Underwriter jobs in Schenectady, NY - 25 jobs

**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.

requires a DE, SARS or LAPP certification. ABOUT THE JOB (JOB BRIEF) The Mortgage Senior Underwriter is responsible for reviewing, analyzing and approving residential loan applications. The Mortgage Senior Underwriter is also responsible for verifying income, assets, credit and collateral documents including self-employed personal and business tax returns. The Mortgage Senior Underwriter may be involved in one or several types of mortgage lending (agency conventional, portfolio conventional, FHA/VA MI etc.). This position will also lend support to other underwriters on complex loan submissions. Lending authority to include conventional, government and jumbo loan programs for up to $750,000. Excellent phone and communication skills and the value of providing superior customer service to internal and external customers required. An exemplary customer service-oriented attitude and the ability to work effectively in a Team Environment is essential. This is a hybrid role that will require office attendance 2 days a week. It is imperative to be at a commutable distance from one of the following offices: * 4910 Tiedeman Road, Brooklyn, OH * 4224 Ridge Lea Road, Amherst, NY ESSENTIAL JOB FUNCTIONS * Evaluate creditworthiness of borrowers to render a credit decision. This includes but is not limited to the review of paystubs, W2's, financial statements, tax returns, asset statements, bank account statements, credit reports etc. * Must ensure all loans meet or exceed corporate credit policy and be in compliance with the Ability to Repay (ATR) and Qualified Mortgage provisions of the Dodd-Frank Act. * Ensure compliance with appropriate company and Agency/Investor/FHA/VA guidelines. * Review transmittal & 1003 to make sure it is accurate and complete and matches the final AUS findings * Review credit report and compare to liabilities on 1003. Verify the investor guidelines for outstanding derogatory items and requirement payment or satisfaction if needed. * Calculate income/self-employed cash flow using documentation and methodology required per investor, and CFPB regulations. Analyze the business's financial strength by examining annual earnings to determine stability and validity. Income must be verifiable, stable and ongoing. * Review assets to ensure adequate funds to close and required reserves. Ability to analyze bank statements for any recent large deposits and possible other debts that might impact ATR. * Review appraisal to ensure the report is accurate, complete and the value is supported, and the collateral is acceptable. Recognize when additional field reviews may be necessary to support value * Ability to review Condo/PUD projects to ensure they meet salable or non-warrantable guidelines * Review file to make sure state regulatory guidelines have been met and federal (Patriot Act) * Calculate net tangible benefit for those states that require this test * Ensure all tax, title, insurance and closing documentation is accurate and complete * Verify that the rate lock matches the underwriting file with the correct program, LTV, credit score and pre-payment penalty * Review final conditions submitted to Underwriting Final Approval within SLA * Re-review all Suspended loans within SLA * Review a minimum number of files per month as determined by management which would include new submissions, re-submissions & final conditions * Maintain current fluid knowledge of investor and agency guidelines and adapt to changes quickly * Communicate effectively and engage proactively with mortgage loan officers, processors, branch managers, funders and post-closers in regard to loan decisions, assignment of loan conditions, investor guidelines/documentation requirements and possible loan scenarios * Assists in the training of Key Bank Mortgage employees as needed * Perform other related duties as assigned * Work "underwriting help desk" on a rotational basis answering emails and phone calls from the sales force. * Demonstrate exceptional service philosophy in all interactions with internal peers and partners * Perform second level review on loans recommended for denial. Evaluate the application to determine if there are any other products or alternative terms available before issuance of denial. * Perform Second Level One Up Reviews on those loans recommended for approval above someone's lending authority. * Once approved, it has lending authority up to $750,000 REQUIRED QUALIFICATIONS * Bachelor's Degree or equivalent work experience * 5+ years of recent Mortgage Underwriting Experience (FHA, VA and Conventional) with strong agency guideline knowledge * DE, SAR and LAPP certifications strongly preferred; experience with USDA is a plus * Strong working knowledge of ATR/QM Requirements * Proven knowledge of Mortgage Insurance Guidelines and rates * Working knowledge of Empower LOS is a plus * Strong analytical skills: accuracy, consistency and completeness are critical * Ability to work in a fast paced, fluid environment and be held to meet minimum production standards * High integrity and outstanding work ethic * Strong computer skills; proficient in Microsoft Word, Excel and Outlook * Must have proficient written and verbal communication skills * Proven knowledge of compliance and disclosure requirements * Proven knowledge of closing, post-closing & quality control responsibilities COMPENSATION AND BENEFITS This position is eligible to earn a base hourly rate in the range of $32.69 - $49.52 per hour. Placement within the pay range may differ based upon various factors, including but not limited to skills, experience and geographic location. Compensation for this role also includes incentive compensation which may include production, commission, and/or discretionary incentives. Please click here for a list of benefits for which this position is eligible. Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment. Job Posting Expiration Date: 02/27/2026 KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law. Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_**********************. #LI-Hybrid

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.

Job Type: Permanent Build a brilliant future with Hiscox Senior Technical Underwriter - Art & Private Clients Reports to: Director Technical Underwriting Benelux Band: II We insure the extraordinary - protecting fine art, cyber risks, and even kidnappings. Our clients are exceptional individuals and professions, and we deliver tailor‑made solutions that match their unique needs. As a global group with a proud tradition and more than 3,200 employees worldwide, we combine heritage and innovation to safeguard what matters most. Your Role As part of our Technical Underwriting Team, you will take ownership of our Art & Private Clients portfolio, driving profitability and strategic development. Key Responsibilities * Product Development & Underwriting: Design and refine Art & Private Clients insurance products, underwriting guidelines, pricing models and wordings in compliance with regulations. * Portfolio Management: Ensure profitable growth of the Art & Private Clients portfolio, monitor performance and implement corrective measures when needed. * Strategic Decision-Making: Define pricing strategies, risk appetite and measures to maintain profitability. * Leadership: Provide technical guidance to underwriters, manage authority levels and conduct audits. * Sales & Marketing Support: Collaborate with direct, online and broker channels, including support for large risks and special agreements. * Project Leadership: Drive local and international projects and contribute to Europe-wide product and underwriting strategy. * Market Insight: Monitor Art & Private Clients market trends in the Benelux and Europe, assess competitive positioning and identify emerging risks. * Training & Development: Deliver internal and external training sessions, webinars and presentations. Technical Expertise Development * Work with actuaries to develop pricing algorithms and optimise rates. * Collaborate with the Wording Committee to translate risk appetite into clauses and wordings. * Support underwriting teams with referrals and guideline interpretation. * Engage with claims teams and sales partners to share expertise and evaluate risks. Your Profile * Proven expertise in Art & Private Clients risk underwriting with strong analytical and product knowledge. * Ability to diagnose issues based on data and facts. * Structured, organised and capable of balancing operational tasks with strategic projects. * Strong communication skills - able to simplify complex topics and influence stakeholders. * Fluent Dutch and/or French and excellent English skills required. What We Offer * A collaborative team culture with open feedback and flat hierarchies. * Comprehensive onboarding and ongoing training. * Flexible work options, including home office and sabbaticals. * Attractive remuneration package with fixed and variable components. * Pension scheme * 33 days annual leave plus 2 additional "Hiscox Days". #LI-DS1 Work with amazing people and be part of a unique culture

