senior underwriter

University Federal Credit Union

<div><p><b>Senior Mortgage Loan Underwriter</b></p>
<p><b>
Job Summary</b></p>
<p>
The Mortgage Loan Underwriter performs appropriate mortgage loan risk assessments to ultimately ensure the origination of an investment quality loan product. This role conducts a thorough evaluation of loan files to ensure they meet minimum requirements of the loan program, laws, regulations, policies, and procedures.</p>
<p>
The Mortgage Underwriter reports to the Manager, Mortgage Underwriter.</p>
<p><b>
About UFCU</b></p>
<p>
Our Credit Union was founded in 1936 and has grown to serve members throughout Texas and beyond. At UFCU, we are more than just a financial institution, and our people are more than just employees. We are dedicated to our purpose of <b>empowering our Members to achieve financial success and build brighter futures</b>.<br>
<br>
<br>
</p><p>In pursuit of our aspiration that <b>UFCU is</b> <b>loved by millions of Members and built to thrive for generations</b>, we are guided by our values:</p>
<p><b>
Purposefully Member-Obsessed</b></p>
<p>
We are driven by a profound sense of empathy to deeply understand our Members&rsquo; needs and preferences, what brighter futures means to them, and the obstacles in their way. We act in our Members&rsquo; best interests, forever seeking to empower their financial success.</p>
<p><b>
Possibilities Reimagined</b></p>
<p>
We are inspired to courageously experiment, learn, and iterate in pursuit of positive impact for our Members, UFCU, and coworkers. We challenge assumptions, embrace diverse perspectives, and make use of data and insights.</p>
<p><b>
Performance Excellence Rooted in Unwavering Integrity</b></p>
<p>
We do the right thing, always. We champion teamwork, accountability, continuous improvement, and celebrate successful outcomes of others, fostering an inclusive environment of excellence and collaboration.</p>
<p><b>
Essential Functions</b></p>
<ul>
<li>Manages mortgage loan pipeline in accordance with departmental processes and expectations</li>
<li>Determines compliance with:</li>
<li>Loan program guidelines</li>
<li>Federal, state, or local government guidelines, and regulations</li>
<li>Internal policies and procedures</li>
<li>Department compliance and quality control monitoring</li>
<li>Assists mortgage production and origination team in qualifying loans and answering questions</li>
<li>Maintains collaborative working relationships with all partners throughout the loan process</li>
<li>Determines and recommends alternative loan terms or products as appropriate</li>
<li>Keeps current on all internal policies and procedures, state and federal regulations, and coordinates with management to address any changes as needed</li>
<li>Responds timely to all post funding audits, investor suspense, and other quality issues</li>
<li>Assists with timely and accurate regulatory reporting requirements</li>
<li>Supports all departmental areas and actively participates in departmental and organizational meetings</li></ul><br>
<p></p>
<p><b>
Other</b></p>
<ul>
<li>Adheres to all company policies, procedures and business ethics codes</li>
<li>Completes required regulatory training as assigned.</li>
<li>Maintain strict adherence and compliance to all laws, rules, regulations and internal controls specific to your role, including but not limited to Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC and Fair Lending regulations.</li></ul><br>
<p></p>
<p><b>
Knowledge/Skills/Abilities</b>
</p><p>Knowledge</p>
<ul>
<li>Thorough knowledge and experience in underwriting conforming loan products</li>
