Underwriter jobs in West Valley City, UT - 26 jobs

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.

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

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.

Salt Lake City, UT Financial Services - Commercial Banking Exp 10 -15 yrs Degree Bach Relo Bonus Job Description Responsible for making credit worthy decisions on complex commercial transactions to determine acceptability of risk in accordance with the company guidelines and standards. Advanced expertise on commercial loans Position Accountabilities Evaluates all financial statements (business and personal tax returns, fiscal year-end and interim statements and personal financial statements) for credit worthiness. Identifies recurring and non-recurring income/expenses. Comprehend all schedules, notes, and K-1's. Differentiates between cash and accrual method as well as comprehend UCA cash flow analysis. Consolidates related entities and summarizes results. Identifies credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation. Determines or amends applicable loan agreement covenant and monitoring requirements. Collaborates with Relationship Managers on reasoning for a particular decision, answering potential loan request questions, identifiying/resolving potential problem loans. Prepares a comprehensive credit summary in conjunction with the Relationship Managers and Credit Manager to address all material aspect of the request. Supports management of the Relationship Manager portfolio by addressing convenant violations, completing annual review/renewals, and identifiying opportunities. Performs other duties as assigned. Qualifications Required Education or Equivalent Experience Bachelor's Degree Required Required Experience Years of functional/professional experience: At least 10 years Field of Experience Expert knowledge of information and data processing systems. Expert in evaluating business and credit reports Expert knowledge of our Policy and Procedures Expert understanding of various regulatory/compliance policy and procedure including but not limited to Fair Lending, OFAC, Flood, Regulation O, highly leveraged transactions, etc. Meet and/or exceed our Service Level Agreement commitment Proficiency in MS Office and other system applications Excellent written and verbal communication skills Excellent organizational skills Additional Information All your information will be kept confidential according to EEO guidelines. Direct Staffing Inc

Talked with Tim McGoff and he is needing an SBA underwriter that has a background doing healthcare underwriting. They would like someone that is familiar with SBA underwriting and also someone familiar with healthcare deals, such as assisted living centers. The position would report to a credit manager but work day-to-day with Jim Harris, the sales heathcare manager. The position can be a remote one that works anywhere in the US, but he would prefer someone in the western states. Compensation range would be $80-130K, depending on experience. Deal sizes could be $5-10 million for SBA loans and larger for conventional loans. Interview would be with Jim Harris initially.

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.

Focus: Put underwriting skills to use, hone the craft, build in depth knowledge of Originations Have in depth knowledge in: Everything learned in Junior Underwriter foundation Originations Policies and SOPs, How to utilize and find documentation Lending Compliance Laws and Regulations (ie., ECOA, FCRA, TILA Reg.Z, etc.) TransUnion and Experian credit bureaus information In depth knowledge of policies and SOPs (past memorization, knows a policy & the policies surrounding a policy) What is expected of you to do: Comply with lending laws/regulations (ie., ECOA, FCRA, TILA Reg.Z, etc.) Adhere to all company, department, and Origination's Lending policies Escalate Policy and SOP questions using Escalation Process to ensure alignment Continue alignment with Department Goals, KPIs, Policies and SOPs Underwrite and decision Credit Applications efficiently and accurately Work as many applications as possible per day to progress towards personal role advancement Make detailed decision notes (link to SOP) on every application and save them in Norman Expected to come prepared and participate actively in all meetings and/or forums Review submitted income on owned applications Take phone calls on owned applications Monitor personal Underwriting KPIs (Key Performance Indicators) Builds and delivers their personal weekly key performance indicators recaps for management What is expected of you to do only w/ supervision by Senior Underwriter or Management: Income reviews on owned applications w/ Senior or Management supervision/review Funding escalations on owned applications w/ Senior or Management supervision/review Decision escalations on owned applications w/ Senior or Management supervision/review Role Advancement Requirements: Pass all required Policy Exams “Passing” score is outlined in the Policy Exams Program (LINK) Pass most recent Training Compliance Audits for the last X applications reviewed “Passing” score & number of applications is outlined in the Training and Compliance Program (LINK) Passed most recent Training Decision Audits for the last X applications reviewed “Passing” score & number of applications is outlined in the Policy audits & decision audits Program (LINK) Passed most recent Lending Policy Audits for the last X applications reviewed “Passing” score & number of applications is outlined in the Policy audits & decision audits Program (LINK) Meet or exceed Key Performance Indicator metrics for Underwriter for X Months

