loan underwriter

Guild Mortgage Company LLC

<div><p><b>Guild Mortgage Company</b>, 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.</p>
<p>
Position Summary</p>
<p>
The Underwriter III plays an important role in the organization by performing a number of activities related to the company&rsquo;s retail operations functions. The role is primarily responsible, under intermittent to infrequent supervision, for underwriting specialty loans such as jumbo and renovation as well as 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 &ldquo;go to&rdquo; subject matter expert when the Lead/Supervisor/Manager is not available.</p>
<p>
Essential Functions</p>
<ul>
<li>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.</li>
<li>Analyze customer&rsquo;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.</li>
<li>Review appraisals to ensure that loans meet secondary market, investor, and company standards.</li>
<li>Work with Loan Processors and Loan Officers on collecting information and documentation necessary to finalize incomplete loan packages.</li>
<li>Determine if additional documentation or information would aid loan decision; request additional documentation or information accordingly.</li>
<li>Provide options and recommendations to borrowers regarding suitable loan programs.</li>
<li>Stay abreast of current regulations and industry trends that affect compliance and decision-making.</li>
<li>Verify that system input is accurate and that company systems match Automated Underwriting System (AUS).</li>
<li>Use expertise to answer questions and resolve escalated issues from junior-level teammates.</li>
<li>Perform other duties as assigned.</li>
</ul>
<p>Qualifications</p>
<ul>
<li>High school diploma or equivalent required; college courses/technical training related to Business, Finance/Accounting, Legal, or related field is preferred</li>
<li>Total recent work experience that includes eight or more years as an underwriter preferably with three years of specialty experience such as jumbo and renovation loans.</li>
<li>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.</li>
<li>Expert-level knowledge of overall mortgage lending processes, including underwriting, funding, and loan processing.</li>
<li>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.).</li>
<li>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.</li>
<li>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.</li>
<li>Ability to prioritize multiple tasks in a deadline-driven environment; strong sense of urgency and responsiveness.</li>
<li>Intermediate math skills.</li>
<li>Strong verbal and written communication skills.</li>
<li>Strong detail orientation and highly organized.</li>
<li>Prior experience using internal data entry systems, Microsoft Word, Excel and PDF/Document Retention programs.</li>
</ul>
<p>Supervision</p>
<ul>
<li>Intermittent to infrequent supervision required, depending on experience</li>
<li>Moderate to high levels of independent judgment and discretion required; resolves escalated issues of high complexity</li>
<li>May provide guidance to less experienced teammates</li>
</ul>
<p>Requirements</p>
<ul>
<li><p>Physical: Work is primarily sedentary; occasionally walks and/or stands.</p>
</li>
<li><p>Manual Dexterity: Frequent use of computer keyboard and mouse.</p>
</li>
<li><p>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.</p>
</li>
<li>Environmental: Office environment &ndash; no substantial exposure to adverse environmental conditions.</li>
<li>Prior jumbo or Non-QM experience required.</li></ul><br>
<p></p>
<p>
Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&amp;D, LTD and 401(k) with employer match.</p>
<p>
Guild Mortgage Company is an Equal Opportunity Employer.</p>
<p>
This position offers eligibility for incentive compensation.</p>
<p>
Compensation at Guild is influenced by a wide array of factors including but not limited to local and federal minimum wage requirements, education, level of experience, and applicant&rsquo;s geographical location.</p></div>