<li>Extensive knowledge of primary Automated Underwriting Systems</li>
<li>Strong knowledge of mortgage lending compliance and regulations</li></ul><br>
<p></p>
<p>
Skills</p>
<ul>
<li>Strong analytical, documentation, organizational and time management skills with ability to multi-task in a deadline-driven environment</li>
<li>Excellent interpersonal, written and verbal communication skills</li></ul><br>
<p></p>
<p>
Abilities</p>
<ul>
<li>Ability to efficiently work both independently and in a team environment</li>
<li>Strong ability to effectively manage daily workload to meet or exceed service levels</li>
<li>Ability to exhibit adaptability to effectively adjust to frequent changes</li>
<li>Ability to be solution-oriented and an innovative problem solver</li></ul><br>
<p></p>
<p><b>
Competencies</b></p>
<ul>
<li>Demonstrating Member Obsession</li>
</ul><ul><li>Puts themselves in the Member&rsquo;s shoes</li>
<li>Looks for friction points</li>
<li>Makes it personalized and easy</li>
</ul><ul><li>Demonstrating Performance Excellence</li>
</ul><ul><li>Sets standards for elevating excellence</li>
<li>Ensures elevated quality</li>
<li>Takes responsibility</li>
<li>Conducts continuous improvement</li>
</ul><ul><li>Demonstrating Innovation</li>
</ul><ul><li>Challenges current thinking</li>
<li>Approaches change with a positive mindset</li></ul><br>
<p></p>
<p><b>
Experience</b></p>
<p><b>
Minimum Requirements
</b></p><ul><li>Seven (7) years in mortgage lending operations underwriting loans</li>
<li>Strong experience analyzing and evaluating documentation provided to ensure quality, completeness, qualifying eligibility, and compliance. This includes thorough analysis of:</li>
<li>Credit history</li>
<li>Qualifying income</li>
<li>Assets</li>
<li>Collateral, including property-type requirements (e.g. condominium, PUD)</li>
<li>Title and Survey</li>
<li>Insurance</li>
<li>Disclosures</li>
<li>Specific program requirements</li>
<li>Experience in reviewing complex income scenarios for self-employed borrowers</li>
<li>Experience in working with Encompass LOS</li>
<li>Must be bondable</li>
<li>Underwriting experience or designations for:</li>
<li>Direct Endorsement / FHA loans</li>
<li>VA SAR / LAPP / Veterans Administration loans</li>
<li>USDA</li>
<li>Non-conforming products</li>
<li>Non-QM products</li>
<li>Renovation and Construction Lending</li>
<li>MCC, DPA, Bond programs</li></ul><br>
<p></p>
<p><b>
Physical Demands</b></p>
<p>
The physical demands described are representative of those that must be met by an employee, with or without accommodation, in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</p>
<p>
Frequent</p>
<ul>
<li>While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear.</li>
<li>Specific vision abilities required by this job include close vision, distance vision, peripheral vision and ability to adjust focus.</li>
<li>Employee will make extensive use of the telephone and virtual communications requiring the ability to explain complex information effectively and accurately.</li></ul><br>
<p></p>
<p><b>
Work Environment</b></p>
<p>
The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job.</p>
<ul>
<li>This position requires frequently working onsite at UFCU Plaza in Austin, Texas.</li>
<li>This position may involve periodic stressful conditions.</li>
<li>May occasionally require an adjusted work schedule, overtime, and evening/weekend hours.</li>
<li>Frequent computer use at a workstation up to two hours at a time.</li>
<li>The noise level in the work environment is usually moderate</li></ul></div><p></p>