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

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

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company's underwriter training program for the assigned line of insurance and requires the person to: Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment Analyze loss experience, financial conditions and physical characteristics of risks Acquire a working knowledge of supporting sections of the underwriting department Effectively communicate with independent agents and other associates through verbal and/or written means Participate in and successfully complete the Company underwriter training program Desired Skills & Experience Bachelor's degree or direct equivalent experience with property/casualty underwriting Ability to organize data, multi-task and make decisions independently Above average communication skills (written and verbal) Ability to write reports and compose correspondence Ability to resolve complex issues Continually develop product knowledge through participation in approved educational programs Benefits Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you! Equal Employment Opportunity Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law. *Please note that the ability to work in the U.S. without current or future sponsorship is a requirement. #LI-CH1 #LI-Hybrid #LI-DNI #IN-DNI

Mckenzie Capital (MckCap) is a fast-growing FinTech company headquartered in Miami, Florida. MckCap offers underserved small businesses with a wide variety of flexible financing and funding options to help entrepreneurs acquire the working capital they NEED to take their businesses to the next level. We are expanding to Utah and want to work with high-performing badasses that will play an integral part in our expansion of the company. We understand one thing: it all comes down to working with the right people and enabling them to do what they do best. This full-time position will work on credit decisioning and analysis for our Small Business Loans. As a Final Funding Specialist, you embody the company's brand both internally to your colleagues, and outwardly to the world alike. Why Join Us? At MckCap, we foster a dynamic and inclusive company culture that emphasizes collaboration, innovation, and personal growth. Our team is composed of passionate, driven individuals who are committed to making a difference. Here's what you can expect when you join our team: Innovative Environment: Work with cutting-edge technology and be part of a team that is constantly pushing the boundaries of fintech Professional Growth: We invest in our employees' growth with continuous learning opportunities, training programs, and career advancement paths Supportive Culture: Enjoy a supportive and inclusive work environment where your ideas are valued, and your contributions make a real impact Community Focus: Be part of a company that understands the importance of small and mid-sized businesses to their communities and the nation's financial health High-Performing Team: Join a team of badasses who are committed to excellence and are integral to our company's expansion and success As a Final Funding Specialist, you are responsible for: Analyzing applications for business owners who are seeking business capital. Conducting a thorough analysis of the business's basic information and revenue. Providing a summary of the credit card processing statements and other documentation that will vary depending on the industry. Properly assessing any risks associated with any given deal. Conducting background checks, pulling credit reports, and interpreting information as it relates to a business. Responsible for processing a minimum of 10 deals daily for an amount of $100k+. Keeping and maintaining a maximum rate of 5% of losses on deals analyzed and funded. Responsible for the beginning stages of collections on defaulting accounts Requirements 1-3 years of customer service experience / preferably in a business-related field. Ability to multitask Must have strong communication skills & the ability to work well in a team setting The candidate must be Bilingual (Fluent in English and Spanish) Needs to be efficient in Microsoft Office Bachelors level of education or above Clear and LexisNexis knowledge preferred Work a schedule from 10am-7pm Monday - Friday Benefits Health insurance: medical, dental, and vision programs Life insurance Paid Time Off Excellent career growth opportunity Cultural activities: include fun events, recognition programs, company meals, and much more We offer a competitive compensation package and a comprehensive benefits program. Our Culture is amazing! We have been recipients of many consecutive distinguishing awards for being the employer of choice, best places to work in South Florida, and others. MckCap is an Equal Opportunity Employer (EOE) and takes great pride in building a diverse work environment. Qualified applicants are considered for employment without regard to age, race, religion, gender, national origin, sexual orientation, disability, or veteran status.

