Job Title: Senior Mortgage Underwriter Division: Operations Location: Columbia, Mt Pleasant, Greenville, or Remote! Position Summary: Underwrites mortgage loan applications and evaluates loans in order to maximize organizational profit and minimize risk or loss. Direct Reports: None Core Responsibilities: - Underwriting - Respond to investor repurchase and quality review requests. - Support loan shipping process to clear underwriting purchase issues. - Underwrite residential loans while ensuring compliance with appropriate company and secondary market investor standards as well as compliance with lending regulations. - Render underwriting decisions and subsequent clearing conditions to ensure credit and investor guidelines are met. - Evaluate and examine transactions to ensure accuracy and completeness - Contact customers and partners to gather information to make appropriate decisions - Proactively communicate the decisions to the Residential Lending Specialists and Community Bank Partners with an explanation behind credit decision 2.Training/Help Desk - Serve as a resource to Residential Mortgage personnel on underwriting questions and provide training for investor, underwriting and compliance related issues. - Recommends modifications to underwriting procedures. - Provide training as needed to Residential Lending Specialists and Community Bank Partners as requested by Channel Manager. - Underwriting Management - Prepare formal reports for review. - Provide feedback on new investor candidates as it relates to underwriting guidelines and delivery procedures. - Coordinate third party quality control of mortgage loans and evaluate reports providing feedback concerning closed loan quality and process improvements. - Ensure that contractors are trained on investor specific eligibility requirements and guidelines. - Negotiate with third party service providers and manage contracts. - Compliance - Implement fraud detection techniques and other evaluation tools to mitigate mortgage lending risk. - Performing compliance reviews and comply with regulatory requirements - Respond to individual and investor audits - Coordinate HMDA reporting and evaluation. - Role Specific Competencies - Computer Skills - Skilled in the use of computers, adapts to new technology, keeps abreast of changes, learns new programs quickly, use computers to improve productivity. - Job Knowledge - Understands duties and responsibilities, has necessary job knowledge, has necessary technical skills, understands company mission/values, keeps job knowledge current, is in command of critical issues. - Personal Organization - Keeps information organized and accessible, maintains clean/functional work space, works systematically/efficiently, and manages time well. Minimum Requirements: - Bachelor's degree or equivalent experience - 3 - 5 years underwriting experience - DE Certification with a CHUMS number and VA LAPP Approval including FHA and/or VA underwriting experience. - Extensive knowledge of quality service discipline. - Retail banking experience. - Proven communication and customer relation skills. - Ability and desire to interact and contribute in a team environment. - Ability to use a variety of software tools.

• Review, evaluate, and classify medical, non-medical, and financial risks to determine underwriting offers on new life insurance policies. • Underwrite life insurance risks with approval authority up to $5,000,000 face amount cases. • Ensure underwriting decisions are fair, consistent, and aligned with company profitability objectives. • Maintain strict adherence to internal underwriting guidelines, SOPs, regulatory statutes, and legal/compliance directives. • Manage and process caseload in a timely and productive manner, meeting or exceeding established service standards. • Demonstrate superior competency in utilizing underwriting and new business systems, including Resonant, online reference manuals, and vendor websites. • Complete audits of underwriting decisions and processing to ensure proper mortality assessments and identify training opportunities. • Provide back-up support to the Chief Life Underwriter as needed. • Complete cosigns for Underwriter-level cases as assigned. • Develop and maintain strong working relationships with agents, sales teams, and internal and external customers. • Provide accurate and timely communication to agents via email and telephone. • Support a collaborative underwriting environment that promotes transparency and partnership. • Participate in projects, committees, and presentations as required. • Identify and recommend opportunities to improve underwriting processes and procedures. • Train and mentor team members in underwriting best practices and system utilization. • Complete five (5) or more professional development actions annually, including industry courses, seminars, or continuing education activities.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description This role is responsible for preparing initial CD's & closing CD's, and balancing Titles. - Communication: Liaises among customers (both internal and external) and escrow companies to coordinate document preparation, loan signing, funding and recording of documents. - Organization: Ensures loan files are complete with all outstanding issues addressed prior to submission for funding. - Coordination: Coordinates funding requests and follows up for required documentation and conditions for all pre- and post-closing items. - Equipment: Uses such office equipment as computer terminals, copiers and FAX machines. - Physical: Sits for extended time periods. Hearing and vision within normal ranges. - Compliance/initial CD: Works with the Lender in the process of sending the Initial CD out for signatures. - Prepares and routes closing document packages, including loan docs and escrow instructions to appropriate destinations. - Maintains document mailing/conversation log. - Identify and review problem files and take corrective action to facilitate accurate document preparation; inform manager on status of problem files, requesting assistance if necessary. - Prepares the Initial CD for the Lender to send out to the borrower for signatures. - Prepares the COC CD for any changes required by the Lender or Borrower. Qualifications - Minimum one to two years of drawing loan docs (or comparable experience). - Strong interpersonal-communication and business-relationship skills. - Detail oriented with strong organizational and follow-through skills. - Excellent analytical, written communication and verbal communication skills. - Technologically proficient. - Proven negotiating skills and forecasting capabilities. - High school diploma or equivalent. Requirements - None specified. Benefits - Comprehensive benefits package for full-time employees and their dependents, including: - Medical, dental, vision, life insurance. - Short-term disability, long-term disability. - Health Savings Account (HSA), Flexible Spending Account (FSA). - Eligible to enroll in company-sponsored benefit programs on the first of the following month after hire. - Eligible to enroll in 401(k) program after 60 days on the first of the following month. - Eligible employees may apply for job openings through PRMG’s Internal and External Job Portal. Company Description None specified.

