FM is a leading property insurer of the world's largest businesses, providing more than one-third of FORTUNE 1000-size companies with engineering-based risk management and property insurance solutions. FM helps clients maintain continuity in their business operations by drawing upon state-of-the-art loss-prevention engineering and research; risk management skills and support services; tailored risk transfer capabilities; and superior financial strength. To do so, we rely on a dynamic, culturally diverse group of employees, working in more than 100 countries, in a variety of challenging roles.
In this role you will be responsible for developing skills in all three of the Company's key competencies while supporting the account managers, primarily on underwriting issues.
Based on experience candidates will be considered for Underwriter I or Senior Underwriter. The position is located in Reston, VA but will consider Malvern, PA as well.
Providing technical assistance to account managers in handling underwriting details such as values analysis, linesetting, reinsurance needs and placement. As well as, rating and pricing, analysis of coverage, terms and conditions, and cross liability analysis.
Being a resource to the Client Service department by gaining and maintaining up-to-date knowledge of underwriting standards, policy forms and loss prevention practices.
Aiding the Client Service team in the development and implementation of the global insurance programs that satisfy customer needs. This is while adhering to company policies, procedures and guidelines.
Assisting account managers in the preparation and delivery of internal and external meetings, presentations, proposals and account servicing activities.
Keeping up to date on market trends, coverage, programs, reinsurance, and the new developments in the insurance market.
Managing client and broker relationships.
The expectation is that you will complete all necessary training in underwriting and other areas to attain underwriting binding authority and will develop the skills, experience, and knowledge required to ultimately advance to account manager.
Bachelor's degree or equivalent qualification
Experience working in the insurance industry with at least 2 years loss prevention engineering experience preferred!
Flexibility in prioritizing and handling diverse activities and workload.
Excellent communication skills-written, presentational and verbal. Strong analytical and problem-solving skills with considerable attention to detail.
Excellent computer skills.
The position is eligible to participate in FM's comprehensive Total Rewards program that includes an incentive plan, generous health and well-being programs, a 401(k) and pension plan, career development opportunities, tuition reimbursement, flexible work, time off allowances and much more.
FM is an Equal Opportunity Employer and is committed to attracting, developing and retaining a diverse workforce.
$39k-79k yearly est. Auto-Apply 3d ago
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Entry Level Underwriter
HCI 4.6
Underwriter job in Ellicott City, MD
About Us
HCIactive is a rapidly growing InsureTech company transforming how insurance products are built, underwritten, and delivered. We combine cutting-edge technology with deep industry expertise to streamline underwriting processes and enhance client experiences across multiple lines of business.
We're currently seeking an Entry-Level Underwriter with a background in Actuarial Science who is interested in applying their analytical skills in a dynamic, client-facing role-without pursuing a traditional actuarial career path. This position offers the opportunity to collaborate directly with both our Implementation and Sales teams, playing a key role in helping bring new insurance products to market and supporting business growth.
What You'll Do
Support underwriting operations by reviewing submissions, verifying data, and applying basic risk assessment principles.
Collaborate with the Implementation team to set up underwriting rules, configure decision logic, and onboard new products or clients.
Partner with the Sales team to assess new opportunities, assist with quoting processes, and help craft client-specific solutions.
Interpret actuarial models and data outputs to inform underwriting decisions and guide product customization.
Contribute to documentation of underwriting guidelines, process improvements, and internal training materials.
Communicate with clients, brokers, and internal stakeholders to clarify requirements, resolve issues, and ensure smooth implementation.
Work in internal platforms (CRM, underwriting tools, product configurators) to manage workflows and track client progress.
What We're Looking For
Bachelor's degree in Actuarial Science, Mathematics, Statistics, or a related field.
Strong analytical skills and a foundational understanding of insurance principles and risk evaluation.
Interest in insurance and technology, but not necessarily pursuing actuarial exams or a traditional actuarial career.
Excellent communication skills and the ability to explain technical concepts to non-technical audiences.
Detail-oriented with strong organizational and multitasking abilities.
Collaborative mindset and ability to work across functions in a fast-paced startup environment.
Familiarity with Excel and data tools; bonus points for any experience with underwriting software or SaaS platforms.
Why Join Us?
Unique opportunity for those with an actuarial background who want to explore a different path in the insurance ecosystem.
Work alongside experts in underwriting, product, and sales to deliver innovative insurance solutions.
Gain hands-on experience in an evolving field at the intersection of insurance and technology.
Competitive compensation, benefits, and flexible work arrangements.
A supportive, mission-driven team that values curiosity, learning, and collaboration.
Various health insurance options (health, dental, vision)
401k plus company match
Various supplemental plans
Opportunities for advancement
Join us as we reshape the future of insurance through smart technology, better risk insight, and customer-centric solutions. If you're curious, driven, and ready to start your career in insurance and tech, we'd love to meet you.
$61k-95k yearly est. 60d+ ago
E&S Production Underwriter
Amwins 4.8
Underwriter job in Baltimore, MD
Job DescriptionWe know people don't leave companies. They leave cultures - which is why we work so hard on ours. At Amwins, our people are high-achieving, top performers who believe in collaboration, not cutthroat competition. Our teams work together to help each other succeed, and we do right by our clients so they can do right by theirs.We've built a workplace where talent is valued and success is celebrated. In this team-driven environment, Amwins creates the perfect place for you to grow your career with built-in support and opportunity to advance your knowledge base. We, like you, recognize that your team plays an integral part of the success of your book. You will have the opportunity to curate and mentor an outstanding group. Amwins is the industry leader because we hold ourselves accountable to deliver results - for our employees, our clients, our markets and our shareholders. Amwins is seeking qualified candidates for a Production Underwriter position for our nationwide E&S Binding Authority Commercial and Personal Lines Insurance division, Amwins Access.Each Underwriter is a vital member of our teams, providing:
Successfully create and manage a profitable book of new and renewal business
Prospect for new business by developing relationships with retail agents through both traditional and creative marketing strategies
Remain up to date with new insurance companies' offers and how to leverage them
Prospect for new business markets and/or lines to write with sales techniques based in trust and relationship building
Mentor and train new team members
We are looking for people with:
2-3 years of E&S binding authority experience
Bachelor's degree not required but preferred
Knowledge of the sales process and pipeline management
Ability to travel
Licensed preferred
Snapshot of what Amwins provides to our team members:
Compensation includes a competitive base plus an industry-leading bonus plan
Broad benefits package available, with eligibility starting the first day of employment
Most benefits available first day of employment
Medical, Dental, Vision, Life, etc
Parental Leave, Adoption Assistance, Travel Reimbursement for healthcare, Retail Discount Program, Scholarships for dependents of Amwins employees, etc
Generous Paid Time Off and Company Holiday Schedule
Collaborative, continuing education focused work environment
Career advancement opportunities
No direct inquiries, please
Pursuant to Maryland regulation, the compensation range for this position is as stated
and includes eligibility for performance-based bonuses.
