• Manages assigned Specialty underwriting team and enforces the Specialty Unit guidelines and procedures • Demonstrates extensive expertise in territorial underwriting nuances, encompassing a thorough understanding of legal frameworks, regulatory landscapes, and region-specific challenges • Proactively assesses the impact of evolving legislation and market dynamics to ensure strategic and compliant decision-making within diverse territorial contexts • Models smart and effective underwriting practices for individual accounts, all lines of business, and different classes within the Specialty Unit • Implements strategies to address challenges to profit and drive that message throughout the underwriting unit • Monitors progress of underwriters’ assigned agents and guides underwriters and agents in achieving annual goals while driving them to match price to quality across the book of business • Seeks feedback from agents and takes action to improve their experience and grow profitable books of business • Engages with regional offices and collaborates with assigned underwriters to oversee existing agency relationships while cultivating new partnerships that drive profitability and restore underperforming or low-growth relationships • Conducts meetings and educational sessions with agents to enhance their understanding of EMC products, underwriting criteria, systems, and services, fostering the generation of high-quality new business opportunities • Partners with sales and marketing to deliver exceptional customer experiences, enhance underwriting responsiveness, and position EMC as the preferred insurer • Oversees and monitors the workload and performance of assigned underwriting team • Develops team expertise and works with UW leadership in succession planning, including identifying talent and implementing development plans for critical positions • Collaborates with team members to establish performance goals and monitors status • Conducts reviews and provides coaching • Interviews, hires, and recommends salary adjustments for team members • Identifies training needs and works with UW & Program leadership to provide training for team and encourages continuing education and ongoing quality improvement • Supports diversity and inclusion initiatives • Fosters an innovative culture, including supporting new ideas and providing guidance on potential changes • In collaboration with Business Unit, Regional Middle Market leadership, and Finance leadership, develops, monitors, and maintains the budget for assigned region • Establishes and oversees budgetary goals and controls, ensuring underwriting strategies align with business objectives • Analyzes past financial data to predict future expenses and identifies areas for cost reduction • Monitors team to ensure that underwriters operate within set guidelines, authority limits, rate goals, and branch service directives while matching price to quality across the book of business • Performs audits on new business and renewals for compliance and quality.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description The SBA Underwriter II will assist the lender with their SBA Loan request by preparing a pre-assessment for eligibility, borrower checklist, lender checklist, document collection, spreading the tax returns and other financial documents, and preparing a Credit Summary for SBA Eligibility. The Credit Summary for SBA Eligibility is written in compliance with the SBA SOP and lender loan policy and guidelines. The Credit Summary is reviewed for quality control prior to forwarding to the lender. Position Responsibilities - Prepare, review, and analyze the creditworthiness of all applicant’s loan requests by spreading company and personal financial statements. - Manage loan applications, assist various Lenders, Banks, and Credit Unions with their borrowers by communicating via email and phone to determine if the loan is a candidate for the SBA Loan Program. - Inform Lender of the SBA guidelines for loan structure maximum rate and term depending on the loan requested. - Assist lender in preparing the sources and uses of the loan request. - Review construction budget, inventory list, FF&E costs estimate/invoices, purchase agreements, debt refinance analysis, business acquisition/partner buyout, and working capital needs. - Prepare a collateral table to assess the adequacy of all business assets and apply the SBA liquidation percentage to result in the net value for the assets. - Conduct a Business Overview to discuss the business description and history, locations, products/services, business model, management, succession plan, competition, vendors, define market area, customer base, strengths, and weaknesses of the business. - Compare business NAICS and Franchise to Coleman statistics and FRAN data for trends and success rates of the business or franchise. - Spread historical and projected financial documents to determine cash flow and repayment to show the applicant meets SOP guideline for DSC of 1.15x or better. - Analyze projection assumptions for reasonableness in obtaining the level of sales and net profit. - Determine the projected break-even and what if scenarios. - Discuss RMA Common Size ratios in comparison to the borrower’s revenues and expenses. - Analyze and spread affiliate businesses to show these entities will not be a strain on the applicant/borrower. - Analyze the principals’ and guarantors’ personal financial statement, personal tax returns and credit report. - Prepare a global cash flow and rate sensitivity spreads to determine the business and its affiliates meet the SOP guideline for DSC of 1x. - Spread historical balance sheet to compare with the common size ratios of RMA. - Prepare a pro-forma balance sheet to show how the transaction will affect the balance sheet. - Discuss the current and debt to tangible net worth ratios and