Underwriter III, Specialty Loans

Sikorsky Financial Credit Union

<div><p><b>Why Join the Sikorsky Credit Union Team?</b><br>
<i>Sikorsky Credit Union has been named the #1 Credit Union in Connecticut for 6 years in a row. We are one of the largest credit unions in the state, with over $1 billion in assets, and we continue to grow!</i></p><p><i>
If you are passionate about helping people achieve their financial goals and want to make a difference in the local community, we want to hear from you! We are looking for talented people to help us improve the banking experience for our valued members.</i></p><p><i>
Working at Sikorsky Credit Union has its benefits. You&rsquo;ll enjoy an awesome work-life balance, competitive pay, and an excellent benefits package that includes paid-time off, medical/dental, 401K plan with company match, tuition reimbursement and more! Please check out the details below to learn more about this position.</i></p><p><b>
General Summary:</b></p><div>
The Consumer Lending Underwriter is responsible for underwriting secured and unsecured consumer loans in accordance with credit union underwriting standards and product guidelines.</div><div></div><div><b><br>
Key Essential Responsibilities:</b></div><ul><li>
Effectively manages assigned pipeline within loan origination system (LOS). Completes all tasks in LOS queues to ensure a high level of service is provided to Digital, Branch, and Indirect lending business lines.</li><li>
Approves or denies auto loans (direct and indirect), personal loans, and credit cards up to designated lending authority.</li><li>
Ensures that consumer loan applications are underwritten and processed consistent with company guidelines, policies, and procedures to protect the credit union&rsquo;s loan portfolio.</li><li>
Communicates loan decisions to production team. Explores opportunities to assist credit union members or staff by recommending available products or services to meet member needs.
</li><li>Mitigates risk for the credit union by exercising sound judgment during credit application evaluations.</li><li>
Promotes and maintains a positive work atmosphere by communicating in a manner consistent with professional standards to work effectively with members, co-workers, management and vendors.</li><li>
Keeps abreast of industry developments including, but not limited to changes in regulations and technology.</li><li>
Ensures adherence to company policies and procedures and banking/credit union regulations.</li><li>
Performs additional duties as required.</li></ul><div></div><div><b><br>
Essential Skills, Knowledge and Requirements:</b></div><ul><li>
High school diploma or equivalent. Associate&rsquo;s degree or relevant business coursework<br>
 preferred. Will consider experience in lieu of degree.</li><li>
Three years&rsquo; experience in retail banking, mortgage or consumer lending, or loan origination. Experience working as an underwriter (1 year) or within loan fulfillment team (processing, closing, funding).</li><li>
General knowledge of consumer loan products, features, and benefits. Knowledge of<br>
 consumer loan pricing, policies and procedures a plus. Working knowledge of consumer finance.</li><li>
Excellent organizational, problem solving, communication and time management skills. Ability to effectively multi-task.</li><li>
Familiarity with core banking and LOS systems (Fiserv DNA, CUDL/L360).</li><li>
Proficient in <i>Microsoft Office</i> applications.</li></ul><p><b><i>
Sikorsky Credit Union is an equal opportunity employer that is proud of its commitment to diversity and inclusion. Therefore, we welcome applicants from all communities, including age, color, ethnicity, familial or marital status, gender identity or expression, language, national origin, physical or mental disability, military or veteran status, race, religion, sexual orientation, and socioeconomic background.</i></b></p></div>

Consumer Lending Underwriter

LBC Mortgage

<div>
 <strong>
  About LBC Mortgage
  <br/>
  <br/>
 </strong>
 At LBC Mortgage, we are committed to delivering exceptional lending solutions and personalized service to our clients. As we continue to grow, we are looking for an experienced and detail-oriented Commercial Mortgage Underwriter to join our team.
 <br/>
 <br/>
 <strong>
  Position Overview
  <br/>
  <br/>
 </strong>
 The Commercial Mortgage Underwriter will be responsible for analyzing and evaluating commercial loan applications, assessing financial risk, and ensuring compliance with company and investor guidelines. The ideal candidate has strong experience in commercial lending, excellent analytical skills, and the ability to work efficiently in a fast-paced environment.
 <br/>
 <br/>
 <strong>
  Responsibilities
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Review and analyze commercial mortgage loan applications and supporting documentation
  </li>
  <li>
   Assess borrower creditworthiness, financial statements, tax returns, cash flow, and collateral
  </li>
  <li>
   Perform risk analysis and make sound underwriting decisions
  </li>
  <li>
   Ensure loans meet internal policies, investor requirements, and regulatory guidelines
  </li>
  <li>
   Work closely with loan officers, processors, and management throughout the loan process
  </li>
  <li>
   Prepare clear and detailed underwriting summaries and recommendations
  </li>
  <li>
   Identify potential risks and propose mitigating solutions
  </li>
  <li>
   Maintain strong communication with all parties involved in the transaction
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Qualifications
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Minimum 2+ years of commercial underwriting experience
  </li>
  <li>
   Strong understanding of commercial real estate lending and underwriting guidelines
  </li>
  <li>
   Ability to analyze complex financial documents and credit profiles
  </li>
  <li>
   Excellent attention to detail and organizational skills
  </li>
  <li>
   Strong communication and problem-solving abilities
  </li>
  <li>
   Ability to manage multiple files and deadlines simultaneously
  </li>
  <li>
   Experience with residential mortgage underwriting is a plus
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  What We Offer
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Competitive compensation
  </li>
  <li>
   Career growth opportunities
  </li>
  <li>
   Supportive and professional work environment
  </li>
  <li>
   Opportunity to work with a growing and dynamic team
   <br/>
   <br/>
  </li>
 </ul>
 If you are a motivated professional with commercial underwriting experience and a passion for the mortgage industry, we would love to hear from you.
</div>


