Underwriter jobs in Temple, TX

SWBC is seeking a talented individual to underwrite mortgage applications to include composing and creating credit decisions, interpret investor guidelines and policies, and review all loan submissions to ensure investor guidelines are met. This individual weighs credit risks to ensure loans originated by the company will be saleable in the secondary market, trains other underwriters, monitors the Mortgage Underwriting Scenarios Mailbox, acts as a liaison to the IT Department for systems issues, and performs underwriting for more complex loan products. Essential duties include the following: Provides technical assistance to other underwriters, loan originators, and processors and closers in order to enhance volume, accuracy, and efficiency through personal interaction and monitoring of Scenarios Mailbox. Develops training materials for new underwriters and for continued staff development; performs actual training of new underwriters; and assists in their development as needed. Acts as contact point and represents Underwriting Department for systems improvements including LOS systems. Determines and advises if a file can be counter-offered to a different product and/or program when appropriate. Underwrites all loan types including the more complex products. Performs second-level reviews of other underwriter files as needed. Interprets investor guidelines and policies to ensure that loans are salable in the secondary market. Underwrites Conventional, FHA, VA, and USDA loans ensuring compliance with appropriate company and secondary market investor standards. Makes decisions related to credit and collateral; analyzes complex loan documentation (i.e., appraisal reports, compliance inspections, credit reports, job verifications, financial statements and tax returns) to evaluate subject property and credit worthiness of borrowers; and determines if loans meet approval criteria and informs production staff within corporate time frame. Responds to investor, agencies, and internal qualify control audits as needed. Serious candidates will possess the minimum qualifications: Minimum of five (5) years mortgage lending experience, which includes at least three (3) years mortgage underwriting experience. Thorough understanding of FHA, VA, FNMA, FHLMC, and conventional guidelines, policies and procedures. Thorough knowledge of all underwriting procedures and real estate appraisals. Thorough knowledge of creditor financial analysis techniques and mortgage credit evaluations. Excellent analytical and decision making skills. Strong verbal and written communication skills. Strong negotiation skills. Thorough knowledge of MI policies. Thorough knowledge of complex personal and business financial analysis and an expertise in tax return and balance sheet analysis, including both cash flow and AGI methods. Working knowledge of personal computers to include MS Word and Excel. Possess a HUD Direct Endorsement Underwriter and a FHA DE designation. VA LAPP designation strongly preferred. Able to sit for long periods of time analyzing loan applications, credit reports, and other related documents. Able to lift/push/pull/stoop/kneel 10 - 20 lbs. of files or other documents. SWBC offers*: Competitive overall compensation package Work/Life balance Employee engagement activities and recognition awards Years of Service awards Career enhancement and growth opportunities Leadership Academy and Mentor Program Continuing education and career certifications Variety of healthcare coverage options Traditional and Roth 401(k) retirement plans Lucrative Wellness Program *Based upon employee eligibility Additional Information: SWBC is a Substance-Free Workplace and requires pre-employment drug testing. Please note, SWBC does not hire tobacco users as allowed by law. To learn more about SWBC, visit our website at ************* If interested, please click the appropriate apply button.

Company Details At Berkley Entertainment, we have over 25 years of underwriting risks in Entertainment & Sports. Our one focus is entertainment insurance. We bring our decades of entertainment experience together to go beyond the basics, providing crafted coverage solutions to protect our clients. Our team's industry experience and collaborative approach leads to great client solutions - and this is by design. We are here to assist with customizing products and services that are tailored to respond to each client's unique exposures. Responsibilities Berkley Entertainment is seeking an Entertainment Underwriter to join its team in Irving, Texas. The Entertainment Underwriter has responsibility for new and renewal business for his/her own book of business. The position will be responsible for driving profitable growth with specific Entertainment brokers in multiple regions of the country. Lines of business include entertainment packages, property, inland marine, general liability, automobile, umbrella, and workers' compensation. We are looking for a candidate who is highly motivated, results oriented with solid business and underwriting acumen. Underwriting duties will include developing and negotiating price, coverage, terms and conditions for all new business and renewals. Essential skills include collaborating/innovating with underwriters, operations, claims, loss control, marketing, regulatory and senior management. Must implement and manage effective pricing and rate strategies that will produce profitability, book growth, and successful producer relations Develop and maintain strong relationships with key producers, clients and relevant stakeholders. Qualifications Bachelor's degree or equivalent experience Minimum of 2 years of underwriting experience, preferably in entertainment multi-line packages including Flim and Television. Strong sales and marketing capabilities with a track record of closing deals. Demonstrate success in marketing, producer management, new business development, and the ability to successfully negotiate on all levels with both internal and external partners. Solid background in risk analysis and experience with complex accounts. Possess a high degree of proficiency with the underwriting process and partner effectively with an Underwriting Assistant. Strong communication skills with the ability to effectively interact with all levels of customers and coworkers. Knowledge and proficiency with technical issues, compliance, coverage, products and pricing strategies expected. Adaptability and creativity in a dynamic business environment. Additional Company Details The Company is an equal employment opportunity employer. We do not accept any unsolicited resumes from external recruiting agencies or firms. The company offers a competitive compensation plan and robust benefits package for full time regular employees. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment.