Senior Mortgage Underwriter

Live Oak Bank

<div><div>About Us</div><div><div><div><div><div>
Live Oak Bank is a digital bank that serves small business owners across the country. Our groundbreaking spin on service and technology has fueled our mission to be America&rsquo;s Small Business Bank. Our products help customers buy, build, and expand their business, and our high-yield savings and CD products help them grow their hard-earned money. At Live Oak, we never lose sight of the well-being of our people. We believe our employees are the heart of our company. Our commitment to our customers and culture is intertwined, and we seek those who embody and embrace what it takes to empower the American dream.</div></div></div></div></div><div></div><div>
How This Role Impacts Live Oak and its People</div><div>
The Senior Commercial Underwriter, as a member of Live Oak Bank&rsquo;s (CRE, Renewable Energy) team, will lead the evaluation, underwriting, and closing of commercial real estate loans. The Senior Commercial Underwriter will coordinate and/or perform market research, due diligence, financial models and analysis, credit presentations, legal documentation review, and other projects through the entire loan process. The Senior Commercial Underwriter will work with other support functions across the bank to ensure execution of loan production pipelines while delivering top quality customer service to sophisticated (Institutional and High Net Worth) Borrowers.</div><div></div><div><br>
Job Responsibilities</div><ul><li><div>
Support the (CRE, Renewable Energy) team by analyzing and underwriting new loan transactions with a focus on the Solar asset class, with opportunity to cross train on other (CRE, Renewable Energy) asset classes over time (Hospitality, Multifamily, etc.)</div></li><li><div>
Preparation of pre-screen memos, final credit memos, and other analysis for new transactions</div></li><li><div>
Assist in the entire Loan Production process with increasing exposure and responsibility over time</div></li><li><div>
Lead, coordinate, or contribute to special projects, audits, quarterly portfolio reviews, and other ad hoc duties</div></li><li><div>
Serve as a knowledgeable resource in the (Seniors Housing, Solar) industry and develop industry relationships</div></li><li><div>
Be capable of leading all aspects of the transaction, and will execute with support from team members, including:</div><ul><li><div>
Analysis of market and demographic trends</div></li><li><div>
Loan structuring</div></li><li><div>
Review and analysis of due diligence items and reports</div></li><li><div>
Financial spreads and proforma model analysis</div></li><li><div>
Credit presentations</div></li><li><div>
Legal documentation review and negotiation</div></li><li><div>
Maintaining familiarity with applicable systems and ensuring accurate information for team and other departments</div></li></ul></li><li><div>
Interact with other Underwriters, Portfolio Analysts &amp; Managers, Senior Loan Officers, Managing Directors, Construction Team, Loan Operations, Closing, and other departments within the bank</div></li><li><div>
Often work as part of a team in partnership with both junior underwriters and underwriting managers</div></li><li><div>
Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC</div></li></ul><div></div><div><br>
Required Experience</div><ul><li><div>
Bachelor&rsquo;s degree in business or finance and 5+ years of relevant experience</div></li><li><div>
Strong knowledge of credit analysis, spreading and analyzing financial statements, risk analysis, credit scoring, loan documentation, etc.</div></li><li><div>
Strong Excel and modeling skills</div></li><li><div>
Strong working knowledge of banking products, services, policies, procedures and regulations</div></li><li><div>
Excellent organizational skills with ability to prioritize and manage multiple workstreams and shifting priorities</div></li><li><div>
Excellent internal and external customer service and relationship management skills, with ability to maintain effective working relationships with all levels of bank personnel</div></li></ul><div></div><div>
Preferred Experience</div><ul><li><div>
5+ years of CRE underwriting experience and/or real estate or specific background</div></li><li><div>
Ability to take on special assignments on an as-needed, ad-hoc basis</div></li><li><div>
Excellent written and verbal communication skills</div></li><li><div>
Willingness to coach and mentor junior underwriters</div></li><li><div>
Motivated self-starter</div></li></ul><div></div><div>
Our Values</div><ul><li><div>
Dedication: Possess a deep commitment to Live Oak Bank&rsquo;s mission and core values, exemplified through a strong work ethic, adaptability and pride in your work.</div></li><li><div>
Ownership: Take initiative to deliver positive results by proactively and creatively solving problems, while maintaining a high degree of quality.</div></li><li><div>
Respect: Treat everyone with courtesy, politeness, and kindness.</div></li><li><div>
Innovation: Embrace fresh ideas and fearlessly contribute new solutions to emerging or existing problems.</div></li><li><div>
Teamwork: Foster collaboration, accountability, and trust with others and understand that together, we do more</div></li></ul><div></div><div>
For a detailed overview of our employee benefits please visit: <div>http://www.liveoakbank.com/careers/</div></div><div></div><div>
Live Oak Bank is an Affirmative Action and Equal Opportunity Employer, Minorities/Women/Veterans/Disabled. We consider applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, veteran status or disability. Equal access to programs, service and employment is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify human resources at <div>HumanResources@liveoak.bank</div>.</div><div><div>
EEO is the Law</div></div><div></div>
The base pay range for this position is $113,080.00 - $154,200.00 per year. Compensation may also include annual bonuses and long-term incentives, subject to various metrics and company policy. A candidate&rsquo;s salary is determined by several factors including travel, relevant work experience or skills and expertise.<div></div><div>
Please note that we provide at least the minimum requirement of paid sick leave to our employees who reside in states that require employer-paid sick leave, including but not limited to Arizona, California, Colorado, District of Columbia, Maine, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New Mexico, New York, Oregon, Rhode Island, Vermont, and Washington.</div></div>

