The Credit Underwriter OE is a developing professional role. This role identifies policy and applies specialty knowledge in monitoring and assessing processes and data. Integrates established disciplinary knowledge within own specialty area with basic understanding of related industry practices. Good understanding of how the team interacts with others in accomplishing the objectives of the area. Develops working knowledge of industry practices and standards. Must be able to exchange information in a concise and logical way as well as be sensitive to audience diversity. Limited but direct impact on the business through the quality of the tasks/services provided. Impact of the job holder is restricted to own team. Responsibilities: - Reviews loan submissions for credit judgment and credit worthiness, documentation, ability to pay calculations, loan to value calculations and other functions relating to the credit decision process of the field network. - Handles resubmissions on amended loan request, respond to phone inquires regarding decisions made, policy questions and aid in training various visitors that come to Home Office Credit. - Approves subordination agreements - Other duties as assigned - Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency. Qualifications: - 0-2 years related experience - excellent analytical and problem solving skills Education: - Bachelor’s/University degree or equivalent experience This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. ------------------------------------------------------ Job Family Group: Risk Management------------------------------------------------------ Job Family: Credit Risk------------------------------------------------------ Time Type: Full time------------------------------------------------------ Primary Location: Telecommuter North Carolina United States------------------------------------------------------ Primary Location Full Time Salary Range: $67,880.00 - $94,720.00 In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire. ------------------------------------------------------ Most Relevant Skills Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.------------------------------------------------------ Other Relevant Skills For complementary skills, please see above and/or contact the recruiter.------------------------------------------------------ Anticipated Posting Close Date: Mar 17, 2026------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster.

Why Deephaven Mortgage? Deephaven Mortgage has been a pioneer and leader in non-QM since our origin in 2012. Our longevity and strength in the non-QM space has allowed a significant number of borrowers to achieve homeownership who otherwise would not have under traditional requirements. Deephaven champions mortgage borrowers whose independence, entrepreneurial drive and determination are often the very reason they cannot qualify for a traditional loan. We continuously and responsibly innovate new mortgage products and programs that put homeownership within reach of millions of borrowers and investors that need and deserve financing through lending ingenuity that is supported by common-sense underwriting. Deephaven is comprised of two lending platforms. Our wholesale channel offers loans through a network of over 1,000 independent mortgage brokers. Our correspondent channel buys loans from over 200 correspondent partners. Deephaven’s headquarters are in Charlotte, North Carolina. To learn more about our innovative loan solutions please visit www.deephavenmortgage.com or email us at info@deephavenmortgage.com. Job Overview In this role, you will be responsible for evaluating mortgage loan applications that fall outside traditional Qualified Mortgage (QM) guidelines. You will assess borrower risk based on alternative documentation, ensure compliance with company policies and investor guidelines, and play a key role in decision-making for loan approvals. This role is remote with ability to work from any state in the U.S. What You’ll Do - Manually underwrite mortgage loan transactions submitted by our Correspondent and Wholesale lending clients to company and investor credit guidelines - Perform quality control audits of our third-party vendor to ensure mortgage loans meet all company and investor credit guidelines and requirements - Review loan scenarios and communicate purchase/funding eligibility requirements to our Correspondent and Wholesale lending clients - Collaborate with internal staff (e.g., Underwriters, Account Managers, Processors, Closers, Operations Management, etc.) of our correspondent lending clients, brokers and third party-vendors throughout the review process to clear purchase/funding eligibility conditions. - Work closely with processing staff to clear loan conditions throughout the process - Assist in handling loan-level credit and compliance questions & issues and in the preparation and dissemination of updated mortgage underwriting and compliance standards and procedures - Analyze loan applications and conduct financial due diligence to assess the creditworthiness of borrowers and the risk associated with the loan - Evaluate multi-family properties to determine their market value, condition, and potential for generating rental income - Review financial statements, rent rolls, and property operating data to ensure that the property’s income can cover loan payments and expenses - Collaborate with account executives, clients and stakeholders to gather necessary information and provide feedback on loan applications - Recommend loan structuring and terms that mitigate potential risks while meeting the needs of borrowers and lenders - Make informed decisions about whether to approve, deny, or modify loan applications based on comprehensive analysis and risk assessment Job Requirements - Recent, hands-on non-QM underwriting experience is required, including, but not limited to: - DSCR - Bank Statement (personal & business) - P&L–only qualification - Asset Depletion - Multi-family - Experience underwriting HELOCs and 2nd mortgages strongly preferred - 5+ years of experience as an underwriter - Ability to manually calculate income across all non-QM programs, including complex self-employed borrower profiles, layered income sources, and variable cash flow - Demonstrated ability to independently review and clear: - Title commitments & supporting documentation - Appraisal reports (including complex or unique property types) - Full condo project reviews (warrantable, non-warrantable, new construction, and small projects) - Proficiency in Encompass, with the ability to navigate workflows, analyze documentation, and manage conditions efficiently - High-volume underwriting background, managing 50+ initial underwrites per month while maintaining quality, accuracy, and fast SLAs - Strong understanding of non-QM guidelines, investor overlays, compensating factors, and risk layering - Excellent communication skills with the ability to clearly document decisions and collaborate with sales, processors, and closers - Strong critical thinking, independent decision-making, and problem-solving skills - Commitment to loan quality, compliance, and responsible lending Privacy Policy This organization participates in E-Verify Our Perks Flexible Time to Recharge – Personalized Time Off for What Matters (because rest isn't one-size fits all) Future Finance Focused – Generous employer-matched 401(k) plan Community Connect– Philanthropy Committee that creates charitable initiatives Health from Day One – Comprehensive health insurance starting on day one of employment Family Matters – Competitive maternity and paternity leave Culture & Celebrations – Culture Committee with team-building events and celebrations Ideas Welcome – Encouraging thought leadership and innovation Guidance & Growth – Mentorship opportunities for career development Perk Up – Exclusive discounts on travel, tech, pets, legal, and more