- The Underwriter will analyze Excess Casualty submissions from broker partners to determine eligibility of risk within Core Specialty Excess Casualty appetite and subsequently to determine appropriate limits, attachment point, pricing & terms that will provide Core Specialty with adequate underwriting profit on each risk. Execution of (LOB) business plans and objectives. Key Accountabilities/Deliverables: Enhance Core Specialty's reputation in the market Provide prompt and accurate customer service on policy transactions Ensure all risks considered and bound are within delegated authority, underwriting standards, risk selection, peer review and pricing methodologies Provide documented evidence of underwriting activities and decisions in files as required Support Company and Department goals and objectives In addition to the above key responsibilities, you may be required to undertake other duties from time to time as the Company may reasonably require. Carry out duties within our internal policies and procedures in accordance with applicable law, rules, regulation, good governance, and Core Specialty's shared values, including putting clients at the heart of our business. Technical Knowledge and Understanding: Knowledge of Excess Casualty underwriting industry & current market environment Knowledge of Excess Casualty underwriting practices, coverage & pricing/rating methodologies Knowledge of producer & competitor marketplace Knowledge of targeted industries Knowledge of insurance company operations Familiarity with company systems, procedures & processes Solid understanding of policy wordings and clauses Understanding of all pricing/underwriting tools available Experience: Bachelor's degree (preferably with a Risk Management & Insurance Major) Achieved or working towards an industry designation such as CPCU, CRM, ARM, CIC Ability to travel monthly within the region to meet assigned brokers in the region 3+ years in the Casualty Underwriting or Broking field Experience working with support services, including IT, claims, actuarial and operations Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa for this position. #LI-Hybrid #LI-Remote - At Core Specialty, you will receive a competitive salary and opportunities for professional development and advancement. We offer medical, dental, vision, and life insurances; short and long-term disability; a Company-match of 100% of a 6% contribution 401(k) plan; an Employee Assistance Plan; Health Savings Account, Flexible Spending Account, Health Reimbursement Account, and a wellness program

Senior Mortgage Loan Underwriter The Senior Mortgage Underwriter is responsible for reviewing all loan origination packages for accuracy and completeness, according to the guidelines established by the Bank, Fannie Mae, FHA, Correspondent Investors, and Federal/State Regulations. The Underwriter has an approved credit authority and makes recommendations on loans exceeding their authority. They advise origination staff on underwriting questions and loan salability, and work with them to achieve closing deadlines. Job Duties & Responsibilities: Underwrite residential mortgage loans in compliance with program guidelines established by American Momentum Bank, Fannie Mae, FHA, and Correspondent Investors. Research specific loan characteristics/requirements and advise staff on qualifying credit criteria. Review and verify loan applications and supporting documentation, in compliance with program guidelines established by American Momentum Bank, Fannie Mae, FHA, and Correspondent Investors. Analyze loan risk and request additional information as necessary. Research specific loan characteristics/requirements and advise staff on qualifying credit criteria. Make loan eligibility decisions, approving or rejecting applications. Review and clear loan conditions, in preparation for loan closing. Ensure compliance with regulatory standards, bank policy and program guidelines. Document and effectively communicate reasons for the approval/rejection of loans. Serve as resource to origination staff on eligibility questions and loan structuring. Key Qualifications: Mortgage Loan Underwriting experience - 7+ years. Mortgage Loan Processing, Closing, or Origination experience preferred - 3+ years. Extensive knowledge of Fannie Mae Guidelines and AUS. FHA Direct Endorsement Certified Strong background in regulatory compliance. High School Diploma or equivalent. Bachelor's Degree in Business, Business Administration, Finance, or related field preferred. High mathematical aptitude Proficiency with Microsoft Office products, loan origination software and Desktop Underwriter AUS. Excellent verbal and written communication skills, analytical and problem solving skills.

Job Title: Underwriter - III What you'll do: As a Mortgage Underwriter III you'll responsible for underwriting Government and Conventional loans by reviewing the credit, capacity and collateral characteristics of loan files to ensure it meets company and investor quality standards. You'll be responsible for reviewing and clearing underwriting conditions on Conventional and Government loans in compliance with current guidelines and overlays. * Manage individual pipeline on a daily basis by completing Underwriting Reviews, appraisal reviews and conditions reviews within defined turn times as applicable. * Identify any document deficiencies, add applicable conditions, and request additional information and/or documentation from customers as needed. Contact customers to provide updates and clarification on outstanding conditions and deficiencies identified on loans per established process. * Assist others in the department in interpreting underwriting guidelines and updating underwriting status and conditions to customers. Perform independent research of guidelines and overlays while reviewing loans. * Other duties as assigned. What you'll need: * 7+ years of related experience in Mortgage Industry, Residential Mortgage Loan underwriting or similar field. * High school diploma required. * Advanced knowledge of residential mortgage industry in Correspondent or Retail Lending;, including sales, operations, capital markets and/or other residential mortgage products and services. * Advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices. * Advanced knowledge of FNMA, FHLMC, FHA, VA and USDA Guidelines. * Intermediate knowledge of MS Office products. * Intermediate knowledge of Encompass. * Advanced speaking and writing communication skills. Benefits you'll love: We offer all the important things you'd want - like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career! About the company: AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank is a wholly owned subsidiary of Western Alliance Bancorporation. Alliance Bank of Arizona, Alliance Association Bank, Bank of Nevada, Bridge Bank, First Independent Bank, and Torrey Pines Bank are divisions of Western Alliance Bank; Member FDIC. Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email ************************** or call ************. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process. Western Alliance Bancorporation