Maryland Pay Range$80,000-$110,000 USD
$80k-110k yearly 19d ago
FHA MAP Underwriter
Zentech Consulting 3.9
Underwriter job in Silver Spring, MD
Our client, one of the top affordable housing lenders and investors nationwide, has a unique opportunity for a FHA MAP Underwriter with a strong focus on affordable transactions and 3-5 years' experience to join their growing FHA platform.
Job Description
The MAP Underwriter will be primarily responsible for underwriting and submitting assigned financing applications to the Department of Housing and Urban Development (HUD) in accordance with its MAP Guide, related HUD guidelines, Bank procedures and regulatory guidelines. They will also be responsible for assisting with the preliminary screening of new deals coming into the bank.
Qualifications
Deal Structuring: The Underwriter should understand the use of FHA with LIHTC equity, tax-exempt bond financing, and subordinate financing.
Economic Feasibility Analysis: This includes all components of net operating income (NOI), proposed cost estimates and anticipated lease-up, as applicable. Candidate should have a working knowledge of affordable housing programs including LIHTC, HOME, RAD, HAP contracts and vouchers, ability to research and understand other federal and state programs and apply appropriately to FHA MAP lending guidelines. In addition, the underwriter should be able to understand and apply guidelines related to tax abatement programs and ground leases typical in the affordable housing arena.
Appraisal Analysis and Review: The Underwriter will participate in the process of selecting and working with approved third-party appraisers. They will be responsible for review of the appraisal and related forms and for working with the appraiser to develop an accurate final appraisal.
PCNA/AEC Review/Environmental: The Underwriter will participate in the selection process and work with the third-party toward a final product that meets all HUD guidelines and accurately reflects the transaction.
Mortgage Credit Analysis: Utilizing HUD application documents and other Bank information, Underwriter must be able to analyze credit documentation, including REO schedules, to determine ownership structure and Active Principals, credit worthiness as well as capacity issues and other risks/mitigates to HUD and BANA. The Underwriter should understand the analysis required of LIHTC investors in affordable transactions as well as how to analyze non-profit financial statements and review non-profits.
Underwriter's Narrative, Site Visit, Concept Meeting and HUD Forms: Underwriter is responsible, in conjunction with other team members, for completing the Underwriter's Narrative and required HUD forms pursuant to HUD guidelines. Underwriter is also responsible for conducting the site inspection and if applicable, preparing a concept meeting package and attending concept meeting with Borrower.
Primary contact for HUD on a transaction basis: The Underwriter will serve as the primary HUD contact maintaining a positive relationship throughout.
Facilitate Closing, as needed: Work closely with third-party closer/servicer, attorneys and HUD to facilitate closing.
Travel required for site inspections, conferences, and meetings (20%)
EDUCATION/ EXPERIENCE
MAP Certified (LEAN not required)
3 -5 years of FHA lending experience or equivalent including affordable housing lending
B.S./Master's degree in Accounting, Finance, Economics, Real Estate or other related field
Additional Information
All your information will be kept confidential according to EEO guidelines.
$65k-100k yearly est. 1d ago
Business Banking Underwriter 1
First National Trust Company
Underwriter job in Baltimore, MD
Primary Office Location:300 E. Lombard Street. Baltimore, Maryland. 21202.Join our team. Make a difference - for us and for your future.
Business Banking Underwriter 1
Business Unit: Credit
Reports to: Business Banking Underwriting Team Leader
Position Overview:
Responsible for preparing financial analyses of current and prospective commercial loan customers, spreading financial statements, analyzing industry and economic conditions, completing cash flow analysis, completing full underwriting presentation and performing credit investigations to make appropriate recommendations as to the creditworthiness of borrowers and protect the Bank from loss. The incumbent provides the highest quality of service to every customer. The incumbent typically works on loans/portfolios of lower complexity as the incumbent's work requires significant oversight.
Primary Responsibilities:
Analyzes the creditworthiness of borrowers, identifies key credit issues and prepares full written analysis according to available information and established policies and procedures accurately and timely including completion of the entire underwriting document.
Utilizes software to complete financial spreads, risk ratings, covenant tests, cash flow and global cash flow accurately and timely to aid in the analysis of a borrower's creditworthiness according to established policies and procedures.
Research available data including internet sources and subscription-based utilities as available and summarizes information regarding current and projected status of certain industries and borrowers of Bank services along with general economic trends and conditions according to the availability of research data to aid in the quality of lending decisions.
Develops a personal program for maintaining an adequate level of knowledge in banking matters, compliance, credit analysis, policies and procedures and personal skills and demonstrates interpersonal behavior, attitude, judgment, communication and initiative with customers and employees to ensure an acceptable degree of performance.
Works with manager on group-wide initiatives for process, roles and responsibilities enhancements, and/or output improvements.
Performs other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program. F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.
Minimum Level of Education Required to Perform the Primary Responsibilities of this Position:
BA or BS
Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position:
1
Skills Required to Perform the Primary Responsibilities of this Position:
Excellent project management skills
Excellent communication skills, both written and verbal
Excellent organizational, analytical and interpersonal skills
Excellent customer service skills
Ability to use a personal computer and job-related software
MS Word - Basic Level
MS Excel - Intermediate Level
MS PowerPoint - Basic Level
Knowledge of a wide range of commercial lending (C&I, IRE, Muni, and NFP), underwriting practices, and banking practices
Knowledge of commercial banking policies, procedures and government regulations
Licensures/Certifications Required to Perform the Primary Responsibilities of this Position:
N/A
Physical Requirements or Work Conditions Beyond Traditional Office Work:
N/A
Compensation Grade:
EXT07
Pay Range:
$62,738.00 - $104,572.00
FNB's total rewards package may include other components such as: overtime, incentive, equity and benefits. Salary range is a guideline and is determined by a number of factors including education, experience, skills, internal equity and market conditions. We review pay regularly to ensure competitive and equitable pay. FNB offers a comprehensive benefits package including but not limited to, medical, dental, vision, life insurance, flexible spending accounts, health savings account, 401(k), paid time off, including sick time, vacation time, and paid holidays, and other voluntary benefits.
Equal Employment Opportunity (EEO):
It is the policy of FNB not to discriminate against any employee or applicant for employment because of his or her race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, or status as a protected veteran. FNB provides all applicants and employees a discrimination and harassment free workplace.
