Underwriter jobs in Saint Paul, MN

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

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. 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.

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 Alerus ABOUT THE ROLE: The Underwriter II, CRE is accountable for portfolio of commercial loans generally varying in loan relationships size of $750,000 to $3,500,000, including underwriting credit risk and granting credit approval within prescribed level of loan authority in conjunction with Lead or Senior Underwriters, or presenting credit recommendation to Loan Committee; facilitating loan closing; and servicing booked loans. Contributes to effective risk management through ordering and execution of loan documentation and ongoing monitoring of customer-supplied information and collateral administration. WHAT YOU'LL BE DOING: Provide in-depth credit and risk analysis and communicate underwriting results with Financial Guide and customer. Approve or decline commercial credit applications to contribute to sound loan portfolio management. Develop a comprehensive understanding of customer's financial needs and formulate a plan for loan structure and servicing. Perform financial statement forecasting and sensitivity analysis to determine borrower's capacity to repay debt. Write credit narratives and perform risk assessments of product, policy, structure, terms, and customer financial strength. Independently grade all credits in accordance with the bank's credit classification system. Ensure proper documentation and closing of loan transactions and conduct ongoing account monitoring. Meet with customers to close loan transactions and maintain consulting credit relationships. Identify potential new lending needs in existing relationships and suggest solutions. Participate in research projects and maintain industry knowledge. WHAT YOU SHOULD HAVE: Bachelor's degree or equivalent education to include upper-level courses in finance and accounting. 5-7 years of experience working with Ag or commercial loans. In-depth knowledge of advanced loan documentation, banking laws, and regulations preferred. Experience assessing, selling, and closing all types of agricultural, commercial, and commercial real estate loans. 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: $80,000 - $110,000 annually 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.

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

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.

An Underwriter joining the Alive Risk team will be responsible for managing a portfolio of accounts and driving new and renewal business opportunities for Sports, Entertainment, and Amusement insurance. The role assesses risks associated with insuring properties and liabilities, evaluates applications, analyzes data, and determines coverage terms and premiums to ensure sound underwriting decisions. They develop and maintain underwriting practices and guidelines as per delegated authority and build relationships with brokers and other stakeholders in the designated portfolio. What will your job entail? • Underwrites new and renewal sports, amusement, and entertainment business, analyzes policy forms, broker endorsement requests, and submitted documentation as per company underwriting standards and guidelines and obtains additional information as needed. • Determines whether to accept, modify or decline a risk through evaluation of the coverage value, location, usage, safety features, and other factors pertinent to the decision. • Determines appropriate coverage limits and insurance premiums, policy terms and conditions based on risk assessment and underwriting guidelines and ensures active portfolio management of Alive Risk accounts. • Delivers services for new Alive Risk business and renewals while demonstrating professionalism, technical knowledge, and adherence to underwriting guidelines. • Examines, identifies, and evaluates exposures and ensures compliance with state and country laws and guidelines established by carriers and the organization. • Provides premium forecasts and business plans to support budget and performance targets. • Maintains existing broker relationships and collaborates across teams to manage production activities such as submissions, quotes, declines, binds, issuance to provide accurate, timely, and quality service to clients. • Builds professional, long-term relationships in the designated portfolio and as per delegated authority limits and partners with brokers to create customized insurance solutions as needed to service a client. • Creates opportunities for new business, maximizes retention of assigned portfolio and ensures timely review of renewal business to achieve business targets. • Executes marketing activities, attends seminars and training, and stays abreast on market dynamics and underwriting trends. • Stays informed about industry trends, emerging risks in the property and casualty sector, terminology, regulations and adjusts underwriting strategies accordingly. Work Experience and Education: • Bachelor's degree or Master's degree in Risk Management, Actuarial and Business Administration required. Any other related discipline or commensurate work experience considered. • 5+ years of experience in Sports, Entertainment, or Amusement preferred, or Property and Casualty experience with an interest in specializing in Alive Risk. Licenses & Certifications: • Must meet minimum requirements for state P&C and/or surplus line licenses. • Chartered Property Casualty Underwriter (CPCU) is a plus. Ryan Specialty is an Equal Opportunity Employer. We are committed to building and sustaining a diverse workforce throughout the organization. Our vision is an inclusive and equitable workplace where all employees are valued for and evaluated on their performance and contributions. Differences in race, creed, color, religious beliefs, physical or mental capabilities, gender identity or expression, sexual orientation, and many other characteristics bring together varied perspectives and add value to the service we provide our clients, trading partners, and communities. This policy extends to all aspects of our employment practices, including but not limited to, recruiting, hiring, discipline, firing, promoting, transferring, compensation, benefits, training, leaves of absence, and other terms, conditions, and benefits of employment. How We Support Our Teammates Ryan Specialty seeks to offer our employees a comprehensive and best-in-class benefits package that helps them - and their family members - achieve their physical, financial, and emotional well-being goals. In addition to paid time off for company holidays, vacation, sick and personal days, Ryan offers paid parental leave, mental health services and more. The target salary range for this position is $92,000.00 - $115,000.00 annually. The wage range for this role considers many factors, such as training, transferable skills, work experience, licensure and certification, business needs, and market demands. The pay range is subject to change and may be modified in the future. Full-time roles are eligible for bonuses and benefits. For additional information on Ryan Specialty Total Rewards, visit our website ***************************** We provide individuals with disabilities reasonable accommodations to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment in accordance with applicable law. Please contact us to request an accommodation at ************* The above is intended to describe this job's general requirements. 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 essential functions.

