Underwriter jobs in West Valley City, UT

Job DescriptionPosition Description: Summary:\tThe EEP Underwriter is responsible for evaluating mortgage loan applications to determine creditworthiness, compliance with both internal and agency guidelines, and overall risk. Essential Functions & Responsibilities \tAnalyze and underwrite mortgage loan applications. \tReview income, assets, credit reports, property appraisals, and all supporting documentation to assess borrower eligibility and risk. \tEnsure loan files meet internal, agency, and regulatory requirements. \tApply appropriate internal and FHA guidelines to make informed decisions on loan approvals, suspensions, or denials. \tClearly document underwriting decisions, including conditions required for final approval or closing. \tCommunicate underwriting decisions effectively to loan processors, correspondent lenders, and management. \tAssist with clearing conditions and final approval processes, ensuring timely closings. \tMaintain knowledge of current underwriting guidelines, mortgage industry trends, and regulatory changes. \tParticipate in quality control reviews, audits, and training as needed. \tContribute to a positive team environment with a focus on efficiency, accuracy, and excellent customer service. Performance Measurements \tPossess excellent written and verbal communication skills. \tStrong knowledge of mortgage loan products and agency guidelines. \tProficiency in loan origination software and Microsoft Office Suite. \tExcellent organizational, time-management, and multitasking skills. \tStrong attention to detail and problem-solving abilities. \tAbility to thrive in a fast-paced, deadline-driven environment. Knowledge, Skills and Abilities Experience\tMinimum of 3 years of recent mortgage underwriting experience, including Conventional and FHA loans required. Experience underwriting non-QM and portfolio loans preferred. An FHA direct endorsement (DE) designation is preferred. Education A high school diploma or equivalent is required. A Bachelor's degree is preferred. This position is bonus eligible. $36.06 - $43.27 Hourly

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

Job Description SBA Underwriter Hybrid- Salt Lake City area National commercial lender with growing SBA portfolio is adding a new underwriter to focus on SBA 7a opportunities. The ideal candidate will have a strong background in Small Business Administration (SBA) loan underwriting and credit analysis, ensuring compliance with SBA guidelines and internal policies. This role involves evaluating loan applications, assessing creditworthiness, and supporting the lending process to facilitate business growth. Key Responsibilities Loan Underwriting: Analyze and underwrite SBA loan applications, including 7(a) and 504 loan programs, ensuring adherence to SBA Standard Operating Procedures (SOPs) and internal credit policies. Credit Analysis: Evaluate financial statements, business plans, cash flow projections, and collateral to assess borrower creditworthiness and repayment ability. Risk Assessment: Identify and mitigate risks associated with loan applications by conducting thorough due diligence and recommending appropriate loan structures. Documentation Review: Verify and ensure completeness of loan documentation, including financial records, tax returns, and legal agreements, to meet SBA and institutional requirements. Compliance: Ensure all underwriting decisions comply with SBA regulations, federal lending laws, and internal guidelines. Collaboration: Work closely with loan officers, credit analysts, and management to provide insights and recommendations for loan approvals or declines. Reporting: Prepare detailed credit memoranda and present findings to credit committees or senior management for approval. Process Improvement: Contribute to the development and refinement of underwriting processes to enhance efficiency and accuracy. Qualifications Experience: Minimum of 3 years of experience in SBA credit analysis or underwriting, with a strong understanding of SBA 7(a) and 504 loan programs. Education: Bachelor's degree in finance, accounting, business administration, or a related field. Relevant certifications (e.g., Credit Risk Certification) are a plus. Strong analytical skills with the ability to interpret complex financial data. In-depth knowledge of SBA lending guidelines and procedures. Proficiency in financial modeling, cash flow analysis, and risk assessment. Excellent attention to detail and organizational skills. Strong communication skills, both written and verbal, for preparing reports and collaborating with stakeholders. Familiarity with loan origination systems and financial software (e.g., nCino, Moody's Analytics, or similar). Attributes: Ability to work independently, manage multiple priorities, and meet deadlines in a fast-paced environment. Preferred Qualifications Experience with commercial lending or other government-backed loan programs. Knowledge of industry trends and economic factors impacting small businesses. Prior experience presenting to credit committees or senior management.

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.