$62.7k-104.6k yearly Auto-Apply 9d ago
Underwriter
Atlantic Coast Mortgage 3.7
Underwriter job in Fairfax, VA
Job Responsibilities:
Underwrites FHA/VA and Conventional loan applications ensuring adherence to Company and investor credit quality standards
Maintain ACM mandated turn times for new reviews and conditions
Analyzes mortgage loan files, which includes customer's application, income documentation, appraisal and title reports, to ensure compliance with the company's policies, as well as, state and federal regulations
Analyzes loan attributes and documentation for soundness and accuracy
Analyzes loan applications to identify any risk issues
Evaluates overall income, credit and equity of each loan application
Ensures all required documentation have been received and completed for the loan process approval
Determines the amount of loan to be approved when all criteria for underwriting have been met. Makes recommendation for loan approval
Supports Loan Officers during the qualification process and for turndown decisions.
Provides support to Loan Officers and Processors regarding questions and/or clarification of inquiries, loan files, and underwriting guidelines
Ensures timely review and follow-up steps in order to meet and exceed customer's expectations
Keeps up-to-date on investor and regulatory policies, procedures and changes that affect mortgage underwriting
Communicates with team members and management on outstanding requirements and conditions, as well as, the status of each loan application
Analyzes appraisals (including FHA, under DE program, SAR under VA program and Portfolio Jumbo). Reviews the fee appraiser's reports for completeness and conformity with industry-accepted appraisal practices and techniques as well as all other Federal Housing Administration (FHA) and Veterans Administration (VA) requirements. Determines the reasonable value of the property and any conditions which must be met prior to VA guaranty of the loan
Knowledge of FHA Streamline and VA IRRLS
The candidate should be oriented toward a deal driven environment and capable of managing multiple transactions simultaneously under tight time pressure. Has thorough knowledge of all GSE underwriting requirements
Possesses strong understanding of the operational responsibilities involved in the purchase and transfer of whole loan assets as it pertains to credit quality
Skilled in negotiating issues and resolving problems
Skilled in effective verbal and written communications, including active listening, and presenting findings and recommendations
Ability to establish and maintain working relationships with co-workers, staff and external contacts, and to work effectively in a professional team environment
Qualifications:
FHA DE Designation (CHUMS#)
VA SAR/LAP
USDA/VHDA experience
Experience working with Fannie Mae Desktop Underwriter and Freddie Mac Loan Prospector
Thorough knowledge and understanding of all federal and state guidelines
Ability to read, analyze and interpret technical procedures and government regulations
Superior internal and external customer service skills
Exceptional written and verbal communication skills
Exceptional organizational skills
Ability to work independently and be a team player
Exceptional attention to details
$39k-74k yearly est. 40d ago
Non-QM Underwriter
NFM Lending
Underwriter job in Linthicum, MD
The Non-QM Underwriter is responsible for reviewing and underwriting complex Non-Qualified Mortgage (Non-QM) loan applications following NFM and investor guidelines. This role requires expertise in assessing unique income sources, complex financial scenarios, and risk factors specific to Non-QM and Jumbo loan products. The Non-QM Underwriter collaborates with loan officers, processors, and other stakeholders to ensure a smooth and compliant loan process.
Qualifications:
College degree in finance, business, or related field preferred. Commensurate work experience considered.
Minimum five years of mortgage underwriting experience, with two years in Non-QM loan underwriting and one year in Jumbo loans.
Experience underwriting DSCR, Asset Depletion, and Bank Statement loans.
Proficient knowledge of Non-QM investor guidelines, lending practices, and compliance regulations.
Excellent analytical and decision-making skills for complex financial scenarios.
Proficiency in underwriting software and tools.
Effective communication and collaboration skills.
High attention to detail with a focus on accuracy and risk assessment.
FHA DE and renovation loan experience (Homestyle, 203k) desired.
Essential Job Functions include, but are not limited to:
Review and analyze complex Non-QM loan applications for eligibility and compliance.
Assess financial data, including alternative income sources, tax returns, and credit reports.
Evaluate property appraisals to determine loan-to-value ratios and risk factors.
Ensure adherence to investor guidelines, regulatory requirements, and company policies.
Communicate with loan officers, processors, and other stakeholders to resolve conditions.
Make informed underwriting decisions, including approvals, counter offers, or denials.
Maintain up-to-date knowledge of Non-QM lending trends and guideline changes.
Manage a pipeline of Non-QM and Jumbo loans while meeting turnaround times.
Analyze and mitigate unique risk factors associated with Non-QM lending.
Maintain service-level agreements for underwriting decisions and condition reviews.
Guide team members on complex loan structuring and underwriting scenarios.
Identify opportunities to enhance underwriting processes and efficiency.
Ensure data accuracy and compliance in loan files and underwriting systems.
Underwrite a minimum of 2.5 new loans per day while meeting quality benchmarks.
Adhere to Fair Lending, ECOA, and all applicable regulatory requirements.
Perform additional duties as assigned.
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, skills, efforts, or working conditions associated with a job.
Working Conditions Information:
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 made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is frequently required to sit and talk or hear. The employee is often required to walk; use hands to finger, handle, or operate computers, objects, tools, or controls; and reach with hands and arms. Specific vision abilities required by this job include close vision and the ability to adjust focus.
This job description is not a contract of employment. The employer, in its sole discretion, may modify or adjust the position to meet the organization's changing needs.
NFM Lending Inc. is an equal-opportunity employer. We value diversity and do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. NFM believes success is created by a diverse workforce of individuals with different ideas, strengths, interests, and cultural backgrounds.
The range provided reflects the expected compensation for this role and is considered a general guideline. Actual compensation will be decided based on factors such as geographic location, skills, education, experience assessed during the interview process, and internal pay equity. Compensation may also include incentives such as per-file bonuses and discretionary bonuses as applicable to the role.
Qualifying employees are eligible to participate in our Total Rewards program. Additional information can be found by clicking on the following link: Benefits and Total Rewards
$47k-81k yearly est. 17d ago
Underwriter
Temple View Capital
Underwriter job in Bethesda, MD
We seek an Underwriter with a demonstrated track record of reviewing, analyzing, and decisioning BPL mortgage loan files to join our existing underwriting team. In this role, the Underwriter joins a team front line for our deal assessment and risk analysis-including but not limited to: credit assessment, borrower entity compliance, guarantor experience verification, data validation, and collateral analysis. TVC offers specialized programs for real estate investor clients requires an understanding of multiple program guidelines. The Underwriter must be able to keenly understand and reference guideline differences and apply appropriate guidelines to individual clients and loans. If you possess exceptional attention to detail, the ability to make sound and independent decisions, and the ability to self-manage a personal pipeline, we want you on our team. You should a have specific knowledge of the principal approaches to underwriting; Ideal candidates will have direct experience in the business purpose loan sector. You will work as part of a highly curated team responsible for development and maintenance of TVC's underwriting infrastructure and collaborating with Temple View Capital's Credit Risk, Valuations, Rehab/Construction, Legal, Sales/Processing, and Closing Departments.
