junior underwriter

Montpellier Resourcing

<p><strong>Up to £100,000 plus EXCELLENT bonus and benefits</strong></p> <p><strong>Hybrid Working Available!</strong></p> <p>A fantastic opportunity has arisen for an experienced Underwriter to join the Buy to Let department at a leading specialist Property Lending company based in the heart of London. You will be responsible for approving new mortgage applications within the Standard, Professional and portfolio But To Let product offering, and working to add value to the entire BTL process. <strong>You will also be repsonsible for managing more junior members of the team.</strong></p> <p><strong>Duties of the Buy to Let Underwriter:</strong></p> <ul> <li>Foster strong partnerships with the BTL Underwriting and Credit teams.</li><li>Provide input and authorize credit decisions within delegated authority to promote responsible portfolio growth in alignment with Credit Policy.</li><li>Assess and underwrite mortgage applications with higher risk profiles.</li><li>Make lending decisions in accordance with the Credit Risk Policy, Responsible Lending Policy, and individual mandate limits.</li><li>Act as an escalation point for team members, offering guidance, coaching, and training where necessary.</li><li>Take a holistic approach to applications, considering overall customer needs and outcomes.</li><li>Oversee new applications, correspondence, and pre-submission queries while meeting service level agreements.</li><li>Proactively manage a pipeline of applications from submission through to completion.</li><li>Collaborate with a pre-approved panel of Introducers to ensure swift, accurate, and consistent underwriting outcomes.</li><li>Adhere to internal guidelines and regulatory frameworks, including FCA, PRA, AML, Financial Crime Prevention, and Data Protection standards.</li><li>Take on project responsibilities and complete ad-hoc tasks as directed by management.</li></ul> <p><strong>Requirements for the successful Buy to Let Underwriter:</strong></p> <ul> <li>Minimum of 5 years' experience within underwriting and / or credit exposure within the BTL / Portfolio BTL market</li><li>Candidates will currently be holding a non-entry level lending mandate</li><li>Candidates must have managerial experience</li><li>Experience liaising with Introducers and external customers</li><li>CeMAP Qualified highly desirable</li><li>Understanding and experience of the regulatory environment</li></ul> <p>This vacancy is being advertised by Montpellier Resourcing Associates Limited. The services advertised by Montpellier Resourcing Associates Limited are those of an Employment Agency.</p>

