Does it ever feel like you’re underwriting with one hand tied behind your back? Tired of the struggles and inefficiencies associated with legacy systems and processes? Spending too much of your time and energy navigating corporate politics? All leaving your efforts to innovate and deliver underwriting excellence languishing? At Ledgebrook, we believe a career in underwriting can be so much more. You bring the passion and entrepreneurial spirit; we’ll provide the platform to unleash the very best of your talents and skills. Together, we’ll celebrate and reward success! Are you intrigued? Then read on and apply now to advance your career at Ledgebrook. About the Role The mission of our PL Renewal Underwriter role is focused on building a profitable book of Renewal business. Ledgebrook’s vision is to deliver market relevant solutions to our key wholesale trading partners in a more frictionless environment that places an emphasis on efficiencies and quality to meet or exceed our broker’s overall needs in a risk differentiated manner. If you possess an entrepreneurial passion that includes a proven track history of delivering underwriting excellence and are seeking an opportunity to break out of the traditional insurance company mold, we’re looking for you! As a member of the Ledgebrook team, you will regularly interact with our wholesale trading partners over the phone, virtually and in-person to drive in-appetite submission flow and convert on the best opportunities quoted. We are looking for disciplined underwriting candidates that possess a strong overall professional liability background with experience across multiple industry lines of business including Misc, E&O, Allied Healthcare. We are flexible with both a candidate’s experience level and physical work location. The actual position title (Underwriter, Senior UW, AVP, etc.) will be dependent on a candidate’s specific experience and qualifications. We currently operate in a fully remote work environment, so we’re more focused on your experience and cultural fit than where you physically sit! About you Here at Ledgebrook we’re passionate about creating a team that thrives on continuous learning and shares our excitement about building a company from the ground up. We’re looking for people to join us with: - A passion for delivering world-class customer service to our internal and external customers - Intellectual curiosity and a strong desire for innovation, rather than following the status quo - A hunger for continuous learning and opportunities to grow - Agile prioritization skills coupled with a keen sense of urgency - we balance getting it right with getting it done right now - A strong drive and desire to win together as a high-performing team - A moral compass to "do the right thing, period." We have zero tolerance for toxic behaviors - An eagerness to actively participate and connect with the whole team, across remote locations - An honest, transparent communication style - A proactive, solution-oriented mindset. We don’t look for blame, we look for the solution Requirements As a future PL renewal Underwriter, your experience and qualifications must include: - 2+ years of underwriting experience, including experience underwriting Professional Liability renewals, preferred but not required - Experience working with admitted and non-admitted paper. - Proven ability to manage a renewal portfolio while maintaining strong broker relationships within the wholesale distribution channel. - Deep understanding of pricing, risk selection, and coverage structuring to achieve profitable underwriting results. - Strong analytical skills with the ability to leverage data and portfolio insights to inform underwriting decisions. - Excellent communication skills with the ability to clearly articulate Ledgebrook’s underwriting appetite and value proposition to broker partners. - Ability to work both independently and collaboratively in a fast-paced, entrepreneurial environment. - Demonstrated problem-solving ability and sound underwriting judgment when evaluating complex risks. - Strong customer service orientation with a responsive and solutions-focused approach to broker relationships. - Intellectual curiosity and comfort operating in a dynamic, growth-oriented environment. - Ability to make timely underwriting decisions with appropriate information and consultation. - Strong entrepreneurial mindset and desire to build and win as part of a high-performing team. - Willingness to travel as needed to meet with brokers, attend industry conferences, and participate in team events. Important - only for candidates applying from the U.S.: Please note: This position is open only to candidates who are authorized to work in the United States without the need for current or future employer-sponsored work authorization. We are unable to offer visa sponsorship at this time. Benefits - Competitive salary and meaningful equity ownership - Health Insurance 100% employer-paid option available - Additional benefits available include 401k plan, dental, vision & other options - Remote work, flexible hours - Unlimited time off policy

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description An established mortgage banker is seeking an experienced DE/VA Mortgage Underwriter to join its team. Please note both designations are required for consideration. We’re looking for a collaborative underwriter who thrives on engaging with the origination team and is comfortable picking up the phone to ensure clear communication and accurate loan decisions. VA LAPP/SAR must be active in order to be considered. - Evaluate mortgage loan applications to ensure compliance with company policies and federal/state regulations - Analyze borrower financials, credit reports, and property appraisals to determine eligibility - Assess risk and provide thorough loan decisions with clear explanations and conditions - Collaborate closely with processors, loan officers, and stakeholders to resolve questions and expedite the process - Stay up-to-date with industry trends, guidelines, and best practices Qualifications - Active DE and VA underwriting certification required - Must have used DE and VA designation within the last 11 months - Minimum 5 years of residential mortgage underwriting experience - Proven history of longevity in prior roles (average tenure, no frequent job changes) - Strong understanding of FHA, VA, Conventional, Non-QM, and Jumbo products - Experience with Encompass strongly preferred - Excellent analytical, organizational, and problem-solving skills - Strong communication skills and ability to collaborate effectively in a team environment Benefits - Salary: $85,000 – $105,000 per year - Exempt role (no paid overtime) - Discretionary bonus - Full benefits package including: - Medical, Dental, Vision, Life Insurance - 401(k) with employer contribution - Paid vacation and sick time Company Description Please note that National Mortgage Staffing does not determine the salary, requirements, or qualifications for this role. We are contractually required to follow the criteria set forth by our clients. Thank you for your interest! If your background aligns with our clients needs, one of our Recruiters will reach out. Please check your spam folder and voicemail for messages from our recruiters. Unfortunately, due to high volumes of applicants, we may not be able to respond to those who are not a fit. If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.