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.

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.

**Come join our amazing team and work Remote !** We are hiring Underwriters for our Non- Agency Products- NO DE REQUIRED! The Wholesale Underwriter will underwrite loans in accordance with Company and Investor guidelines following company's policies and procedures under general supervision. Our loan product offers extremely competitive rates and terms- the best in the industry. Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, wherein the company operates. The target pay range for this position is $90,000.00 to $120,000.00 + Monthly Incentive plan. **What you'll do:** + A thorough knowledge of **Non Agency or NON QM** mortgage loan underwriting. + Maintains highly confidential information concerning loan applicants. + Requires high level of organizational skills and ability to work on several tasks simultaneously + Performs a thorough analysis of collateral to ensure property meets investor guidelines and the appraisal quality and completeness is acceptable. + Applies and interprets company underwriting guidelines and makes sound credit decision. + Completes credit, analysis of income, analysis of property, ensures proper audits are completed and verifies consistency of loan file information. + Identifies risk factors within each loan and utilizes resources, tools and documentation to detect red flags and clear inconsistencies. + Reviews and evaluates credit information on mortgage loan documents to determine acceptability for specific loan programs. + Determines any conditions, stipulations or pre-funding requirements. + Reviews and clears underwriting conditions, stipulations or pre-funding requirements received. + Communicates with clients, sales teams and operations teams to resolve outstanding issues as they arise **What you'll need:** + 5+ years mortgage underwriting work experience. + Experience Underwriting Non Agency or Non QM Loans + Paperless Loan Origination System experience preferred. + DU and LP experience required. + Experience working in a paperless environment preferred. **Our Company:** Carrington Mortgage Services-Wholesale Lending is part of The Carrington Companies. We provide third-party originators, mortgage brokers and financial institutions with access to government and conventional loan programs, as well as low credit score home financing and low down payment options. We hope you'll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: *************************** . **What is the value proposition to joining the team?** + Increased earning capacity due to access to our 48 state territory. + Ability to market faster and more efficiently inside the operation. + Superior service levels offered to the broker as you're inside presence ensures every step of the loan process is handled in the most efficient manner possible. + Professional account manager's partner with you and your brokers to add value every step of the way. + Base pay plus an industry leading commission plan. + Take over existing accounts. **What We Offer:** + Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed. + Access to several fitness, restaurant, retail (and more!) discounts through our employee portal. + Customized training programs to help you advance your career. + Employee referral bonuses so you'll get paid to help Carrington and Vylla grow. + Educational Reimbursement. + Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org. Carrington is an equal opportunity employer. It is the policy of the company that applicants be considered for positions for which they qualify without regard to race, color, religion, sex, gender identity, national origin, ancestry, age, marital status, sexual orientation, protected veterans status, physical or mental disability or any other legally protected category. Carrington will make reasonable accommodations for known physical or mental limitations of a qualified applicant or employee with a disability unless the accommodation will impose an undue hardship on the company.