Spieldenner Financial Group is a financial services company serving mid-market families that work hard to provide a life and lifestyle worth protecting from the everyday worries of life. We help them by putting a shield of protection between their families and the financial losses that occur when unexpected downturns in the economy, critical illness, disability, or death make an unwelcome entry into their lives. That's where we come in. Armed with a full suite of simple, easy to understand programs we are able to: Identify and meet their needs with a simple, proven process Help them to protect their families in comprehensive, budget conscious ways Give them clarity and peace of mind, and Build client for life relationships that are exceptionally valuable for them and very profitable for our top tier Enrollment Specialists We are currently hiring both Entry Level and Licensed Insurance Enrollment Specialists to help the families who have requested our assistance. We offer industry leading compensation, support and advancement opportunities to attract, retain, and develop quality people into highly trained specialists that are growing with our company for the long term. Do you qualify: Are you coachable? Are you a hard worker who is eager to learn how to be a high value pro? Are you willing to grow and challenge yourself personally and professionally to be able to add value and make a great income for your work? Are you self-disciplined, so you can get the most out of a flexible schedule? Are you ready? We put the future back in your hands by empowering you to get the most out of your career. You will learn how to give the most to it, while keeping your family life central. If you answered yes to all these questions and are ready to get trained, get paid, and most importantly GET FREE, apply now to schedule an interview with one of our Regional Sales Managers within 24-48 hours. ***No agent's success, earnings, or production results should be viewed as typical, average, or expected. Not all agents achieve the same or similar results, and no particular results are guaranteed. Your level of success will be determined by several factors, including the amount of work you put in, your ability to successfully follow and implement our training and sales system and engage with our lead system, and the insurance needs of the customers in the geographic areas in which you choose to work.

We are seeking a diligent and detail-oriented Underwriter to join our team. This role is critical in ensuring the completeness and quality of loan packages before they are submitted to our partner bank underwriters for final approval. The Underwriter will primarily focus on reviewing the automated decisioning output and meticulously compiling all necessary documentation. Responsibilities Reviewing Initial Automated Decisioning: Analyzing the output of Lendio's automated decisioning system to validate results and identify any potential discrepancies or areas for further scrutiny. Credit reports (Personal FICO and SBSS) Bank transactions (from aggregators and statement OCR) Business verification (Alloy, LexisNexis, and ITA OFAC) Supplementary Personal and Business Verification: Confirming borrower(s) identity Corporate organization Filing status Licensing (if required) Document Review and Quality Check: Verifying the completeness and quality of all submitted loan documents. Credit and Financial Analysis Review: Reviewing source data used in the decisioning structuring processes, which includes: Evaluating specific use of loan proceeds and understanding optimal loan structure that fits the client need Validating the calculation of critical financial metrics, including Liquidity Coverage Ratio and Debt Service Coverage Ratio - including review/validation of the initial automated calculations Conduct review of key financial metrics from Debt schedule P&L Balance Sheet Income statement Tax Returns - Business and Personal Personal Financial Statements [ensure logical connection between documents, stated income and bank statement data] Credit summary review/ validation: Review the draft credit summary (prepared using an LLM) and then enhance/interpret to ensure that it adequately describes the business, its risks and adequacy for final review by the lender. Package Preparation: Preparing a comprehensive and accurate loan package for submission to the partner bank underwriter for their formal review. Qualifications Five (5) years of experience in underwriting, loan processing, or a related financial field. Strong analytical skills with proficiency in reviewing and interpreting credit reports and financial statements. Experience calculating key lending metrics (e.g., DSCR, liquidity coverage ratios) Strong knowledge of current SBA SOP, eligibility requirements, and overall industry credit standards Excellent attention to detail and organizational skills. Preferred Experience with SBA loan packaging and requirements. Knowledge of small business credit metrics and risk assessment. Proficiency with various document management and financial software. Pay Range: $70 - $85k Benefits Be part of a high-performing, collaborative team, and have fun at work each day Competitive pay A full suite of traditional benefits Untracked PTO (Paid Time-off) 401(k) with company match Company-contributed HSA Onsite gym and standing desks Wellness program Discounted cellular plans Infertility Coverage (Starting in 2026) Get to know Lendio: Lendio is the nation's leading small business financial solutions provider, with a mission to help small businesses survive and thrive. With its diverse network of lenders, Lendio enables small business owners to apply for multiple business financing options with a single application. In addition to creating access to small business capital, Lendio offers time-saving financial SaaS products that are designed to streamline business operations. Lendio is a mission-driven organization striving to provide equal access to capital to underserved communities and America's smallest businesses. For every new marketplace loan Lendio facilitates, Lendio Gives-an employee-contribution and employer-matching fund, in partnership with KIVA-provides a microloan to low-income entrepreneurs around the world, continuously re-investing the fund. Lendio is an equal opportunity employer committed to diversity and inclusion. We welcome anyone who wants to help small businesses survive and thrive and aligns with our core values, regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, veteran status, or other applicable legally protected characteristics. If you have a disability or special need that requires accommodation, please let us know. Lendio participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