Job Description ABOUT PARK PLACE FINANCE Park Place Finance is a fast-growing, nationwide private lender specializing in non-owner-occupied residential fix-and-flips, ground-up construction, and DSCR loans. But what truly sets us apart is how we do it.. You'll find a team that rallies together, celebrates wins, and keeps raising the bar. With a focus on health, wealth, and professional development, we're not just funding deals - we're building careers & long-lasting relationships. POSITION OVERVIEW We are looking for a detail-oriented, analytical Construction Underwriter II to join our operations team. This individual will play a key role in the evolution of our Multi-Family and Mixed-Use construction department. The candidate for this role should have a minimum of 3 years experience in the direct underwriting and credit analysis for construction lending. A Bachelor's degree in Finance, Urban Development, Construction Management, Civil Engineering, or Risk Management is a plus. Evaluation of pro formas, construction budgets, and stabilization NOI (Net Operating Income) projections. Analysis of multi-layered risk based on audited financials, net worth, liquidity, portfolio performance, project feasibility cash-flow and debt coverage will be required. Our full suite of Business Purpose Loans also includes Residential Transitional Loans (RTL), DSCR (non-consumer), Bridge, Ground-Up Construction, and Portfolio products. Responsibilities will include analysis of multi-layered risk based on audited financials, net worth, liquidity, portfolio performance, project feasibility, cash-flow, and debt coverage. Assessment of collateral using both cost and income approaches along with complex entity structures, and construction team evaluation (license, bonding, insurance compliance, plans, permits, construction contract - GMP or fixed-price preferred). RESPONSIBILITIES Perform complete risk assessments (borrower, market, collateral, and construction). Prepare comprehensive credit memos summarizing all findings. Recommend loan structure to mitigate identified risks. Coordinate third-party reports (appraisal, environmental, cost review). Underwrite Bridge, Renovation, Ground-Up Construction, and DSCR loans in accordance with company guidelines and investor overlays, as needed. Analyze construction budgets, scopes of work, and project timelines to ensure feasibility of projects. Maintain clear, actionable documentation supporting all underwriting decisions Apply judgment on exceptions and propose well-supported decisions for approval, counteroffer, or decline. Partner with originators, processors, and leadership to ensure smooth file flow and pipeline efficiency. Communicate proactively to resolve conditions, meet deadlines, and accelerate closing timelines Requirements KNOWLEDGE, SKILLS, & ABILITIES Required: 3+ years of underwriting experience in Multi-Unit and Multi-use residential construction. Familiarity with entity structures (LLCs, Corporations, Trusts). Strong analytical, critical thinking, and problem-solving abilities. High attention to detail and a risk-management mindset. Excellent written and verbal communication skills. Ability to work independently in a deadline-driven, high-volume environment. Preferred: Experience with Loan Origination Systems (e.g., LendingWise, Encompass, Salesforce, or custom LOS platforms). Experience working with brokers and investor guidelines. Benefits WHY JOIN PARK PLACE FINANCE? At Park Place Finance, we invest just as much in our people as we do in our borrowers. If you're ready to accelerate your career in a collaborative, fast-paced environment where performance and innovation are celebrated - this is where you belong. Competitive Compensation Package 100% Company-Paid Health Insurance (Medical, Dental & Vision) Retirement Plan with 4% Company Match Entrepreneurial Culture with a Focus on Growth & Excellence Opportunities to Expand Skillset Across Multiple Loan Products

About Rippling Rippling gives businesses one place to run HR, IT, and Finance. It brings together all of the workforce systems that are normally scattered across a company, like payroll, expenses, benefits, and computers. For the first time ever, you can manage and automate every part of the employee lifecycle in a single system. Take onboarding, for example. With Rippling, you can hire a new employee anywhere in the world and set up their payroll, corporate card, computer, benefits, and even third-party apps like Slack and Microsoft 365-all within 90 seconds. Based in San Francisco, CA, Rippling has raised $1.4B+ from the world's top investors-including Kleiner Perkins, Founders Fund, Sequoia, Greenoaks, and Bedrock-and was named one of America's best startup employers by Forbes. We prioritize candidate safety. Please be aware that all official communication will only be sent from @Rippling.com addresses. About the role The Risk team is looking for an Associate to conduct customer level credit risk assessments and support risk mitigation initiatives across numerous Rippling products, including but not limited to the Spend Management corporate card portfolio. The Associate will play a crucial role in supporting and carrying out risk control functions according to internal policies as Rippling continues to expand its offerings to new customer segments. What you will do * Learn, understand, and implement Rippling's risk policies and procedures across all relevant products. * Perform customer-level credit reviews using both external and proprietary data sources. * Oversee customer escalations and respond to questions/requests from the Sales + Support functions. * Investigate and take action on high-risk customer credit situations, as needed. * Formulate and present credit recommendations to senior team members and credit committee. * Monitor portfolio-level performance against internal targets and required thresholds. * Work effectively with cross-functional partners to resolve credit issues. * Help drive projects related to improving efficiency and scalability of risk control practices. What you will need * Strong financial analytics background: degree in Finance, Economics, or related field, progress towards CFA charter, or relevant on-the-job experience. * Minimum 4 years of credit risk experience, ideally related to SMB/MM commercial lending; working knowledge of financial and bank statements. * Experience working cross-functionally with Sales and/or Support teams. * Highly organized with the ability to deliver on multiple priorities simultaneously. * Ability to operate independently in a fast-paced environment and meet aggressive deadlines. * SQL acumen is highly-valued but not required. Additional Information Rippling is an equal opportunity employer. We are committed to building a diverse and inclusive workforce and do not discriminate based on race, religion, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, veteran or military status, or any other legally protected characteristics, Rippling is committed to providing reasonable accommodations for candidates with disabilities who need assistance during the hiring process. To request a reasonable accommodation, please email accommodations@rippling.com Rippling highly values having employees working in-office to foster a collaborative work environment and company culture. For office-based employees (employees who live within a defined radius of a Rippling office), Rippling considers working in the office, at least three days a week under current policy, to be an essential function of the employee's role. This role will receive a competitive salary + benefits + equity. The salary for US-based employees will be aligned with one of the ranges below based on location; see which tier applies to your location here. A variety of factors are considered when determining someone's compensation-including a candidate's professional background, experience, and location. Final offer amounts may vary from the amounts listed below.