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)

* Please note that this role is open to Denver, Dallas, Minneapolis, and Remote The position requires expert mortgage underwriting and credit knowledge, clear communication skills, consistently outstanding client service, and proven problem solving and decision-making skills. The successful candidate must have a high level of interaction with internal parties (trading, sales, legal and compliance, structured finance) and external parties (Sellers, 3rd party service providers). This position requires the candidate to be a subject matter expert in the conforming and non-conforming space for Non-QM loans. Responsibilities & Duties * Ability to analyze the underwriting of conventional and jumbo Non-QM mortgage loans in a timely manner for completeness and compliance with Redwood purchase guidelines and approved Seller variances * Must be able to analyze multiple alternative income methods of income, (ie: complicated tax returns, bank statements, DSCR, 1099, asset depletion.) * Manage loan conditions from credit, property, and compliance reviews with Sellers and external 3rd party service due diligence providers * Evaluate and provide recommendations for underwriting waivers and eligibility exceptions * Clearly communicate, in written and verbal form, compensating factors to justify exceptions * Provide support to Redwood Sellers by evaluating and supplying feedback on loan scenarios, at times based on limited information * Understand and effectively work with Seller variances to product eligibility and underwriting guidelines * Participate in and provide clear feedback on credit policy recommendations * Maintain strong knowledge of mortgage compliance rules agency underwriting guidelines and industry standards for appraisal requirements and regulatory compliance * Participate in evaluating current loan review processes and provide feedback and recommendations to increase efficiency and risk management capabilities * Participate with Credit in onboarding new Non-QM sellers and provide underwriting training as needed * Consistently access third party services (valuation, fraud, compliance) to provide valuable input for loan decisions Required Experience & Education * 7+ years of recent mortgage industry experience * 3+ years recent conforming Non-QM underwriting experience * 3+ years of recent jumbo Non-QM underwriting or complex/alternative income analysis * Expert underwriting knowledge and extensive experience with loan origination documentation as well Fannie and Freddie selling guides * Technologically savvy, with the ability to work in varied systems * Proficiency with Excel, loan origination systems, automated underwriting engines, electronic document management and other systems * High attention to detail and effective problem-solving skills * Excellent client service skills * Excellent oral and written communication skills * Excellent multi-tasking skills and ability to manage multiple tasks simultaneously * Analytical thinking ability, diplomacy and professionalism A reasonable estimate of the total compensation range for this role is $92,000-$112,000. The actual salary offer to the successful candidate will be based on job-related education, geographic location, training, licensure and certification, and other factors. CoreVest also offers a competitive benefit package including discretionary corporate bonus program, multiple health plans, STD and LTD options, company sponsored life insurance, fitness reimbursement, paid parental leave, time to volunteer, Paid Time off, ESPP, and 401K matching. At Redwood Trust, we are committed to fostering an inclusive workplace where diversity is valued, and everyone has the opportunity thrive. We welcome applications from individuals of all backgrounds and experiences. We are 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.

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.