Senior Commercial Underwriter, Renewable Energy

Burns & Wilcox

<div>:<div></div><div><br>
When someone needs coverage for the unique, the unusual, or the unconventional, they come to Burns &amp; Wilcox. Burns &amp; Wilcox offers unparalleled resources and exposure for those looking to grow their career in the specialty insurance industry. We are looking for candidates with an entrepreneurial spirit, drive for career advancement and desire to develop relationships to join our team as an Associate Underwriter. Our Associate Underwriters underwrite and supervise a portion of an Underwriter&rsquo;s book of business, support renewal and new business development, and have the opportunity to achieve full underwriting authority.</div><br>
<div></div>
Responsibilities:
<ul><li>Service a book of business under the direct supervision of an underwriter</li><li>
Evaluate, classify, and rate each risk to determine acceptability, coverage, and pricing to prepare quotes</li><li>
Log applications, prepare binders, and process policies and endorsements</li><li>
Bind risk, post the invoice, and process technical data</li><li>
Screen renewal applications and send out renewal letters; perform some of the underwriting and prepare quotes for underwriter approval</li><li>
Assist with new business development</li><li>
Order and follow up on inspections, plus handle endorsement requests and referrals for the underwriter</li><li>
Manage relationships with retail agents and follow up on any outstanding information needed to complete the underwriting file</li></ul>
Qualifications:
<ul><li>Bachelor&rsquo;s degree or equivalent combination of education and experience</li><li>
2+ years of Underwriting support or industry experience with excess and surplus lines is preferred</li><li>
Demonstrated proficiency and previous experience in sales and marketing is preferred</li><li>
Proven organization skills and ability with a strong attention to detail</li><li>
Interest in continued education and professional development to obtain full underwriting authority</li><li>
Technologically savvy and data driven</li></ul><div><b>
Benefits:</b></div><ul><li>
Competitive base compensation</li><li>
Employer paid continuing education courses and designations via access to Kaufman Institute</li><li>
Health and welfare benefits including medical, vision and dental</li><li>
401K with employer match</li><li>
Paid vacation, sick time, and holidays</li><li>
Access to Kaufman Wellness Program</li><li>
Flexible and hybrid work options</li></ul>
About Our Company:
<div>
Burns &amp; Wilcox, the flagship organization of H.W. Kaufman Group, is North America&rsquo;s leading wholesale insurance broker and underwriting manager. Burns &amp; Wilcox offers wide ranging and comprehensive solutions to serve retail insurance brokers and agents of all sizes, from the large houses to the more than 30,000 independent brokers and agents worldwide. Fueled by its freedom from Wall Street and private equity, Burns &amp; Wilcox is a privately owned company whose standards of service, depth of market relationships and outstanding talent are unsurpassed in the specialty insurance sector.</div><div></div><div><b><br>
Equal Opportunity Employer</b></div><div>
The H.W. Kaufman Group of companies is an equal opportunity employer. All employment decisions are based on business needs, job requirements and individual qualifications, without regard to race, color, religion, gender, gender identity, age, national origin, disability, veteran status, marital status, pregnancy, sexual orientation, genetic information or any other status or condition protected by the laws or regulations in the locations where we operate.</div><div></div><div><br>
In addition, Kaufman 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.</div><div></div><div><br>
#LI-BM1</div></div>

Associate 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>
Sr. Underwriter Flood<div></div><div><ul><li><br>
 Classification: Exempt/ Full-time</li><li>Reports to: Vice President, Flood</li><li>Travel: 10-25%</li><li>Salary: $125,000.00- 150,000.00</li></ul></div><div>