Senior Buy to Let Underwriter

Howden Group

<div><div>At DUAL North America, our core values dictate how we live and work. We are a group with independence and people at its heart and we are a home for talent with a unique culture: the biggest small company in the world.<br>
<br>
The focus on being a People First business has always been at the very heart of the Group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the Group has been and will continue to be key.</div><div>
DUAL North America, Inc. is seeking a</div>
Associate Underwriter Energy<div></div><ul><li><div>
Classification: Exempt/Full-Time</div></li><li><div>
Reports to: SVP, Head of Energy Production</div></li><li><div>
Travel: 0-10%</div></li><li><div>
Salary: $65,000.00-$75,000.00</div></li></ul><div></div><div>
Role overview</div><div>
DUAL North America is seeking an Associate Underwriter for the Energy division.</div><div></div><div>
At DUAL, Associate Underwriters play a key supportive role through the risk underwriting process and expansion of broker relationships. In this role, you will assist with account quoting and binding, prepare and distribute various types of communications, and provide quality customer service through the underwriting life cycle. This position will focus predominantly on our Energy Casualty portfolio which consists of General Liability, Pollution Liability, Professional Liability, and Excess Liability. Cross training for other product lines may be done as the need arises.</div><div></div><div>
DUAL Energy (formerly Energy, Industrial, and Utility Risk Solutions) is a program administrator underwriting Energy Casualty business. We are now in our tenth year of operations, underwriting for the same A+ XV rated carrier since inception. We specialize in Contractors, Consultants, and other service providers performing work in the oilfield, renewable energy, refinery, utility, pipeline, and other heavy industrial sectors. You will support our suite of projects with include: energy casualty, ocean marine, inland marine, workers compensation, GL/CPL/PL, Excess Liability and Construction GL.</div><div></div><div>
Role responsibilities</div><ul><li>Process submissions by providing account triage for Underwriters</li><li>Provide backup support for Underwriters when traveling in the market</li><li>Gather and compile information required to quote and/or bind an account</li><li>Generate, edit, and send out a variety of correspondence on behalf of the Underwriters such as declination letters, quote follow ups and subjectivity reminders</li><li>Demonstrate basic understanding of technical underwriting principles and risk underwriting characteristics</li><li>Learn market dynamics, competitive landscape, and product differences (attend weekly underwriting meetings if applicable, ask questions) &ndash; need to understand what business is selling (understanding why deals are lost and adjusting accordingly)</li><li>Provide customer service and underwriting support to help achieve new and renewal premium goals</li><li>Build relationships with producers with supervision from more senior underwriters</li><li>Fill in for other team members to ensure business continuity during peak periods and/or when team members are unavailable</li><li>Assist Underwriters as requested</li><li>Complete other related clerical and administrative duties as assigned</li></ul><div>
Underwriting Authority:</div><ul><li>Working towards Underwriting Authority, but does not have it yet</li><li>Quote issuance as approved by senior underwriter</li><li>Bind issuance as approved by senior underwriter</li><li>Policy Issuance review</li><li>Conduct inspection review and analysis resulting in appropriate issue identification, and process post inspection changes as necessary</li></ul><div></div><div>
Key requirements</div><div>
&bull; Bachelor&rsquo;s degree in risk management, finance, business or a related field preferred &bull; 0 &ndash; 1 year underwriter or insurance experience</div><ul><li>Foundational knowledge of insurance principles</li><li>Past Internship in Risk Management preferred</li><li>Proficiency in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint)</li><li>Ability to follow policies and procedures</li><li>Complete assigned tasks correctly, on time and able to learn quickly</li><li>Self-motivated and demonstrating attention to detail</li><li>Be able to work independently for extended periods</li></ul><div>
&bull; Excellent written and verbal communication skills as well as general business understanding &bull; Travel up to 10% with an underwriter to shadow and participate in interactions between Underwriters and brokers</div><ul><li>Must be able to remain in a stationary position 50% of the time, with occasional movement in the office to access cabinets and equipment</li><li>If you do not meet all the qualifications for this role, we still encourage you to apply, as we are always looking for diverse talent to join our growing team.</li></ul><div></div><div>
About DUAL</div><div>
Working across 21 countries, DUAL has built a reputation as a specialist underwriting group and the market of choice for insurance intermediaries around the world. That&rsquo;s how we have become one of the world&rsquo;s largest international underwriting agencies (or MGAs) with US$3.5bn of GWP.</div><div>
DUAL North America is the leading underwriting organization in the US offering commercial property, casualty, financial lines, and personal property insurance products underwritten through several specialized subsidiaries. Since 2013, we have grown to over 650 employees in 14 offices across the US, and we are continuing to grow.</div><div></div><div>
DUAL is part of Howden, an international insurance group with employee ownership at its heart. The group was founded in 1994 and now has divisions in broking and underwriting, operates in 55 territories and employs over 19,000 people handling US$42bn of premium on behalf of clients.</div><div></div><div>
What do we offer in return?</div><div>
A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more.</div><div>
What you might not expect is a job where everyone has a voice, where volunteering in the community is part of the day job, and where everyone is encouraged to play a part towards our sustainability goals. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community.</div><div></div><div>
Our culture: people first</div><div>
Our core values dictate how we live and work. We&rsquo;re a group with independence and people at its heart and we&rsquo;re a home for talent with a unique culture: the biggest small company in the world.</div><div>
The focus on being a people-first business has always been at the very heart of the group; Our vision was to create an independent business with a unique culture and one that would survive and thrive as a business controlled by the people working for it. And finding the most talented and entrepreneurial people to join the group has been and will continue to be key.</div><div></div><div>
Diversity and inclusion</div><div>
At DUAL, we consider our people our chief competitive advantage and, as such, we treat colleagues, candidates, clients and business partners with equality, fairness and respect, regardless of their age, disability, race, religion or belief, gender, sexual orientation, marital status or family circumstance.</div><div></div><div>
What we offer:<br>
A career that you define. Yes, we offer all the usual rewards and benefits - including medical, dental, vision, a wide variety of wellbeing offers, competitive salary, unlimited PTO, 401k with company match, paid volunteer days and more.</div><div>
We provide an environment where new ideas are encouraged and celebrated, where people who want to have a real hand in our success thrive. We want people who want to make a difference - not just in the workplace, but in the industry and in the wider community.</div><div></div><div>
EEO Statement:<br>
We consider our people our chief competitive advantage and as such we treat colleagues, candidates, clients, and business partners with equality, fairness, and respect. DUAL North America provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. DUAL will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment.</div></div>