Please reference the schedule and minimum qualifications listed below before applying. If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at ************ option 1 or email *********************** and every reasonable effort will be made to accommodate your needs in a timely manner. Job SummaryStructure, analyze and underwrite less complex (SBA 7(a), 504, and Express loans) in accordance with MACU, SBA, and NCUA rules and regulations, participates in department administration functions, and participates in all aspects of the SBA lending cycle.Job Description LOCATION Mountain America Center - In Office: 9800 S Monroe St Sandy, UT 84070 SCHEDULE Full Time To be effective, an individual must be able to perform each job duty successfully: Underwrites traditional commercial loans; prepares credit presentations, documenting credit analyses and recommendation for credit decision to approving authority. Prepares timely, concise and accurate credit recommendations with supervision. Includes: (1) quantitative components within the underwriting narrative; (2) accurate use of risk rating scoring matrix, both quantitative and qualitative rating elements, to ensure loans are properly risk-rated; and (3) accurate identification and mitigation of risk, including all policy exceptions, procedures and compliance regulations. Has a general understanding of underwriting processes per MACU standards. Understands and demonstrates good written communication relating to credit presentations, addendums and other related forms of written communication. Analyzes repayment ability including business and personal cash flow. As applicable, performs financial ratio analysis comparative to industry standards. Performs financial stress testing analysis. Reviews and interprets personal and, as applicable, business credit reports. Prepares commitment letters. Reviews professional commercial real estate appraisals and associated third party reviews. Reviews professional environmental reports and assesses environmental risk. Analyzes commercial leases and or rent rolls. Assists with satisfying loan closing requirements. Reviews annual financials on existing loans and analyzes the risks associated with the borrower's financial condition, recommending risk-rating changes where appropriate. Ensures regular communication through the origination process with loan officers, management and team members. Supports team members to ensure excellent member service both internally and externally. Manages up to three loan requests at a given time. Works together with team members to accomplish monthly, quarterly and annual goals. Maintains working knowledge of MACU policies and procedures, adhering to industry lending regulations. Performs other duties as assigned. KNOWLEDGE, SKILLS, and ABILITIES The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions. Experience Two years underwriting experience in a progressive financial setting or two years of CRE Lending operational experience. Both are preferred. Education Bachelor's degree from an accredited institution in business, finance, economics or related field or equivalent related lending/financial experience. Education will be verified. Additional progressive professional experience may be substituted in lieu of a degree. Licenses, Certifications, Registrations N/A Managerial Responsibility Has no supervisory/managerial responsibilities. Computer/Office Equipment Skills Experience with financial reporting or tax analysis software preferred. Intermediate skills with Microsoft Office Suite including Outlook, Word, and Excel. Language Skills Ability to clearly express ideas, methodology, results and recommendations verbally, in writing and through insightful reports and graphic illustrations. Ability to present information in a manner appropriate for key stakeholders and all levels of the organization. Strong writing and grammatical skills relating to preparing credit memos, addendums, memorandums, and all forms of written communication. Other Skills and Abilities Unquestioned personal and professional integrity. Ability to work both autonomously and collaboratively in a fast-paced environment. Self-starter with strong organizing and time management skills and the ability to work productively and efficiently in a fast-paced environment with multiple projects and timelines. Adaptive to change, responds positively to altered circumstances or conditions. Possess a desire and willingness to learn and continually update knowledge base on financial concepts, strategies, systems etc. Take initiative to be a problem solver and provide suggestions to improve processes and efficiencies. Data analytics and data validation skills and proficiency in business data analysis (MS Excel, etc.). PHYSICAL ABILITIES / WORKING CONDITIONS Physical Demands Ability to sit, talk and hear consistently Ability to stand, walk, and use hands to handle or reach occasionally Vision Requirements Close vision (clear vision at 20 inches or less) Distance vision (clear vision at 20 feet or more) Weight Lifted or Force Exerted Ability to lift up to 10 pounds occasionally Environmental There are no unusual environmental factors (such as a typical office) Noise Environment Moderate noise (business office with computers and printers, light traffic) #LI-FW1 Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.