This opportunity offers a competitive compensation and benefits package. If you are a skilled residential property appraiser or valuations specialist looking to join a successful and expanding mortgage originator, we welcome hearing from you.
Responsibilities / Essential Job Duties
Evaluate/underwrite individual BPL mortgage loan files for qualification against various product guidelines
Support a quality borrower/client experience using business history, appraisals, credit reports, asset statements, entity documentation and title documents, to accurately and quickly decision files
Work closely with our processing team to review and clear all underwriting conditions to obtain a clear to close
Push a daily pipeline of working files though origination milestones to completion
Act as a resource of underwriting expertise to support our other TVC departments, particularly Sales, Processing, and Valuations teams
Develop a strong working knowledge of all TVC loan programs and guidelines
Assess LTV's and other relevant ratios as they relate to deal analysis
Perform common sense research related to collateral value, client performance history, or other atypical scenarios as they arise
Collaborate with all of TVC's team members as needed to make sound business decisions for every client
Perform other duties as assigned to contribute to a best in class client experience
Competencies/Skills
Ability to meet established productivity standards while maintaining high quality file reviews
Multi-tasking proficiency to manage immediate tasks along with a pipeline of various file types
Excellent organization and computer skills, strong working knowledge of MS office (particularly Excel)
Excellent written and oral communication skills and ability to work efficiently and collaboratively with other departments
Motivated and organized self-starter with strong attention to detail
Ability to exercise sound, independent judgement, reliable, and strong team player
Comfortable working under pressure to balance production timelines with individual client needs
Education and Experience
Bachelor's degree preferred; Will also consider candidates with exceptional BPL mortgage experience
Two to five years' experience as a residential mortgage underwriter preferred, but not required; may be offset by education and applicable training and experience
Knowledge of mortgage underwriting concepts, best practices, and procedures
About the Company
Company website: ******************************
Benefits
Salary: $80,000 - $90,000 pending experience, qualifications, and location
Supplemental Pay:
Discretionary annual bonus
Benefits (waiting period may apply):
401(k) with matching
Health insurance
Dental insurance
Vision insurance
Life insurance
Disability insurance
Flexible schedule
Paid time off
Schedule:
Full time
Monday to Friday 9AM - 6PM
Work Location:
Bethesda, MD or hybird (2-3 days a week in the office)
EEO Statement
We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law.
$80k-90k yearly 60d+ ago
Project Finance Underwriter
Ryde Technologies
Underwriter job in Arlington, VA
We are looking for a Project Finance Underwriter to join our team.
Responsibilities
Evaluate the risks and long-term cash flows of large-scale projects, with repayment analysis focused on the project's success and its own generated revenues, not just a single asset or the borrower's broader balance sheet.
Conduct and evaluate comprehensive Credit Assessments for project finance opportunities, including infrastructure, energy, public-private partnerships (P3), and other complex, multi-party projects.
Analyze and underwrite new and existing project finance transactions, applying strong financial modeling skills for cash flow projections, scenario analysis, and risk identification across the full project lifecycle.
Support the project finance team with expertise in structuring, analysis, and credit documentation for project-based lending, including creation and review of term sheets, covenants, and risk mitigants tailored to project finance structures.
Qualifications
Bachelor's Degree in Business, Finance, Economics, or a related field.
5-10+ years of experience in Commercial Lending and Credit Analysis
Strong analytical and communication skills.
Experience in risk assessment and credit analysis for large-scale industrial loans.
Proficiency in financial statement spreading, preparation of projections, and trailing twelve-month analysis.
Completion of a credit training program.
Ability to obtain and maintain necessary security clearances.
Proficiency in Microsoft Office Suite (2016 or later).
Ability to travel to Crystal City, Virginia, and other U.S. locations as needed.
Additional Requirements
Must sign a Non-Disclosure Agreement within five business days of award or onboarding.
Ability to work in a high-paced team environment, multitasking effectively.
Strong financial modeling skills, ability to structure, perform due diligence, document, and close complex transactions.
EEO Compliance:
Ryde is an Equal Employment Opportunity/Affirmative Action Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, sexual orientation, gender identity, national origin, disability, protected veteran status, or any other characteristic protected by law. Ryde will consider qualified applicants with criminal histories in a manner consistent with the requirements of applicable law.
$49k-85k yearly est. 60d+ ago
Senior Mortgage Underwriter
Shore United Bank 4.7
Underwriter job in Annapolis, MD
Shore United Bank is seeking a full-time Senior Mortgage Underwriter to join our team. This role involves assessing borrowers' financial positions to evaluate credit risk, managing loan applications to meet service level agreements, and ensuring compliance with regulatory requirements and bank standards. Additionally, the Senior Mortgage Underwriter will collaborate with internal teams, maintain certifications, and provide exceptional service while demonstrating expertise in agency products, income analysis, and mentoring peers.
Essential Functions Include:
Analyzes current financial position of borrowers to determine the degree of risk involved in extending credit. Makes decisions to approve, deny, or forward the loan request to a higher level for a decision.
Monitors work queue to ensure loan applications are reviewed and underwritten in an acceptable time period and meets the SLA's (service level agreements) set forth for each loan product type.
Collaborates with Sales, Operations, and Closing to provide exceptional internal and external customer service.
Has detailed understanding of Agency products FNMA/FHLMC/FHA/VA/USDA
Credit and collateral underwriting of FHA, VA, Conventional, VA SAR, CDA, USDA and Portfolio mortgage loans with a high degree of attention to detail.
Perform income analysis which includes reviewing self-employment income for those borrowers with Schedule C, 1065, 1120 and/or 1120S
Demonstrate ability to mentor peers in skill development
Develops, maintains, and demonstrates a working knowledge of bank mortgage loan standards, policies, procedures, and applicable state and federal government rules.
Underwrites all residential mortgage loans with compliance of Regulation Z-ATR and QM requirements.
Maintain certifications in FHA, VA, and USDA underwriting
Abide by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the workplace.
Cooperate with, participates in, and supports the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the Bank's compliance with all regulatory requirements, e.g. Community Reinvestment Act (CRA), Bank Secrecy Act (BSA), Equal Credit Opportunity Act, SAFE Act, etc.; ensures that the office and all personnel adhere to the same.
Participate in required training sessions, including training for compliance with BSA/AML policies and procedures.
Location: Westgate Building - 200 Westgate Circle, Annapolis, MD 21401
Position Type/Expected Hours of Work:
Full-time.
Non-exempt.
Days of Work: Monday-Friday.
Required Education and Experience:
High school diploma/GED equivalent.
Minimum of five years' experience underwriting mortgage loans.
Working Knowledge of AUS, DU and GUS.