Introduction At RPS, we don't just embrace bold ideas, we make them happen. We're a team of entrepreneurs, big-picture thinkers, and passionate experts who thrive on possibility. Every day, we collaborate across teams, challenge convention, and push boundaries to design innovative solutions for our clients. With access to top-rated carriers and a dynamic marketplace, we bring strategy and creativity together to deliver what others might call impossible. Here, every voice counts, every perspective matters, and every challenge is an opportunity to grow. You'll be supported by a culture that celebrates ownership, curiosity, and high performance, where you're trusted to do your best work and encouraged to keep learning along the way. How you'll make an impact As a Transportation Underwriter focused on renewals, you will: * Renewal Management: * Underwrite and manage renewal policies for transportation clients, ensuring compliance with RPS underwriting guidelines and risk appetite. * Analyze existing accounts to assess risk exposure, pricing adequacy, and coverage needs. * Collaborate with brokers and agents to negotiate terms, conditions, and pricing for renewals. * Risk Assessment: * Conduct detailed risk evaluations for transportation businesses, including trucking, logistics, and fleet operations. * Review loss histories, safety protocols, and operational practices to determine appropriate coverage and pricing. * Client and Broker Relationships: * Build and maintain strong relationships with brokers, agents, and internal stakeholders. * Provide exceptional service by addressing inquiries, resolving issues, and delivering tailored solutions. * Compliance and Documentation: * Ensure all underwriting decisions comply with regulatory requirements and RPS policies. * Maintain accurate and up-to-date documentation for all renewal accounts. * Collaboration and Strategy: * Partner with the underwriting team to develop strategies for portfolio growth and profitability. * Stay informed about industry trends, market conditions, and regulatory changes impacting the transportation sector. About You Required: Bachelor's degree and 2 years related experience required. Working knowledge of Microsoft Windows applications and Microsoft Office. Preferred: * Minimum of 2 years of underwriting experience, preferably in the transportation or commercial insurance sector. * Proven expertise in managing renewal accounts and assessing transportation risks. Behaviors: Detail oriented; strong analytical skills and good communication and interpersonal skills #LI-MS4 Compensation and benefits We offer a competitive and comprehensive compensation package. The base salary range represents the anticipated low end and high end of the range for this position. The actual compensation will be influenced by a wide range of factors including, but not limited to previous experience, education, pay market/geography, complexity or scope, specialized skill set, lines of business/practice area, supply/demand, and scheduled hours. On top of a competitive salary, great teams and exciting career opportunities, we also offer a wide range of benefits. Below are the minimum core benefits you'll get, depending on your job level these benefits may improve: * Medical/dental/vision plans, which start from day one! * Life and accident insurance * 401(K) and Roth options * Tax-advantaged accounts (HSA, FSA) * Educational expense reimbursement * Paid parental leave Other benefits include: * Digital mental health services (Talkspace) * Flexible work hours (availability varies by office and job function) * Training programs * Gallagher Thrive program - elevating your health through challenges, workshops and digital fitness programs for your overall wellbeing * Charitable matching gift program * And more... The benefits summary above applies to fulltime positions. If you are not applying for a fulltime position, details about benefits will be provided during the selection process. We value inclusion and diversity Click Here to review our U.S. Eligibility Requirements Inclusion and diversity (I&D) is a core part of our business, and it's embedded into the fabric of our organization. For more than 95 years, Gallagher has led with a commitment to sustainability and to support the communities where we live and work. Gallagher embraces our employees' diverse identities, experiences and talents, allowing us to better serve our clients and communities. We see inclusion as a conscious commitment and diversity as a vital strength. By embracing diversity in all its forms, we live out The Gallagher Way to its fullest. Gallagher believes that all persons are entitled to equal employment opportunity and prohibits any form of discrimination by its managers, employees, vendors or customers based on race, color, religion, creed, gender (including pregnancy status), sexual orientation, gender identity (which includes transgender and other gender non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or military status, citizenship status, or any other characteristic protected (herein referred to as "protected characteristics") by applicable federal, state, or local laws. Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. In addition, Gallagher will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.