Associate Underwriter Energy

Berkley

<div>Company Details:<div></div><div><br>
Intrepid Direct Insurance (IDI) is a rapidly growing direct to consumer Property and Casualty insurance company. A member of the W. R. Berkley Corporation, a fortune 500 company, rated A+ (Superior) by A.M. Best, Intrepid Direct&rsquo;s vision is to <b>make life better for business</b>. The insurance industry has not evolved with innovation like other major industries. We&rsquo;re here to change that. We are making life better for our customers, shareholders, and our team members by leveraging data and technology as insurance experts for our targeted customers. You will be part of a highly collaborative team of talented and focused professionals. Join a group that enjoys working together, trusts each other, and takes pride in our hard-earned success.</div><div></div><div><br>
https://intrepiddirect.com/</div><div></div><div><br>
The Company is an equal employment opportunity employer.</div>
Responsibilities:
<div>
The <b>Senior Underwriter</b> is a member of our production underwriting team. Our underwriting team works on new and renewal accounts in their targeted industries. Underwriting books of business will have accounts with varying levels of premium size and technical complexity. Accounts can range in size from $5,000 to over $1M in premium.</div><div></div><div><br>
At Intrepid we value innovation above all else. We have created a community where we have redefined the word &ldquo;mistakes&rdquo; as &ldquo;learning opportunities&rdquo; and encourage our employees to break out from the familiar. We foster open mindedness and intellectual humility in order to create a safe and inviting work environment for employees to think outside the box.</div><div></div><div><br>
The role&rsquo;s primary responsibility will be to manage a book of business within their assigned industries. In addition, you will contribute to our underwriting direction, evaluate individual account profitability, collaborate with our staff underwriting team on product enhancements, and analyze data with actuaries. You may also have the opportunity to contribute and explore new insurance products and new business segments as Intrepid continues to grow and evolve.</div><div><br>
</div><div>Key functions include but are not limited to:</div><ul><li>
Underwrite accounts per letter of authority - new and renewal, with minimal direction</li><li>
Profitably underwrite and manage assigned book of business</li><li>
Gain deep expertise in assigned industries</li><li>
Utilize various underwriting tools to determine acceptable risk characteristics, accurate classifications, insurance to value, develop pricing, etc.</li><li>
Demonstrates the ability to effectively collaborate and communicate cross-departmentally</li><li>
Execute underwriting strategy and follow established underwriting guidelines</li><li>
Meets or exceeds Service Level Agreement deadlines with a high quality of work</li><li>
Meets or exceeds performance requirements on UW File Review Audits</li><li>
Viewed as an informal leader by being a go-to resource for other members on the team</li><li>
Supports Underwriting Team on projects, as assigned</li><li>
Owns aspects of mentoring and training new teammates</li><li>
Proven reliability and independence working on large accounts</li></ul>
Qualifications:
<ul><li>Bachelor&rsquo;s degree</li><li>
Underwriting experience - minimum of 5 years as a company underwriter specifically in commercial property and casualty underwriting</li><li>
Has underwritten new and renewal business with success in achieving growth and profitability</li><li>
Strong background using data analysis to guide underwriting philosophy and decisions</li><li>
Multi-line commercial background including Property, Liability, Automobile, Umbrella, Workers Compensation, and BOPs</li><li>
Knowledge underwriting &ldquo;main street&rdquo; classes of business</li><li>
Build sustainable relationships of trust through open and interactive communication</li><li>
Large account underwriting experience or line of business expertise a plus</li><li>
CPCU, AU and/or other related professional designations preferred/ current progress underway</li></ul>
Additional Company Details: We do not accept any unsolicited resumes from external recruiting agencies or firms. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. Sponsorship Details: Sponsorship not Offered for this Role</div>