Must currently have LAPP and DE certifications.
Bachelor's degree or equivalent experience in residential mortgage underwriting/credit preferred
Excellent working knowledge of all consumer and mortgage related regulatory requirements, including but not limited to: BSA, Reg B-ECOA, Reg C-HMDA, Dodd-Frank, Reg X-RESPA, Reg Z-TILA, SCRA, and UDAAP.
Mortgage Credit regulatory knowledge and training.
Compensation:
The pay range for this position is $45.00 to $57.50 hourly.
Actual compensation offered may vary from the posted hiring range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer.
Company Benefits:
Join a family and community-oriented workplace that offers a team environment, along with a collaborative and friendly place to work.
Comprehensive benefits package for full-time employees including health, dental, vision, company-paid life insurance, mental health well-being, short-term and long-term disability, and much more!
Paid parental leave
401k savings plan with up to a 4% company match
Employee Stock Purchase Plan
Employee perks such as: employee banking services, loan discount program, education assistance, career development program, Employee Assistance Program, and wellness initiatives.
Opportunity for growth and advancement
Paid training program and continuous training sessions throughout the year on various topics
Generous paid time off and paid sick time
Community involvement opportunities
Shore United Bank is a full-service financial institution with a rich history dating back to 1876. In excess of $6 billion in assets, we offer innovative financial services delivered with the personal touch you expect. We serve a broad geographic area with branches in Maryland, Delaware, and Virginia, and we also provide a comprehensive suite of digital banking services that allow you to bank with us no matter where life takes you. In addition to banking, we offer trust and wealth management services through Wye Trust, a division of Shore United Bank. Together, our team of experienced professionals is dedicated to helping you achieve your financial goals.
Shore United Bank is an Affirmative Action/Equal Opportunity Employer. Shore United Bank is an E-Verify participant.
$45-57.5 hourly Auto-Apply 60d+ ago
Wholesale Underwriter
Dominion Financial Services
Underwriter job in Baltimore, MD
Who We Are: Dominion Financial Wholesale (DFW) is a nationally recognized Non-QM lender dedicated to serving consumer mortgage brokers. Specializing in DSCR and alternative-qualification loan products, we provide flexible, client-focused financing solutions that help brokers grow their businesses and close more deals. We're expanding rapidly and looking for a detail-oriented Underwriter to join our team and support our mission of delivering speed, service, and reliability-
where brokers win.
Our Company's Core Values:
Integrity
Accountable & Dependable
Team Centric
System & Process Oriented
Service Ethic
Organized Efficiency - Risk Management & Compliance
Your Impact:
Ensure the integrity of mortgage underwriting decisions that directly affect loan quality and investor trust
Drive efficient and compliant underwriting processes to support rapid loan decisioning and broker satisfaction
In This Role You Will:
Review and assess mortgage loan applications to determine eligibility and risk
Analyze financial documents such as tax returns, bank statements, appraisals, and credit reports
Make informed underwriting decisions based on company guidelines, program requirements, and applicable regulations
Collaborate with loan officers, processors, and other stakeholders to clarify and gather required documentation
Maintain complete, accurate records of underwriting decisions and conditions
Stay current on industry regulations, Non-QM program changes, and underwriting best practices
Support a team-oriented, solutions-driven underwriting environment
Perform other underwriting-related duties as assigned by management
Requirements:
Bachelor's degree or 5+ years of mortgage underwriting experience
Minimum of 5 years as a Mortgage Underwriter with demonstrated ability to manage complex underwriting scenarios
Strong experience underwriting Non-QM products (bank statement, asset depletion, DSCR, 1099, and P&L loans)
Manual underwriting experience required
Recent underwriting experience (within the past 6 months)
Expert understanding of both Agency and Non-QM lending guidelines and compliance requirements
Proficiency with mortgage software systems, including Encompass and Mavent
Exceptional analytical, organizational, and decision-making skills
Clear, professional communication skills, both written and verbal
High attention to detail and accuracy
Benefits:
Health insurance
Dental insurance
Vision insurance
401(k)
401(k) matching
Paid time off
While At Dominion You Will Enjoy
Company outings & social events
Virtual events
Companywide competitions and raffles
Personal financial workshops
Orioles season tickets
$47k-81k yearly est. Auto-Apply 55d ago
Field Underwriter
Luminous Financial
Underwriter job in Baltimore, MD
INSURANCE SALES REPRESENTATIVE - REMOTE SALES - WORK FROM ANYWHERE!
We offer Part-time and Full-time job opportunities everywhere in the United States.We are looking for motivated people who want to become financially independent and get a sense of significance in their work. We offer LICENSED PRODUCERS a very good opportunity for financial freedom! In addition, we help UNLICENSED AGENTS get through the LICENSING REQUIREMENTS and provide free training to help them achieve their goals.
WHO WE ARE
We are an independent broker of Living Benefits Life Insurance. We represent some of the largest insurance carriers in the USA and Canada. This is a place agents can (1) be their own boss and set their own schedules; (2) gain financial independence; and (3) get the respect and recognition they deserve.
What do distributors do?
We are hiring and training men and women to distribute a revolutionary new type of life insurance with Living Benefits. This allows the policy holder to accelerate the death benefit for their own use while they are still living. Living benefits are the best-kept secret of life insurance. This new type of insurance practically sells itself. These insurance agents service middle income America and we are looking for entrepreneurs who want to build their own distribution network. We are partnering with agency owners with a current sales force or we will train you to hire and build your own agency.
The absolute best compensation in the industry - you literally determine your own income and income potential. Agents can earn commissions in excess of 140% of sales!
We have an unmatched and proven hiring and onboarding system in place.
Great carrier overrides and bonuses!
Job requirements
Life insurance license or willing to obtain one.
You will need a valid drivers license and vehicle to travel to and from client appointments. Cell and laptop/tablet and/or IPAD are required as well.
What do we offer?
If you currently have a Life Insurance license, then you can be in the field within one week
If you do not have a Life Insurance License, no problem! We can show you how to get one very easily - Most complete the requirements in one week or less!
There is no income cap and we offer weekly bonuses, monthly bonuses, and a profit sharing program.
Disclaimer: Compensation is 100% Commission and Bonus. Please be aware before applying for position
Training is 100% FREE and it is the absolute best in the industry. We will train you to call, set, and run appointments from your home office.
We offer the best leads in the industry. Our leads are new, qualified, and affordable. We have access to multiple vendors which ensures our agents high quality, low cost leads.
Renewals are 100% vested from day one - there is no waiting period!
Flexible schedule - you are your own boss and you set your own schedule
Opportunity for advancement into leadership and management roles.