The Loan Servicing Analyst I consist of administrative and customer service responsibilities. The Loan Servicing Analyst I is required to convey an image of professionalism, efficiency, and competence as a member of the Celtic Bank team. This role is expected to deliver exceptional customer service via inbound phone calls and emails by satisfying customer questions and requests. The Loan Servicing Analyst I will be responsible for ensuring compliance with Celtic Bank General Policies as well as state and federal regulations. Essential Job Functions Provide superior customer service with timely responses and accurate information. Receive and respond to all incoming customer service-related matters, some examples of which may include balance inquiries and payment history; documentation requests; address changes; calculation of payoff quotes or amortization schedules; creation of memorandums and inter-departmental communication. Attend trainings to learn policies, procedures, loan products and types. Gain an understanding of the SBA, Celtic Bank departments, and SBA lending. Review, organize, and distribute all departmental mail including mail for service contractors and sponsors. Ability to maintain a great attitude and professional disposition with both internal and external parties, especially while handling deadlines, delays, and setbacks. Perform other duties as assigned. Requirements Previous office experience and/or banking experience is strongly preferred. Detail oriented with the ability to communicate effectively with customers via phone and email. Outgoing personality with the ability to properly resolve customer concerns. Technical skills - including but not limited to Microsoft Office, internet, and SharePoint/OneDrive. Ability to learn quickly, adapt to new processes, and work in a collaborative environment. Ability to establish and maintain effective work relationships. Undergraduate degree preferred, but not required. Benefits Medical, dental, vision 401(k) with employer match Life and long-term disability coverage HSA and FSA plans Holidays and paid time off requests Robust wellness program (we're talking catered meals three times a week, lunch and learns, and onsite gym!) Headquartered in the heart of downtown Salt Lake City, Utah, Celtic Bank was named a top SBA lender in the nation in 2024! Celtic Bank is a leading nationwide lender specializing in SBA 7(a), SBA 504, USDA B&I, express loans, asset-based loans, commercial real estate loans and commercial construction loans. Celtic Bank is an equal opportunity employer and complies with all applicable federal, state and local fair employment practices laws. Physical and Other Requirements This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. The demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Stationary Work: The employee is frequently required to stand; walk; use hands to type, handle documents, and perform other office related duties. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. Mobility: The employee in this position needs to occasionally move between work sites and inside the office to access file cabinets, office machinery, etc. Communicate: The employee is regularly required to talk or hear and will frequently communicate with others. Must be able to read, write and understand fluent English. Work Model: The employee in this position will work either a fully Onsite, or Hybrid work model. All employees, regardless of location, may be required to travel to the Salt Lake City office for mandatory company meetings, events, or related occasions. Utah-based employees: Hybrid work schedule available after initial training period in our Salt Lake City, Utah office - department and job requirements will determine eligibility.

AgileCap is a growing entrepreneurial company based in Park City, UT. The company has lent millions in capital funding to insurance agencies since it began in 1998. Initially launched as Commissions Funding Group, the business was transitioned to AgileCap in 2014. AgileCap's only goal is to serve as the premier lending expert for companies in the insurance industry. This includes small-to-mid-sized insurance sales organization and intermediaries like Manager General Agencies, Brokerage General Agencies, Insurance TPAs, Franchisers and Associations. Few traditional lenders will help insurance businesses with flexible loans, mainly because they don't see that sufficient collateral exists. AgileCap uses its sophisticated understanding of the insurance commission structure to collateralize an agency's future commissions. This gives us the advantages of quick turnaround, total flexibility in loan structure, and competitive finance terms. These advantages are complimented by personalized service and agency-tailored support, the hallmarks of our business practice. Job Description our Commercial Loan Underwriter, you will provide support to lending teams in the origination and servicing of credit relationships. You are responsible for independently underwriting all credit requests and analyzing the repayment capacity of new applicants and existing obligors. You may recommend loan structures, terms, covenants, and risk ratings. Additionally, you may support the monitoring of borrower compliance with approved terms, portfolio management, and assisting in the administration of credit relationships. Analysts will be proficient in spreading financial statements and underwriting a variety of industries, loan products, and collateral types, including, but not limited to: nonprofit, owner-occupied real estate, multifamily income properties, commercial investor real estate, accounts receivable and inventory, and equipment. Duties and Responsibilities Analyze the financial condition and creditworthiness of businesses and individuals Evaluate the quality and sufficiency of the collateral and sources of repayment Assess the appropriateness of credit structures for new loan and renewal requests and recommend risk ratings Prepare loan approval request memos in cooperation with Relationship Managers and participate in presentations to the approving authorities as needed Act as a control point in the loan approval process to ensure adherence to bank procedures, credit policies, and loan covenants Provides excellent customer service with all parties, including selling banks/financial institutions, borrowers and co-workers. Assist Relationship Managers and Loan Operations staff in loan closing activities Provide post-funding analytical and monitoring support of credit relationships and portfolio maintenance, as needed Assists with audits and credit examinations, portfolio and borrower stress testing, and risk rating reviews Qualifications Requirements and Qualifications 1+ years of underwriting and portfolio management Experienced in a banking environment Proficiency with financial and accounting concepts and interpretation of financial statements Excellent written and verbal communication skills Computer literacy in Microsoft Word and Excel Demonstrated ability to work independently and balance multiple work assignments while meeting deadlines Professional demeanor and ability to deal effectively with people and work across departments Highly motivated, inquisitive, detailed oriented, and adaptive to change Additional Information If you have these qualifications and are looking for a great opportunity we want to meet you. We offer a competitive base salary, healthy benefit package and generous bonus program but most of all the ability to contribute to a team and learn and grow with our company. All your information will be kept confidential according to EEO guidelines.