Sr. Underwriter

Ally Financial

<div><div><div><div><div><div><h3 class="jobSectionHeader"><b>General information
</b></h3></div></div><div><div><div><div>Career area
</div><div>Underwriting
</div></div><div><div>Work Location(s)
</div><div>AZ, CA, CO, NV
</div></div><div><div>Remote?
</div><div>Yes
</div></div><div><div>Ref #
</div><div>21423
</div></div><div><div>Posted Date
</div><div>12-31-25
</div></div><div><div>Working time
</div><div>Full time
</div></div></div></div></div><div><div><div><h3 class="jobSectionHeader"><b>Ally and Your Career
</b></h3></div></div><div><div><div><div><div>Ally Financial only succeeds when its people do - and that&rsquo;s more than some clich&eacute; people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You&rsquo;re constantly evolving, so shouldn&rsquo;t your opportunities be, too?</div><div></div><div><b><br>
Work Schedule:</b> Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.</div>
</div></div></div></div></div><div><div><div><h3 class="jobSectionHeader"><b>The Opportunity
</b></h3></div></div><div><div><div><div><p><b>**Please note, this position can be filled at a 3H, 3G or 3F level based on experience**</b></p>
<p>Responsible for executing and facilitating the day-to-day strategic objectives for a given Consumer Underwriting Sales Territory. The focus will be on supporting the Underwriting Manager and Consumer Underwriters with daily territory maintenance activities. This role comes with more challenging targets and requirements than the Consumer Underwriter (3G) role.</p>
</div></div></div></div></div><div><div><div><h3 class="jobSectionHeader"><b>The Work Itself
</b></h3></div></div><div><div><div><div><ul><li>Maximize portfolio revenue by practicing sound underwriting judgment and risk management principles.</li>
<li>Ensure compliance with underwriting policies; elevate risk issues, and stay abreast of constant changes in policy and procedures.</li>
<li>Limited travel will be required for this role.</li>
<li>Requires flexibility in work schedule, evening hours and weekends may be required.</li>
<li>Demonstrated strong performance in managing key relationships and/or key markets to drive business plan results.</li>
</ul></div></div></div></div></div><div><div><div><h3 class="jobSectionHeader"><b>The Skills You Bring
</b></h3></div></div><div><div><div><div><p><b>3H &ndash; Associate Underwriter</b></p>
<ul><li>High school/GED is required; bachelor&rsquo;s degree is preferred</li>
<li>1+ years in auto finance consumer underwriting (prime, sub-prime, and/or non-prime), or financial services is preferred</li>
<li>Ability to perform technical based activities
</li><li>Knowledge of and exposure to fundamental theories, principles, and concepts</li>
<li>Demonstrating technical expertise and relationships to supply to strategy and drive business results</li>
<li>Familiar with the Auto Finance industry, consumer credit, trend analysis/analytics</li>
<li>Excellent sales, negotiation, problem solving, and analytical skills</li>
<li>Must be an independent worker with strong time leadership skills</li></ul><br>
<p></p><p>Base Pay Range: $47,840 - $61,420 - $75,000</p><p><br>
</p><p><b>3G &ndash; Underwriter
</b></p><ul><li>Bachelor&rsquo;s degree required; equivalent experience can be used in lieu of a degree</li>
<li>1+ years in auto finance consumer underwriting (prime, sub-prime, and/or non-prime), or financial services is required</li>
<li>Ability to perform technical based activities</li>
<li>Knowledge of and exposure to fundamental theories, principles, and concepts.</li>
<li>Demonstrating technical expertise and relationships to supply to strategy and drive business results</li>
<li>Familiar with the Auto Finance industry, consumer credit, trend analysis/analytics</li>
<li>Excellent sales, negotiation, problem solving, and analytical skills</li>
<li>Must be an independent worker with strong time leadership skills</li></ul><br>
<p></p><p>Base Pay Range: $55,000 - $75,000 - $95,000</p><p><br>
</p><p><b>3F &ndash; Sr. Underwriter
</b></p><ul><li>Bachelor&rsquo;s degree required; equivalent experience can be used in lieu of a degree</li>
<li>3+ years in auto finance underwriting (prime, sub-prime, and/or non-prime) is required; 5+ years in auto finance underwriting experience preferred</li>
<li>2+ years leadership experience preferred</li>
<li>Ability to provide advice/direction in primary areas of expertise leveraging technical expertise and relationships to contribute to strategy and drive business results</li>
<li>Contribute to and manage projects</li>
<li>Excellent sales, negotiation, problem solving, analytical, and project management skills</li>
<li>Exemplary dealer relationship management skills</li>
<li>Advanced knowledge of Microsoft Office Programs</li>
</ul><p>Base Pay Range: $70,000 - $85,000 - $100,000
</p></div></div></div></div></div><div><div><div><h3 class="jobSectionHeader"><b>How We'll Have Your Back
</b></h3></div></div><div><div><div><div>Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including:<ul><li><b>
Time Away:</b> Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).</li><li><b>
Planning for the Future:</b> plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access.</li><li><b>
Supporting your Health &amp; Well-being:</b> flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident &amp; hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.</li><li><b>
Building a Family:</b> adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts.</li><li><b>
Work-Life Integration:</b> other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers&reg; program and other employee discount programs.</li><li><b>
Other compensations:</b> depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.</li><li>
To view more detailed information about Ally&rsquo;s Total Rewards, please visit this link: https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdf</li></ul><p><b><br>
Who We Are:</b></p><p><br>
Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on &quot;Doing it Right&quot; and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com.</p><p><br>
Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.</p><p><br>
We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at hrpolicy@ally.com. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.</p>
</div></div><div><div><div><div><b>Base Pay Range</b>: $70000 - $100000 USD</div><div>
An individual's position in the range is determined by the specific role, the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer.</div></div>
</div></div><div><div><div>Incentive Compensation: This position is eligible to participate in our annual incentive plan.</div></div></div></div></div></div></div></div></div><div></div>