Requirements QUALIFICATIONS: 5+ years of Residential Mortgage Underwriting. Conventional Agency experience required. Non-Conforming, Jumbo, FHA, VA, Bond Program experience preferred. Experience with customer service, decision making, and analyzing information. Excellent organizational, written and telephone communication skills. Deep understanding of pipeline management and system supported workflows is required. Must have a strong understanding of multiple investor guidelines and regulatory compliance Equal Opportunity Statement: Texana Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, age, disability, veteran status, or any other protected status under applicable law. Texana Bank Mortgage 1680 Keller Pkwy Keller, TX 76248

Who are we? The Sanlam Retail Affluent business (SRA) is dedicated to empower South Africans in the middle- and upper-income segments to be financially confident, secure and prosperous. With deep client understanding and a focus on excellence in technology, client and intermediary experiences, SRA delivers financial solutions including comprehensive financial planning, life- and disability insurance, credit solutions, savings and investments, retirement and fiduciary services that can be accessed through various platforms. Sanlam Risk & Savings, which is one of the businesses within SRA, offers Risk and Savings solutions to various segments within the market. What will you do? The role of the underwriter is to assess the risk of our clients based on their individual risk profile (this includes consideration of insurable interest, occupation, medical, financial, part-time activities & travel/territorial risk). Core outputs: 1. Underwrite risk applications with respect to the client overall risk profile - taking into account previous &/or existing cover. 2. Underwrite & effectively manage communication on sub-standard cases. 3. Request underwriting requirements and/or limit requirements. 4. Placement of cases according to reassurance treaty and related guidelines. 5. Enhance & manage the customer experience through effective, clear & proactive communication &/or collaboration (both written & telephonic) 6. Stay up-to-date with industry trends, regulatory changes, and advancements in AI and analytics. 7. Continuously build expertise on underwriting process & technical skills/knowledge. What will make you successful in this role? Qualification: * Grade 12. * Relevant qualification will be an advantage. Experience: * At least 3 years medical and/or financial underwriting experience. * Experience in underwriting processes will be an advantage. * Exposure to underwriting software/programs will be an advantage. * Exposure to the application of underwriting and re-insurance policy will be an advantage. * Exposure to financial underwriting and/or business insurance will be an advantage. Knowledge: * Knowledge of prognosis of medical conditions. * Understand medical terminology (anatomy and physiology). * In-depth knowledge and understanding of financial statements and questionnaires. Competencies: * Communicates effectively * Persuades * Business insight * Decision quality * Analytical thinking * Cultivates innovation * Plans and aligns * Concern for accuracy * Customer focus * Collaborates * Drives engagement * Team success * Being resilient * Tech savvy Note: The environment necessitates overtime in peak periods. The amount of overtime hours depends on the business need in terms of the volumes received. The position is based in either Western Cape or Gauteng. Build a successful career with us We're all about building strong, lasting relationships with our employees. We know that you have hopes for your future - your career, your personal development and of achieving great things. We pride ourselves in helping our employees to realise their worth. Through its five business clusters - Sanlam Fintech, Sanlam Life and Savings, Sanlam Investment Group, Sanlam Allianz, Santam, as well as MiWay and the Group Office - the group provides many opportunities for growth and development. Turnaround time The shortlisting process will only start once the application due date has been reached. The time taken to complete this process will depend on how far you progress and the availability of managers. Our commitment to transformation The Sanlam Group is committed to achieving transformation and embraces diversity. This commitment is what drives us to achieve a diverse, inclusive and equitable workplace as we believe that these are key components to ensuring a thriving and sustainable business in South Africa. The Group's Employment Equity plan and targets will be considered as part of the selection process.