Essential Job Duties and Responsibilities: Examines insurance documents such as applications, production reports, acreage reports, and applies underwriting rules. Enters information into the computer, including policy information, production data, acreage report data, etc. and updates records. Confirms accuracy of information against edits and corrects errors. Communicates by phone and by letter with agents, FSA county offices, field personnel, and policyholders to obtain information, records, and to answer questions and inquiries. Reviews and analyzes scanned document images and routes to appropriate work queues. Prepares, prints, and analyzes a variety of reports and policy forms. Assists with training of Underwriting Assistant and part-time personnel, as necessary. Assists with other duties as necessary. Knowledge, Skills, and Abilities Knowledge of or the ability to learn MPCI program and the applicable underwriting rules and procedures. Ability to learn and understand what information is needed to process insurance policies, FCIC rules and regulations, policy provision, etc. Ability to understand printed policy information, such as manuals, handbooks, and actuarial documents and to apply information to work tasks. Basic keyboarding skills, ten-key skills, and the ability to rapidly and accurately enter information into the computer. Ability to comprehend agents' questions and concerns over the telephone and to provide correct, courteous answers. Ability to organize and prioritize multiple tasks. Ability to effectively communicate and maintain business relationships with company personnel, outside resources and customers. Ability to learn and apply company terminology, processes, and systems. Ability to learn and develop skills in the use of department equipment. Ability to perform basic and complex mathematical calculations. Ability to remain calm and professional. Ability to work well with people in a team environment. Ability to work from oral and written communications. Ability to maintain confidentiality. Ability to assist in other work-related areas as required. The pay range for the role is $36,900.00 to $62,800.00. The specific offer will depend on an applicant's skills and other factors. This role may also be eligible to participate in a discretionary annual incentive program. Chubb offers a comprehensive benefits package, more details on which can be found on our careers website. The disclosed pay range estimate may be adjusted for the applicable geographic differential for the location in which the position is filled. High School or GED required and at least 6 months as an Underwriter Assistant at Rain and Hail or at least one year of previous crop underwriting experience or a baccalaureate degree.

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

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

When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide: + Award-winning culture + Inclusion and diversity as a priority + Performance Based Incentive Plans + Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability + Generous PTO (including paid time to volunteer!) + Up to 9.5% 401(k) employer contribution + Mental health support + Career advancement opportunities + Student loan repayment options + Tuition reimbursement + Flexible work environments **_*All the benefits listed above are subject to the terms of their individual Plans_** **.** And that's just the beginning... With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today! **General Summary:** The Senior Underwriter will demonstrate strong risk evaluation, selection and retention of profitable business within assigned authority limits. This also requires a strong ability to partner with Company sales teams, brokers and all internal partners. **Principal Duties and Responsibilities** + Consult with sales and service partners to provide the products and plan options that best meet the needs of our customers. + Evaluate and select risk to ensure the profitable acquisition of new cases and the continued profitable retention of in force cases. + Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met. Identify and analyze risk trends, making recommendations for addressing these + Maintain a fully developed knowledge of the Company's products, the sales, implementation, and enrollment processes, and market place influences + Deliver dependable, accurate, and timely service while maintaining relationships with internal and external partners + Assist with training, technical development and mentoring more junior underwriters **Job Specifications** + Bachelors degree or equivalent, relevant business experience + Demonstrated, consistent proficiency at Underwriter level + Fully developed knowledge of product provisions, plan designs, pricing and contractual benefits + Strong technical expertise in risk selection + Demonstrated understanding of top-line and bottom-line objectives + Exhibit strong knowledge of sales/distribution process and market trends + Solid mentoring and coaching skills + Strong creative problem solving skills + Strong critical thinking/analytical reasoning skills + Strong communication skills, both verbal and written + Strong organizational skills and ability to handle multiple priorities + Strong ability to be persuasive and to negotiate + Demonstrated ability to work both independently and in a team environment + Exhibit a strong commitment to quality and personal ownership of results \#LI-JQ1 ~IN1 Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide. Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status. The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience. $53,300.00-$100,700.00 Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans. Company: Unum