Sr Underwriter - Consumer

Ultimate Banking Ltd

<p><strong>Senior Mortgage Underwriter</strong></p><p><strong>Central Belt, Scotland</strong></p><p><strong>£dependent on experience, up to £45k</strong></p><p></p><p>Are you an experienced manual mortgage underwriter who thrives on providing excellent customer service, and underwriting a variety of residential and B2L loans? Our client has an exciting opportunity to join their team as a Senior Mortgage Underwriter; here you will be working in a close knit team of 6 and reporting to the Mortgage Underwriting Manager, being responsible for assessing complex residential mortgage applications up to £1m. </p><p></p><p>They are an established and highly customer focussed business with many awards to their name. This is a new role as they continue to expand and grow their lending offerings to their customers. You will be expected to be in their office (Central Belt) at least once a week (likely more the first few weeks) but thereafter flexibility to WFH. </p><p></p><p>Duties will include: </p><ul><li>Assess mortgage applications in line with lending policy and regulatory standards (MCOB) </li><li>Perform detailed affordability assessments, including non-standard income and complex applicant profiles </li><li>Apply manual underwriting judgement with freedom to apply common sense without the restrictions of rigid credit scoring </li><li>Provide technical guidance to junior underwriters and administrative assistants </li><li>Contribute towards underwriting policy reviews and process improvements </li><li>Liaise with intermediaries and internal stakeholders to progress applications efficiently </li></ul><p></p><p>The successful candidate will possess: </p><ul><li>At least 3 years' previous manual mortgage underwriting experience in residential and / or B2L lending</li><li>Previously held a mandate</li><li>Have a customer focus, be able to work within a relatively small team and contribute to the wider business, supporting more junior colleagues in particular</li></ul><p></p><p>Along with a competitive salary, additional benefits include: bonus scheme, very generous pension scheme and BUPA health care. If you are an experienced mortgage underwriter who can commute to the Central Belt area once a week and looking to work in a customer focussed lender, please apply now.</p>