The SBA Underwriter at PlainsCapital Bank is responsible for underwriting SBA 7a and 504 originations, modifications and servicing actions. The SBA Underwriter also performs portfolio monitoring activities needed and is responsible for administering the Bank's small business lending platform, working closely with the SBA Credit Officer and SBA Director. Bachelor's degree in business related field required. Strong preference for Finance or Accounting major or concentration. 5 or more years' experience underwriting SBA 7a and 504 loans with proven ability to comprehend, analyze, and interpret information regarding financial statements, tax returns, and other information for the more complicated commercial loan transactions Completion of a formal Credit Training program at a large bank is a plus Deep understanding of Small Business Administration's Standard Operating Procedures and the ability to stay up to date of current and changing regulations related to the banking industry, SBA 7a, and 504 loan programs. Excellent verbal, written and interpersonal communication skills with the ability to interact with all levels of customers, clients, vendors, and internal partners. Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems. Excellent analytical, time management, organizational and problem-solving skills with the ability to manage multiple projects and work in a deadline-driven, dynamic environment. Must be self-motivated with strong initiative, accountability, and attention to detail with the ability to work both independently and as a member of a team. The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required and may be changed at the discretion of the Company. Underwrite SBA 7a and 504 loan requests to ensure they adhere to the Bank's and SBA's credit policies and procedures. Prepare cash flow, spreads, sensitivity testing, financial and industry analysis as appropriate to verify business's ability to service debt. Evaluate the creditworthiness of prospective Borrower(s) and Guarantor(s). Analyze proposed collateral for sufficiency and compliance with Bank's and SBA's lending standards. Analyze third-party reports and other due diligence documentation to ensure support of credit recommendations. Determines whether the proposed loan, as structured, conforms to the Bank's and SBA's current lending parameters and eligibility requirements Communicate with Lenders concerning applicant's creditworthiness and/or additional needs items to finalize analysis. Prepare a detailed loan write-up including cash flow analysis, business and guarantor analysis, collateral analysis, and detail all conditions that underwriting is imposing on the closing or funding of the loan. Responsible for reviewing and/or drafting term letters; ensuring that the terms and conditions of the loan approval are accurately reflected Review SBA loan documents for accuracy and conformance with SBA authorization and loan approval Provide support to SBA Loan Closers and Loan Servicing to ensure loan all pre and post-closing conditions are met and the loan is closed and boarded smoothly and accurately Underwrite and recommend approval/denial of loan modifications and servicing requests Promote and provide excellent customer service by effectively communicating and cooperating with all internal and external customers Provide support in the acquisition of new clientele and the maintenance of existing relationships; promote close working relationships with clients Maintain a thorough understanding of the Bank's lending objectives, credit policies and procedures, underwriting guidelines, and various lending products. Understands and complies with requirements of all laws and regulations applicable to the position. Complete tasks created by workflow items from Small Business Lending Platform Administration of Small Business Lending platform (work with vendor on any platform/application issues, review/respond to workflow errors, work/delegate workflow items that need to be addressed outside of the system) Other duties as required.

It's about interactions more than transactions. Have others complimented you on your attention to detail and exceptional organizational skills? Are you known for your ability to adapt in everchanging fast paced environments? Are you ready to facilitate all the moving pieces to help deliver a top-quality experience? If so, being a Central Credit Underwriter II with Frost could be for you. At Frost, it's about more than a job. It's about having a flourishing career where you can thrive, both in and out of work. At Frost, we're committed to fostering an environment that reflects our values and encourages team members to be the best they can be. In joining our adaptable, integrity-driven team, you'll become part of Frost's over 150-year legacy of providing unparalleled financial services. Who you are: As a Central Credit Underwriter II your opinion matters. You will be responsible for approving or declining consumer credit requests with underwriting authority of $100,000 to $1,000,000 or commercial credit requests with underwriting authority of $250,000 to $1,000,000. More than that, this role is about building relationships and providing top-quality service and doing so with integrity, caring, and excellence in mind. What you'll do: Approve/decline or make recommendation for alternative financing within established loan authority Mentor, train and coach bankers Assist in training and mentoring Underwriter I's Act as the department liaison Always take action using Integrity, Caring, and Excellence to achieve all-win outcomes What you'll need: Bachelor's degree preferably in Business, Finance, Accounting, or Economics or equivalent experience 2+ years of experience in lending, preferably within underwriting Proven record of success in an underwriting environment Ability to understand cash flow, financial statements and leverage ratios Ability to analyze financial statements and evaluate cash flow, capital and collateral adequacy Excellent written and verbal communication skills Proficient in Microsoft computer applications Our Benefits: At Frost, we care about your health, your family, and your future and strive to have our benefits reflect that. This includes: Medical, dental, vision, long-term disability, and life insurance 401(k) matching Generous holiday and paid time off schedule Tuition reimbursement Extensive health and wellness programs, including our Employee Assistance Program Referral bonus program + more! Since 1868, Frost has dedicated their expertise to provide exceptional banking, investment, and insurance services to businesses and individuals throughout Texas. Frost is one of the 50 largest U.S. banks by asset size and is a leader in banking customer satisfaction. At Frost, it's about being part of something bigger. If this sounds like you, we encourage you to apply and see what's possible at Frost.

About the Role: As a Underwriter specializing in Tech E&O risks, you will be responsible for evaluating, pricing, and managing a diverse book of business across multiple sectors. You'll play a key role in driving strategic growth, ensuring underwriting discipline, and maintaining profitability. This position is ideal for a results-driven individual with a deep understanding of cyber exposures and a passion for building broker partnerships. Key Responsibilities: Assess and underwrite primary and excess cyber liability and technology E&O submissions. Analyze risk profiles across industries to determine coverage terms, pricing, and conditions in alignment with underwriting guidelines. Collaborate with leadership to monitor portfolio performance and contribute to strategic planning. Develop and maintain strong relationships with wholesale brokers to generate new business opportunities. Participate in client meetings, industry conferences, and networking events to enhance market presence. Prepare and deliver competitive proposals while ensuring compliance with internal standards. Stay informed on emerging cyber threats, regulatory changes, and claims trends to support sound underwriting decisions. Qualifications: Bachelor's degree in Business, Finance, Risk Management, or a related discipline. Proven experience in underwriting technology E&O and cyber liability insurance. Background in specialty or wholesale insurance markets is essential. Demonstrated success in achieving underwriting profitability. Strong analytical skills and ability to interpret complex data sets. Willingness to travel for business development and industry engagement.