Underwriter

CrossCountry Mortgage, LLC

<div><p>CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture.</p><p></p><p><b>
A culture where you can grow! </b>CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You&rsquo;ll get unwavering support from all departments and total transparency from the top down.</p><p></p><p>
CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.</p><p></p><p><b>
About Valere Commercial:</b></p><p>
Part of the CrossCountry family of companies, Valere Commercial is a private real estate lender built for the modern investor. We offer flexible, fast, and scalable lending solutions backed by strong capital and a commitment to long-term client success. Our platform is designed to support real estate entrepreneurs - not just for one deal, but across their entire investment journey. You&rsquo;ll be part of a company that&rsquo;s agile, well-capitalized, and built to scale. We move fast, think big, and empower our team to do the same.</p><p></p><p>
Valere Commercial&rsquo;s core focus is on business purpose loans, including but not limited to the following products: investor bridge, fix-and-flip, ground-up construction (1-4 family and multi-family), multi-family term, cross-collateralized, and builder finance.</p><p></p><p><b>
Position Overview:</b></p><p>
The BPL Underwriter is an experienced mortgage professional specializing in complex transactions including fix and flip, multifamily, senior bridge, and construction loans. This role demonstrates skill in structuring deals, analyzing financial and property valuations, and ensuring compliance with company policies and regulatory standards. The BPL Underwriter collaborates cross-functionally with production, closing, and legal teams to deliver tailored lending solutions and drive successful loan execution.</p><p></p><p><b>
Job Responsibilities:</b></p><ul><li>
Lead the underwriting process while managing deal timelines, developing credit recommendations, and ensuring compliance with company policies.</li><li>
Work directly with production teams to develop loan structures that will meet clients&rsquo; financial objectives; develop and maintain strong relationships with production and closing departments.</li><li>
Prepare underwriting narratives and independent cash flow estimates, focusing on large, complex transactions, including multifamily, senior bridge and construction loan deals.</li><li>
Evaluate the market competitiveness of the proposed collateral and determine the economic feasibility of transactions; conduct detailed economic and market research.</li><li>
Model and review cash flows, financial statements, and analyze property valuations.</li><li>
Review third party reports from vendors such as appraisers, surveyors, and engineers to ensure compliance with all requirements.</li><li>
Collaborate with loan officers, loan closers, and legal counsel to move loan requests through the approval and closing process.</li><li>
Conduct and participate in customer meetings and conference calls.</li><li>
Present recommendations to the appropriate levels, including all key documentation. (term sheets, applications, commitments, credit memos, etc.)</li><li>
Crosstrain across Valere&rsquo;s various products and exit strategies to cultivate ability to underwrite a variety of deal types.</li></ul><p></p><p><b>
Qualifications and</b><b> Skills:</b></p><ul><li>
Bachelor&rsquo;s Degree in Statistics, Business, Finance, Accounting or Economics, preferred.</li><li>
5+ years of experience underwriting Single, Multifamily and Commercial Real Estate Loans; experience with building or utilizing cash flow model technologies, preferred.</li><li>
Completion of a formal commercial loan underwriting training program (Ex. Omega), preferred.</li><li>
Experienced in high-volume environments, efficiently managing assignments to consistently meet deadlines.</li><li>
Skilled in prioritizing tasks and avoiding distractions to meet deadlines without direct supervision in a remote work environment.</li><li>
Experience with Moody&rsquo;s Credit Lens, preferred.</li><li>
Advanced knowledge of commercial real estate underwriting, including the development of cash flow forecasts and pricing metrics.</li><li>
Excellent oral and written communication skills.</li><li>
Proficient in Microsoft Office Suite.</li><li>
Ability to travel as needed to execute the expectations of the role.</li></ul><p></p><p>
This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position.</p><p></p><p><b>
Pay Range:</b>
</p><ul><li>Hourly Rate: $48.08-$57.69</li><li>
Bonus: Eligible for discretionary bonus incentive.</li></ul><p><i>
The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position</i></p><p></p><div><p>
CrossCountry Mortgage, LLC offers <b>MORE</b> than a job, we offer a career. Apply now to begin your path to success! careersatccm.com</p><p><br>
CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: https://mycrosscountrybenefits.com</p><p></p><p><b>
California residents:</b> Please see CrossCountry&rsquo;s privacy statement for information about how CrossCountry collects and uses personal information about California applicants.</p><p><b><br>
CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual&rsquo;s association with a member of a protected group or any other characteristic protected by federal, state, or local law (&ldquo;Protected Characteristics&rdquo;).</b> <b>The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion.</b></p><p><b><br>
CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit </b><b>www.NMLSConsumerAccess.org</b><b>.</b></p></div></div>