$47k-81k yearly est. 60d+ ago
Mortgage Loan Underwriter Senior
City National Bank 4.9
Underwriter job in Annapolis, MD
WHAT IS THE OPPORTUNITY? The role of the Underwriter III is to evaluate the credit risk against company standards and to determine the borrower's ability to repay a residential mortgage. The Underwriter III analyzes and interprets the most complex financial and non-financial data decisioning the requests with the goal of achieving the optimal quality asset for the bank while satisfying the needs of borrower. The Underwriter III is also responsible for LLCs along with other complex borrower types. The Underwriter III works within established lending authorities and guidelines, with complex or unusual situations escalated to the next highest authority level for resolution. This includes mentoring and training of Underwriters I and II including second level reviews.
What you will do
* Reviews the loan package received to ensure completeness verifying that all supporting documents are included to make a credit decision per established policies
* Identifies issues and recommends appropriate resolution within policy service level agreements
* Analyzes and determines the financial capacity of the borrower's ability to repay:
* Performs credit analysis, financial statement analysis, cash flow analysis, liquidity qualification and payment calculation spreads
* Reviews for stability of residency and employment
* Verifies income per established policy
* Identifies any exceptions to current policies
* Documents a reasonable conclusion mitigating any identified risks supporting the request will be repaid
* Accurately sets and clears conditions
* Interacts with RLC and Processor throughout the life cycle of the loan, providing information, updates and assistance as required
* Updates System(s) with pertinent information and appropriate data as required
* Renders a decision within his/her lending authority. If deal is outside of lending authority, provides a recommended decision and submits for appropriate level signing authority
* Originates appropriate client letters; Commitment, Counter Offer, Declination
* Certifies and provides a final Workbook to the Processor
* Ensures compliance with bank and statutory/regulatory guidelines
* Client Satisfaction
* Promotes a team environment fostering a positive working environment
* Functions as a collaborator and innovator to drive continuous improvement
* Provides guidance and support to the RLC and Processor when required
* Utilizes systems and tools to ensure that the RLC's are updated on the status of loans
* Interacts and communicates daily with all levels as required to support business units, Processors, Funding/Doc Prep to ensure requirements are understood and met
* Provides timely, complete and accurate response to inquiries
* Handles all situations in a professional and ethical manner
* Takes the lead in resolving problems for his/her own loans; assisting Underwriters I and II with resolutions
* Supports and contributes to the quality and customer satisfaction goals of the bank
* Productivity
* Ensures all goals and service level agreements (SLAs) are met
* Tracks, logs and provides daily, weekly, monthly, quarterly reporting of production statistics as defined by management
* Consistently meets quality control and data integrity standards
* Effectively utilizes available systems, workflow and imaging tools
* Mentor and train Underwriters I and II
* 2nd level review of Underwriters I and IIs' work
* Performs other duties as assigned by Management, including participation in projects, process improvement initiatives, etc.
*Must-Have**
* Minimum 7 years of experience as an Underwriter in a financial services or mortgage banking environment required.
* Minimum 7 years of experience in jumbo and super jumbo underwriting to investor or organization's guidelines required
* Minimum 7 years of experience with state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.).
*Skills and Knowledge*
* Bachelor's degree in Business, Finance or Economics or related discipline with 10 or more years of experience in a mortgage banking environment required
* Familiar with FNMA/FHLMC guidelines
* Computer literate with experience using Microsoft applications with mortgage industry standard software, preferably InterLink E3 or NetOxygen/Gallagher.
* Superior ability to communicate effectively in both verbal and written form
* Strong time management skills to plan and organize a high daily loan volume
* Strong ability to be very detail oriented
* Must be a team player and work constructively with their fellow colleagues
* Specific knowledge and exposure to funding and loan documentation to resolve more complex situations such as occur with LLC's, irrevocable trusts, and Co-operatives
*Compensation*
Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.
**To be considered for this position you must meet at least these basic qualifications*
The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.
*Benefits and Perks*
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our ****************************************************************************************************
ABOUT CITY NATIONAL
City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92.03 billion in assets as of April 30, 2024. Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $96.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves.
*City National Bank does business in Miami and the state of Florida as CN Bank.
For more information about City National, visit *********************
*EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION*
City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. **************************************************************************************************
If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via mailto:*************************) or leave a message at *************. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days.
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.
$41.8-66.8 hourly 60d+ ago
Credit Underwriter - Renewable Energy
Federal Agricultural Mortgage Corporation 3.9
Underwriter job in Washington, DC
Farmer Mac is looking to hire a driven, analytical, and personable individual with five (5) or more years of credit, lending, and structuring experience or three (3) or more years of relevant renewable energy experience for the position of Credit Underwriter for its Infrastructure Finance team.
Team Summary
Farmer Mac's Infrastructure Finance team is a fast-paced, knowledgeable, mission-oriented team lending to organizations that finance renewable energy project finance transactions, power and utility entities and broadband companies, in addition to providing wholesale lending to a select group of financial institutions. Infrastructure Finance has delivered significant growth and is a crucial business in the execution of Farmer Mac's strategic plan. The segment's focus is on deepening existing client relationships, developing new customer relationships, and diversifying the products offered to clients.
Position Summary
The primary responsibilities of the Credit Underwriter include underwriting new loan opportunities, writing analytical credit recommendations, running sensitivity models, and portfolio management as it pertains to the Renewable Energy segment. The Credit Underwriter will maintain power and utilities industry knowledge with an emphasis on renewable energy and help to maintain key relationships with customers and business partners. The Credit Underwriter will develop internal relationships to help conduct portfolio activities leading up to credit approval, as well as post-approval processing; and be a part of the team driving new product innovation. This role is expected to contribute immediately towards accelerating growth within Farmer Mac's Renewable Energy segment and contribute significantly to Farmer Mac's strategic objectives and initiatives.
Who You Will Work With
The Renewable Energy Credit Underwriter will report directly to the Senior Director - Credit Underwriting. The position holds a high level of visibility within the company and will have regular interaction with Senior Managing Director of Infrastructure Finance, Managing Director of Renewable Energy, Relationship Managers, Transaction Management, and Farmer Mac internal and external counsel. The position will also have a high degree of interaction with Farmer Mac credit committee, including the Chief Credit Officer, and Farmer Mac clients.
Where and When You Will Work
The position can be remote or based in Farmer Mac's Washington, DC or Johnston, IA, locations. Work outside of core hours may be required for planned and unplanned activities to complete time sensitive projects or to attend off-site meetings or events.
Key Responsibilities
* Primary contributor in the underwriting, portfolio management process, serving as a direct point of contact for client interaction during the underwriting and structuring phase.
* Review, analyze, and assess complex transactions from a variety of counterparties across project finance space within the United States, with a focus on renewable energy.
* Review and critically evaluate potential transactions including structure, key counterparties, technology, contracts, and financial projection models.