Company Details Berkley Mid-Atlantic Group (BMAG) is a property and casualty insurance provider serving the Mid-Atlantic. We are a member of W. R. Berkley Corporation, one of the largest commercial lines property casualty insurance holding companies in the United States. With the resources of a large Fortune 500® corporation and the ability to operate with the closeness and flexibility of a small company, we exclusively work with select independent agents to insure the future of business. Our culture is one that empowers employees to question the status quo and seek innovative ways to continue to exceed the expectations of our customers. We practice collaboration, creativity, and teamwork on a daily basis, with a commitment to innovation and high performance. Company URL: https://www.wrbmag.com/ The company is an equal opportunity employer. Territory: Eastern Pennsylvania Responsibilities Strategic Technical Underwriting - Independently underwrite complex middle market risks across multiple lines of business, including Property, General Liability, Auto, and Umbrella, and Workers’ Compensation, with a focus on profitability and alignment with underwriting appetite. - Apply advanced risk assessment techniques and industry knowledge to evaluate exposures, structure coverage solutions, and make sound underwriting decisions. - Collaborate with internal partners such as Loss Control, Claims, and Actuarial to incorporate technical insights into account-level strategies. - Maintain a high standard of underwriting discipline, documentation, and compliance with regulatory and internal guidelines. - Monitor market trends, emerging risks, and competitive positioning to inform underwriting approach and contribute to product refinement. - Serve as a technical resource to peers and contribute to continuous improvement of underwriting practices through knowledge sharing and feedback. Enterprise Portfolio Management & Internal Collaboration - Oversee performance of a multi-regional or national book of business. - Analyze portfolio trends and emerging risks to inform strategic decisions. - Collaborate with actuarial, finance, and product teams to develop pricing and segmentation strategies. - Lead quarterly business reviews and contribute to enterprise planning. - Partner closely with BMAG and other WRB companies to share market intelligence, align on product development opportunities, and identify enterprise-wide solutions. Sales & Distribution Execution - Actively engage with agents and brokers to drive new business production and retention within the middle market segment. - Conduct in-person and virtual sales calls, articulating the company’s value proposition and underwriting appetite. - Identify and pursue cross-sell and up-sell opportunities in collaboration with distribution partners. - Deliver customized solutions by leveraging product knowledge and aligning offerings with client needs. - Participate in industry events, agency meetings, and client presentations to build visibility and strengthen relationships. - Track and analyze producer performance to inform territory strategies and drive targeted outreach. - Collaborate with internal stakeholders (e.g., Marketing, Product, Loss Control) to support field initiatives and enhance market competitiveness. Success Factors: - Strategic thinker with a bias for action and innovation. - Influential leader who inspires trust and drives change. - Deep understanding of market dynamics and competitive positioning. - Passionate about talent development and underwriting excellence. - Collaborative mindset with a strong enterprise orientation. Qualifications - Bachelor’s Degree or equivalent industry experience and training. Advanced professional insurance designations (CPCU, CIC, etc.) preferred. - 7+ years of commercial lines sales and underwriting experience with extensive knowledge of industry practices, trends, and a proven sales track record. - Strong interpersonal relationship skills, effective communication skills necessary to build rapport, add value and effectively problem-solve with agency partners, principals, producers, and staff. - Valid driver’s license for travel - Strong technical acumen in commercial insurance sales and underwriting, and the ability to apply it to effectively interact with internal departments to meet customer needs and solve customer issues. - Solid understanding of agency prospecting, planning, incentives, and agency performance accountability. - Strong written and verbal communication skills. - Self-motivated and able to work independently with minimal supervision, delivering results for agencies and the company. - Working knowledge and familiarity with assigned territory, agencies, and competitors is preferred. - Ability to travel as needed within the territory; overnight stays may be occasional. Additional Company Details We do not accept any unsolicited resumes from external recruiting agencies or firms. The company offers a competitive compensation plan and robust benefits package for full time regular employees. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. Sponsorship Details Sponsorship not Offered for this Role

• Responsible for the evaluation and placement of insurance risks for the purpose of determining the best product/premium solution • Typically manages larger, more complex cases • Maintains primary ownership of cases during the underwriting process • Responsible for setting agent/advisor expectations appropriately • Provides an exceptional service experience throughout the process • Researches additional, complex insurance options as needed • Acts as a partner with sales and producers to formulate the best solution for the proposed insured • Negotiates to secure the most competitive offer for placement of policy with the appropriate carrier • Assesses risk and negotiates cases with producers and carriers • Conducts regular proactive case follow-ups via phone and email • Organizes and prioritizes workload to ensure case is processed in a timely manner • Prepares or reviews underwriting summaries for carrier review • Represent company at industry conferences and events • Provides on-going underwriting training to junior staff underwriters and concierge • Carries a caseload of 125-175 larger and more complex cases