Location: United States, Remote/Hybrid</div><div><br>
<br>
Role overview:<br>
DUAL North America, Inc. is seeking a Sr. Underwriter to join the Flood team. The Sr. Underwriter is responsible for the day-to-day management of the renewal policies and new business for servicing retail and wholesale segments.<br>
Duties include reviewing and growing the group via submissions, rating, quoting, binding new and renewal business, servicing existing business. From the business side, the individual will be responsible for budgeting, potential carrier / reinsurer negotiations and maintaining the P&amp;L.<br>
Our program operates under underwriting authority agreements with our carrier partners and the underwriter will be familiar with these documents and work within the confines of the agreement. The underwriter will work closely with referral underwriters to underwrite submissions on that fall outside of the authority agreements.</div><div><br>
Role responsibilities:<br>
<ul><li>Direct and supervise underwriting activities as the need arises to produce positive profit and expense results within area of responsibility.</li><li>Develop positive relationships with brokers and effectively articulate DUAL's appetite.</li><li>Solicit, review, and coordinate new business opportunities with brokers</li><li>Underwrite both new and renewal business</li><li>Exhibit high levels of collaboration, leadership, customer service, and persistence</li><li>Provide strong analytical ability and sound judgment to make informed and accurate decisions</li></ul></div><div><br>
New Business:<br>
<ul><li>Analyze new submission submissions for acceptability. Review applications, loss runs, websites, models, etc.</li><li>Communicate declination or need for additional information to broker/agent.</li><li>Determine if accounts are a fit for our in-house authority or if referral is required.</li><li>Complete thorough, accurate, detailed underwriting notes to document the underwriting thought process</li><li>Submit clear, detailed referrals to carrier partners (when required).</li><li>Generate quote documents and send to broker/agent</li><li>Generate binder/invoice documents and send to broker/agent</li><li>Handle post-bind concerns and ongoing account questions and routine service</li><li>Create complete files</li></ul>
Renewal business:<br>
<ul><li>Review renewal accounts 90 days from effective to determine eligibility for renewal</li><li>Solicit renewal information from agent/broker</li><li>Determine if accounts are fit for our in-house authority or if referral is required.</li><li>Complete thorough, accurate, detailed underwriting notes to document the underwriting thought process</li><li>Quote renewal using in-house authority or refer if necessary</li><li>Produce Bind/invoice renewal documents</li><li>Handle post-bind concerns and ongoing account questions and routine service</li></ul></div><div></div><div>
Key requirements:<br>
<ul><li>Bachelor&rsquo;s degree required</li><li>3-5 years&rsquo; experience in property underwriting required, with knowledge of the peril of Flood.</li><li>Strong negotiation and presentation skills</li><li>Self-motivated individual</li><li>Outstanding marketing skills</li><li>Exceptional organizational and time management skills with the ability to perform accurate mathematical calculations.</li><li>Strong collaborative skills in a fast-paced team-centric environment.</li><li>Business development skills evidencing a successful track record driving profitable growth.</li><li>Strong interpersonal, presentation, written and verbal communication skills.</li><li>The ability to demonstrate critical thinking, decision making, and problem-solving skills.</li><li>The ability to travel a minimum of 25% of the time is anticipated.</li><li>Continuing education, professional designations, or related P&amp;C licensing in insurance underwriting are preferred.</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><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>