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

Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the home owner/buyer. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry. Position Summary: The Underwriter III plays an important role in the organization by performing a number of activities related to the company's retail operations functions. The role is primarily responsible, under intermittent to infrequent supervision, for underwriting conventional, FHA, VA, USDA, new construction, and condominium project loans according to company, secondary market investor, and government agency standards. This includes ensuring all tax, title, insurance, and closing documentation associated with the loan applications are accurate and complete, and approving or denying loan applications based on compliance with underwriting standards and risk management factors. The Underwriter III is considered the “go to” subject matter expert when the Lead/Supervisor/Manager is not available. Essential Functions: Review and evaluate loan documents to ensure accuracy, completeness, and compliance with company standards, federal and agency standards and guidelines, as well as any applicable state-specific and or local regulations, ordinances, etc. Analyze customer's loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation. Review appraisals to ensure that loans meet secondary market, investor, and company standards. Work with Loan Processors and Loan Officers on collecting information and documentation necessary to finalize incomplete loan packages. Determine if additional documentation or information would aid loan decision; request additional documentation or information accordingly. Provide options and recommendations to borrowers regarding suitable loan programs. Stay abreast of current regulations and industry trends that affect compliance and decision-making. Verify that system input is accurate and that company systems match Automated Underwriting System (AUS). Use expertise to answer questions and resolve escalated issues from junior-level teammates. Perform other duties as assigned. Qualifications: High school diploma or equivalent required; college courses/technical training related to Business, Finance/Accounting, Legal, or related field is preferred, along with total recent work experience that includes five or more years underwriting conventional, FHA, VA, or Bond Program loans, and/or five or more years experience underwriting jumbo, or permanent/one-time close loans. Direct Endorsement (DE) certification required; must have current certification(s) for any assigned region with state-specific requirements to originate/supervise loans, along with endorsements including Direct, VA, Auto and SAR. Expert-level knowledge of overall mortgage lending processes, including underwriting, funding, and loan processing. Expert-level knowledge of valid documentation related to the processing consumer mortgage applications (e.g., tax returns, financial statements and records, verification of income and deposits, etc.). Expert-level knowledge of underwriting and regulatory requirements; detailed knowledge of federal, state, and regulatory requirements/guidelines related to consumer mortgage lending and internal processes and controls. Ability to think critically, including the ability to evaluate facts and data to draw conclusions, and determine the downstream impact of decisions and associated risks. Ability to prioritize multiple tasks in a deadline-driven environment; strong sense of urgency and responsiveness. Intermediate math skills. Strong verbal and written communication skills. Strong detail orientation and highly organized. Supervision: Intermittent to infrequent supervision required, depending on experience. Possible 1 Indirect Report Moderate to high levels of independent judgment and discretion required; resolves escalated issues of high complexity May provide guidance to less experienced teammates Requirements: Physical: Work is primarily sedentary; occasionally walks and/or stands. Manual Dexterity: Frequent use of computer keyboard and mouse. Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media. Environmental: Office environment - no substantial exposure to adverse environmental conditions. Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match. Hourly Range $35.1548 to $52.7327 USD Guild Mortgage Company is an Equal Opportunity Employer.

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

At Corgi, we're building the first fully automated insurance carrier. Our goal is to rebuild the $1T+ insurance industry from the ground up using AI. We're not just building a company; we're building infrastructure for the next hundred years. If you've built things from scratch and know what it means to move fast and own outcomes, we want you on the team. We're well-funded and backed by top investors, providing the resources you wish you had when building your own business. We don't care about traditional roles or titles - just that you're smart, proactive, and bring the same founder-level ownership and drive to help us build something massive. Role Summary As our Senior P&C Underwriter, you will play a critical role in shaping and executing Corgi's underwriting strategy. You'll bring deep technical expertise in property & casualty risk evaluation and combine it with a forward-looking mindset to help us design scalable, compliant, and competitive underwriting frameworks. This role offers the opportunity to apply your underwriting experience in a high-growth environment where your decisions will directly influence our products, portfolio, and long-term success. Key Responsibilities Lead underwriting strategy across multiple P&C product lines Develop and refine risk appetite, underwriting guidelines, and frameworks that enable automation and scalability Collaborate with actuarial, product, regulatory, and operations teams to launch and manage new insurance products Provide expert input into regulatory filings and respond to inquiries from state insurance departments Monitor portfolio performance and implement adjustments to maintain profitability and risk integrity Serve as a mentor and subject matter expert to junior underwriters as the team expands Qualifications 10+ years of P&C underwriting experience, preferably in commercial lines Strong knowledge of underwriting principles, risk assessment, and regulatory requirements Demonstrated experience launching or expanding insurance products or programs Ability to balance traditional underwriting discipline with innovative, technology-driven approaches Exceptional judgment, analytical ability, and attention to detail Strong communication skills and the ability to work cross-functionally with technical and non-technical stakeholders Why You Should Join Impact: Play a defining role in building the underwriting foundation of a next-generation carrier. Innovation: Partner with engineers to create underwriting processes that are faster, smarter, and more scalable. Growth: Join at a pivotal stage where your expertise will shape not only products, but also the broader company strategy. Stability & Scale: Work at the intersection of insurance discipline and startup innovation, backed by real resources and long-term vision.