Did you know that Zions Bancorporation is one of the nation's premier financial services companies with total assets exceeding $70 billion? With local management teams at the helm in 11 western states, Zions is dedicated to making a difference in their local communities. At Zions, we haven't forgotten who keeps us in business, meaning we're committed to the success of our customers, and our employees. Here, the possibilities are endless - come for a job, stay for a career. This position is in office located at our Zions Technology Center in Midvale, UT. The ideal candidate for the Commercial Small Business Banking Underwriter position will have the skills and experience necessary to: * Responsible for compilation of data as it relates to preparation of credit packages (or pre-screens) incorporating spreads, cash flow, value of related collateral, appraisals, audits and other data. * Interpret outcome of analysis and prepares summary, recommendations and may make joint presentations with Relationship Manager (RM) to Credit Approvers on renewals and new loans submitted. * Evaluate, analyze and form opinions for the approving or denying of commercial, commercial RE, and/or business banking loan applications. * Spread financial statements, identify credit strengths and weaknesses, provide detailed and documented analysis of credit worthiness. * Ensure credit requests are processed in accordance with bank policies, banking regulations and laws. * Identify risk and mitigating factors related to conducting a thorough credit analysis for approval. * Respond to internal and external customer inquiries. * Recommend exceptions based on findings. * May work closely with Relationship Manager on the more complex aspects of loan structuring, including long term, fixed vs. variable rates, pre-payment penalty and other variables. * May have authority to approve loans beyond the organizations guidelines. * Senior most level may function as a lead and be responsible for second level approvals. * Other duties as assigned. Qualifications: * Requires a Bachelor's in Finance, Business, Accounting or a related field and 1+ year commercial, commercial real estate credit or small business underwriting, spread analysis, lending, underwriting concepts, practices and procedures or other directly related experience. * A combination of education and experience may meet qualifications. * Basic knowledge of commercial, commercial RE and/or small business credit underwriting, spread analysis, lending, underwriting concepts, practices and procedures. * Basic knowledge of C&I and CRE loan requirements with the ability to identify risk and mitigating factors related to conducting a thorough credit analysis for approval. Knowledge of balance sheets, income and cash flow statements. * Good understanding of commercial and/or small business lending policies and procedures and general banking laws and regulations. * Ability to analysis and research financial statements, business plans, credit reports, debt ratios and loan to value information. * Possess good judgment, ability to make sound decisions. * Ability to accept responsibility and handle confidential information. * Must have good customer relations and communication skills. * Must be a self-starter, dependable, accurate in completing responsibilities with strong attention to detail and organizational skills. * Working knowledge of a various related software applications, including spreadsheets, word processing, etc. Benefits: * Medical, Dental and Vision Insurance - START DAY ONE! * Life and Disability Insurance, Paid Parental Leave and Adoption Assistance * Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts * Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays * 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience * Mental health benefits including coaching and therapy sessions * Tuition Reimbursement for qualifying employees * Employee Ambassador preferred banking products Employees may, at the company's discretion, be eligible to receive a cash bonus award