Sr. Underwriter Flood

Brotherhood Mutual Insurance Company

<div><p><b>Job Title:</b> Assistant Underwriter</p>
<p><b>
FLSA Status:</b> Non-Exempt</p>
<p><b>
Job Family:</b> Underwriting</p>
<p><b>
Department:</b> UW - Data &amp; Quality</p>
<p><b>
Location:</b> Corporate Office (Fort Wayne, IN)</p><br>
<p></p>
<p><b>
JOB SUMMARY</b><br>
Responsible within assigned authority to evaluate, classify and process policy change requests (PCRs)<br>
for church and related ministry business, and complete audits on policies with audit-able premiums<br>
consistent with company established standards for growth and profitability. Provide assistance as needed<br>
to agents in resolving issues with existing policies and/or answer questions with respect to coverage<br>
existence or availability.</p><p><br>
<b>
POSITION ESSENTIAL FUNCTIONS AND RESPONSIBILITIES</b><br>
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.<br>
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential<br>
functions.</p>
<ul>
<li>Effectively process agent and underwriting policy change requests (PCRs) on current policies that<br>
are primarily of a minor to moderate complexity.</li>
<li>Assist other underwriters, within assigned authority, in the evaluation, classification and pricing of<br>
new and renewal church and related ministry accounts that are primarily of small size and/or<br>
minor complexity. Follow-up with agents to obtain information requested by other underwriters.</li>
<li>Negotiate underwriting issues with agents within established guidelines or guidance from regional<br>
underwriters.</li>
<li>Answer agent inquiries regarding our products and procedures submitted via email or the<br>
Regional Team line.</li>
<li>Appropriately document all files so that other underwriters, department and company<br>
management, and external auditors can identify and understand decisions made and actions<br>
taken.</li>
<li>Effectively prioritize and process workload to meet company service standards for agents and<br>
policyholders.</li>
<li>Accurately underwrite and process auto and worker&rsquo;s compensation policies within established<br>
guidelines and assigned authority.</li>
<li>Accurately underwrite audits on audit-able premium policies with proper follow up to agents and<br>
policyholders.</li>
<li>Accurately apply underwriting guidelines and adhere to all state and federal regulations in the<br>
completion of all work.</li>
<li>Prepare quotes and renewals for underwriters by gathering appropriate information on the<br>
Underwriting Analysis form for Underwriter review.</li>
<li>Assist Underwriting Services personnel by answering questions and supplying needed<br>
information.</li>
<li>Complete other projects as assigned.</li></ul><br>
<p><br>
<b>KNOWLEDGE, SKILLS, AND ABILITIES</b><br>
The requirements listed below are representative of the knowledge, skills, and/or abilities required to perform<br>
each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with<br>
disabilities to perform the essential functions.</p>
<ul>
<li>Demonstrated ability to meet basic math and writing competency.</li>
<li>Must have demonstrated proficiency in using computers and business software applications.</li>
<li>Must display the ability to make independent decisions on accounts of a routine or minor nature.</li>
<li>Must have strong organizational skills.</li>
<li>Must have the ability to handle difficult situations in a diplomatic manner and use negotiation skills<br>
in the resolution of underwriting and agency differences.</li>
<li>Must be able to effectively and professionally communicate both orally and in writing.</li>
<li>Must be comfortable working in a dynamic environment.</li>
<li>Must possess strong interpersonal skills and present a positive and professional image of the<br>
company.</li>
<li>Effectively interface with external contacts, Brotherhood employees, managers, and department<br>
staff members.</li></ul><br>
<p><br>
<b>EDUCATION AND/OR EXPERIENCE</b><br>
List Degree Requirement, Years' Experience, and Certifications</p>
<ul>
<li>Must have a high school diploma or equivalent.</li>
<li>Associate or Bachelor&rsquo;s degree is desired.</li>
<li>Must have one to three years of general business, insurance, or related experience.</li>
<li>AU, CISR, or other insurance related coursework is desired.</li>
<li>One to three years of Property and Casualty insurance rating systems, underwriting, or other<br>
insurance related experience is desired.</li>
<li>Customer service related experience is desired.</li></ul><br>
<p><br>
Terms and Conditions</p>
<p>
This description is intended to describe the general content of and requirements for the<br>
performance of this position. It is not to be construed as an exhaustive statement of duties,<br>
responsibilities, or requirements.</p>
<p>
Because the company&rsquo;s niche is the church and related ministries market, and because effective<br>
service requires a thorough understanding of this market, persons in this position must be<br>
familiar with church operations and must conduct themselves in a manner that will neither<br>
alienate nor offend persons within this target niche.</p>
<p>
Brotherhood Mutual Insurance Company reserves the right to modify, interpret, or apply this<br>
position description in any way the company desires. This job description in no way implies that<br>
these are the only duties, including essential duties, to be performed by the employee occupying<br>
this position. This position description is not an employment contract, implied or otherwise. The<br>
employment relationship remains &ldquo;at-will&rdquo;.</p></div>

