have been satisfied prior to issuing the clear to close. Work with closing department to resolve discrepancies between final loan approval and closing terms (i.e. - PITIA, cash to close, seller credits, etc.). Review and clear post-closing underwriting conditions to allow for timely funding or purchasing of loans. Ensure once all information is gathered that it is accurate, compliance standards are met, and the decision is in line with company policies and guidelines. Communicate effectively with sales, business partners (Brokers/NDC Clients), and internal team members. Maintain company productivity, service level and turn-time standards. Respond to audits and post-closing issues in a timely manner. Maintain working knowledge of Non-QM, TPO and/or NDC guidelines and policies. Performs other related duties as assigned. Skills: Math and critical thinking skills Financial analysis Strong Communication skills Ability to adapt to technology Working knowledge of Microsoft office Ability to meet deadlines Education/Experience: 3+ years prior mortgage experience 2+ years processing or junior underwriting experience Non-QM underwriting experience preferred Bachelor's Degree preferred NQM Funding, LLC offers the following benefits: Medical Plan Dental Plan Vision Plan GAP Insurance Life Insurance paid by the company Voluntary Life Insurance 401K Pet Insurance Legal Shield/ID Shield Equal Employment Opportunity: NQM Funding, LLC management will maintain and observe personnel policies which will not discriminate or permit harassment or retaliation against a person because of race, color, creed, age, sex, gender, gender identity, gender expression, religion, national origin, ancestry, marital status, military or veteran status or obligation, the presence of a physical and/or mental disability or medical condition, genetic information, sexual orientation, and all statuses protected by applicable state or local law in all recruiting, hiring, training, compensation, overtime, position classifications, work assignments, facilities, promotions, transfers, employee treatment, and in all other terms and conditions of employment. NQM Funding, LLC will also prohibit retaliation against individuals for raising a complaint of discrimination or harassment or participating in an investigation of same. NQM Funding, LLC will also reasonably accommodate qualified individuals with a disability so that they can apply for a job or perform the essential functions of a job unless doing so causes a direct threat to these individuals or others in the workplace and the threat cannot be eliminated by reasonable accommodation or if the accommodation creates an undue hardship to NQM Funding, LLC$75k-95k yearly 4d ago
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How much does an underwriter earn in Palm Beach Gardens, FL?
The average underwriter in Palm Beach Gardens, FL earns between $30,000 and $91,000 annually. This compares to the national average underwriter range of $39,000 to $96,000.
Average underwriter salary in Palm Beach Gardens, FL
$52,000
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