Garrington Group of Companies is a full-service working capital and trade finance company. We place a great importance on our core values of empathy, integrity, respect, reliability, and excellence. We are committed to demonstrate these values in our culture, in every interaction and with every person involved within our company. Please visit ***************************** for more information. Position Summary We are currently looking for a Senior Underwriter to join our Factoring Underwriting team. The ideal candidate will have 5 years of direct underwriting experience, be a strong communicator, and have an uncanny attention to detail. The candidate will also have a service oriented mindset, a positive attitude, and willingness to learn. Key Duties & Responsibilities Assist in managing the Underwriting and Factoring deal pipelines. Engage directly with Franchisees and prospects to ascertain deals are in compliance with company criteria Fully underwrite factoring transactions Review and submit Deal Review Summaries with recommendations to the credit committee Engage with Franchisees directly in order to obtain key data and ensure sufficiency and completion of underwriting documentation Engage directly with potential clients to learn their business, their needs and structure appropriate facilities, as well as preparing proposals Liaise with credit reporting agencies and other credit and compliance vendors to obtain timely and accurate reports Assist in managing a team of Underwriters and Credit Analysts Required Knowledge, Skills & Abilities Excellent communication skills over the phone, in-person, and through email Working knowledge of Microsoft Office suite and email applications (Gmail) Strong analytical, critical-thinking, and problem-solving skills Excellent understanding of financial statements and general accounting principles Excellent attention to detail and high accuracy Ability to work independently and as part of a team Education & Experience Completion of a Bachelor's Degree at an accredited university, or equivalent combination of education and work experience 5 years of direct underwriting experience and/or field audit or field examiner experience, ideally in a series of progressive positions with a lending institution (including factoring and asset based lenders) Supervisory Responsibilities This position assists the Director of Underwriting in managing a team of Underwriters and Credit Analysts. We thank all applicants for showing their interest. However, only candidates under consideration will be contacted. Please note: All employment is conditional upon completing and obtaining a satisfactory background check and employment references. Must be able to legally work in the US. Employment Equity We are proud to be an equal opportunity employer striving to foster an inclusive and accessible environment. We are committed to creating an atmosphere without discrimination. We encourage applications from those who will enhance the diversity of our community. We are committed to providing accommodations for people with disabilities. Should you require an accommodation during the interview process, please make your needs known in advance and we will work with you to meet your accessibility needs.

The primary purpose of this position is to help facilitate loan growth while preserving credit quality in the corporate C&I (commercial/industrial) loan portfolio. The function involves complex data acquisition and analysis resulting in senior level management reports and loan presentations. This role participates with lending officers on customer calls, attends bank group meetings and assists in other projects as assigned. Provides technical and financial analysis support for industry monitoring, new business underwriting, portfolio maintenance and administration. Utilize skilled judgement on business entities and individuals to summarize their financial condition, performance, cash flow, trends, projections and risks. Analyze proposed collateral positions on a variety of assets including, but not limited to, working capital lines of credit and owner occupied real estate. Complete Credit Memorandums for loan approvals incorporating quantitative and qualitative financial analysis along with identifying key strengths and credit risks of a proposed credit. Develop an understanding of MidFirst Bank credit policy to recognize and mitigate risks on new and existing transactions. Assist Loan Officers in completing reports used by senior management in the loan monitoring and decision making process. Gather, examine and present information in a concise and meaningful manner and offer thoughts concerning credit-worthiness and loan structure. Use effective communication skills to work collaboratively with both loan officers and credit managers. Act as a mentor for junior analysts. Position Requirements: Bachelor's degree in a business related field. Three to five years' experience in commercial bank underwriting or lending. Thorough knowledge of commercial/industrial loan underwriting. Working knowledge of investor real estate underwriting. Thorough knowledge of Microsoft Office and Moody's (or comparable) spreading software. High level of initiative and accountability. Results-driven, team-oriented and client-focused approach. Excellent written, verbal and interpersonal communication skills.

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

About Us SolomonEdwardsGroup, LLC ("SolomonEdwards") is a full-service professional services firm offering financial, operational, and technology consulting and operations support. We work with some of the world's most prominent companies to help them envision and achieve a better future. We know that our consulting services are only as meaningful as the people and talent behind them, and we are committed to recruiting incredibly talented, committed, collaborative individuals who can help us deliver exceptional client service. For more information, visit SolomonEdwards Position Summary: SolomonEdwards is looking for a Mortgage Fulfillment Underwriter for one of its mortgage clients to ensure the assets reviewed meet all applicable investor guidelines, through a complete knowledge of requirements and regulations. You will be held accountable for the quality and accuracy of decisions. Position Locations: Phoenix, AZ Tampa, FL St. Louis, MO Plano, TX Moorpark, CA Pasadena, CA Essential Duties: - Decisions full range of mortgage loans, preferably including FHA loans. - Review all mortgage applications and documentation for accuracy and completeness. - Work with clients to prepare mortgage applications and related documentation as needed, and help resolve any outstanding issues. - Work with compliance officers to ensure Federal, State, and local compliance with all mortgage and loan materials. - Approve or deny mortgages on a timely basis. - Perform other related duties as required and assigned. - Demonstrate behaviors that are aligned with the organization's desired culture and values. Qualifications: - Bachelor's degree or equivalent work experience. - 3+ years of mortgage underwriting experience required. - Knowledge of mortgage laws and regulations required, including the Home Mortgage Disclosure Act. - Knowledge of state and federal agency mortgage loan guidelines and regulations is helpful. Skills and Job-Specific Competencies: - Solid knowledge of mortgage underwriting and basic automated underwriting systems. - Proficiency with basic automated underwriting systems. Travel Requirements: No travel will be required, unless at the client's discretion. Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be provided to qualified applicants or candidates with disabilities upon request to enable them to perform essential functions. This role may require mobility to attend in-person meetings, sitting or standing for extended periods, and the use of telephone, computer, or other electronic communication devices. Salary Range: SolomonEdwards values your unique and individual experience and background. As such, we take a comprehensive approach when determining compensation for our roles. The compensation for this specific role is based on a wide range of factors, including but not limited to, education, licensure and certifications, location, experience, and training. A reasonable estimate for the current hourly range for this role is $26 - 36. Benefits: We are committed to providing health and financial stability by offering a comprehensive suite of benefits. Benefits include access to top-tier employers and job opportunities, health insurance, sick leave, and 401(k). Inclusion and Diversity Statement: SolomonEdwards is an Equal Opportunity/Affirmative Action employer. We firmly believe in fostering an inclusive and diverse workplace environment. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, veteran status, or any other characteristic protected by applicable laws. All employees, including managers and supervisors, are responsible for upholding our EEO and diversity principles. Discrimination or harassment of any kind will not be tolerated. We value the contribution and wisdom of the team. At SolomonEdwards, we have built a vibrant and inclusive community. Our team members are curious, committed, and diverse. In keeping with our mission to build value through people, we cultivate a culture where differences are celebrated, and all members are treated fairly and equitably. Employees, business partners, and our extended stakeholder family are empowered to share their experiences, ideas, and perspectives; and to be their whole selves. Privacy: We adhere to the California Consumer Privacy Act (CCPA). Your privacy is important to us, and we never sell your data to third parties. Personal information is only collected to match applicants with job opportunities. Copy/paste this URL to learn more about your rights: SolomonEdwards' Privacy Policy. Our Recruiter Promise: Our talent acquisition team prioritizes integrity, professionalism, and transparency in every interaction. When you engage with SolomonEdwards, you can trust a respectful, secure experience from verified contacts. Copy/paste this URL to learn more about how we protect your candidate experience: Recruiter Promise. Job Ref: 141866 ### Place of Work On-site ### Requisition ID 141866 ### Application Email ****************************