Reporting to the Manager, Processing, the Loan Processor will ensure the timely and accurate packaging of all loans originated by our loan officers and lender clients. Responsibilities also include assisting Credit Analysts with the credit approval and monitoring process by gathering financial and credit information with a focus on credit quality and overall risk management. This role will also prepare spreadsheets and other underwriting tools to be used in the credit analysis, annual reviews, monthly compliance reports and other related documents on existing and prospective clients. Job Functions and Responsibilities: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. - Gather information and take each file from pre-approval to closing. - Input proper loan information into the system for processing. - Responsible for ensuring that all loan documentation is complete accurate verified and complies with company policy. - Verify loan documents including income credit appraisal and title insurance ultimately preparing application for submittal to underwriting. - Review file documentation and make sure all items needed are requested. Order and coordinate loan documents. - Meet crucial deadlines requested. - Communicate with borrowers, fellow employees and clients in a manner that shows sensitivity, tact, and professionalism - Contact each borrower in a timely manner to introduce yourself and go over the process and items needed - Read and understand appraisals, AUS findings, title and credit reports; - Utilize basic business math to calculate income, assets, taxes and monthly insurance - Understand rules regulations, policies and/or procedures along with investor guidelines - Maintain current knowledge about the industry, market trends, competitive position, etc. - Strive to achieve and exceed productivity expectations and standards - 'Pre-underwrite' loan files, assuming what conditions may be needed prior to the file being underwritten by the underwriter. - Develop Policies and Procedures and best practice checklists - Work closely with vendors and conduct training as needed Qualifications: To perform this job successfully, an individual must have the following education and/or experience: - High school diploma, GED, equivalent certification, or military experience - Minimum 5 years of recent experience as Loan Processor is required - Read, interpret and apply applicable laws, rules, regulations and/or policies and procedures - Demonstrate interpersonal, organizational and time management skills - Accurately document all information pertaining to accounts - Knowledge of the laws governing access to public and private records - Strong computer skills; Must be able to move through the LOS system and other programs - Time management: Knowing the cut-off times for funding and underwriting so that the file moves smoothly and does not lose a rate lock. - Knowledge of GFE, APR, interest rates and disclosure/re-disclosure time lines - Ability to operate in a fast paced environment - Perform any additional duties/activities assigned or needed by the business Training / Licensing Requirements: - Must pass the Company’s Background Screening process prior to beginning employment. Additionally, as a condition of employment, you may be required to pass client-specific background check requirements or Federal/State licensing requirements, if applicable. The salary range for this position is expected to be $56,000 to $58,500 per year, depending on geographic location, experience, and other qualifications of the successful candidate. This position is also eligible for bonus based on performance and subject to the terms of the Company’s applicable plans. #PHH Onity Group Inc. is a leading non-bank mortgage servicer and originator providing solutions through its primary brands, PHH Mortgage and Liberty Reverse Mortgage. PHH Mortgage, a subsidiary of Onity Group Inc., has been providing mortgage lending and servicing solutions since 1984 and is dedicated to maintaining responsible and ethical practices while delivering an exceptional customer experience. PHH offers industry-leading mortgage solutions for the entire mortgage lifecycle, including correspondent lending, MSR/Co-Issue, subservicing, commercial servicing, reverse mortgages and portfolio retention. We are one of the largest subservicers of residential mortgages in the United States and one of only two servicers in reverse mortgage lending. At Onity Group Inc., we consistently deliver on our commitments to customers, clients, investors and colleagues through caring service, integrity and creative solutions. This Service Excellence philosophy is embraced by meeting service standards we call CARE, which stands for Caring, Accurate, Responsive and Empowered. We expect all employees to interact and engage our colleagues and our customers with respect, courtesy and professionalism, and to achieve results consistent with our CARE standards. Onity Group Inc. is intensely focused on hiring, developing and retaining the best talent in the industry! Our commitment to Diversity, Equity & Inclusion ensures that we sustain our reputation as an outstanding place to work, a great business partner and a valued community member. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status. If you have a disability or special need that requires accommodation, please let us know. Onity Group Inc. offers a comprehensive benefits package including medical, dental and vision; up to 3% match on 401(k) contributions; generous paid time off; company-paid life, accident and disability coverage; programs for mental, physical and financial wellness; and more. Visit jobs.onitygroup.com for details.

• Responsible for executing the Go‑to‑Market Pharmacy strategy by leading account‑level pricing, rate development, and customer negotiations in partnership with Sales across a complex pharmacy book of business. • Manages an assigned book of pharmacy business with accountability for profitable growth, persistency, and earnings performance. • Conducts case‑specific risk assessments and develops account‑level pricing strategies. • Leads rate development and customer negotiations in collaboration with Sales for complex pharmacy accounts. • Develops, executes, and monitors account plans to drive growth and profitability. • Analyzes market trends and competitive dynamics to deliver strategic recommendations on pricing and product positioning. • Influences underwriting best practices and provides consultative input to matrix partners on product development and pricing strategy. • Serves as a subject matter expert (SME) supporting Medical Underwriting teams and broader stakeholders.