BPL Underwriter - Valere Commercial

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>2000 Westinghouse, PA
</div></div><div><div>Remote?
</div><div>No
</div></div><div><div>Ref #
</div><div>22092
</div></div><div><div>Posted Date
</div><div>04-13-26
</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>Location: in-office role in Cranberry Township, PA</p><ul><li>Shifts can vary. Late shift is 10AM - 7PM (can work remote when scheduled this shift).</li></ul><p>
For over 100 years we&rsquo;ve helped dealers serve their customers by providing the best-in-class products and services they need &ndash; and by remaining true to the automotive passion we share. Take the wheel on your career and join a team that is dedicated to providing world class support to our customers as they look to purchase and lease vehicles. We are problem solvers, we value diverse thinking, we support one another, and we challenge ourselves to think bigger in the journey to deliver customer-obsessed auto finance products and solutions. An Associate Consumer Underwriter &ndash; Auto Finance evaluates, negotiates, and decisions consumer offerings within Ally&rsquo;s underwriting policies to further grow application and contract volume. They build and maintain a portfolio of dealers and provide best-in-class relationship management for their assigned territories as a crucial part of the Ally Auto framework.</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>Increase dealer portfolio revenue by practicing sound underwriting judgment and upholding Ally&rsquo;s risk management principles</li>
<li>Leverage high-touch and high-tech capabilities to negotiate contracts</li>
<li>Demonstrate market awareness, strong listening, and adaptability as you build and cultivate strong relationships with dealers</li>
<li>Requires flexibility in work schedule; evening hours, limited travel, and weekends required</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><h3 class="jobSectionHeader"><b>Minimum Qualifications</b></h3>
<ul><li>0+ years of experience</li>
<li>High school Diploma or GED equivalent</li>
</ul><h3 class="jobSectionHeader"><b>Preferred Qualifications</b></h3>
<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><br>
</ul><div></div><br>
<div>#DFS</div>
</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>: $47840 - $75000 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>

Associate Consumer Underwriter

Mercury Insurance Company

<div>Overview:
<p><b>
Position Summary:</b><br>
We are seeking an experienced Commercial Underwriter with 2-4+ years of strong Contractor and Construction underwriting expertise. Requires strong teamwork, collaboration, customer service and problem solving skills, and is results oriented. Contractor/Construction underwriting experience preferred.</p><br>
Geo-Salary Information:
<div><b><i>
An in-person interview may be required during the hiring process</i></b></div><div></div><div><br>
State specific pay scales for this role are as follows:</div><div>
$56,701 to $102,219 (CA, NJ, NY, WA, HI, AK, MD, CT, RI, MA)</div><div>
$51,546 to $92,927 (NV, OR, AZ, CO, WY, TX, ND, MN, MO, IL, WI, FL, GA, MI, OH, VA, PA, DE, VT, NH, ME)</div><div>
$46,392 to $83,634 (UT, ID, MT, NM, SD, NE, KS, OK, IA, AR, LA, MS, AL, TN, KY, IN, SC, NC, WV)</div><div></div><div><br>
The expected base salary for this position will vary depending on a number of factors, including relevant experience, skills and location.</div>
Responsibilities:
<p><b>
Essential Job Functions:</b></p><div><ul><li><br>
Evaluates, accepts, rejects or modifies new and renewal accounts within the established underwriting guidelines. Handle and make rapid decisions and problem solving on commercial risks.
</li><li>Reviews and evaluates property inspections and makes the necessary recommendations for risk improvement. Review property valuation reports, fire brush reports and other related underwriting reports to determine acceptability and needs to modify account.
</li><li>Reviews and processes endorsements and cancellations within limits of authority and according to established guidelines.</li><li>Accompanies Marketing and meet with existing and potential agents to develop relationships and generate additional business.</li><li>Communicates effectively with colleagues in underwriting and all support areas in order to meet the insurance needs of customers.</li><li>Evaluates and processes reinsurance placements.</li></ul></div><p>
-Must be available for standard work hours Monday - Friday 8am-5pm PT</p>
Qualifications:
<div><b>
Education:</b><br>
<ul><li>Bachelor&rsquo;s degree preferred</li><li>AU, AINS and/or CPCU desired</li></ul><br>
<b>
Experience:</b><br>
<ul><li>2-4 years of Underwriting experience - Contractor/Construction underwriting experience preferred</li><li>Or equivalent combination of education/experience</li></ul></div><br>
<p></p>
About the Company:
<div><b><i>
Why choose a career at Mercury?</i></b></div><div>
At Mercury, we have been guided by our purpose to help people reduce risk and overcome unexpected events for more than 60 years. We are one team with a common goal to help others. Everyone needs insurance and we can&rsquo;t imagine a world without it.</div><div>
Our team will encourage you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member. We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life.</div><div>
We care about our people, and we mean it. We reward our talented professionals with a competitive salary, bonus potential, and a variety of benefits to help our team members reach their health, retirement, and professional goals.</div><div></div><div><br>
Learn more about us here: https://www.mercuryinsurance.com/about/careers</div>
Perks and Benefits:
<div><b><i>
We offer many great benefits, including:</i></b></div><ul><li>
Competitive compensation</li><li>
Flexibility to work from anywhere in the United States for most positions</li><li>
Paid time off (vacation time, sick time, 9 paid Company holidays, volunteer hours)</li><li>
Incentive bonus programs (potential for holiday bonus, referral bonus, and performance-based bonus)</li><li>
Medical, dental, vision, life, and pet insurance</li><li>
401 (k) retirement savings plan with company match</li><li>
Engaging work environment</li><li>
Promotional opportunities</li><li>
Education assistance</li><li>
Professional and personal development opportunities</li><li>
Company recognition program</li><li>
Health and wellbeing resources, including free mental wellbeing therapy/coaching sessions, child and eldercare resources, and more</li></ul><div>
Mercury Insurance is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by federal, state, or local law.</div>
Pay Range: USD $56,701.00 - USD $102,219.00 /Yr.</div>