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

MSIG USA continues to grow! MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world's top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business's unique risks. Summary/Job Purpose: Underwrites profitable property business on a nationwide basis in accordance with Corporate goals. Essential Functions: Selects and underwrites complex property risks within delegated underwriting authority. Reviews applications and requirements to determine acceptability of risk in accordance with Company guidelines and standards. Perform all aspects of the underwriting process and due diligence including review and analysis of financial documents and individual risk factors. Applies appropriate pricing techniques according to company filings and state/bureau conformance. Monitors underwriting results, premium and loss trends within assigned book of business. Deliver quality service to brokers and customers within established service metrics for new, renewal and interim requests. Develop and cultivate new and existing broker and customer relationships in assigned territory. Work with brokers and clients to create customized insurance solutions. Source new business opportunities through a strong broker and client network. Prepares or analyzes information on adverse underwriting decisions, rate appeals, underwriting requirements, status and declinations in order to drive results within the assigned territory. Document accounts in accordance with regulatory and internal underwriting guidelines. Establishes and executes effective and efficient producer and client visits (with appropriate business units - Risk Engineering, Claims and Marketing Representatives) in order to maintain and increase new business. Enhances technical expertise in the area of Industrial and Global property underwriting including assisting in Underwriting Manager in the training and development of department staff. Supervisory Responsibilities: This position has no supervisory responsibilities. Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and Experience Required: Bachelor's degree (B. A.) required 7+ years of related multi-line background required. Existing producer relationships preferred. Must have demonstrated negotiation and production skills. Excellent verbal and written communication skills SALARY: The estimated salary range for this position is $110,000 to $150,000 per year. This is a good-faith assessment of the salary range for this position only. In determining the actual salary within this range, MSIG USA will consider a candidate's relevant experience, location, and other job-related factors. It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group! It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.

Job Description At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. Just as our employees are committed to helping our customers manage their finances, we're committed to our employees. After all, they make it happen for our customers every day. To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal-opportunity workplace and affirmative-action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities. Responsibilities A Credit Underwriter III is responsible for spreading complex financial statements in accordance with Bank standards, while preparing Credit Offering Memorandums on complex borrowers in cooperation with Commercial Lenders for Bank approval. It is the responsibility of an Underwriter III to manage personal workload of complex borrowing relationships within short, prescribed timelines with minimal assistance from a Senior Underwriter/Manager. Making recommendations to Commercial Lenders regarding appropriate risk ratings as well as accurately addressing loan policy exceptions, structural weaknesses, appraisal exceptions, environmental waivers and loan coding are important duties of the position. A Credit Underwriter III is also responsible for providing guidance and on the job training to Credit Underwriter I's and II's. Essential Duties: Maintain extensive knowledge of and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to pertinent policies, procedures, and internal controls and meet all job specific training requirements in a timely fashion. Produce a high volume of loan requests with the ability to work independently and complete duties within short timeframes, with little or no oversight from a Supervisor/Manager. Prepare financial spreadsheets on complex relationships for existing or potential borrowers using accountant prepared and company prepared financial statements and tax returns. Prepare Credit Offering Memorandums on complex borrowers which includes the description of the credit request and all associated structural components, detail of the borrower's existing banking relationship (loans, deposits, cash management, RDC, etc.), financial statement analysis, corporate historical/projected and personal financial statement and cash flow analysis, detailed collateral evaluation and OCC stress testing on commercial real estate projects, accurate identification of loan policy exceptions, regulatory structural weaknesses, loan coding and assessment of appropriate risk rating. Accompanies Commercial Lenders on customer informational calls for complex relationships. Provides basic on the job training and guidance to Credit Underwriter I's and II's. Maintain the ability to quickly and accurately assess borrowing needs/causes, proper loan structure, well developed and accurate credit analysis techniques, knowledge of industry related issues, risk rating recommendations and a thorough understanding of loan policy and structural weaknesses. Advises Commercial Lenders of appraisal and environmental requirements that must be approved prior to the loan proposal's submission for approval. Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner. Ancillary Duties: As an integral member of the Credit Administration Department, this position is also responsible to provide assistance wherever necessary to help the Credit Administration Department and the Bank in achieving their annual goals. Qualifications Education/Training: B.S. or B.A. degree in a business related field of study (finance, management, economics, or accounting) with at least 6 credits in accounting; specialized financial analysis training. All applicants must be 18 years of age or older. Skills: Proficient reading, writing, grammar, and mathematics skills; proficient interpersonal and communication skills (both verbal and written); a thorough knowledge of current lending and banking regulations, loan policies, and procedures; proven ability to analyze and interpret financial statements and information; advanced loan structuring skills; technical supervisory skills sufficient to provide guidance and training to Credit Underwriter I & II(s); proficient knowledge of Microsoft Word, Excel and all other departmental computer programs. Experience: Minimum of four (4) experience as a Credit Underwriter I/II normally required.