We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, you could have the flexibility of work-from-home time as defined by the leadership team. Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated entry level Underwriting professional to join our team. The position requires the person to: Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions. Become familiar with company policies, manuals, forms and endorsements in order to understand their meaning and use. 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 employees through verbal and/or written means. Desired Skills & Experience Bachelor's degree or equivalent experience Ability to organize data, multi-task and make decisions independently Above-average communication skills (written and verbal) Ability to resolve complex issues An interest in developing 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-DNP #LI-CH1 #LI-Hybrid

Thank you for your interest in a career at Regions. At Regions, we believe associates deserve more than just a job. We believe in offering performance-driven individuals a place where they can build a career --- a place to expect more opportunities. If you are focused on results, dedicated to quality, strength and integrity, and possess the drive to succeed, then we are your employer of choice. Regions is dedicated to taking appropriate steps to safeguard and protect private and personally identifiable information you submit. The information that you submit will be collected and reviewed by associates, consultants, and vendors of Regions in order to evaluate your qualifications and experience for job opportunities and will not be used for marketing purposes, sold, or shared outside of Regions unless required by law. Such information will be stored in accordance with regulatory requirements and in conjunction with Regions' Retention Schedule for a minimum of three years. You may review, modify, or update your information by visiting and logging into the careers section of the system. **Job Description:** At Regions Home Improvement Financing, the Home Improvement Financing Underwriter I is responsible for reviewing and validating documentation required for loan application approval. Regions Home Improvement Financing, a division of Regions Bank, engages in strategic partnerships with home-improvement manufacturers, distributors, franchisors, trade groups, and other organizations (with networks of home improvement contractors) to develop customized white-label loan programs to help them increase their sales as well as attract and retain top dealers. **Primary Responsibilities** + Reviews conditionally approved applications to ensure an accurate application decision is made + Reviews and validates verification documents to make final decisions for conditionally approved applications + Performs manual underwriting of files according to guidelines and analyzes credit, Fair Isaac Corporation (FICO), Debt to Income, and reviews for potential risk and fraudulent activity + Sets clear and concise conditions for missing documentation necessary to meet underwriting approval requirements + Responds to questions on conditions from processors in a reasonable timeframe + Responds to complex follow-up questions from applicants and contractor partners + Meets required production levels for both quality and quantity + May perform other tasks as assigned This position requires the tracking of time and is eligible for overtime hours worked in excess of 40 per week under the Fair Labor Standards Act. **Requirements** + High School Diploma or GED + One (1) years of underwriting experience or two (2) years of lending experience + Verification validation certifications **Skills and Competencies** + Ability to work in a fast paced, dynamic work environment + Excellent verbal and written communication skills + Good computer skills, including Microsoft Office Suite + Good typing skills + In-depth knowledge of credit underwriting process and credit bureau reports **Additional Preferences** + Ability to accurately observe stable and scrolling on-screen text and images + Ability to accurately detect verbal information and communicate verbally using a headset or speaker and microphone + Ability to operate a keyboard and mouse to type and make on-screen selections + Ability to work at a computer for extended periods of time This position may be filled at a higher level depending on the candidate's qualifications and relevant experience. **Schedule of Role:** Monday - Friday, 8:00am - 4:30pm There is also a mandatory rotational Saturday. **Position Type** Full time **Compensation Details** Pay ranges are job specific and are provided as a point-of-market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. As these factors vary by individuals, pay will also vary among individual associates within the same job. The target information listed below is based on the Metropolitan Statistical Area Market Range for where the position is located and level of the position. **Job Range Target:** **_Minimum:_** $40,000.00 USD **_Median:_** $48,240.00 USD **Incentive Pay Plans:** This job is not incentive eligible. **Benefits Information** Regions offers a benefits package that is flexible, comprehensive and recognizes that "one size does not fit all" for benefits-eligible associates. (******************************************************************** Listed below is a synopsis of the benefits offered by Regions for informational purposes, which is not intended to be a complete summary of plan terms and conditions. + Paid Vacation/Sick Time + 401K with Company Match + Medical, Dental and Vision Benefits + Disability Benefits + Health Savings Account + Flexible Spending Account + Life Insurance + Parental Leave + Employee Assistance Program + Associate Volunteer Program Please note, benefits and plans may be changed, amended, or terminated with respect to all or any class of associate at any time. To learn more about Regions' benefits, please click or copy the link below to your browser. ************************************************************* **Location Details** Salt Lake City UT LOB **Location:** Salt Lake City, Utah Equal Opportunity Employer/including Disabled/Veterans Job applications at Regions are accepted electronically through our career site for a minimum of five business days from the date of posting. Job postings for higher-volume positions may remain active for longer than the minimum period due to business need and may be closed at any time thereafter at the discretion of the company.

