underwriter

Burns & Wilcox

<div>:<div></div><div> 
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> 
<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>
Benefits:</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> 
Equal Opportunity Employer</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> 
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> 
#LI-BM1</div></div>

Associate Underwriter

HCLTech

Role- Underwriter 1Hybrid Westlake Village, CA;As a Senior Mortgage Loan Underwriter, for one of our client projects, you will bring your practical experience underwriting residential mortgage loans in accordance with GSE and internal guidelines ensuring compliance with company and investor standards. You have current, in-depth knowledge of Fannie Mae and Freddie Mac lending guidelines and understand how those relate to internal and investor guidelines. You have a thorough knowledge of complex personal and business financial analysis and expertise in tax return and balance sheet analysis. You can make timely, accurate decisions on all loan transactions.Essential Functions/Duties:o Completes a thorough analysis of loan files to determine compliance with investoro Evaluates the entire credit package and collateral for residential mortgage loans and ultimately ensures an investment quality loan product and creditworthiness of the borrowers and acceptability of the collateral. Identifies potential quality loans to be held in portfolio if secondary market guidelines cannot be met.o Verifies the accuracy of all calculations.o Maintains a working knowledge of secondary market underwriting guidelines, private investor and private mortgage insurance guidelines.o Assists with maintaining compliance with all applicable federal, state and local laws, regulations and ordinances by abiding by compliance program and all policies, procedures, rules and regulations.o Assists in the development of underwriting standards.o Helps loan processors, giving general guideline interpretations and answering questions on specific loan files.o Responds to post closing review and quality control audits in a timely fashion.o Multi-tasking, high volume, available to be flexible and work weekends as needed.Preferred Education &amp; Experience:o 5 years of Processing experience and 5+ years of Underwriting experienceo Excellent organization and analytical skills required.o Excellent written and communication skills required.o High School Diploma or GED equivalent required, some college preferred, College degree desired.o Intermediate to computer proficiency skills with MS Office, Excel and Mortgage Loan Applications/Software) Encompass 360 desired.o Ability to multi-task, prioritize and function in a high-volume, fast-paced environment.o Adaptability and acceptance to change.Experience:5 years of Processing experience 5+ years of Underwriting experienceEducation:o High school or equivalent (Required)HCLTech is an equal opportunity employer, committed to providing equal employment opportunities to all applicants and employees regardless of race, religion, sex, color, age, national origin, pregnancy, sexual orientation, physical disability or genetic information, military or veteran status, or any other protected classification, in accordance with federal, state, and/or local law. Should any applicant have concerns about discrimination in the hiring process, they should provide a detailed report of those concerns to secure@hcltech.com for investigation.A candidate&rsquo;s pay within the range will depend on their work location, skills, experience, education, and other factors permitted by law. This role may also be eligible for performance-based bonuses subject to company policies. In addition, this role is eligible for the following benefits subject to company policies: medical, dental, vision, pharmacy, life, accidental death &amp; dismemberment, and disability insurance; employee assistance program; 401(k) retirement plan; 10 days of paid time off per year (some positions are eligible for need-based leave with no designated number of leave days per year); and 10 paid holidays per year.Pay and Benefits Pay Range Minimum: $75,000 annually Pay Range Maximum: $80,000 annuallyJob Types: Full-time, ContractPay: $75,000.00 - $85,000.00 per yearBenefits:<ul><li>401(k)</li><li>Dental insurance</li><li>Paid time off</li><li>Parental leave</li></ul>Education:<ul><li>Bachelor's (Preferred)</li></ul>Experience:<ul><li>Fair Housing Regulations: 1 year (Preferred)</li><li>Underwriting: 5 years (Required)</li></ul>Work Location: Hybrid remote in Westlake Village, CA 91361

Mortgage Underwriter

Brotherhood Mutual Insurance Company

<div>Job Title: Assistant Underwriter

FLSA Status: Non-Exempt

Job Family: Underwriting

Department: UW - Data &amp; Quality

Location: Corporate Office (Fort Wayne, IN) 


JOB SUMMARY 
Responsible within assigned authority to evaluate, classify and process policy change requests (PCRs) 
for church and related ministry business, and complete audits on policies with audit-able premiums 
consistent with company established standards for growth and profitability. Provide assistance as needed 
to agents in resolving issues with existing policies and/or answer questions with respect to coverage 
existence or availability. 

POSITION ESSENTIAL FUNCTIONS AND RESPONSIBILITIES 
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. 
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential 
functions.
<ul>
<li>Effectively process agent and underwriting policy change requests (PCRs) on current policies that 
are primarily of a minor to moderate complexity.</li>
<li>Assist other underwriters, within assigned authority, in the evaluation, classification and pricing of 
new and renewal church and related ministry accounts that are primarily of small size and/or 
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 
underwriters.</li>
<li>Answer agent inquiries regarding our products and procedures submitted via email or the 
Regional Team line.</li>
<li>Appropriately document all files so that other underwriters, department and company 
management, and external auditors can identify and understand decisions made and actions 
taken.</li>
<li>Effectively prioritize and process workload to meet company service standards for agents and 
policyholders.</li>
<li>Accurately underwrite and process auto and worker&rsquo;s compensation policies within established 
guidelines and assigned authority.</li>
<li>Accurately underwrite audits on audit-able premium policies with proper follow up to agents and 
policyholders.</li>
<li>Accurately apply underwriting guidelines and adhere to all state and federal regulations in the 
completion of all work.</li>
<li>Prepare quotes and renewals for underwriters by gathering appropriate information on the 
Underwriting Analysis form for Underwriter review.</li>
<li>Assist Underwriting Services personnel by answering questions and supplying needed 
information.</li>
<li>Complete other projects as assigned.</li></ul> 
 
KNOWLEDGE, SKILLS, AND ABILITIES 
The requirements listed below are representative of the knowledge, skills, and/or abilities required to perform 
each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with 
disabilities to perform the essential functions.
<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 
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 
company.</li>
<li>Effectively interface with external contacts, Brotherhood employees, managers, and department 
staff members.</li></ul> 
 
EDUCATION AND/OR EXPERIENCE 
List Degree Requirement, Years' Experience, and Certifications
<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 
insurance related experience is desired.</li>
<li>Customer service related experience is desired.</li></ul> 
 
Terms and Conditions

This description is intended to describe the general content of and requirements for the 
performance of this position. It is not to be construed as an exhaustive statement of duties, 
responsibilities, or requirements.

Because the company&rsquo;s niche is the church and related ministries market, and because effective 
service requires a thorough understanding of this market, persons in this position must be 
familiar with church operations and must conduct themselves in a manner that will neither 
alienate nor offend persons within this target niche.

Brotherhood Mutual Insurance Company reserves the right to modify, interpret, or apply this 
position description in any way the company desires. This job description in no way implies that 
these are the only duties, including essential duties, to be performed by the employee occupying 
this position. This position description is not an employment contract, implied or otherwise. The 
employment relationship remains &ldquo;at-will&rdquo;.</div>

Assistant Underwriter

SageSure

<div>Overview:

If you're looking for the stability of a profitable, growing company with the entrepreneurial spirit of a startup, we're hiring. SageSure, a leader in catastrophe-exposed property insurance, is seeking a Commercial Underwriter who is analytically minded, hands-on and a self-starter who has a deep understanding of commercial businessowners coverage and risk. This individual will make risk decisions based on a thorough analysis of exposures using various underwriting tools. The daily activities including the handling of new business risk referrals, underwriting renewals, reviewing, and making decisions from reports (property inspections/loss reports), all with customer centric agency interaction.

What you'd be doing:
<ul>
<li>Review new and renewal business from our referral system.</li>
<li>Approve or deny requests to bind.</li>
<li>Review property inspection reports and take appropriate underwriting action.</li>
<li>Handle and manage phone calls and written inquiries from agents and referrals from support vendors.</li>
<li>Regularly analyzes market conditions to learn and understand the coastal states commercial insurance environment we serve.</li>
<li>Uses knowledge of the insurance industry to recommend innovation and/or new product or service offerings.</li>
<li>Communicate with IT to resolve agency system related issues.</li>
<li>Deep understanding of commercial insurance practices and regulations to analyze risk eligibility, evaluate prior incurred claims, and make appropriate risk-based decisions using sound underwriting judgement.</li>
<li>Demonstrate successful agency and broker management, including building, maintaining, and managing producer and customer relationships.</li>
<li>Complete ad-hoc projects as assigned.</li>
</ul>
We're looking for someone who has:
<ul>
<li>Minimum four (4) to six (6) years' underwriting experience in commercial lines</li>
<li>Must demonstrate a strong working knowledge of commercial line underwriting procedures and insurance coverage.</li>
<li>Demonstrated ability to interpret and analyze data and make an informed, calculated risk decision.</li>
<li>Exceptional verbal and written communicator</li>
<li>Customer service orientated.</li>
<li>Thrives in a fast-paced, changing environment.</li>
<li>Comfortable with working under minimal supervision</li>
<li>Possess a strong work ethic and can work individually or as part of a team.</li>
<li>A college degree or equivalent experience and education</li>
<li>Experience working directly with customers, insurance producers, and agents.</li>
<li>Experience working with insurance software and MS Office Suite.</li>
</ul>
Highly preferred candidates also have:
<ul>
<li>Bachelor's degree in related field.</li>
<li>Insurance industry designations.</li>
</ul><div>
About SageSure: 
 
Named among the Best Places to Work in Insurance by Business Insurance for four years in a row (2020-2023), SageSure is one of the largest managing general underwriters (MGU) focused on catastrophe-exposed markets in the US. Since its founding in 2009, SageSure has experienced exceptional growth while generating underwriting profits for carrier partners through hurricanes, wildfires, and hail. Available in 16 states, SageSure offers more than 50 competitively priced home, flood, earthquake, and commercial products on behalf of its highly rated carrier partners. Today, SageSure manages more than $1.9 billion of inforce premium and helps protect 640,000 policyholders. 
 
SageSure has more than 1000 employees working remotely or in-office across nine offices: Cheshire, Connecticut; Chicago, Illinois; Cincinnati, Ohio; Houston, Texas; Jersey City, New Jersey; Mountain View, California; Marlton, New Jersey; Tallahassee, Florida; and Seattle, Washington. 
 
SageSure offers generous health benefits and perks, including tuition reimbursement, wellness allowance, paid volunteer time off, a matching 401K plan, and more. 
 
SageSure is a proud Equal Opportunity Employer committed to building a workforce that reflects the spectrum of perspectives, experiences, and abilities of the world we live in. We recognize that our differences make us strong, and we actively seek out diverse candidates through partnerships with organizations, institutions and communities that represent various backgrounds. We champion belonging and inclusion for all identities, including, but not limited to, race, ethnicity, religion, sexual orientation, age, veteran status, ability status, gender, and country of origin, striving to create a culture where all individuals feel valued, respected, and empowered to bring their authentic selves to work. 
 
Our nimble, highly responsive culture nurtures critical thinkers who run toward problems and engineer solutions. We relentlessly pursue better outcomes by investing in the technology, talent, and tools that position us to succeed in demanding markets. Come join our team! Visit sagesure.com/careers to find a position for you.</div></div>

Commercial 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. 
 
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> 
 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> 
 
Role overview: 
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. 
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. 
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> 
Role responsibilities: 
<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> 
New Business: 
<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: 
<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: 
<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: 
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: 
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

University Federal Credit Union

<div>Senior Mortgage Loan Underwriter

Job Summary

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.

The Mortgage Underwriter reports to the Manager, Mortgage Underwriter.

About UFCU

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 empowering our Members to achieve financial success and build brighter futures. 
 
 
In pursuit of our aspiration that UFCU is loved by millions of Members and built to thrive for generations, we are guided by our values:

Purposefully Member-Obsessed

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.

Possibilities Reimagined

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.

Performance Excellence Rooted in Unwavering Integrity

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.

Essential Functions
<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> 


Other
<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> 


Knowledge/Skills/Abilities
Knowledge
<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> 


Skills
<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> 


Abilities
<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> 


Competencies
<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> 


Experience

Minimum Requirements
<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> 


Physical Demands

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.

Frequent
<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> 


Work Environment

The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job.
<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>

Senior Mortgage Underwriter

Savings Bank Of Mendocino County

<div>Job Title: Commercial Loan Underwriter
Department: Credit Administration
Reports To: Manager of Commercial Underwriting
FLSA Status: Exempt
Salary Grade: 22
Starting Range: $73,071.00 - $90,264.00 DOE
Our starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.
<h1 class="jobSectionHeader">SUMMARY</h1>
Are you a motivated and high performing individual who has strong people, organizational skills, and a desire to work at a local business dedicated to meeting the financial needs of its customers, validating the investment of its shareholders, and investing its time, money, and expertise to support worthy causes throughout Lake and Mendocino Counties? Savings Bank of Mendocino County has proudly been serving the needs of our communities since 1903 and is seeking a qualified professional for the role of Commercial Loan Underwriter in the Credit Administration Department. This position involves performing detailed credit analysis and underwriting of Commercial &amp; Industrial (C&amp;I) and commercial real estate (CRE) loans. This role emphasizes evaluating operating companies, analyzing business cash flow, and structuring credit facilities that support growth while managing risk.
The ideal candidate has four or more years of experience in a credit analyst or equivalent position. A successful person in this role is organized; detail oriented; personable; has strong time management skills; and is comfortable interacting with a broad range of individuals, including customers, executive officers and third-party companies. Savings Bank is excited to add to our team of individuals seeking to fulfill the Bank&rsquo;s vision of Investing in the future as your local independent bank, committed to the prosperity of our communities, employees and shareholders.
<h1 class="jobSectionHeader">ESSENTIAL JOB FUNCTIONS &amp; RESPONSIBILITIES</h1>
To perform this job successfully, an individual must be able to perform each essential job function satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
<div><ul><li>Performs in-depth financial analysis of operating companies, including review of financial statements, tax returns, and borrower/guarantor cash flow.</li></ul>
<ul><li>Recommends loan structures, collateral, covenants, and risk ratings consistent with internal policy.</li></ul>
<ul><li>Works closely with commercial lenders to clarify borrower needs and guide deal structure.</li></ul>
<ul><li>Prepares clear, concise credit memoranda for new requests, renewals, and modifications.</li></ul>
<ul><li>Underwrites Commercial &amp; Industrial (C&amp;I) and commercial real estate (CRE) loans, including owner-occupied and investment properties.</li></ul>
<ul><li>Conducts annual reviews and ongoing risk assessments for CRE relationships.</li></ul>
<ul><li>Monitors covenant compliance, financial reporting, borrowing bases (if applicable), and early warning indicators.</li></ul>
<ul><li>Supports portfolio analysis, stress testing, and concentration management activities.</li></ul>
<ul><li>Ensures underwriting and loan structures comply with internal credit policies, regulatory standards, and safety-and-soundness expectations.</li></ul>
<ul><li>Maintains complete documentation in credit systems and participates in internal audits or regulatory exams as needed.</li></ul>
<ul><li>Exercises individual loan approval authority up to an assigned limit and participates in joint approvals or credit committee reviews for larger or more complex credits.</li></ul>
<ul><li>Additional duties as assigned depending on department needs.</li></ul>
</div><h1 class="jobSectionHeader">MINIMUM QUALIFICATION</h1>
<ul><li>Four (4) years&rsquo; experience in a credit analyst or commercial lending position
<ul><li>Degree in Finance, Accounting, or Economics, or related field may substitute for years of experience
</li></ul></li></ul><h1 class="jobSectionHeader">PREFERENCES</h1>
<ul><li>Previous experience as a Commercial Loan Underwriter</li>
<li>Bachelor&rsquo;s Degree in Finance, Accounting, or Economics, or related field
</li><li>Completion of formal commercial credit training</li>
</ul><h1 class="jobSectionHeader">JOB COMPETENCIES</h1>
<ul><li>Fostering Communication: Understands underlying needs, motivations, emotions or concerns of customers and staff; and communicates effectively.</li>
<li>Attention to Detail: Proofreads and edits personal work and that of others, for proper grammar, spelling, and overall readability; ensuring that work has been done according to procedures and standards.</li>
<li>Problem Solving: Identifies problems and alternate solutions, considering applicable precedents; and evaluates the effectiveness of solutions after implementation.</li>
<li>Analytical Thinking: Analyzes and synthesizes information to understand issues, identify options, and support sound decision making.</li>
<li>Initiative: Deals with situations and issues proactively and persistently, seizing opportunities to go above and beyond.</li>
<li>Quality Focus: Follows all policies and procedures set by the Bank; consistently meets quality standards set by the Bank; seeks opportunities for improvement.</li>
<li>Fraud Detection and Control: Employs appropriate techniques and procedures for identifying, reporting, and preventing fraud.</li>
<li>Teamwork: Works collaboratively with others to achieve organizational goals.</li>
<li>Product &amp; Technical Knowledge: Understands the products and services provided.</li>
<li>Time Management: Organizes and prioritizes tasks to maximize efficiency.</li>
<li>Career Development and Coaching: Shares knowledge with other employees; mentors others on how to perform work tasks</li>
<li>Collaboration: Recognizes, values, and leverages the unique perspectives, experiences, and talents of every individual; promoting fairness and belonging throughout the organization.</li>
</ul><h1 class="jobSectionHeader">POSITION BENEFITS</h1>
<ul><li>Competitive, market-based pay</li>
<li>Comprehensive insurance benefits package including medical, dental, vision and more</li>
<li>401(k) plan with maximum 6% employer match</li>
<li>Profit Sharing plan</li>
<li>Generous paid time off plans</li>
<li>Employee Health and Wellness program</li>
<li>Community volunteer opportunities</li>
<li>Career development and training opportunities</li>
</ul><h1 class="jobSectionHeader">EQUAL EMPLOYMENT OPPORTUNITY</h1>
Savings Bank of Mendocino County is an Equal Opportunity Employer and employment selections are based on merit, qualifications and abilities. Savings Bank of Mendocino County will consider all qualified applicants for employment and does not discriminate in employment opportunities or practices on the basis of: age, race, religion, color, sex, national origin, sexual orientation, gender identity, protected veteran, disability, or any other status protected by law.
<h1 class="jobSectionHeader">PHYSICAL &amp; MENTAL DEMANDS</h1>
The physical and mental demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
This position is set in a quiet, office environment. The position is generally regarded as light work. Exerting up to 20 pounds of force occasionally, and/or up to 10 pounds of force frequently, and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects, including the human body. While performing the duties of this job, the employee may be required to alternately stand, walk, sit, reach with arms, talk or hear and use hands to write, type, and handle or feel objects, tools or controls. The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading. Some driving may be required.
Employee must possess the ability to read, write, perform basic math functions, understand basic communication and instructions, carry out instructions, complete basic problem-solving and analyzing of information, and make independent decisions within scope of responsibility.
A post-offer physical is not required for this position.</div>

Commercial Credit Underwriter

Search 60+ Underwriter jobs near you this March. New roles added regularly across leading industries. Apply today.