We are an employee and customer focused savings bank and are looking for an energetic full time Mortgage Underwriter. We offer an environment of excellence where teamwork and accountability are a must! in our Loan Operations department in our Operations Center in Adams. If you have a TRUE passion for delivering exceptional customer service to your team - If you have a high attention detail and like analyzing financial documents - If you like having multiple projects going at the same time - If this describes you, we know that you will be surrounded by people who are passionate about what they do, committed to excellence, and know how to have fun doing their work. Please take a look at the job description below and if you are interested, please apply! ___________________________________________________________________________ Job Purpose: Actively participate in and foster the ACB Culture of excellence while supporting the Bank's strategic initiatives. Provide above and beyond customerservice to building solid and long lasting relationships by engaging allcustomers internal and external. Provide quality analyst and accurate review ofall ACB loan origination documentation. Consistently and effectively manage behavior within ACB's established customer service standards and core values while adhering to all established Bank Policy and procedures. Critical Drivers: Maintain productivity and response times as measured by the current underwriting guidelines Maintain quality of credit decisions as measured by current delinquency and loss ratios Duties and Precise Tasks: Commit to and live by a no excuses environment whereby all employees are held 100% accountable for behaviors, actions, performance & attitudes. Adhere to all ACB policies and procedures. Review credit applications on various types of loans; analyze applicant's financial status, credit and property evaluation, corporate tax returns, personal tax returns, personal financial statements, credit reports, business reports and legal documents. Perform credit analysis, analyze appraisals and approve or deny credit applications per authorized lending limits. Recommend credit decisions to management on requests exceeding assigned lending authority. Use discretionary judgment for approval of credit applications not meeting underwriting policies and procedures. Ensure proper documentation and sign-offs are made for credit exceptions. Maintain credit exception approval percentages within corporate approved guidelines. Ensure all secondary market requirements and other investor requirements are satisfied for loans to be sold. Verify the accuracy and consistency of the Loan Origination System in regards to properly assigning rates, initiating appropriate disclosures, following system parameters and that the calculations for DTI, LTV and credit are correctly populating. Maintain up to date knowledge of current Underwriting policies, guidelines and compliance issues using available resources. Including all lending related Federal and State regulations. Maintain up to date knowledge of secondary market investor requirements. Develop and maintain an excellent working relationship with customers and colleagues alike. Maintain a positive attitude within the Department by practicing team concepts to achieve common objectives and service standards. Provide training and support to all lending related functions of the bank on loan products, procedures, and system navigation. Participate with Learning and Development on credit and product development/training sessions as needed. Works under limited supervision or independently. Adhere to telephone and communication standards when interacting with customers to attract business. Perform additional duties as requested. 12. Conditions loans for Bank Portfolio, Agency, Investor acceptance, and acceptance of automated underwriting systems (AUS) decisions. 13. Manage very tight deadlines & quality of loans underwritten with an understanding of industry standards and documentation requirements for loans sold to investors, 14. Execute delivery of originated loans to investors. Utilize Loan Origination System to transmit loan delivery data to investors to minimize key-stroke error and processing time. 15. When further documentation is required to deliver a loan, work the manager and the investor to facilitate the delivery of required documents to the investor, with the goal of minimizing repurchase or post-purchase adjustment risk. 16. Assist the manager in completing various lending reports. Human Relations/Emotional/Mental Demands: Contact with existing /potential customers and employees through telephones, correspondence or personally interact with in all areas. Confidentiality of potential and existing client and employee information requires professionalism, discretion and diplomacy. Knowledge, Skills and Abilities: Must possess the ability to read, write and speak fluently in the English language, organization and customer service skills with both internal and external customers Excellent communication (written and verbal), organization and customer service skills with both internal and external customers Ability to: work in a fast-paced environment work well under pressure handle conflict resolutions in a professional manner handle highly confidential information Strong organizational, problem solving, multi-tasking and analytical skills Acute attention to detail Required Computer Skills: Microsoft Office, including Word, Excel, and Outlook Knowledge of applicable state and federal regulations and responsibilities relating to them Education and Experience: Minimum 4-5 years of experience in mortgage underwriting, including secondary market knowledge. Knowledge of Mortgage Industry, mortgage loan file documents, general knowledge of closing, insurance and mortgage insurance requirements Knowledge of and experience with property and credit underwriting requirements of FNMA, VA, as well as other secondary market loan programs Expertise in and familiarity with different AUS systems (i.e., Desktop Underwriter (“DU”). Minimum Education Associate's Degree in finance or business related field, or equivalent in work experience Preferred Education Bachelor's Degree in finance or business related field Working conditions: Time spent: in an office, banking environment attending conferences, meetings and community events Physical Demands: Employee will have the following physical demands: required to sit & stand and move throughout the location/branch occasionally required to climb & stoop: reach with hands & arms: use hand to finger objects & control occasionally lift & move up to 25 pounds data entry skills/typing utilize computer systems Vision abilities required: close, distance & peripheral Reading of written, printed or computer screen data Able to transport self, in a timely manner, to and from meetings, conferences & events Adams Community Bank is an Equal Opportunity Employer.

Come work with us: Metropolitan Commercial Bank (the “Bank”) is a New York City based full-service commercial bank that provides a broad range of business, commercial and personal banking products and services to individuals, small businesses, private and public middle-market and corporate enterprises and institutions, municipalities and local government entities. The Bank operates banking centers and private client offices in Manhattan and Boro Park, Brooklyn in New York City and Great Neck on Long Island in New York State. The Bank is a New York State chartered commercial bank, a member of the Federal Reserve System and the Federal Deposit Insurance Corporation, and an equal housing lender. The parent company of Metropolitan Commercial Bank is Metropolitan Bank Holding Corp. (NYSE: MCB). For more information, please visit the Bank's website at MCBankNY.com. Metropolitan Commercial Bank was named one of Newsweek's Best Regional Banks and Credit Unions 2024. The Bank was ranked by Independent Community Bankers of America among the top ten successful loan producers for 2023 by loan category and asset size for commercial banks with more than $1 billion in assets. The Bank finished ninth in S&P Global Market Intelligence's annual ranking of the best-performing community banks with assets between $3 billion and $10 billion for 2022 and eighth among top-performing community banks in the Northeast region for 2022. We have a flexible work schedule where employees can work from home one day a week. About the role: The Senior Credit Underwriter (VP) role is a key position in our Credit team responsible for undertaking and presenting robust credit risk analysis in support of relationship-led loan requests from our Commercial & Industrial (C&I) team. The role will primarily focus on C&I which is heavily weighted towards Healthcare, with a particular focus on skilled nursing and assisted living facilities. The individual will be expected to deal with the most complex transactions. Duties and responsibilities of the job include the following (but is not limited too): For the most complex transactions, undertaking comprehensive financial and credit risk analysis in support of loan requests; including but not limited to financials, projections, industry/market, structure, management and environmental. Demonstrating deep understanding of credit risks and mitigants, presenting clearly and concisely in risk focused credit proposals for submission to the appropriate approval authority. Work collaboratively with Lending Officers throughout the transaction process, ensuring financials are complete, accurate and received in a timely manner. Attend client meetings and/or site visits as appropriate. Strong understanding of compliance, regulations and the Bank's commercial lending policies, clearly outlining any exceptions to policy and supporting rationale in the credit proposal. Ensure all credit-related questions from the approval authority are addressed efficiently and effectively. Contribute effectively at Credit Committee and other Committee meetings as appropriate. Provide guidance and oversight for more junior credit underwriters. Assisting in the completion of various monthly, quarterly or ad hoc reports as necessary. Assisting in gathering information required by Bank examiners and internal audit. Lead ad hoc credit risk projects with limited oversight. Preferred experience, education, and qualifications: Bachelor's degree in Business, Accounting or Finance; or equivalent experience Minimum 7 years in credit related field, preferably in a banking environment with C&I / Healthcare experience Strong analytical / financial modeling skills Excellent written and verbal communication skills Strong interpersonal skills; work collaboratively and with integrity with key internal and external stakeholders. Strong team player with desire to develop and coach less experienced members of the team Working knowledge of all MS Office Suite products and appetite to learn core database management programs Potential Salary: $150,000 - $185,000 annually This salary range only reflects base wages and does not include benefits, bonus, or incentive pay. Salary bands are purposefully wide ranging to encompass the different factors considered in determining where a candidate falls in the range, including but not limited to, seniority, performance, experience, education, and any other legitimate, non-discriminatory factor permitted by law. Metropolitan Commercial Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