Company Details Berkley Aspire is passionate about making excess and surplus lines business easy to transact. We differentiate ourselves by continually innovating to bring market-leading technology and services to our agents and their clients. From direct bill with installments, to not requiring renewal applications for 80% of our small business policies, we focus on making it easy, expeditious, and efficient for agents and consumers. Berkley Aspire writes from small, minimum premium, policies to accounts over six figures. We offer General Liability, Property, Inland Marine and Excess policies through Berkley appointed agencies in 49 states. Benefit Highlights • Aspire offers Medical, Dental and Vision coverage. Our onsite Scottsdale, AZ Wellness Center and companywide Employee Assistance Program are free to employees and are here to support your overall well-being. Our flexible work schedule with a work-from-home day means you can balance work and life like a pro. • Our Health Savings Accounts have automatic company contributions if you sign up, and we offer Flexible Spending Accounts, STD, LTD, life insurance policies, and more. Plus, we offer a 401(k) program, profit-sharing program, and stock purchase plan - investing in your future has never been so rewarding. • We've got you covered with competitive paid time off, paid sick time, and 12 weeks of paid parental leave. Plus, you get paid holidays, a floating holiday, and paid volunteer time - because giving back to the community is important to us at Aspire! • Come grow with us! Level up with company sponsored conferences, tuition assistance, and industry-related education and exams. We have many internal promotional growth opportunities - because we believe in growing together. • We believe in working hard and playing hard. We embrace team building and are enthusiastic about sponsoring fun activities inside and outside of the office. Our Plum Benefits program gives you cost-free access to thousands of exclusive travel and entertainment discounts - it's like a VIP pass to fun. ********************* Responsibilities The Central Region E&S Regional Underwriter supports new business production within an assigned regional underwriting territory. Ideally this role will be located in Dallas, TX though could also be performed from AR, LA, MO, NM, KS, NE, OK or other surrounding states. The Regional Underwriter plays a key role in driving profitable growth by underwriting new business, identifying new opportunities, and managing agency relationships. The Regional Underwriter plays a key role in driving profitable growth by underwriting new business submissions alongside the Business Development Underwriter and Small Business Underwriter. Responsibilities: Agency Engagement: Maintain strong agency relationships through regular outreach, education, and strategic collaboration. Underwriting Excellence: Evaluate and underwrite new business within authority, maintaining a 30%+ quote-to-bind ratio and 50% or better loss ratio. Performance Goals: Meet or exceed targets for new business production. Service Standards:Deliver timely, accurate quotes ensuring expeditious response times and consistent service excellence. Risk Management: Use underwriting tools to assess risk, pricing, and coverage; review inspections and endorsements to ensure premium adequacy. Tools & Skills: Experience: 10+ years in E&S underwriting; strong background in commercial P&C insurance and customer service. Agency Relations: Skilled in working with independent agents and managing agency partnerships. Technical Proficiency: Comfortable with Windows-based tools (Word, Excel, Outlook) and online underwriting platforms. Communication: Strong written and verbal communication skills with a customer-first mindset. Mindset: Entrepreneurial, adaptable, and collaborative with the ability to work independently or as part of a team. Travel: Occasional travel may be required. May perform other functions as assigned. Qualifications Bachelor's degree preferred. 10 plus years related insurance experience, or equivalent combination of education and experience. Minimum ten years of experience in E&S underwriting. Must have a strong customer service background in a professional environment. Entrepreneurial qualities, such as trying innovative solutions, resiliency to change and recognizing what is most important to get done. Fosters teamwork. Provides welcoming, open, honest, respectful, and constructive feedback. Ability to work independently and in a team environment. Ability to communicate effectively. Demonstrate strong written and verbal communication skills. Berkley Core Competencies Accountability Communication Customer Focus and Teamwork Flexibility Innovation and Initiative Additional Requirements • Travel may be required on occasion. • While performing the duties of this job, the employee is typically required to sit and talk or listen. The employee is infrequently required to stand; walk; reach with hands and arms and stoop, kneel, crouch, or crawl. • The employee must occasionally lift and/or move up to 10 pounds. • Specific vision abilities required by this job typically include close vision, occasional use of depth perception, infrequent need for distance vision, color vision, and ability to adjust focus. • The noise level in the work environment is usually moderate. • Most functions of this position are completed while sitting at one's desk and working on a computer. Sponsorship Details Sponsorship not Offered for this Role