Assistant Underwriter

MERCHANTS BONDING COMPANY

<div><p><b>Say Yes to the Best Career Opportunities</b></p><p>
Merchants Bonding Company&trade; is hiring professionals who value clarity, collaboration, and opportunities to make an impact. Our team is growing, and we&rsquo;re looking for people who thrive in a fast-moving environment built on common sense underwriting and first-class experiences. If you're ready for the next step in your career with a team that says yes to the best, this is your opportunity.</p><p>
</p><p><b>Underwriter Trainee</b></p><p><b>
Job Purpose</b></p><p>
The Underwriter Trainee evaluates commercial surety bond submissions by analyzing financial information, legal documents, indemnity agreements, and underwriting materials to assess risk within an assigned authority level. This role also builds and maintains agency relationships to grow commercial surety production, supports underwriting accuracy through research and form review, and assists with projects that strengthen workflow and operational efficiency.</p><p>
</p><p><b>Core Work Responsibilities</b></p><p><b>
Risk Analysis &amp; Underwriting</b></p><ul><li>
Review new submissions, financial statements, applications, legal documents, and bond forms to determine commercial surety risk.</li><li>
Document underwriting files and maintain supporting analysis for all decisions.</li><li>
Evaluate renewal files and approve or deny bonds within assigned authority.</li><li>
Monitor and support collection of accounts receivable for commercial surety business.</li><li>
Communicate underwriting decisions professionally through written and verbal channels.</li><li>
Production Development &amp; Agency Management</li><li>
Solicit commercial surety business by building and maintaining agency relationships nationwide.</li><li>
Engage with agencies through visits, calls, emails, and marketing tools to strengthen production.</li><li>
Follow up on commercial bonding leads to generate written premium.</li><li>
Support territory production goals through planned travel and coordinated agency engagement.</li><li>
Negotiate commission structures and underwriting terms within authority.</li><li>
Monitor agent payment issues and recommend appropriate actions to senior underwriting staff.</li></ul><p><b>
Forms, Underwriting Opinions &amp; Legislative Review</b></p><ul><li>
Research statutes and regulations to support the development of accurate underwriting opinions.</li><li>
Assist in reviewing bond forms, statutes, and rate materials to ensure proper underwriting guidance.</li><li>
Update forms, opinions, and related materials to reflect legislative changes with senior approval.</li><li>
Recommend rating or classification adjustments to strengthen competitiveness or mitigate risk.</li></ul><p>
</p><p><b>Education and Experience</b><b>:</b> Bachelor&rsquo;s degree or equivalent work experience in Business, Insurance, Finance, or Marketing, plus 0-1 years of experience in the insurance or bond industry. Knowledge of the legislative process and regulatory environment. Knowledge of the sales process as it pertains to independent agencies and insurance products.
</p><p>Able to work well with diverse groups of peers; communicate positively and respectfully; provide excellent customer service to external and internal stakeholders; strong analysis and critical thinking skills; balance workload assignments within time constraints; business acumen, and retain strict confidentiality.</p><p>
</p><p><b>Essential Functions:</b></p><p>
This associate must be able to accurately analyze detailed financial documents, analyze risk and make sound underwriting decisions. They also need to be able to travel nationwide. This associate must be able to build long-term relationships and deal with conflict.
</p><p><b>Benefits at Merchants</b></p><p>
At Merchants, we value balancing the needs of our associates and their families. We offer a wide range of benefits designed to help achieve a healthy work-life balance and support personal and professional growth. In addition to competitive pay, bonus programs, and generous paid-time off, here are a few stand-out benefits:</p><ul><li>
Flexible hybrid and remote opportunities with 37.5 hour work week</li><li>
Free health insurance option</li><li>
Paid volunteer time off with matching gift program</li><li>
Infants in the Workplace Program with family resources</li><li>
Discover more at: https://www.merchantsbonding.com/careers#Benefits
</li></ul><p><b>About Merchants</b></p><p>
For nearly a century, Merchants Bonding Company has focused almost exclusively on surety, delivering common sense underwriting and first-class experiences to agents, accounts, and associates across the country. Merchants stands apart from multi-line carriers by offering deep surety expertise, a flexible approach, and strong financials that instill confidence and foster lasting partnerships.</p><p>
Our people-first culture is built on collaboration, inclusion, and shared success. We&rsquo;re committed to helping associates grow through real opportunities for advancement, while supporting a sense of belonging.</p><p>
If you're looking to join a company that values your unique perspective, encourages new ideas, and invests in your development, apply today!</p></div>