DEPARTMENT: Commercial Lending REPORTS TO: Senior Commercial Credit Officer SUPERVISES: None GRADE: 14 Pay Range: $62,000 - $79,000 commensurate with education and experience FLSA: Exempt The Senior Commercial Credit Underwriter I provides commercial credit analysis and underwriting, thereby facilitating the initiation and servicing of commercial credit relationships. Reviews the commercial loan portfolio to ensure sufficient, current and accurate credit records are created and maintained within the credit files, loan processing system, and the financial tracking and reporting software. Underwrites new money loans, renewals and annual reviews within assigned threshold. Requirements EDUCATION & EXPERIENCE: * Bachelors Degree in Business/Finance or related field, or equivalent work experience * Three years or more of experience and knowledge of credit analysis * Proficiency in Microsoft Office software * Detail oriented, with strong communication and analytical skills MAJOR DUTIES & RESPONSIBILITIES: * Underwrite and analyze Commercial & Industrial (C&I) and Commercial Real Estate (CRE) complex * loan transactions ranging between $1.0 million to $20.0 million * Complete relationship reviews and line renewals within threshold level * Ensure complete credit files are maintained and updated in accordance with Bank policies and * procedures for relationships constituting the commercial credit portfolio * Prepare credit related reports as needed. * Complete projects assigned relating to the management of the commercial loan portfolio * Enter data into Bank's financial analysis and monitoring software system (Sageworks/Abrigo) * Provide assistance as requested during audits and exams * Train and mentor junior staff in the credit underwriting process * Order and review third party reports, such as credit reports, appraisals and environmental reports * Safeguard Bank assets (monitor and mitigate the Bank's risk of loss) * Comply with all applicable laws, rules, regulations, policies, procedures, and guidelines * Contribute to a professional, business-like atmosphere within the credit department * Other duties as assigned PHYSICAL DEMANDS: 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. While performing the duties of this job, the employee is regularlyrequired to talk or hear. The employee frequently is required to stand; walk; use hands to finger, handle or feel; and reach with hands and arms. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. COMPLIANCE STATEMENTS: EQUAL OPPORTUNITY EMPLOYER Bank of Greene County is an equal opportunity employer. We provide equal employment opportunity in all employment-related matters, including hiring, training, promotion, compensation, benefits, transfers and other personnel actions, without regard to race (including traits historically associated with race), color, national origin, age, religion, sex, sexual orientation, gender identity or expression, the status of being transgender, disability, genetic information, predisposition and carrier status, military or veteran status, marital and familial status, the status of being a victim of domestic violence, employee's or a dependent's reproductive health decision making (including, but not limited to, a decision to use or access a particular drug, device or medical service), known relationship or association with any member of a protected class, and any other characteristic protected by applicable law. BANK SECRECY ACT (BSA) Before assuming any duties, each employee will be trained in the proper filing and logging procedures for large currency transactions and the sale of monetary instruments. Each employee will immediately report suspicious currency transactions or activity to their immediate supervisor or the BSA Officer. All employees will become familiar with how their customers handle their accounts and will report any transactions that are not within the normal activities of the customer. The employee will be trained in compliance with the BSA, USA PATRIOT ACT and associated laws and regulations under the Bank's Compliance Program as it pertains to his or her job functions. Employees are expected to meet all compliance requirements as stated within the Bank's BSA/AML/CIP/OFAC Program. Failure to meet these compliance standards may adversely affect performance appraisals and may result in disciplinary action up to and including termination. Employee's compliance violations may result in termination, individual fines, and possible imprisonment. Salary Description $62,000-$79,000

Full-time Description Senior Commercial Credit Underwriter I DEPARTMENT: Commercial Lending REPORTS TO: Senior Commercial Credit Officer SUPERVISES: None GRADE: 14 Pay Range: $62,000 - $79,000 commensurate with education and experience FLSA: Exempt POSITION SUMMARY: The Senior Commercial Credit Underwriter I provides commercial credit analysis and underwriting, thereby facilitating the initiation and servicing of commercial credit relationships. Reviews the commercial loan portfolio to ensure sufficient, current and accurate credit records are created and maintained within the credit files, loan processing system, and the financial tracking and reporting software. Underwrites new money loans, renewals and annual reviews within assigned threshold. Requirements EDUCATION & EXPERIENCE: Bachelors Degree in Business/Finance or related field, or equivalent work experience Three years or more of experience and knowledge of credit analysis Proficiency in Microsoft Office software Detail oriented, with strong communication and analytical skills MAJOR DUTIES & RESPONSIBILITIES: Underwrite and analyze Commercial & Industrial (C&I) and Commercial Real Estate (CRE) complex loan transactions ranging between $1.0 million to $20.0 million Complete relationship reviews and line renewals within threshold level Ensure complete credit files are maintained and updated in accordance with Bank policies and procedures for relationships constituting the commercial credit portfolio Prepare credit related reports as needed. Complete projects assigned relating to the management of the commercial loan portfolio Enter data into Bank's financial analysis and monitoring software system (Sageworks/Abrigo) Provide assistance as requested during audits and exams Train and mentor junior staff in the credit underwriting process Order and review third party reports, such as credit reports, appraisals and environmental reports Safeguard Bank assets (monitor and mitigate the Bank's risk of loss) Comply with all applicable laws, rules, regulations, policies, procedures, and guidelines Contribute to a professional, business-like atmosphere within the credit department Other duties as assigned PHYSICAL DEMANDS: 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. While performing the duties of this job, the employee is regularlyrequired to talk or hear. The employee frequently is required to stand; walk; use hands to finger, handle or feel; and reach with hands and arms. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. COMPLIANCE STATEMENTS: EQUAL OPPORTUNITY EMPLOYER Bank of Greene County is an equal opportunity employer. We provide equal employment opportunity in all employment-related matters, including hiring, training, promotion, compensation, benefits, transfers and other personnel actions, without regard to race (including traits historically associated with race), color, national origin, age, religion, sex, sexual orientation, gender identity or expression, the status of being transgender, disability, genetic information, predisposition and carrier status, military or veteran status, marital and familial status, the status of being a victim of domestic violence, employee's or a dependent's reproductive health decision making (including, but not limited to, a decision to use or access a particular drug, device or medical service), known relationship or association with any member of a protected class, and any other characteristic protected by applicable law. BANK SECRECY ACT (BSA) Before assuming any duties, each employee will be trained in the proper filing and logging procedures for large currency transactions and the sale of monetary instruments. Each employee will immediately report suspicious currency transactions or activity to their immediate supervisor or the BSA Officer. All employees will become familiar with how their customers handle their accounts and will report any transactions that are not within the normal activities of the customer. The employee will be trained in compliance with the BSA, USA PATRIOT ACT and associated laws and regulations under the Bank's Compliance Program as it pertains to his or her job functions. Employees are expected to meet all compliance requirements as stated within the Bank's BSA/AML/CIP/OFAC Program. Failure to meet these compliance standards may adversely affect performance appraisals and may result in disciplinary action up to and including termination. Employee's compliance violations may result in termination, individual fines, and possible imprisonment. Salary Description $62,000-$79,000