Commercial Underwriter II

Central Bank

<div><p>Originate real estate loans in accordance with Federal guidelines and established lending objectives, policies and procedures.
</p><p>Establish and maintain positive relationships with existing and potential customers.
</p><p>Contact bank provided leads within a timely manner and as directed by supervisor, and also promotes and develops relationships with referral sources such as realtors, builders, attorneys, and other affinity groups to generate additional mortgage leads.
</p><p>Interview applicants and request appropriate credit documentation and specified information for loan application.
</p><p>Analyze applicant's financial status, credit and proposed property transaction to determine feasibility of granting loan.
</p><p>Compile upfront compliance information and assure timeline requirements are met.
</p><p>Answer applicant questions. Correspond with applicant to resolve questions regarding application information.
</p><p>Match applicant's needs and qualifications with potential loan programs. Ensure loan meets selected program guidelines.
</p><p>Submit loan package to Processor for processing in a timely manner.
</p><p>Work closely with loan processor to assure loan is handled in a timely and efficient manner in accordance with company policies and guidelines.
</p><p>Inform applicants of loan approval, denial or outstanding conditions.
</p><p>Handle correspondence with applicant in regards to locking of loan and handles actual locking process in accordance with current company procedures and requirements.
</p><p>Provide excellent customer service and solves customer related problems quickly.
</p><p>Maintain and enhance market awareness including economic information, housing data and competitive trends; based on this information, helps develop programs or recommends product enhancement to address customer needs.
</p><p>Maintain and enhance personal knowledge of products and services as well as the laws, regulations and internal policies and procedures appropriate to the position.
</p><p>Establish and maintain positive working relationships with Realtors, Business Partners and any other potential business sources.
</p><p>Support and cultivate bank referrals and relationships.
</p><p>Communicate with all mortgage operations staff, along with others in the bank, by always projecting a positive, professional image.
</p><p>Perform other duties when assigned.</p><br>
<p>
</p><p></p><p><b>NOTE: Position can work remote with possible hybrid schedule required in the future</b></p>
Requirements:
<p>High School Diploma and commitment to continuing job related course work.
</p><p>Two (2) years of loan originating with proven ability to support a pipeline of 10+ loan applications per month.</p>
<p>
Working knowledge of prequalification principles and practices OR two (2) years of originating experience.
</p><p>Strong sales skills.
</p><p>Basic computer knowledge including Encompass, Microsoft Word, Excel, and a general understanding of the Internet.
</p><p>Basic math ability.</p>
<p>
Basic accounting/bookkeeping skills.
</p><p>Ability to use a financial calculator.
</p><p>Must be detail oriented; have the ability to prioritize.</p>
<p>
Possess solid organizational and time management skills; and have solid problem solving and decision making skills.
</p><p>Solid written and verbal communication skills are a must.
</p><p>Must be able to work independently and handle multiple priorities under deadline pressures and time restraints.
</p><p>Must strive for and consistently achieve customer satisfaction.</p></div>

Consumer Direct Loan Originator

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