Salt Lake City, UT Financial Services - Commercial Banking Exp 10 -15 yrs Degree Bach Relo Bonus Job Description Responsible for making credit worthy decisions on complex commercial transactions to determine acceptability of risk in accordance with the company guidelines and standards. Advanced expertise on commercial loans Position Accountabilities Evaluates all financial statements (business and personal tax returns, fiscal year-end and interim statements and personal financial statements) for credit worthiness. Identifies recurring and non-recurring income/expenses. Comprehend all schedules, notes, and K-1's. Differentiates between cash and accrual method as well as comprehend UCA cash flow analysis. Consolidates related entities and summarizes results. Identifies credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation. Determines or amends applicable loan agreement covenant and monitoring requirements. Collaborates with Relationship Managers on reasoning for a particular decision, answering potential loan request questions, identifiying/resolving potential problem loans. Prepares a comprehensive credit summary in conjunction with the Relationship Managers and Credit Manager to address all material aspect of the request. Supports management of the Relationship Manager portfolio by addressing convenant violations, completing annual review/renewals, and identifiying opportunities. Performs other duties as assigned. Qualifications Required Education or Equivalent Experience Bachelor's Degree Required Required Experience Years of functional/professional experience: At least 10 years Field of Experience Expert knowledge of information and data processing systems. Expert in evaluating business and credit reports Expert knowledge of our Policy and Procedures Expert understanding of various regulatory/compliance policy and procedure including but not limited to Fair Lending, OFAC, Flood, Regulation O, highly leveraged transactions, etc. Meet and/or exceed our Service Level Agreement commitment Proficiency in MS Office and other system applications Excellent written and verbal communication skills Excellent organizational skills Additional Information All your information will be kept confidential according to EEO guidelines. Direct Staffing Inc

AgileCap is a growing entrepreneurial company based in Park City, UT. The company has lent millions in capital funding to insurance agencies since it began in 1998. Initially launched as Commissions Funding Group, the business was transitioned to AgileCap in 2014. AgileCap's only goal is to serve as the premier lending expert for companies in the insurance industry. This includes small-to-mid-sized insurance sales organization and intermediaries like Manager General Agencies, Brokerage General Agencies, Insurance TPAs, Franchisers and Associations. Few traditional lenders will help insurance businesses with flexible loans, mainly because they don't see that sufficient collateral exists. AgileCap uses its sophisticated understanding of the insurance commission structure to collateralize an agency's future commissions. This gives us the advantages of quick turnaround, total flexibility in loan structure, and competitive finance terms. These advantages are complimented by personalized service and agency-tailored support, the hallmarks of our business practice. Job Description our Commercial Loan Underwriter, you will provide support to lending teams in the origination and servicing of credit relationships. You are responsible for independently underwriting all credit requests and analyzing the repayment capacity of new applicants and existing obligors. You may recommend loan structures, terms, covenants, and risk ratings. Additionally, you may support the monitoring of borrower compliance with approved terms, portfolio management, and assisting in the administration of credit relationships. Analysts will be proficient in spreading financial statements and underwriting a variety of industries, loan products, and collateral types, including, but not limited to: nonprofit, owner-occupied real estate, multifamily income properties, commercial investor real estate, accounts receivable and inventory, and equipment. Duties and Responsibilities Analyze the financial condition and creditworthiness of businesses and individuals Evaluate the quality and sufficiency of the collateral and sources of repayment Assess the appropriateness of credit structures for new loan and renewal requests and recommend risk ratings Prepare loan approval request memos in cooperation with Relationship Managers and participate in presentations to the approving authorities as needed Act as a control point in the loan approval process to ensure adherence to bank procedures, credit policies, and loan covenants Provides excellent customer service with all parties, including selling banks/financial institutions, borrowers and co-workers. Assist Relationship Managers and Loan Operations staff in loan closing activities Provide post-funding analytical and monitoring support of credit relationships and portfolio maintenance, as needed Assists with audits and credit examinations, portfolio and borrower stress testing, and risk rating reviews Qualifications Requirements and Qualifications 1+ years of underwriting and portfolio management Experienced in a banking environment Proficiency with financial and accounting concepts and interpretation of financial statements Excellent written and verbal communication skills Computer literacy in Microsoft Word and Excel Demonstrated ability to work independently and balance multiple work assignments while meeting deadlines Professional demeanor and ability to deal effectively with people and work across departments Highly motivated, inquisitive, detailed oriented, and adaptive to change Additional Information If you have these qualifications and are looking for a great opportunity we want to meet you. We offer a competitive base salary, healthy benefit package and generous bonus program but most of all the ability to contribute to a team and learn and grow with our company. All your information will be kept confidential according to EEO guidelines.