About Everest: Everest is a global leader in risk management, rooted in a rich, 50+ year heritage of enabling businesses to survive and thrive, and economies to function and flourish. We are underwriters of risk, growth, progress and opportunity. We are a global team focused on disciplined capital allocation and long-term value creation for all stakeholders, who care deeply about our impact on communities and the wider world. About Everest Evolution™: Everest Evolution™, the Wholesale-Exclusive arm of Everest, serving the dynamic and rapidly growing U.S. E&S market. Everest Evolution™ offers Property and Casualty insurance products across multiple business units, with wholesale exclusivity for various products. About the Role: As a Senior Underwriter on our Primary Construction Casualty Team in New York, Warren, NJ, Atlanta, Chicago, Philadelphia, Boston, Houston, Los Angeles, or San Francisco, you'll work in a hybrid capacity, spending three days in the office and two days remotely. You bring a strong underwriting background and a commitment to delivering exceptional service and results. Responsibilities include but not limited to: Underwriting and pricing Primary Casualty policies for US construction-based risks for various program types. Cultivating strong relationships with brokers, clients and key industry stakeholders. Collaboratively working with our internal Claims, Actuarial, Risk Engineering, Regional Leadership and Sales & Distribution teams to effectively meet quality servicing standards and to achieve underwriting goals. Adhering to portfolio management goals and objectives to ensure underwriting discipline and book profitability. Conducting thorough risk assessments for construction-related accounts and ensuring timely and accurate file documentation. Growing the construction portfolio in preferred casualty construction business. Supporting construction industry practice initiatives across the broader organization and other underwriting business units. Participating in relevant industry events and conferences. Qualifications, Education & Experience: Bachelor's Degree preferred. CPCU designation preferred. 4+ years of casualty insurance industry underwriting experience, with construction experience preferred. Experience in working on various program types, such as wrap-up programs, project-specific placements and annual renewable contractor programs. Existing market relationships with construction casualty producers and agents. Strong analytical as well as communication and presentation skills. Able to think creatively around risks and program design. The base salary range for this position is $120,000 - $160,000 annually. The offered rate of compensation will be based on individual education, experience, qualifications and work location. All offers include access to a variety of benefits to employees, including health insurance coverage, an employee wellness program, life and disability insurance, 401k match, retirement savings plan, paid holidays and paid time off (PTO). #LI-Hybrid #LI-AS1 What if I don't meet every requirement? At Everest we are dedicated to building an inclusive and authentic workplace. So, if you are excited about this role but your past experience doesn't align perfectly with every element in the job description, we still encourage you to apply. You may be just the right candidate for this or other roles. Please let us know if you need any accommodations throughout the application or interview process. Our Culture At Everest, our purpose is to provide the world with protection. We help clients and businesses thrive, fuel global economies, and create sustainable value for our colleagues, shareholders and the communities that we serve. We also pride ourselves on having a unique and inclusive culture which is driven by a unified set of values and behaviors. Click here to learn more about our culture. Our Values are the guiding principles that inform our decisions, actions and behaviors. They are an expression of our culture and an integral part of how we work: Talent. Thoughtful assumption of risk. Execution. Efficiency. Humility. Leadership. Collaboration. Inclusion and Belonging. Our Colleague Behaviors define how we operate and interact with each other no matter our location, level or function: Respect everyone. Pursue better. Lead by example. Own our outcomes. Win together. All colleagues are held accountable to upholding and supporting our values and behaviors across the company. This includes day to day interactions with fellow colleagues, and the global communities we serve. Type: Regular Time Type: Full time Primary Location: New York, NY Additional Locations: Atlanta, GA, Boston, MA, Houston, TX, Los Angeles, CA, Philadelphia, PA, San Francisco, CA, Warren, NJ Everest is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion or creed, sex (including pregnancy), sexual orientation, gender identity or expression, national origin or ancestry, citizenship, genetics, physical or mental disability, age, marital status, civil union status, family or parental status, veteran status, or any other characteristic protected by law. As part of this commitment, Everest will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact Everest Benefits at *********************************. Everest U.S. Privacy Notice | Everest (everestglobal.com)

Odyssey Reinsurance Company (OdysseyRe) is the global reinsurance arm of Odyssey Group, one of the world's leading providers of reinsurance and specialty insurance. OdysseyRe offers a broad range of property, casualty, and specialty reinsurance products, providing capital and risk management solutions for clients to efficiently manage economic risk, through a network of branch and representative offices across North America, Latin America, EMEA (Europe, Middle East & Africa), AsiaPacific and London. OdysseyRe is an equal opportunity employer with excellent benefits and a strong commitment to providing training and opportunities for our staff. We provide employees an innovative, enriching environment and take great pride in their career growth. OdysseyRe is rated A+ (Superior) by AM Best and A+ (Strong) by Standard and Poor's. Odyssey Group is a subsidiary of Fairfax Financial Holdings Limited, which is traded on the Toronto Stock Exchange under the symbol FFH. Position Summary: The Senior Underwriter is responsible in directing the underwriting department with planning and marketing activities including development of underwriting guidelines, establishment of department objectives and procedures for underwriting analysis, production, and staff management. The Senior Underwriter also evaluates and authorizes all business referred by underwriting staff, recommends levels of underwriting authority, and provides guidance in interpreting and applying underwriting policy. Essential Functions: Develops and monitors the company's underwriting philosophies, strategies and their implementation including lines of business, products and services. Manages and oversee existing key clients relationships at an executive and corporate level Ensures that marketing intelligence is collected, centralized, communicated and acted upon by the underwriting staff to identify and develop business opportunities for the company. Ensures client recognition and servicing, as well as determining client needs and new products. Performs underwriting analysis of potential clients by conducting analyses of their experience, exposure, management, rates, coverage, financial market and competitors in order to determine profit potential. Markets reinsurance services to current and prospective clients through sales meetings, industry membership, participation in seminars, industry events and speeches to gain profitable portfolios and foster positive relationships Job Requirements: Skills, Knowledge & Ability: Strong analytical skills. Ability to communicate effectively at all levels in the company Ability to manage both support staff and client relations Maintain confidentiality of company-sensitive data Exercise discretion and independent judgment Keep supervisor informed of activities and situations which will impact the achievement of corporate and department goals and objectives Perform other related duties as required to achieve the goals and objectives of the company and department. Ability to travel frequently Education and Experience: College degree or equivalent Knowledge of the reinsurance industry as it pertains to coverages, rate making process, risk exposures and contracts. Minimum of 5 years in (re)insurance #LI-Hybrid We are an E-Verify employer - all hired positions require successfully passing an E-Verify Check. Navigate the links below to learn more about careers at OdysseyRe. Workplace Initiatives Career Areas for Professionals A Rewarding Workplace Follow us on LinkedIn for company highlights