compare to RMA ratios. - SBA 7a eligibility requirements include size standard analysis or alternate size standard analysis to show the applicant and its affiliates meets the SBA determinates for the Small Business. - If applicable, review CAIVRS that check for delinquent Federal debt and prior loss to the Federal Government. - Obtain Sam.gov reports for the business, for all principals, affiliate businesses, broker/agent, LSP employees and SBA Lender to show none of these entities are debarred from conducting business with the Federal Government. - Work with the Underwriting Team daily to improve the underwriting process and Lender/Borrower experience with Windsor Advantage. - Work with the packager/closer team for a smooth hand-off of the borrower to the next level in the SBA Process (submission and closing). - Assist in screen-out responses, credit addendums, and memos to the file as needed. - Support and help implement organizational initiatives. - Ensure the security and confidentiality of private customer information. - Exercise discretion and work independently to make judgments with respect to matters of significance. Qualifications - Bachelor’s Degree in Finance or Accounting; or other related area; or equivalent relevant experience. - Minimum 3 years of commercial loans and/or SBA/USDA loan experience. - Recent underwriting experience in a high-volume environment with full knowledge of the lending requirement, regulations, and procedures for conventional, SBA and USDA loan programs preferred. Technical Knowledge and Skills - Understanding of SBA Loan Programs and knowledge of eligible and ineligible loan requests. - Understanding of credit analysis to include sources and uses of proceeds, source of equity injection, collateral analysis, applicant financial analysis of repayment ability, spread of pro-forma business balance sheet, financial ratio benchmarks, working capital adequacy, business and industry overview to include management qualifications/experience, and affiliate cash flow analysis. - Strong verbal and written communications skills. - Must be a creative thinker and proactive problem solver with a history of working efficiently and effectively, meeting deadlines, and following projects through to completion. - Must be organized and detail oriented. - Strong computer skills; including a working knowledge of Microsoft Office Suite as well as knowledge of computer systems as they relate to commercial lending activities preferred. Compensation - Base Salary Range: $65,000 - $95,000 annually. - This role will include a yearly annual target bonus based on individual and company performance. Working Arrangements - This is a 100% remote role. Benefits - Join a growing company with a culture that fosters an entrepreneurial spirit. - Comprehensive benefits package including Medical, Dental, Vision, Company Paid Life Insurance, Disability Insurance, and more! - Company Contributions to your 401k - Regardless of your contribution. - Employee Recognition Program, Commuter Benefits, Employee Banking Discounts and much more! - Generous Paid Time Off and Paid Holidays.

• Continue to refine and execute the underwriting strategy for Excess Casualty, aligning with ICW Specialty’s multi-year growth objectives • Ensure marketplace is clear on appetite, product design, and distribution strategy across middle market and large account segments • Build a profitable portfolio that aligns with the strategic business plan, goals and objectives • Identify opportunities for continued product innovation and differentiation, including niche industries, emerging risks, and new solutions for wholesale brokers • Represent ICW Specialty externally with brokers, clients, and reinsurers; act as a thought leader and brand ambassador in the marketplace • Gather pertinent competitive and market information to assist in developing recommendations to evaluating new business and product development • Oversee underwriting execution across all accounts, ensuring adherence to guidelines, pricing adequacy, and governance controls • Manage portfolio performance with accountability for profitability, risk selection, and portfolio balance (by industry, geography, attachment, and limits) • Identify trends, emerging risks, and opportunities for improvement or innovation • Partner with actuarial, claims, and reinsurance colleagues to maintain strong analytics, pricing discipline, and portfolio insights • Ensure compliance with regulatory requirements, underwriting audits, and corporate governance standards • Build, manage, and mentor a team of underwriters and underwriting assistants, fostering an environment of learning, accountability, and empowerment • Set clear performance goals, provide coaching and development, and hold team members accountable to underwriting excellence • Model and reinforce a culture where accountability, collaboration, inclusion, and innovation thrive • Actively recruit and retain top underwriting talent, with a focus on diverse perspectives and growth mindset • Work closely with IT, Operations, and Finance to design and optimize the underwriting tech stack, workflow efficiency, and data capture • Serve as a bridge between the underwriting team and broader ICW Specialty leadership, ensuring transparency, alignment, and shared accountability

• Maintain positive, results-driven relationships with assigned distribution partner(s); provide feedback and data on distribution specific performance. • Manage, coach, and develop underwriting staff. • Timely resolution of escalated cases; work with underwriter through to completion. • Collaborate with distribution partner(s) and Technical Underwriting Lead to identify areas for improvement; develop training/mentoring plans for internal and external groups as appropriate. • Educate agents on complex medical and financial concepts to help improve placement rates.