About Blue Cross and Blue Shield of Minnesota At Blue Cross and Blue Shield of Minnesota, we are committed to paving the way for everyone to achieve their healthiest life. We are looking for dedicated and motivated individuals who share our vision of transforming healthcare. As a Blue Cross associate, you are joining a culture that is built on values of succeeding together, finding a better way, and doing the right thing. If you are ready to make a difference, join us. This position is posted at a hierarchy and can be hired at either the Financial Underwriter, Grade C level or Senior Financial Underwriter, Grade E level. The identified candidate will be hired at a level commensurate with their skills. Financial UnderwriterThe Impact You Will Have Blue Cross and Blue Shield of Minnesota is hiring a Financial Underwriter in Eagan, MN. This position is responsible for reviewing, preparing and analyzing risk for renewals, proposals, financial agreements and benefit changes. The underwriter is responsible for negotiation with sales or account management for final price and product configuration, support, documentation and communication of the same. Your Responsibilities Analyzes and evaluates existing and new business standard and moderate risk for all funding types. Completes financial analysis and settlements for self insured groups. Provides communication to internal and external customers expressing complex concepts in understandable terms. Develops and maintains documentation on underwriting processes and systems. Assists Senior Underwriter and Underwriting Consultants as requested. Completes special projects assigned by management. Keeps abreast of current underwriting practices, rating tools, industry changes and federal and state healthcare reform mandates. Provides training and work direction to lower level underwriters. Senior Financial UnderwriterThe Impact You Will Have Blue Cross and Blue Shield of Minnesota is hiring a Senior Financial Underwriter in Eagan, MN. The Senior Financial Underwriter is responsible for reviewing, preparing, and analyzing risk for renewals, proposals, financial agreements, settlements, and benefit changes. This role involves negotiating final pricing and product configurations with Sales and Account Management and providing clear documentation and rationale to support decisions. You'll work across both fully insured and self-insured segments, with a strong emphasis on pharmacy pricing, carve-in/carve-out strategies, and stop-loss evaluations. The position requires strategic thinking, data-driven decision-making, and the ability to consult across the organization on complex underwriting scenarios. The ideal candidate is a proven healthcare underwriter with at least five years of experience in both fully insured and self-insured environments. They bring expertise in pharmacy pricing, stop-loss strategies, and analyzing complex data to build competitive proposals. Comfortable with high-volume cases and carrier reports, they can quickly step in and contribute. We're looking for a self-starter with a growth mindset-someone who thrives in a dynamic environment and thinks strategically across all underwriting components Your Responsibilities Analyzes and evaluates existing and new business complex risk for all funding types. Completes financial analysis for settlements and agreements for self insured groups. Provides communication to internal and external customers expressing complex concepts in understandable terms. Develops and maintains documentation on underwriting processes and systems. Assists Underwriting Consultants and Management as requested. Leads or participates in special projects assigned by management. Keeps abreast of current underwriting practices, rating tools, industry practices and healthcare reform legislation. Provides training, work direction, and technical support to other underwriters, advocating transparency in underwriting practices. This position is posted at a hierarchy and can be hired at either the Financial Underwriter, Grade C level or Senior Financial Underwriter, Grade E level. The identified candidate will be hired at a level commensurate with their skills. Senior Financial Underwriter Required Skills and Experiences 5+ years of related (Financial Underwriting) professional experience. All relevant experience including work, education, transferable skills, and military experience will be considered. Comprehensive knowledge of health insurance industry, competitive environment, underwriting guidelines, principles of risk selection, funding types and contractual agreements. Strong proficiency in Excel, Word, Adobe and Access. Advanced analytic and interpretive skills with well developed problem solving ability. Proven ability to work independently and in a team environment. Strong relationship building skills. Exceptional verbal and written communication skills, with presentation experience. Demonstrated negotiating and collaborating ability. High school diploma (or equivalency) and legal authorization to work in the U.S. Preferred Skills and Experiences Bachelor's degree Proven experience with self-insured Underwriting is strongly preferred Familiar with pharmaceutical guarantees and pricing Healthcare experience Financial Underwriter Required Skills and Experience 3+ years of related professional experience. All relevant experience including work, education, transferable skills, and military experience will be considered. Working knowledge of underwriting guidelines and risk selection. Strong proficiency in Excel, Word, Adobe and Access. Advanced analytical and interpretive skills, with well developed problem solving ability. Proven ability to work independently and in a team environment, ability to represent department on cross functional work groups. Excellent verbal and written communication skills. High school diploma (or equivalency) and legal authorization to work in the U.S. Preferred Skills and Experience Bachelor's degree. Experience with healthcare underwriting preferred. Healthcare experience Role DesignationHybrid Anchored in Connection Our hybrid approach is designed to balance flexibility with meaningful in-person connection and collaboration. We come together in the office two days each week - most teams designate at least one anchor day to ensure team interaction. These in-person moments foster relationships, creativity, and alignment. The rest of the week you are empowered to work remote. Compensation and BenefitsFinancial Underwriter - $60,000 - $77,600 - $95,200 Senior Financial Underwriter - $77,200 - $102,300 - $127,400 Pay is based on several factors which vary based on position, including skills, ability, and knowledge the selected individual is bringing to the specific job. We offer a comprehensive benefits package which may include: Medical, dental, and vision insurance Life insurance 401k Paid Time Off (PTO) Volunteer Paid Time Off (VPTO) And more To discover more about what we have to offer, please review our benefits page. Equal Employment Opportunity Statement At Blue Cross and Blue Shield of Minnesota, we are committed to paving the way for everyone to achieve their healthiest life. Blue Cross of Minnesota is an Equal Opportunity Employer and maintains an Affirmative Action plan, as required by Minnesota law applicable to state contractors. All qualified applications will receive consideration for employment without regard to, and will not be discriminated against based on any legally protected characteristic. Individuals with a disability who need a reasonable accommodation in order to apply, please contact us at: **********************************. Blue Cross and Blue Shield of Minnesota and Blue Plus are nonprofit independent licensees of the Blue Cross and Blue Shield Association.