About Us Since 1977 we have delivered first class solutions to insurers worldwide, by combining global reach with local decision making. We have built customer & broker relationships on years of trust, experience and execution. Through our people, our products and our partnerships, we deliver the capacity and expertise necessary to contribute to the sustainable growth of prosperous communities worldwide. To do so, our colleagues work with: Integrity Work honestly, to enhance TransRe's reputation Respect Value all colleagues. Collaborate actively. Performance We reward excellence. Be accountable, manage risk and deliver TransRe's strengths Entrepreneurship Seize opportunities. Innovate for and with customers. Customer Focus Anticipate their priorities. Exceed their expectations. We have the following job opportunity in our New York City office: Description We are seeking an experienced Senior Underwriter to establish and manage a new Builders Risk Facultative portfolio in the US. This role will regularly liaise with the underwriting team for Engineering & Builders Risk in London to focus on the technical underwriting and daily management of the global portfolio. Responsibilities will include but not be limited to: Selecting, pricing and underwriting facultative Builders Risk project business Demonstrating sound underwriting skills - determine appropriate coverage, terms, pricing, PML based on risk assessment and company guidelines Marketing brokers and clients across the US to establish a key distribution/relationship panel Representing TransRe in the US Builders Risk facultative market with brokers, cedents, and industry forums. Producing quarterly and annual reports as well as various departmental budgets Maintain accurate records and documentation for underwriting decisions Staying up to date on industry trends, construction practices, regulatory changes and policy form coverages Requirements Minimum of 10 years of underwriting experience in the insurance or reinsurance industry Proven experience underwriting Builders Risk business with an emphasis on quota share placements for construction projects Experience managing an underwriting portfolio and familiarity with all types of construction project types (i.e. buildings, infrastructure & power generation) Ability to build and maintain strong broker relationships Ability to analyze and evaluate contract language and coverage afforded Ability to work autonomously with decision making authority as well as being a team player within a global unit Solid understanding of the cause-effect relationship of decisions and their impact on the business Strong interpersonal, communication, Excel and Word skills Strong time management and organizational skills Work Schedule TransRe is supportive of an agile work schedule, which may differ based on individual roles, your local office's practices and preferences marketplace trends, and TransRe's business objectives. This position is located in our New York City office and is eligible for a hybrid work schedule with 3 days in the office per week, and 2 days remote. Compensation In addition to base salary, for this position, TransRe offers a comprehensive benefits package, paid time off, and incentive pay opportunity. The anticipated annual base salary range in New York for this position, exclusive of benefits, paid time off, and incentive pay opportunity is $150,000 - 200,000. This range is an estimate and the actual base salary offered for this position will be determined based on certain factors, including the applicant's specific skill set and level of experience. We are an Equal Opportunity Employer (EOE) and we support diversity in the workforce.

Job DescriptionDescription: Demonstrates a highly motivated, positive, outgoing personality with a strong emphasis on sales and results orientation to ensure the credit union maximizes lending and sales opportunities with members who apply for credit. Consistently demonstrates the ability to think independently, outside the box, by effectively responding to each individual member's unique situation. Possess a thorough knowledge of the lending process from application to closing. Demonstrates a commitment to exceptional member service and teamwork. Is fully knowledgeable of all credit union products and services and is able to confidently offer appropriate solutions to fit member need. Duties & Responsibilities Uses strong interpersonal skills and influence to consistently achieve sales goals. Overcomes objections with persuasion and determination. Confidently presents appropriate solutions to fit members' needs. Maximizes opportunities to sell credit union products and services to benefit the member and enhance quality and depth of member relationship. Is keenly aware of personal, team, departmental and credit union wide goals and prioritizes work to achieve funding of goals. Demonstrates the ability to excel in a fast paced environment and meets goals and deadlines. Demonstrates persistence and overcomes obstacles to maintain above average closing ratios. Demonstrates an unsurpassed commitment to exceptional member service that ensures a great experience with each encounter. Effectively responds to the needs and concerns of members; often going beyond the initial need or expressed concern. Follows up to make sure the member's expectations have been met or exceeded. Clearly Explains recommendations, products and services in ways members can easily understand. Demonstrates patience, respect and professionalism with members. Actively and consistently seeks qualified opportunities to increase loan volume and residual product penetration. Actively supports member education events and seminars. Responsible for providing timely and accurate information and responses to decisions to internal and external members. Accurately and efficiently performs transactions and responds to member requests. Builds rapport with fellow team members and credit union staff. Shares personal expertise with peers. Fosters a spirit of cooperation to ensure the success of the team. Actively participates in and completes all ongoing required loan and sales training. Perform other duties as may be assigned. Requirements: A minimum of two years consumer lending experience preferred. One year of experience in a sales environment. Must have or gain thorough knowledge of credit union's lending policies and procedures, products and services, laws and regulations. Excellent sales, interpersonal, oral and written communication skills required. Strong organizational skills. Ability to maintain a high level of confidentiality. Fluent in MS Excel and Word. Become fully familiar with and clearly communicate underwriting philosophies, lending decisions (approved, denied or conditioned), approval stipulations, loan products and services, credit bureau reports and scores, credit histories, applicable Federal regulations, Guaranteed Asset Protection (GAP), Credit Life and Disability insurance, loan and deposit rates, lending policies and procedures and automated underwriting process. Work Schedule: Mon. - Fri. 8:00am - 5:00pm or 9:00am - 6:00pm, Sat. 9:00am - 1:00pm (Sat - Typically on a once-a-month rotation per Loan Expert) Work Location: Fully On-Site Salary Description Rate of pay - $18.83/hr + department's monthly incentive program