* Review loan documentation and consultant reports of potential opportunities for acceptability of terms and conditions and advise on structural considerations.
* Prepare and conduct credit presentations, recommending new or incremental credit exposure to the credit committee.
* Work with Relationship Manager, Transaction Management, Loan Operations, and Legal to coordinate the close of transactions.
* Manage an existing portfolio of borrowers, track ongoing financial performance and trends, report on covenant compliance, and ensure accurate borrower risk ratings.
* Secondary contributor in preparing annual reviews with risk rating rationale, managing portfolio credit actions including amendments, waivers, and consents.
* Develop and maintain knowledge of specific industries, economy, market conditions, rates, and competition.
Professional Experience/Qualifications
* Bachelor's degree in finance, accounting or related.
* Five (5) or more years of credit underwriting experience or three (3) or more years of relevant renewable experience (e.g. development, finance, project management).
* General understanding or willingness to learn specific dynamics of power industries and project finance structures.
* Ability and desire to eventually handle renewable energy deal opportunities largely autonomously, including sensitizing financial models, calculating financial ratios, reviewing third-party reports and financing agreements, having awareness of power industry technologies and key participants, identifying key strengths and weaknesses, developing reasonable credit solutions, and providing credit recommendations.
* Excellent skills in credit analysis, quantitative and qualitative assessments, valuation, loan underwriting, and documentation review.
* Ability to work well in a team environment.
* Must have strong written and verbal communication abilities.
* Self-starter with strong work ethic and the ability to work on one or more tasks efficiently and effectively with minimal supervision.
* Broad knowledge of risk management processes and functions.
Our compensation philosophy is targeted pay positioning relative to peers, our industry, and external markets. Farmer Mac is committed to a compensation program that will enable the organization to attract, motivate, reward, and retain highly skilled and creative talent to maintain sustained long-term performance and achieve the organization's strategic business objectives. The typical base pay range for this role is $115,000 to $145,000 per year. Compensation will vary based on experience and geographic work location.
$45k-62k yearly est. 6d ago
Mortgage Underwriter
Capital Bank Career 4.5
Underwriter job in Rockville, MD
About Us Capital Bank N.A. is headquartered in Maryland, and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. We offer commercial and consumer banking services to clients in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands; Capital Bank Home Loans and OpenSky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey. Come join a bank where our employees thrive and are engaged in meaningful work. For the last 5 out of 6 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker. Capital Bank Home Loans, a division of Capital Bank N.A., is a premier nationwide mortgage lender. We deliver over $1BLN in new mortgage originations annually with a 50 state platform, in house underwriting and closing, and excellent pricing and products. We invested in digitizing our online mortgage application process to help expedite home buying or refinancing for our customers.
Come join a bank where our employees thrive and are engaged in meaningful work. For the last 5 out of 6 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker. Many top ranked mortgage lenders have joined Capital Bank Home Loans and we are looking to grow the business further by bringing in branches or independent originators. Position Purpose The Mortgage Loan Underwriter is responsible for evaluating and analyzing mortgage loan applications to determine the creditworthiness of borrowers and ensure compliance with federal, state, and company regulations. This role involves assessing financial documents, credit reports, property appraisals, and income information to make informed decisions on loan approvals, conditions, or denials. The underwriter ensures that each loan meets the bank's risk standards while supporting a smooth and efficient loan origination process. Position Responsibilities
Underwrite a minimum of three new loan files per day
Review, analyze, and clear updated and conditioned loan files within required turn times
Maintain CBHL-mandated turn times for new submissions, resubmissions, and condition reviews
Monitor and respond to CSM scenarios within required timeframes
Provide underwriting and eligibility support to other Capital Bank departments as needed
Underwrite FHA, VA, USDA, Conventional, Non-Agency, and Jumbo loan products in accordance with company policy and investor overlays
Perform new and established condominium project reviews, including warranty and eligibility determinations, in accordance with agency and investor guidelines
Analyze loan documentation and data for accuracy, completeness, and overall soundness
Identify and assess credit, income, asset, and collateral risk factors
Review appraisals and collateral documentation, including condominium and PUD projects
Support Loan Officers during the borrower qualification and structuring process
Remain current on investor, agency, and regulatory guideline updates impacting underwriting and condominium project eligibility decisions
Minimum Education and Experience
Minimum Education and Experience
High School Diploma or equivalent required
Minimum of five years of experience underwriting agency mortgage loans
Minimum of five years of experience underwriting secondary market guidelines
Minimum of two years of experience with Jumbo and Non-Agency products
FHA Direct Endorsement (CHUMS) designation required
VA SAR/LAPP designation required
USDA underwriting experience preferred
Housing Finance Agency experience required (DC, DE, FL, VA, MD preferred)
Bachelor's degree preferred
Knowledge, Skills, and Abilities
Strong teamwork and customer service orientation
Excellent organizational skills and ability to manage multiple priorities
High sense of urgency and accountability for deadlines and assignments
Ability to work effectively in a fast-paced environment
Proficiency with Fannie Mae Desktop Underwriter and Freddie Mac Loan Product Advisor
Encompass LOS experience preferred
Advanced income analysis, including complex self-employed and variable income scenarios
Credit risk analysis and interpretation
Appraisal and collateral review, including condominium and PUD projects
Ability to accurately interpret and apply agency, investor, and condominium project guidelines
Strong problem-solving, critical thinking, and decision-making skills
Clear and professional written and verbal communication
Constant and consistent attention to detail
Compensation
Base Salary Range: $80,000 - $105,000 annually (Rockville, MD salary range). Final determination of where you are at in the salary range is based on numerous factors such as geographic location, relevant experience, skill set, education, and ability to meet qualifications within the job description.
We are hiring in: MD, DC, VA, PA, DE, NC, SC, FL, IN, IL. Candidates in other locations will receive the pay range tied to their specific area.
Additional Compensation: This role will include a yearly annual target bonus based on individual performance.
Additional Details
This position will be a remote role.
Supporting Businesses. Helping People. Strengthening Communities.
Capital Bank, N.A. is an Affirmative Action, E-Verify, and Equal Opportunity Employer.
$80k-105k yearly 17d ago
Case Underwriter II
Trustmark 4.6
Underwriter job in Washington, DC
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.