Senior Mortgage Underwriter

Motive

<div><div><p><b>Who we are:</b></p>
<p>
Motive empowers the people who run physical operations with tools to make their work safer, more productive, and more profitable. For the first time ever, safety, operations and finance teams can manage their drivers, vehicles, equipment, and fleet related spend in a single system. Combined with industry leading AI, the Motive platform gives you complete visibility and control, and significantly reduces manual workloads by automating and simplifying tasks.</p>
<p>
Motive serves nearly 100,000 customers &ndash; from Fortune 500 enterprises to small businesses &ndash; across a wide range of industries, including transportation and logistics, construction, energy, field service, manufacturing, agriculture, food and beverage, retail, and the public sector.</p>
<p>
Visit gomotive.com to learn more.</p></div><div><div>
<h3 class="jobSectionHeader"><b>
About the Role:</b></h3>
<p>
We are seeking a highly motivated and experienced underwriting professional to join our Risk Management team. As an experienced underwriter, you will be responsible for reviewing and assessing the financial risk of new and existing customers, while making decisions based on policy guidelines. You should have experience and subject matter expertise in financial services, end-to-end underwriting lifecycle, portfolio management, bank statement and financial decisioning, and risk assessment.</p>
<p>
You&rsquo;ll evaluate applications, perform analysis that mitigate financial risk, and make timely and accurate decisions on application outcomes. The successful candidate will work as a member of our Risk Organization and collaborate with members from our sales, data science, product management, and other stakeholders to deliver best in class customer experience.</p>
<h3 class="jobSectionHeader"><b>
What You'll Do:</b></h3>
<ul><li>Collect, review and analyze applicants' relevant financial, demographic, and historic information and records. This includes, but is not limited to, analysis of business financial statements such as balance sheets, income statements and cash flow statements, bank statements, and credit reports</li>
<li>Directly communicate with clients &amp; sales about application status</li>
<li>Clearly articulate why and when additional documents are needed in order to determine a client's creditworthiness</li>
<li>Make determination whether to approve, decline or seek an exception for an application based on policy guidelines</li>
<li>Make quality decisions in a timely and efficient manner within expected SLA</li>
<li>Perform portfolio management, evaluating and identifying suspicious or questionable items</li>
<li>Recommend policy and process improvement to mitigate potential failure points throughout the underwriting journey</li>
<li>Bank statement analysis, financial spreading and risk ratio analysis culminating with underwriting memo</li>
</ul><h3 class="jobSectionHeader"><b>What We're Looking For:</b></h3>
<ul><li>3+ years of underwriting experience in financial services, high-growth payments, or fintech company</li>
<li>Strong critical reasoning, problem solving and analytical skills</li>
<li>Ability to work independently and thrive in a collaborative team environment</li>
<li>Excellent oral and written communication skills</li>
<li>Familiar with fundamentals of financial risk assessment</li>
<li>Familiar with the U.S. compliance, lending &amp; regulatory environment (KYC, Reg B, Reg Z, UDAAP, FCBA, Truth in Lending Act)</li>
<li>Experience with quantitative and qualitative analysis</li>
<li>Strong organization, and time management skills</li>
<li>Proven experience with bank based &amp; financial underwriting</li>
<li>Highly motivated, organized, reliable, and has demonstrated competency in mathematics and financial spreading</li></ul></div><p><br>
</p></div><div><p><i>
Creating a diverse and inclusive workplace is one of Motive's core values. We are an equal opportunity employer and welcome people of different backgrounds, experiences, abilities and perspectives.</i></p><p></p><p><i><br>
</i></p><p><i>
The applicant must be authorized to receive and access those commodities and technologies controlled under U.S. Export Administration Regulations. </i><i>It is Motive's policy to require that employees be authorized to receive access to Motive products and technology.</i></p>
<p>
#LI-Remote</p></div></div>

Risk Analyst I, Underwriting

Essent Guaranty, Inc.