What part will you play? If you're looking for a place where you can make a meaningful difference, you've found it. The work we do at Markel gives people the confidence to move forward and seize opportunities, and you'll find your fit amongst our global community of optimists and problem-solvers. We're always pushing each other to go further because we believe that when we realize our potential, we can help others reach theirs. Join us and play your part in something special! The primary purpose of this position is to underwrite new business and renewals in a profitable manner and according to authority level and established guidelines, and participate in special projects having an impact on the business. Assigned larger and more important agents/brokers. Utilize underwriting tools to determine accurate classifications, rates, and premium charges. Understand state laws, including cancellation and non-renewal, within assigned territory to properly transact business within each state. Knowledgeable in coverage forms and policy language; appropriate utilization of forms and exclusions. Assist with resolving premium audit disputes within assigned agents/brokers. Able to provide coaching to others. Expectations: Assigned larger and more important agents/brokers. Utilize underwriting tools to determine accurate classifications, rates, and premium charges. Understand state laws, including cancellation and non-renewal, within assigned territory to properly transact business within each state. Knowledgeable in coverage forms and policy language; appropriate utilization of forms and exclusions. Assist with resolving premium audit disputes within assigned agents/brokers. Able to provide coaching to others. The ideal candidate should have strong interpersonal skills and a demonstrated ability to cultivate new, productive relationships with producers within the Northeast region of the US. Qualifications: Bachelor's degree preferred; 5+ years' experience underwriting management liability coverages; Industry designations such as RPLU are a plus; Experience in wholesale distribution channel; Strong analytical skills including ability to analyze and understand policy language; Strong oral and written communication skills; Strong organizational skills with ability to manage competing priorities and timelines; Demonstrated sales and marketing skills including the ability to utilize data to organize efforts; Ability to coordinate efforts with support staff to maximize overall productivity; Proficiency in MS Outlook, Word, Excel & Teams; Up to 25% travel. #LI-Hybrid #LI-SY US Work Authorization US Work Authorization required. Markel does not provide visa sponsorship for this position, now or in the future. Pay information: The base salary offered for the successful candidate will be based on compensable factors such as job-relevant education, job-relevant experience, training, demonstrated competencies, geographic location, and other factors. The base salary range for the Sr. Underwriter position is $92k - $127k/year with a 25% bonus potential, Who we are: Markel Group (NYSE - MKL) a fortune 500 company with over 60 offices in 20+ countries, is a holding company for insurance, reinsurance, specialist advisory and investment operations around the world. We're all about people | We win together | We strive for better We enjoy the everyday | We think further What's in it for you: In keeping with the values of the Markel Style, we strive to support our employees in living their lives to the fullest at home and at work. We offer competitive benefit programs that help meet our diverse and changing environment as well as support our employees' needs at all stages of life. All full-time employees have the option to select from multiple health, dental and vision insurance plan options and optional life, disability, and AD&D insurance. We also offer a 401(k) with employer match contributions, an Employee Stock Purchase Plan, PTO, corporate holidays and floating holidays, parental leave. Are you ready to play your part? Choose ‘Apply Now' to fill out our short application, so that we can find out more about you. Caution: Employment scams Markel is aware of employment-related scams where scammers will impersonate recruiters by sending fake job offers to those actively seeking employment in order to steal personal information. Frequently, the scammer will reach out to individuals who have posted their resume online. These "job offers" include convincing offer letters and frequently ask for confidential personal information. Therefore, for your safety, please note that: All legitimate job postings with Markel will be posted on Markel Careers. No other URL should be trusted for job postings. All legitimate communications with Markel recruiters will come from Markel.com email addresses. We would also ask that you please report any job employment scams related to Markel to ***********************. Markel is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of any protected characteristic. This includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law. Should you require any accommodation through the application process, please send an e-mail to the ***********************. No agencies please.

This position is involved in the review and appraisal of applications for insurance placement . Uses knowledge and independent judgment to determine eligibility of risks when compared to guidelines of programs available. Interacts with Companies and Brokers via telephone, e-mail, regular mail and personal contact. Essential Duties and Responsibilities: Reviews applications for insurance coverage, reports from loss control consultants and other information to determine if application is acceptable for the program(s) available. Evaluate the experience of a risk against the class of business under review. Evaluate the loss potential due to catastrophe, severity, and/or frequency. May rate policies or check previously rated policies for proper rating. Utilizes knowledge of automated systems to develop information for new or renewal policies. Prepares quotations for agents and answers questions from agents, policyholder, or prospects. Assists agents with comments or questions about applications and the likelihood of acceptance by the company. Reviews requests for cancellation, endorsements, etc. Reviews policies for renewal consideration. Request additional documentation necessary for the processing of an application, endorsement or cancellation. Conduct marketing visits to agents. Performs other duties as assigned. Qualifications/Requirements: Must have Producer's License. 3 plus years of insurance experience. Prior exposure to insurance underwriting type activities. Basic familiarity with computers. Good oral and written communications skills. Strong analytical skills and the ability to pay attention to details. Resourceful and controlled assertive behavior characteristics. Must have demonstrated negotiation skills Technical knowledge of insurance coverage forms and their application to exposure. Knowledge of departmental regulations and policies. Ability to work independently and to carry out assignments to completion within parameters of instructions given, prescribed routines and standard accepted underwriting practices. Strong interpersonal skills working with Staff and Company Underwriters Experience in standard underwriting practices and procedures. Associated classes or courses and/or industry license, or designation. We offer a total compensation package which includes salary (range 65k-85k) plus a full comprehensive benefits package. Package includes Paid Time Off Days, Paid Holidays, Hybrid Work Schedule, Retirement Plan with Employer Match, 100% Single Employer Paid Medical, Dental, Vision, Life Insurance, Education Assistance, Various Voluntary Benefits, Wellness Program Including Mental Health Support and an Employee Assistance Program (EAP) and More. Visit Us On LinkedIn: ************************************************* View All Openings: ************************************ Website: **************