Mortgage Loan Underwriter The Mortgage Underwriter is responsible for reviewing all loan origination packages for accuracy and completeness, according to the guidelines established by the Bank, Fannie Mae, Correspondent Investors, and Federal/State Regulations. The Mortgage Underwriter has an approved credit authority and makes recommendations on loans exceeding their authority. They advise origination staff on underwriting questions and loan stability and work with them to achieve closing deadlines. Job Duties & Responsibilities: Underwrite residential mortgage loans in compliance with program guidelines established by American Momentum Bank, Fannie Mae and Correspondent Investors. Research specific loan characteristics/requirements and advise staff on qualifying credit criteria. Compliance Review - Review mortgage loan files for compliance with Regulations (such as Reg. Z-TILA, Reg. X-RESPA, and Reg. C-HMDA). Review periodic changes to Agency/Investor guidelines, and assist in relaying information on changes to the production and operations staff. Knowledgeable in financial institution operating policies and procedures and banking regulations, state and federal. Key Qualifications: Mortgage Loan Underwriting experience - 2+ years. Mortgage Loan Processing, Closing, or Origination experience preferred - 2+ years. Extensive knowledge of Fannie Mae Guidelines and AUS. Strong background in regulatory compliance and real estate documentation. High School Diploma or equivalent. Bachelor's Degree in Business, Business Administration, Finance, or related field preferred. Excellent verbal and written communication skills, analytical and problem solving skills.

Park Place Finance is a fast-growing, nationwide private lender specializing in non-owner-occupied residential fix-and-flips, ground-up construction, and DSCR loans. But what truly sets us apart is how we do it.. You'll find a team that rallies together, celebrates wins, and keeps raising the bar. With a focus on health, wealth, and professional development, we're not just funding deals - we're building careers & long-lasting relationships. POSITION OVERVIEW We are looking for a detail-oriented, analytical Construction Underwriter II to join our operations team. This individual will play a key role in the evolution of our Multi-Family and Mixed-Use construction department. The candidate for this role should have a minimum of 3 years experience in the direct underwriting and credit analysis for construction lending. A Bachelor's degree in Finance, Urban Development, Construction Management, Civil Engineering, or Risk Management is a plus. Evaluation of pro formas, construction budgets, and stabilization NOI (Net Operating Income) projections. Analysis of multi-layered risk based on audited financials, net worth, liquidity, portfolio performance, project feasibility cash-flow and debt coverage will be required. Our full suite of Business Purpose Loans also includes Residential Transitional Loans (RTL), DSCR (non-consumer), Bridge, Ground-Up Construction, and Portfolio products. Responsibilities will include analysis of multi-layered risk based on audited financials, net worth, liquidity, portfolio performance, project feasibility, cash-flow, and debt coverage. Assessment of collateral using both cost and income approaches along with complex entity structures, and construction team evaluation (license, bonding, insurance compliance, plans, permits, construction contract - GMP or fixed-price preferred). RESPONSIBILITIES Perform complete risk assessments (borrower, market, collateral, and construction). Prepare comprehensive credit memos summarizing all findings. Recommend loan structure to mitigate identified risks. Coordinate third-party reports (appraisal, environmental, cost review). Underwrite Bridge, Renovation, Ground-Up Construction, and DSCR loans in accordance with company guidelines and investor overlays, as needed. Analyze construction budgets, scopes of work, and project timelines to ensure feasibility of projects. Maintain clear, actionable documentation supporting all underwriting decisions Apply judgment on exceptions and propose well-supported decisions for approval, counteroffer, or decline. Partner with originators, processors, and leadership to ensure smooth file flow and pipeline efficiency. Communicate proactively to resolve conditions, meet deadlines, and accelerate closing timelines Requirements KNOWLEDGE, SKILLS, & ABILITIES Required: 3+ years of underwriting experience in Multi-Unit and Multi-use residential construction. Familiarity with entity structures (LLCs, Corporations, Trusts). Strong analytical, critical thinking, and problem-solving abilities. High attention to detail and a risk-management mindset. Excellent written and verbal communication skills. Ability to work independently in a deadline-driven, high-volume environment. Preferred: Experience with Loan Origination Systems (e.g., LendingWise, Encompass, Salesforce, or custom LOS platforms). Experience working with brokers and investor guidelines. Benefits WHY JOIN PARK PLACE FINANCE? At Park Place Finance, we invest just as much in our people as we do in our borrowers. If you're ready to accelerate your career in a collaborative, fast-paced environment where performance and innovation are celebrated - this is where you belong. Competitive Compensation Package 100% Company-Paid Health Insurance (Medical, Dental & Vision) Retirement Plan with 4% Company Match Entrepreneurial Culture with a Focus on Growth & Excellence Opportunities to Expand Skillset Across Multiple Loan Products