Introduction At RPS, we don’t just embrace bold ideas, we make them happen. We’re a team of entrepreneurs, big-picture thinkers, and passionate experts who thrive on possibility. Every day, we collaborate across teams, challenge convention, and push boundaries to design innovative solutions for our clients. With access to top-rated carriers and a dynamic marketplace, we bring strategy and creativity together to deliver what others might call impossible. Here, every voice counts, every perspective matters, and every challenge is an opportunity to grow. You’ll be supported by a culture that celebrates ownership, curiosity, and high performance, where you’re trusted to do your best work and encouraged to keep learning along the way. Overview Are you ready to build meaningful relationships and make a real difference in the insurance world? As an Underwriter/Broker, you’ll focus on growing our business, maintaining strong client connections, and expanding our client base. You’ll collaborate with carrier underwriters, stay ahead of market trends, and help clients navigate complex challenges with confidence. This is a fully remote opportunity, focused on supporting business in the West. How you'll make an impact - Primary focus is to assist in servicing and operational management of accounts. - Underwrites, services, and manages assigned accounts. - Has service goals assigned and is measured on attainment of both. - Underwrites individual insurance applications to cover property and casualty with guidelines set for the issuance of policies on a standard or substandard basis. - Determines whether to accept, modify or decline a risk through evaluation of the property's value, location, usage, and safety features, and other information pertinent to the decision. - Has frequent contact with field to gather information on which to base and defend underwriting decisions. About You Here’s what you’ll bring to the role: - A bachelor’s degree and at least 3 years of related experience. - Proficiency in Microsoft Windows and Office applications. - A knack for building strong relationships with clients, carriers, and industry stakeholders. - The ability to explain complex issues in simple terms and deliver solutions that work. - A commitment to staying updated on industry developments and regulatory changes. - Prior experience working in the western region is preferred. Compensation and benefits We offer a competitive and comprehensive compensation package. The base salary range represents the anticipated low end and high end of the range for this position. The actual compensation will be influenced by a wide range of factors including, but not limited to previous experience, education, pay market/geography, complexity or scope, specialized skill set, lines of business/practice area, supply/demand, and scheduled hours. On top of a competitive salary, great teams and exciting career opportunities, we also offer a wide range of benefits. Below are the minimum core benefits you’ll get, depending on your job level these benefits may improve: - Medical/dental/vision plans, which start from day one! - Life and accident insurance - 401(K) and Roth options - Tax-advantaged accounts (HSA, FSA) - Educational expense reimbursement - Paid parental leave Other benefits include: - Digital mental health services (Talkspace) - Flexible work hours (availability varies by office and job function) - Training programs - Gallagher Thrive program – elevating your health through challenges, workshops and digital fitness programs for your overall wellbeing - Charitable matching gift program - And more... **The benefits summary above applies to fulltime positions. If you are not applying for a fulltime position, details about benefits will be provided during the selection process. We value inclusion and diversity Click Here to review our U.S. Eligibility Requirements Inclusion and diversity (I&D) is a core part of our business, and it’s embedded into the fabric of our organization. For more than 95 years, Gallagher has led with a commitment to sustainability and to support the communities where we live and work. Gallagher embraces our employees’ diverse identities, experiences and talents, allowing us to better serve our clients and communities. We see inclusion as a conscious commitment and diversity as a vital strength. By embracing diversity in all its forms, we live out The Gallagher Way to its fullest. Gallagher believes that all persons are entitled to equal employment opportunity and prohibits any form of discrimination by its managers, employees, vendors or customers based on race, color, religion, creed, gender (including pregnancy status), sexual orientation, gender identity (which includes transgender and other gender non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or military status, citizenship status, or any other characteristic protected (herein referred to as “protected characteristics”) by applicable federal, state, or local laws. Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. In addition, Gallagher 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.