$61.4k-88.7k yearly 60d+ ago
Mortgage Underwriter
Solomonedwards 4.5
Underwriter job in Annapolis, MD
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
****************************
$26-36 hourly Easy Apply 60d+ ago
Personal Lines Underwriter
Kaufman Financial Group
Underwriter job in Huntingtown, MD
Responsibilities * Build, maintain, and grow a book of business * Manage agency relationships and serve as lead client contact * Create and execute marketing plan to increase new and renewal business * Rate, quote and bind each risk to determine acceptability, coverage, and pricing for large or complex renewals as well as new business
* Develop and submit underwriting referrals to company brokerage facilities and Burns & Wilcox management
* Monitor key metrics to formulate corrective action impacting new business hit, renewal retention, premium growth, and loss ratio
* Lead, train, and develop Assistant and Associate Underwriters
Qualifications
* Bachelor's degree or equivalent combination of education and experience
* Minimum 3 years of Personal lines underwriting or brokerage experience required, excess & surplus experience preferred
* Demonstrated proficiency in sales and marketing
* Proven organization skills and ability with a strong attention to detail
* Interest in continued education and professional development
* Insurance license, CPCU, CIC or comparable designations preferred
Compensation Package:
* Base compensation for the position ranges between $75,000 to $120,000 based on qualifications. The role will also be eligible for a sales incentive performance bonus.
* Flexible, hybrid & remote options
* Health benefits & 401K with employer match
* Employer paid continuing education courses and designations
* Many opportunities for career advancement
About Our Company
Burns & Wilcox, the flagship organization of H.W. Kaufman Group, is North America's leading wholesale insurance broker and underwriting manager. Burns & Wilcox offers wide ranging and comprehensive solutions to serve retail insurance brokers and agents of all sizes, from the large houses to the more than 30,000 independent brokers and agents worldwide. Fueled by its freedom from Wall Street and private equity, Burns & Wilcox is a privately owned company whose standards of service, depth of market relationships and outstanding talent are unsurpassed in the specialty insurance sector.
Equal Opportunity Employer
The H.W. Kaufman Group of companies is an equal opportunity employer. All employment decisions are based on business needs, job requirements and individual qualifications, without regard to race, color, religion, gender, gender identity, age, national origin, disability, veteran status, marital status, sexual orientation, genetic information or any other status or condition protected by the laws or regulations in the locations where we operate.
#LI-PD1
$75k-120k yearly Auto-Apply 15d ago
Consumer Loan Servicer
Lafayette Federal Credit Union 4.4
Underwriter job in Rockville, MD
Requirements
A day in the life of a Consumer Loan Servicer will include:
Performing a variety of loan servicing duties such as collateral loan title tracking, maintaining insurance tracking for collateral loans, filing Uniform Commercial Code (UCC), and generating lien releases.
Providing legendary service to members and third parties by resolving their inquiries such loan payment history, payment correction, generating payoff statements, processing payoff transactions, due date changes, interest rate discounts, loan amortization, and loan verification.
Generating and reviewing Consumer loan reports, including but not limited to Funding reports, Paid in Full reports, Low Balance reports, UCC reports. Maintain tracking log for Auto, Boat and RV title, Insurance, and UCC.
Performing quality control on all consumer loans and ensures data within the core system is aligned with the loan agreement.
Reviewing third-party vendors' reports/invoices and auditing for accuracy to LFCU's data and for keeping update with the all-consumer loan servicing policies and procedures.
Being responsible for collecting the required documents necessary for subordination request on loans held in Lafayette Federal portfolio and assisting the Investor Relations team for loans held by various Investors. Upon approval prepare the subordination agreement and update the tracker.
Experience:
Three to five years of similar or related experience
Education:
A high school education or GED.
Top benefits or perks:
Joining Lafayette Federal comes with perks to support you in your personal and professional journey.
We provide employees with a generous benefits package including:
Employer paid (99.9%) health insurance premium for single and family coverage (HMO Plan)
Fully funded deductible (HMO Plan)
401k employer matching contribution
Income protection with life insurance, short and long-term disability
Paid time off, holiday leave & birthday leave
Educational assistance
Commuter benefits program and more!
The job posting highlights the most critical responsibilities and requirements of the job. It is not all-inclusive. There may be additional duties, responsibilities, and qualifications for this job.
Pay: $54,000 - $57,500 annually depending on experience and qualifications.
*Lafayette Federal Credit Union is an Equal Opportunity and E-Verify Employer
*EOE/AA/DISABILITY/VETERAN
$54k-57.5k yearly 16d ago
Underwriter I
FM 3.9
Underwriter job in Reston, VA
FM is a leading property insurer of the world's largest businesses, providing more than one-third of FORTUNE 1000-size companies with engineering-based risk management and property insurance solutions. FM helps clients maintain continuity in their business operations by drawing upon state-of-the-art loss-prevention engineering and research; risk management skills and support services; tailored risk transfer capabilities; and superior financial strength. To do so, we rely on a dynamic, culturally diverse group of employees, working in more than 100 countries, in a variety of challenging roles.
In this role you will be responsible for developing skills in all three of the Company's key competencies while supporting the account managers, primarily on underwriting issues.
Based on experience candidates will be considered for Underwriter I or Senior Underwriter. The position is located in Reston, VA but will consider Malvern, PA as well.
+ Providing technical assistance to account managers in handling underwriting details such as values analysis, linesetting, reinsurance needs and placement. As well as, rating and pricing, analysis of coverage, terms and conditions, and cross liability analysis.
+ Being a resource to the Client Service department by gaining and maintaining up-to-date knowledge of underwriting standards, policy forms and loss prevention practices.
+ Aiding the Client Service team in the development and implementation of the global insurance programs that satisfy customer needs. This is while adhering to company policies, procedures and guidelines.
+ Assisting account managers in the preparation and delivery of internal and external meetings, presentations, proposals and account servicing activities.
+ Keeping up to date on market trends, coverage, programs, reinsurance, and the new developments in the insurance market.
+ Managing client and broker relationships.
+ The expectation is that you will complete all necessary training in underwriting and other areas to attain underwriting binding authority and will develop the skills, experience, and knowledge required to ultimately advance to account manager.
+ Bachelor's degree or equivalent qualification
+ Experience working in the insurance industry with at least 2 years loss prevention engineering experience preferred!
+ Flexibility in prioritizing and handling diverse activities and workload.
+ Excellent communication skills-written, presentational and verbal. Strong analytical and problem-solving skills with considerable attention to detail.
+ Excellent computer skills.
The position is eligible to participate in FM's comprehensive Total Rewards program that includes an incentive plan, generous health and well-being programs, a 401(k) and pension plan, career development opportunities, tuition reimbursement, flexible work, time off allowances and much more.
FM is an Equal Opportunity Employer and is committed to attracting, developing and retaining a diverse workforce.
How much does an underwriter earn in Silver Spring, MD?
The average underwriter in Silver Spring, MD earns between $36,000 and $103,000 annually. This compares to the national average underwriter range of $39,000 to $96,000.
Average underwriter salary in Silver Spring, MD
$61,000
What are the biggest employers of Underwriters in Silver Spring, MD?
The biggest employers of Underwriters in Silver Spring, MD are: