This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description We’re hiring experienced Mortgage Underwriters to support our broker channel and help drive high‑quality, compliant loan decisions. This role focuses on reviewing loan files, assessing risk, and ensuring alignment with FHA, VA, and Conventional guidelines. - Underwrite FHA, VA, and Conventional loans with accuracy and speed - Review credit, income, assets, and full loan documentation - Partner with loan structure and income teams to finalize approvals - Underwrite 2–3 initial files and 6–8 final approvals daily (volume dependent) - Ensure compliance with investor and agency standards (FHA, HUD, VA, IRRRL, SAR, TrumsID) - Issue timely approval/denial decisions and resolve outstanding conditions Qualifications - Strong mortgage underwriting experience (FHA preferred) - Deep understanding of agency/investor guidelines - Ability to work within a structured, end‑to‑end underwriting workflow - Strong communication and documentation review skills - 5+ years of mortgage underwriting experience required - Solid knowledge of mortgage underwriting and of basic automated underwriting systems - Proficiency with basic automated underwriting systems Requirements - Must have RECENT experience in the last 2 years of Underwriting - Remote - certain state restrictions Benefits - Medical, dental & vision - Critical Illness, Accident, and Hospital - 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available - Life Insurance (Voluntary Life & AD&D for the employee and dependents) - Short and long-term disability - Health Spending Account (HSA) - Transportation benefits - Employee Assistance Program - Time Off/Leave (PTO, Vacation or Sick Leave) Job Type & Location This is a Contract to Hire position based out of Houston, TX. The pay range for this position is $31.25 - $31.25/hr. Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following: Workplace Type This is a fully remote position. Application Deadline This position is anticipated to close on Mar 18, 2026.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description The Associate Underwriter within designated authority utilizes basic underwriting techniques to evaluate and price new business and renewal applications in order to determine acceptability in accordance with corporate guidelines and standards. The Associate Underwriter will also accurately enter policy information, process endorsements, audits and other policy transactions and refer them to a staff member with a higher authority level when appropriate. This position’s objective is to support the team goals of writing profitable new business and retaining profitable renewals while ensuring excellent customer service. - Perform routine selection, evaluation, and pricing of all assigned risks, following established procedures, for policies for all lines of commercial insurance. - Review basic new and renewal business requests and determine acceptability, using appropriate Encova, state specific and industry rules, policies, procedures, guidelines, etc. - Perform new business set-up and rating, including obtaining additional information needed to develop a new business quote and/or proposal. - Issue and assemble policies, effectively utilizing industry rules and guidance to ensure proper policy construction. - Process endorsements, cancellations, declinations, and reissues of policies, following appropriate rules, policies, procedures and guidelines. - Field routine agency service requests, referring more complex issues to the team’s mentoring underwriter and/or Regional Vice President. - Ensure accurate and timely servicing of accounts. - Maintain user knowledge of internal systems and any available rating programs. - Successfully complete transactions such as supplemental underwriting reports, MVRs, financials, surveys, agency transfers, statement of values, and driver list follow-ups within assigned authority and refer risks to commercial underwriter that do not meet guidelines. Qualifications - High school diploma required. - Two years’ experience in a professional business or insurance environment preferred. - Bachelor’s Degree from an accredited college or university is preferred and may substitute for experience. - Preference may be shown to applicants who have previous commercial lines underwriting experience. Requirements - Critical thinking: Ability to assess an individual situation and select applicable alternatives from an array of options, resulting in the most appropriate and sustainable decision. - Working knowledge of the state specific underwriting laws and rules and their application to the book of business. - Working knowledge of underwriting principles and practices, risk selection and classification. - Working knowledge of the operational policies and procedures. - Ability to multi-task several assignments simultaneously while meeting established guidelines. - Results-oriented with strong decision-making, analytical and problem-solving skills. - Ability to work effectively within a team environment. - Ability to adjust priorities based on changing situations. - Ability to communicate effectively. - Ability to establish and maintain effective working relationships with others to achieve objectives. - Proficient in Excel. Benefits - Health, Dental & Vision Insurance - Company-provided life and income protection plans - Eligibility to participate in a company incentive bonus program - 401(k) Retirement Plan - 100% company match up to 7% on annual salary - Paid Time Off, Paid Holidays, and Floating Holidays - Flexible Work Arrangements - Hybrid and remote depending on the role

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description This role involves examining all prospective bank-owned, corporate-owned and corporate-sponsored, individually-owned life insurance policies. You will assess and analyze a bank or company's risk profile and case design to determine the appropriate underwriting offer, coverage, term and conditions. - Independently assess applications for guaranteed issue, simplified issue, or regular issue, making informed decisions based on underwriting criteria. - Underwrite lives on a medical basis as needed, utilizing expertise to accurately assess risk. - Analyze financial statements, SEC 10-K and 10-Q filings, and FDIC reports to inform underwriting decisions and risk assessments. - Evaluate and determine the insurable interest of organizational structures, making independent recommendations based on findings. - Lead the evaluation and approval of plan design modifications, ensuring alignment with company policies and market needs. - Understand and apply reinsurance treaty terms. - Make decisions that uphold compliance and mitigate risk. - Continuously update and apply in-depth knowledge of underwriting guidelines, making independent judgments in complex cases. Qualifications - Series 6 - Series SIE - A minimum of three years experience in corporate-owned life and corporate-sponsored insurance underwriting. Requirements - Knowledge of plan design structures of both corporate owned and corporate sponsored policies. - Knowledge of complex financial statements. - Knowledge of reinsurance – both automatic and facultative. - Knowledge of regulatory issues and market conditions. - Knowledge of medical underwriting. - Ability to evaluate risk. - Excellent verbal and written communication skills. Benefits - Medical/dental/vision insurance. - Life insurance. - Short and long term disability coverage. - Paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date. - Nine paid holidays. - 8 hours of Lifetime paid time off. - 8 hours of Unity Day paid time off. - 401(k) with company match. - Company-paid pension plan. - Business casual attire.

At EMC, we’re all about working together to make an impact. As part of our team, you’ll have the opportunity to grow, contribute, and gain experience that matters. We strive to be caring leaders, close partners, and responsive experts—always supporting each other to do our best work. Join us, and let’s improve lives together. **Ideal candidate will be located in North Dakota or Minnesota ** **Candidates that exceed the minimum qualifications may be considered for a higher level position.** Essential Functions: - Maintains and grows a profitable book of business for assigned middle market territory adhering to underwriting authority. Evaluates accounts for risk selection and pricing purposes. - Analyzes exposure, company and region risk appetite, account premium and loss history, financial data, line(s) of business, price guidance, motor vehicle records, online sources of information, reports from Premium Audit or Loss Control and other relevant information to underwrite policies. Offers appropriate coverage, terms and conditions for exposures. - Develops and fosters agency relationships. Educates agents on EMC products, underwriting appetite, systems, and services. - Visits agencies to discuss accounts and provide agents with updates at EMC. Collaborates with marketing representatives to ensure agents receive excellent customer experiences, responsiveness, and select EMC as their insurer of choice. - Effectively communicates risk acceptance and/or rejection decisions to agents. - Collaborates with experienced underwriters to continue to develop understanding of company and regional risk appetite. Consults experienced underwriters to ask questions and gain understanding in underwriting best practices. - Participates in the agency planning and review processes with marketing and regional management. Monitors progress of assigned agents and guides agents in achieving annual goals. Education & Experience: - Bachelor's degree, preferably in insurance or business administration, or equivalent relevant experience - One year of experience in commercial lines underwriting or related experience - Insurance designations, such as AINS, AU, CIC, or CPCU preferred Knowledge, Skills & Abilities: - Strong analytical, decision-making, and negotiating skills - Strong problem-solving skills and the ability to make sound decisions - Strong customer service skills - Ability to work effectively with others, as well as independently - Ability to maintain high standards of professional competence - Strong computer skills, including knowledge of Microsoft Office and social media - Ability to work on multiple projects while meeting deadlines - Strong written and verbal communication skills - Occasional travel; a valid driver’s license with an acceptable motor vehicle report per company standards required if driving The hiring salary range for this position will vary based on geographic location, falling within either of the following: $60,813 - $84,038 or $67,200 - $92,395A hiring range represents a subset of the full salary range. The actual salary will depend on several factors, including relevant education, skills, and experience of an applicant, geographic location, and business needs. For information relating to the benefits EMC Team Members receive as part of a comprehensive rewards package, please visit www.emcins.com/careers. Our employment practices are in accordance with the laws that prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws. All of our locations are tobacco free including in company vehicles.