Underwriting Trainee - Commercial Surety

Zurich Insurance

<div><p>Zurich is currently looking to hire an experienced Executive Underwriter or AVP, Underwriting Director &ndash; Zurich E&amp;S to join our E&amp;S Primary Casualty team in our Chicago, IL, Schaumburg, IL, New York City, NY, or Rocky Hill, CT office! While this position will be based out of one of those locations, you will have the flexibility to work on a hybrid basis. You will partner with your manager to set a flexible work schedule that supports you, our customers, and our brokers and agents. This role will require you to be visible in the marketplace to meet with our agents and brokers. In this role you will be working with national wholesalers to drive growth with a focus on profitability.</p><p></p><p><br>
Zurich E&amp;S is dedicated 100% to a wholesale distribution model and a product and technology strategy designed to make Zurich a market leader in E&amp;S as measured by gross written premium, profitability, and employee satisfaction!</p><p></p><p><br>
This role will be filled at either an Executive Underwriter or AVP, Underwriting Director level. The hiring manager will determine the appropriate level based upon the selected applicant&rsquo;s experience and skillset relative to the qualifications listed for this position.</p><div></div><div><br>
What you can expect in an E&amp;S Primary Casualty Underwriting position at Zurich:</div><br>
<div></div><ul><li>
You will develop and maintain relationships with broker partners and customers across all industries in support of business objectives</li><li>
You will leverage your casualty underwriting acumen across risk assessment, exposure evaluation and pricing to generate and maintain a profitable book of new and renewal business</li><li>
You will work collaboratively across business units including but not limited to; claims, finance, risk engineering, actuary, and technical underwriting while gaining extensive knowledge in a growing and innovative industry</li><li>
You will be empowered to use your market facing, negotiation and interpersonal skills to grow and develop relationships with preferred distribution partners in an assigned territory</li></ul><div><br>
<br>
Our E&amp;S Primary Casualty Underwriter is responsible for:</div><br>
<div></div><ul><li>
Serving as a customer industry advocate with a focus on improving the customer experience by understanding their risk and offering the best end to end solution for their insurance needs</li><li>
Using a disciplined approach to exposure evaluation, risk assessment and pricing</li><li>
Using risk insights, data and models to drive informed decisions at point of sale</li><li>
Market facing and production within the growing Zurich E&amp;S Casualty division</li><li>
Administering and monitoring underwriting rules and guidelines, insurance laws and regulations and rating manual rules</li><li>
Working within broad limits and authorities on highly complex assignments</li><li>
Coaching, developing and empowering junior team members.</li></ul><div><br>
Executive Underwriter &ndash; Zurich E&amp;S Basic Qualifications:</div><br>
<div></div><ul><li>
High School Diploma or Equivalent and 5 or more years of experience in the Underwriting or Market Facing area<br>
OR</li><li>
High School Diploma or Equivalent and 10 or more years of experience in the Claims or Underwriting Support area<br>
OR</li><li>
Zurich Certified Insurance Apprentice including an Associate Degree and 3 or more years of experience in the Underwriting or Market Facing area<br>
OR</li><li>
Zurich Certified Insurance Apprentice including an Associate Degree and 8 or more years of experience in the Claims or Underwriting Support area<br>
AND</li><li>
Knowledge of Microsoft Office</li><li>
Experience working on time restraints for quotes on new and renewal business</li><li>
Experience working in a team environment</li></ul><div></div><div><br>
OR</div><div></div><div><br>
AVP, Underwriting Director &ndash; Zurich E&amp;S Basic Qualifications:</div><br>
<div></div><ul><li>
High School Diploma or Equivalent and 7 or more years of experience in the Underwriting or Market Facing area<br>
OR</li><li>
High School Diploma or Equivalent and 14 or more years of experience in the Claims or Underwriting Support area<br>
OR</li><li>
Zurich Certified Insurance Apprentice including an Associate Degree and 5 or more years of experience in the Underwriting or Market Facing area<br>
OR</li><li>
Zurich Certified Insurance Apprentice including an Associate Degree and 12 or more years of experience in the Claims or Underwriting Support area</li></ul><div></div><div><br>
 Preferred Qualifications:</div><br>
<div></div><ul><li>
Bachelor&rsquo;s Degree or equivalent years of E&amp;S Commercial insurance industry experience</li><li>
Technical knowledge of Primary Casualty Underwriting with E&amp;S</li><li>
Established wholesale broker relationships (E&amp;S brokers)</li><li>
Creative problem-solving skills</li><li>
Strong verbal and written communication skills</li></ul><p></p><div><p><br>
Your pay at Zurich is based on your role, location, skills, and experience. We follow local laws to ensure fair compensation. You may also be eligible for bonuses and merit increases. If your expectations are above the listed range, we still encourage you to apply&mdash;your unique background matters to us. The pay range shown is a national average and may vary by location. The combined salary range for this position is $98,500.00 - $215,000.00. The proposed salary range for the Executive Underwriter is $98,500.00 - $165,000.00, with Global Specialty Incentive Plan bonus eligibility set at 30%. The proposed salary range for the AVP, Underwriting Director is $130,000.00 - $215,000.00, with Global Specialty Incentive Plan bonus eligibility set at 40%.</p></div><p></p><p><br>
We offer competitive pay and comprehensive benefits for employees and their families. [Learn more about Total Rewards here.]</p><p></p><p><b><br>
Why Zurich?</b></p><p>
At Zurich, we value your ideas and experience. We offer growth, inclusion, and a supportive environment&mdash;so you can help shape the future of insurance. Zurich North America is a leader in risk management, with over 150 years of expertise and coverage across 25+ industries, including 90% of the Fortune 500&reg;.</p><p></p><p><br>
Join us for a brighter future&mdash;for yourself and our customers.</p><p></p><p><br>
Zurich in North America does not discriminate based on race, ethnicity, color, religion, national origin, sex, gender expression, gender identity, genetic information, age, disability, protected veteran status, marital status, sexual orientation, pregnancy or other characteristics protected by applicable law. Equal Opportunity Employer disability/vets.</p><p></p><p><br>
Zurich complies with 18 U.S. Code &sect; 1033.</p><p></p><p><b><br>
Please note:</b> Zurich does not accept unsolicited CVs from agencies. Preferred vendors should use our Recruiting Agency Portal.</p><p></p><p><br>
Location(s): AM - Chicago, AM - New York, AM - Rocky Hill, AM - Schaumburg<br>
Remote Working: Hybrid<br>
Schedule: Full Time<br>
Employment Sponsorship Offered: No
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Linkedin Recruiter Tag: #LI-JR1 #LI-ASSOCIATE #LI-HYBRID</p></div><p></p>

Executive Underwriter or AVP, Underwriting Director - Zurich E&S

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