Spieldenner Financial Group is a part of the fastest-growing insurance organization in the country. Our most important focus areas include getting agents paid quickly, keeping costs minimal, and giving agents the training and support needed to achieve success. Job Duties: Setting Appointments: 6-8 hours per week: reaching out to potential clients that have previously requested coverage with our company and scheduling a time to meet with them to discuss their mortgage protection coverage. Research: 4-5 hours per week: digging into the information the client provided in order to customize options to meet their financial need in the case of a death or disability. Meeting with Families: 2 days per week: meeting with clients either virtually or in-person (the choice is yours) to present their options, discuss the details of the coverage, and help them apply for coverage. Administrative: 2 hours per week: following up with insurance carriers to facilitate client applications through underwriting Qualifications: We are looking for coachable, challenge-seeking, self-disciplined individuals with a growth mindset: Skill set isn't everything for this position. What We Do: We serve people: Every week, we sit with our clients (in person or virtually) and take a deep dive into their financial situation. We protect our clients: We partner with top-rated insurance companies to customize a plan that provides a personalized solution that will protect their largest asset: the ability to make an income. We grow : We are a personal development company that just happens to sell insurance. We strive to make a generational impact in the lives of our clients, our agents, and our community! What Sets us Apart: We maintain a people-first mentality that starts and ends with our agents. Our unparalleled benefits and connections within the insurance industry ensure that our agents have the resources they need to excel inside and outside of work If you feel this might be the home you have been looking for. Click APPLY! Commissions as a New Agent: This position is a commission-only based sales position. The average commission on a mortgage protection product is approximately $600 per family you protect. Our expectation is that a full-time agent will sell 5 to 10 mortgage protection plans per week. In addition to mortgage protection, we also have a selection of premium financial products to help people save for retirement or protect their current retirement accounts (e.g. 401k's and IRA's) from losing money in the stock market. We have extensive training on how these products work and how to sell them. In addition to uncapped commission, we have a competitive bonus structure program along with incentive trips agents/managers can qualify for based on their individual and team results. ***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.

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. The ideal candidate for the SBA Underwriter position will have the skills and experience necessary to: · Underwrite SBA guaranteed loan products, primarily 7a, Express, and 504 loans ensuring adherence to SBA SOP, bank policies, banking regulations and laws. · Compile data as it relates to the 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. · 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 organization's guidelines. · Senior most level may function as a lead and be responsible for second level approvals. · Other duties as assigned. Required 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 various related software applications, including spreadsheets, word processing, etc. Preferred Qualifications: · Knowledge of the SBA SOP (Standard Operating Procedures). · 3+ years of direct SBA underwriting experience including 7a, Express, and 504 loans. · Experience underwriting commercial loans with a construction component (i.e. - ground-up construction, building expansion, tenant improvements). 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 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

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.