Come work with us: Metropolitan Commercial Bank (the “Bank”) is a New York City based full-service commercial bank that provides a broad range of business, commercial and personal banking products and services to individuals, small businesses, private and public middle-market and corporate enterprises and institutions, municipalities and local government entities. The Bank operates banking centers and private client offices in Manhattan and Boro Park, Brooklyn in New York City and Great Neck on Long Island in New York State. The Bank is a New York State chartered commercial bank, a member of the Federal Reserve System and the Federal Deposit Insurance Corporation, and an equal housing lender. The parent company of Metropolitan Commercial Bank is Metropolitan Bank Holding Corp. (NYSE: MCB). For more information, please visit the Bank's website at MCBankNY.com. Metropolitan Commercial Bank was named one of Newsweek's Best Regional Banks and Credit Unions 2024. The Bank was ranked by Independent Community Bankers of America among the top ten successful loan producers for 2023 by loan category and asset size for commercial banks with more than $1 billion in assets. The Bank finished ninth in S&P Global Market Intelligence's annual ranking of the best-performing community banks with assets between $3 billion and $10 billion for 2022 and eighth among top-performing community banks in the Northeast region for 2022. We have a flexible work schedule where employees can work from home one day a week. About the role: The Senior Credit Underwriter (VP) role is a key position in our Credit team responsible for undertaking and presenting robust credit risk analysis in support of relationship-led loan requests from Commercial Real Estate (CRE) team. The role will cover all CRE segments (e.g. Multi-Family, Mixed-Use, Office, Industrial, Retail, Hospitality, Charter Schools, Construction) with an emphasis on transitional, and the individual will be expected to deal with the most complex transactions and to coach less experienced underwriters. Duties and responsibilities of the job include the following (but is not limited too): For the most complex transactions, undertaking comprehensive financial and credit risk analysis in support of loan requests; including but not limited to financials, projections, global cash flows, REO schedules, industry/market, structure, management, terms and environmental. Demonstrating deep understanding of credit risks and mitigants, presenting clearly and concisely in risk focused credit proposals for submission to the appropriate approval authority. Analyze third party appraisals, challenge appraiser assumptions and sensitize in your credit analysis. Review appraisal analysis undertaken by more junior credit underwriters. Work collaboratively with Lending Officers throughout the transaction process, ensuring financials are complete, accurate and received in a timely manner. Attend client meetings and/or site visits as appropriate. Strong understanding of compliance, regulations and the Bank's commercial lending policies, clearly outlining any exceptions to policy and supporting rationale in the credit proposal. Ensure all credit related questions from the approval authority are addressed efficiently and effectively. Contribute effectively at Credit Committee and other Committee meetings as appropriate. Provide guidance and oversight for more junior credit underwriters. Assisting in the completion of various monthly, quarterly or ad hoc reports as necessary. Assisting in gathering information required by Bank examiners and internal audit. Preferred experience, education, and qualifications: Bachelor's degree in Business, Accounting or Finance; or equivalent experience Minimum 7 years in credit related field, preferably in a banking environment with CRE lending Strong analytical / financial modeling skills Ability to multi-task, work at speed to meet challenging deadlines, while maintaining high levels of accuracy Excellent written and verbal communication skills Strong interpersonal skills; work collaboratively and with integrity with key internal and external stakeholders Strong team player with desire to develop and coach less experienced members of the team Working knowledge of all MS Office Suite products and appetite to learn core database management programs Knowledge and experience of all key segments of the CRE industry, with particular focus on the Tri-State region. Management experience, setting goals, motivating, coaching and managing performance of team members. Potential Salary: $150,000- $180,000 annually This salary range only reflects base wages and does not include benefits, bonus, or incentive pay. Salary bands are purposefully wide ranging to encompass the different factors considered in determining where a candidate falls in the range, including but not limited to, seniority, performance, experience, education, and any other legitimate, non-discriminatory factor permitted by law. Metropolitan Commercial Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

What part will you play? If you're looking for a place where you can make a meaningful difference, you've found it. The work we do at Markel gives people the confidence to move forward and seize opportunities, and you'll find your fit amongst our global community of optimists and problem-solvers. We're always pushing each other to go further because we believe that when we realize our potential, we can help others reach theirs. Join us and play your part in something special! The position encompasses financial institutions underwriting. The focus of the position includes reviewing, analyzing, accepting, and declining risks to ensure profitability for Markel. The incumbent will communicate with underwriting management and national Financial Institutions product line leaders on individual accounts, current and proposed producers, and make recommendations concerning operations, systems and procedures when appropriate. The Senior Underwriter will review exposures, terms, conditions and pricing while underwriting new and renewal business and handle related servicing. They will also implement corrective measures on renewal accounts as needed and monitor producers for profitability and production. In addition, they will market products to producers by coordinating marketing plan with regional and national marketing associates as well as participate in audits and/or underwriting meetings as required. Responsibilities: Review, analyze, accept, and decline retail Financial Institutions risks to ensure profitability for Markel. Underwrite and select new business that will produce an underwriting profit. Manage the existing renewal book and implement corrective measures, as needed, to meet profitability expectations. Communicate with regional managers and national Financial Institutions product line leaders on individual accounts, current and proposed producers, and make recommendations concerning operations, systems and procedures when appropriate. Participate in audits and/or underwriting meetings as required. Build and maintain quality relationships with key producers while simultaneously monitoring the entire appointed producer base for profitability and production. Review forms and pricing of competitors and be able to effectively market the Markel product within the competitive landscape Provide training or technical assistance to department underwriting support staff. Qualifications: 3-5 years of Financial Institutions underwriting experience in the East coast of the USA required Demonstrated technical knowledge and skills reflective of progression of positions of increasing responsibility. Demonstrated marketing and relationship building skills. Four year college degree and/or CPCU or similar designation preferred. Excellent oral and written communication skills. Microsoft Office skills to include MS Word and MS Excel. Strong analytical and organizational skills #LI-Hybrid #LI-SY US Work Authorization US Work Authorization required. Markel does not provide visa sponsorship for this position, now or in the future. Pay information: The base salary offered for the successful candidate will be based on compensable factors such as job-relevant education, job-relevant experience, training, demonstrated competencies, geographic location, and other factors. The base salary range for the Sr. Underwriter position is $92k - $127k/year with a 25% bonus potential. Who we are: Markel Group (NYSE - MKL) a fortune 500 company with over 60 offices in 20+ countries, is a holding company for insurance, reinsurance, specialist advisory and investment operations around the world. We're all about people | We win together | We strive for better We enjoy the everyday | We think further What's in it for you: In keeping with the values of the Markel Style, we strive to support our employees in living their lives to the fullest at home and at work. We offer competitive benefit programs that help meet our diverse and changing environment as well as support our employees' needs at all stages of life. All full-time employees have the option to select from multiple health, dental and vision insurance plan options and optional life, disability, and AD&D insurance. We also offer a 401(k) with employer match contributions, an Employee Stock Purchase Plan, PTO, corporate holidays and floating holidays, parental leave. Are you ready to play your part? Choose ‘Apply Now' to fill out our short application, so that we can find out more about you. Caution: Employment scams Markel is aware of employment-related scams where scammers will impersonate recruiters by sending fake job offers to those actively seeking employment in order to steal personal information. Frequently, the scammer will reach out to individuals who have posted their resume online. These "job offers" include convincing offer letters and frequently ask for confidential personal information. Therefore, for your safety, please note that: All legitimate job postings with Markel will be posted on Markel Careers. No other URL should be trusted for job postings. All legitimate communications with Markel recruiters will come from Markel.com email addresses. We would also ask that you please report any job employment scams related to Markel to ***********************. Markel is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of any protected characteristic. This includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law. Should you require any accommodation through the application process, please send an e-mail to the ***********************. No agencies please.