<p></p><div><p><b>Essent Group Ltd. </b>(NYSE: ESNT) is a Bermuda-based holding company (collectively with its subsidiaries, &quot;Essent&quot;) which serves the housing finance industry by offering private mortgage insurance, reinsurance, risk management products and title insurance and settlement services to mortgage lenders, borrowers, and investors to support homeownership. We are focused on managing risk and dedicated to serving as a strong and fair counterparty. As a company, we bring strong private capital and a commitment to risk management to the mortgage insurance industry.</p><p></p><p><b><br>
Title: </b>Senior Title Underwriter<br>
<br>
<b>Location: </b>Central Region (Kansas, Missouri, Nebraska)</p><p><br>
Responsible for underwriting decisions pertinent to residential and commercial properties located within assigned state and back-up underwriting support in additional jurisdictions as needed. Provides advisory guidance to associates, independent agents, and customers on underwritten files. Monitors and manages high liability approvals.</p><p><b><br>
As a dynamic and resourceful professional, we will rely on you to perform the following duties:</b></p><ul><li>
Underwrite commercial and residential title closings. Assist independent and affiliated agent title and escrow officers on extraordinary issues, questions, and closing problems.</li><li>
Support Company efforts with assigned state regulators, rating agencies, and bureaus and licensing organizations. Review and approve high liability orders within maximum approved limits. Provide independent and affiliated agent training.
</li><li>Advise independent and affiliated agents regarding escrow and title closing issues. Respond to claim problems, advise the title, or escrow officers involved with Claims Department approval.</li><li>
Participate as requested by management in marketing and education efforts, including developing and making presentations to large and small groups, writing bulletins and articles for Essent Title and outside publications. Stay current and distribute to staff information regarding new laws and procedures. Participate in title industry associations, state, and local title organizations and related industry and state bar associations.</li><li>
Utilize underwriting standards and guidelines within delegated authority limits, to underwrite the issuance of title insurance. Provide guidance to company personnel in the performance of real estate settlement services. Issue underwriting standards and guidelines in accordance with established company processes.
</li><li>Manages staff to balance workloads and accomplish results through effective recruitment, selection, training, development, performance management, and recognition; holds direct reports accountable for developing staff competency in their areas of responsibility and meeting assigned goals and objectives.</li><li>
Perform other duties as assigned by management.</li></ul><p><b><br>
Minimum Education &amp; Experience Requirements:</b></p><ul><li>
Bachelor&rsquo;s Degree with Juris Doctorate required.</li><li>
7+ years of title insurance underwriting experience and real estate transactional background.</li><li>
Ability to travel up to approximately 30%.
</li><li>Supervisory responsibilities.</li><li>
Continuing legal education requirements. Member of Bar Association and license to practice law in at least one primary assigned state and willingness to secure license in additional states as warranted by corporate growth.</li><li>
Account base is concentrated in a regional or state footprint.
</li><li>Maintain flexible hours and work location.</li><li>
Knowledge and familiarity of real estate law.</li><li>
Knowledge of state specific real estate and title insurance law in assigned account base region.</li><li>
Strong understanding of fundamental concepts, practices and procedures of real estate title and settlement process. General knowledge of Federal and State regulations related to real estate title insurance and settlement services.</li><li>
Understanding of underwriting real estate transactions for the issuance of title insurance policies. Ability to collaborate and act decisively.
</li><li>Knowledge of management principles and techniques with business and leadership skills.</li><li>
Excellent communication, presentation, and negotiation skills.</li><li>
Strong organizational skills with the ability to multi-task, prioritize and timely follow up.
</li><li>Attention to detail and accuracy.</li></ul><p><br>
Our commitment to your success is enhanced by our competitive salary and comprehensive benefits package including paid time off, medical, dental, vision, 401(k) and disability benefits. We work to maintain a positive environment for our employees, where people can learn and grow with the company. Essent is an Equal Opportunity Employer.</p></div><p></p>

Senior Underwriting Counsel (Central Region)

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