We are seeking a Senior Underwriter with strong property and casualty expertise and proven sales management skills to join our GRS Public Entity Educational team. In this role, you will underwrite and manage a portfolio of moderately complex accounts across K-12 districts, charter schools, community colleges, public universities, and related entities-applying sound underwriting judgment to risk selection, pricing, terms, and policy wording to drive profitable growth. Key responsibilities: Assess and underwrite new business and renewal submissions for educational public entities, applying company guidelines to ensure appropriate pricing, terms and conditions, and risk selection. Manage a portfolio of accounts, monitoring performance drivers (loss ratios, exposures, retention) and recommending actions to improve profitability. Develop competitive submissions and placement strategies; prepare clear underwriting submissions and explain recommendations to brokers and internal stakeholders. Work closely with sales and brokers to identify opportunities for account retention and growth. Collaborate with actuarial and analytics teams to validate pricing, exposure analysis and loss trends; incorporate data into underwriting decisions. Coordinate with claims and risk control to identify loss drivers and implement risk mitigation strategies for clients. Review and negotiate policy wording, endorsements and contract terms to protect company interests and meet client needs. Maintain accurate underwriting documentation and adhere to governance, compliance and delegated authority limits. Mentor junior underwriters and contribute to team knowledge sharing and process improvements. Represent the company at client meetings and industry events as needed, 40% travel Qualifications Qualifications Bachelor's degree required; degree in Risk Management, Insurance, Finance, Business, or related field preferred. 7-10 years of underwriting experience with a focus on public entities and/or educational institutions. Professional designations a plus (CPCU, ARM, AIC, or equivalent) or working toward designation. Strong technical underwriting skills: exposure assessment, pricing support, contract review and claims liaison. Proven ability to manage a book of business, prioritize workflow and meet production goals. Strategic agency planning and management experience Excellent written and verbal communication skills; able to present underwriting rationale to brokers and clients. Proficiency with Excel and underwriting systems; experience with data analytics tools a plus. Team player with strong organizational skills and attention to detail. Ability to travel occasionally for client visits and industry meetings. About Us Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve. We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: *********************** Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law. Fair Chance Notices California Los Angeles Incorporated Los Angeles Unincorporated Philadelphia San Francisco We can recommend jobs specifically for you! Click here to get started.