• Oversees day‑to‑day operations of the Underwriting & Portfolio teams, including all Account Executives and Commercial Underwriters. • Performs full managerial duties, including hiring, performance evaluations, coaching, discipline, and staff development. • Ensures prudent, efficient underwriting by reviewing credit narratives and approving transactions within delegated authority limits. • Manages department‑level reporting exceptions and establish debtor credit limits exceeding individual approval authority. • Maintains compliance with credit quality standards, including revenue targets, funding ratios, approval ratios, and portfolio performance metrics. • Manages credit origination scorecards and approval authorization levels. • Develops, documents, and maintains departmental policies and procedures; ensure periodic reviews and proper application of risk ratings. • Utilizes CID and related systems to guide and oversee all facets of the underwriting process. • Collaborates with BDOs and Revenue leaders to structure proposal letters and provide final approval for all proposals issued; support training of BDOs alongside the Revenue leadership team. • Partners with Revenue leadership to support sales alignment and funding objectives. • Works with Collections, Asset Management, and Legal to develop strategies for resolving distressed, delinquent, or troubled accounts. • Collaborates with the Data Analytics team to develop portfolio reporting, monitor origination trends, and refine credit origination metrics. • Coordinates responses to internal and external auditor requests and ensure compliance with documentation and reporting requirements. • Other duties as assigned.

• Leads the strategic direction, ownership and execution of the overall underwriting operational strategy for the casualty and casualty large accounts portfolios at enterprise level. • Oversees the development of the underwriting philosophy, policy, forms, products and programs and directs communication in corporate office and to branch office staff. • Analyzes the performance of EMC’s existing book of business on a monthly and quarterly basis, and proactively provides strategic recommendations for improvement, expansion, or discontinuance to executive management. • Ensures the achievement of continued profitability, growth, and operational efficiency for casualty lines of business and casualty large accounts business segment through development of risk appetite, assessment of risk exposures and controls, and emerging risk issues. • Collaborates with other corporate underwriting departments on the strategy and appetite for the department and company as a whole. • Directs the development and implementation of strategic and operational company objectives to help achieve company's growth and profitability goals. • Leads and manages enterprise-wide operational consistency, integrity and oversight of casualty lines of business and casualty large accounts. • Actively participates in all aspects of effective quality control assessments, including conducting new and renewal account audits, monitoring casualty large accounts analysis, and action plans. • Builds culture and develops team members while overseeing corporate casualty and large accounts underwriting teams. • Collaborates with team members to establish performance goals and monitors status, conducts performance reviews, and provides coaching. • Develops team expertise and completes succession planning, including identifying talent and implementing development plans for critical positions. • Manages budgeted resources by anticipating expenditures, accurately forecasting resource needs/costs and properly accounting for expenses to meet requirements and achieve fiscal responsibility. • Acts as a strategic partner to branch offices on casualty and casualty large accounts related matters. • Provides overall direction for underwriting authority delegation and recommends changes to casualty and casualty large accounts authority levels when warranted. • Provides guidance and direction to the team in the development of underwriting and training tools at branch and enterprise level. • Reviews escalated issues when requested by the team. • Works closely with branch partners to lead efforts to grow profitable business. • Acts as an expert from underwriting and business perspective to assist branches and agents in successfully marketing and underwriting new and existing accounts.

• Design, develop, and deliver training programs for title agents, Realtors, and internal staff, from introductory to advanced levels • Facilitate training through in-person, virtual, group, and one-on-one formats • Partner with business leaders to identify learning needs and align training solutions with business goals • Present complex real estate, title, and settlement concepts in a clear, practical, and engaging manner • Evaluate training effectiveness using learner feedback, performance outcomes, and training metrics • Continuously improve and standardize training content to ensure consistency and scalability • Serve as a trusted educator and mentor, helping learners apply training in real transaction scenarios • Travel as needed to deliver training to remote or regional audiences • Educate learners on underwriting standards, guidelines, and risk considerations related to title insurance

• Supports underwriting protocols and standards to manage risk • Performs pre-underwriting analysis for contracts • Reviews assigned cases and maintains relationships for information sharing • Assists in underwriting procedures review • Organizes medical requests and monitors financial information • Defines administrative processes for managing workflows • Observes underwriting associates and assists with underwriting activities • Compiles information on third party vendors