At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One. Job Description Analyzes and evaluates residential loan applications originated by U.S. Bank branch offices in accordance with industry and business unit standards. Gathers, analyzes and interprets all types of credit information for existing and prospective retail banking customers in order to maximize credit and minimize risk and potential loss. Develops and maintains a loan underwriting portfolio consistent with the Bank's guidelines for credit quality and Investor or Insurer standards. Approves and/or denies loans within certain limits and makes credit structure and loan eligibility decisions. Basic Qualifications - Bachelor's degree, or equivalent work experience - Five or more years of mortgage underwriting experience Preferred Skills/Experience - Advanced understanding of factors affecting real estate values and credit analysis - Good mathematical skills - Proficient computer navigation skills - Excellent verbal and written communication skills - Experience with FHA, VA, HUD, Portfolio/Non-QM, and Jumbo loans - FHA Direct Endorsement Underwriting designation - VA Staff Appraisal Reviewer (SAR) designation *This role's schedule requires working in Pacific Standard Time zone If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants. Benefits: Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following: - Healthcare (medical, dental, vision) - Basic term and optional term life insurance - Short-term and long-term disability - Pregnancy disability and parental leave - 401(k) and employer-funded retirement plan - Paid vacation (from two to five weeks depending on salary grade and tenure) - Up to 11 paid holiday opportunities - Adoption assistance - Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law Review our full benefits available by employment status here. U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. E-Verify U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program. The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $32.16 - $42.88 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. Posting may be closed earlier due to high volume of applicants.

At Freddie Mac, our mission of Making Home Possible is what motivates us, and it’s at the core of everything we do. Since our charter in 1970, we have made home possible for more than 90 million families across the country. Continue your career journey where your work contributes to a greater purpose. Must live in the NY Metro area to be considered for this opportunity. Position Overview: If you are a hard-working, motivated, and intellectually driven professional with a passion for commercial real estate (CRE) and finance, Freddie Mac Multifamily is the employer for you! The nation’s greatest and most innovative secondary market Multifamily mortgage lender and issuer of securitized fixed-income with an annual platform exceeding $70 billion is looking to add a Multifamily Underwriting Associate to its New York City team. At Freddie Mac, you will do important work to build a better housing finance system and you’ll be part of a team helping to make homeownership and rental housing more accessible and affordable across the nation. If you are an analytical team player who is interested in a multifamily commercial real estate career, please submit your application to join our exciting and dynamic organization! Our Impact: - We are responsible for underwriting multifamily conventional loans structured and quoted by our Production partners and managing the loan transaction process from quote acceptance to loan approval, commitment, rate-lock and loan purchase. - Innovate based on market behaviors while efficiently analyzing, mitigating, and clearly defining credit risk - Evaluate the overall story and make decisions based on the credit risk profile - Provide stability and liquidity to the multifamily housing market by supporting Freddie Mac’s mission-driven affordability goals Your Impact: - Build toward credit approval and closing individual mortgage loans collateralized by multifamily properties - Analyze and evaluate due diligence documentation related to sponsor, property characteristics, operating history, property inspection, market, etc. and utilize this information to develop a pro forma income and expense statement - Prepare concise, complete, and transparent Investment Briefs for loan approval and commitment and ensure accurate data quality for loan securitization - Apply company principles/policies and critical thought to complete assigned tasks accurately, completely, and in a timely manner - Collaborate and communicate with external and internal business partners to solve problems and achieve shared success Qualifications: - Bachelor’s degree in real estate, finance, economics, business administration, or related discipline. - 0 - 2 years of related work experience in the commercial/multifamily real estate industry - Knowledge of real estate property fundamentals and real estate lending/underwriting - Strong written and verbal communication skills - Demonstrated proficiency with Microsoft Excel and Word - Ability to travel domestically Keys to Success in this Role: - Multi-task/prioritize - Relationship builder, excellent collaborator, and ability to work well within a team - Harness the power of data to formulate and inform communications - Keep calm under pressure - Be comfortable with transition and change - Strong work ethic / positive attitude We consider all applicants for all positions without regard to gender, race, color, religion, national origin, age, marital status, veteran status, sexual orientation, gender identity/expression, physical and mental disability, pregnancy, ethnicity, genetic information or any other protected categories under applicable federal, state or local laws. We will ensure that individuals are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation. Freddie Mac offers a comprehensive total rewards package to include competitive compensation and market-leading benefit programs. Information on these benefit programs is available on our Careers site. This position has an annualized market-based salary range of $91,000 - $137,000 and is eligible to participate in the annual incentive program. The final salary offered will generally fall within this range and is dependent on various factors including but not limited to the responsibilities of the position, experience, skill set, internal pay equity and other relevant qualifications of the applicant.

Role Description The Underwriter is responsible for demonstrating a broad understanding of insurance principles and the underwriting process. They evaluate information/data to make decisions to accept, reject, or modify coverage within their authority level. The underwriter creates a positive customer experience by providing a high level of customer service, educating agents and policyholders on the programs and coverages offered, providing information regarding underwriting requirements, and contributing to the overall effectiveness of TWIA/TFPA by balancing stakeholder needs with the goals of the Associations. This role is remote and open to candidates residing in the United States. Essential Functions - Review and process new applications, renewals, endorsements, cancellations, and inspections to determine eligibility and insurability of applicant and property. Communicate underwriting actions to the agents. (Scheduled time approximately 65%) - Serve as contact for agents (via phone/email) and assist with coverage, rating, eligibility inquiries, and process policy transactions as appropriate. Explain coverage decisions and policy information to agents and policyholders/stakeholders. (Scheduled time approximately 25%) - Assist Enterprise with additional duties as needed, training, and project work (Approximately 10%) Qualifications - Skilled communicator: Demonstrates ability to consistently deliver accurate, clear, and concise messages orally and/or in writing to effectively inform an audience; able to be an effective active listener, to get to the root of stakeholder needs without requiring lengthy explanations. - Customer focus: Identifies customer requirements correctly, determines specific customer needs and acts proactively to ensure value-added solutions that exceed customer expectations. - Interpersonal skills: Considers and responds appropriately to the needs and feelings of others with respect, fairness, and consistency allowing for effective interactions with all stakeholders. - Adaptability and flexibility: Adapts to change, is open to new ideas, takes on new responsibilities, handles pressure, and adjusts plans to meet changing needs. - Job knowledge: Strong knowledge of insurance rules and regulations and basic underwriting principles for acceptability or rejection of risk; knowledge of building and construction terminology and techniques, and construction rating classifications to determine property and liability exposures on inspection issues. - Initiative: Effectively work independently. Completes tasks and assignments independently with minimal direction and assumes responsibilities when specific directions are lacking. - Critical thinking and analytical abilities: Approaches a situation or problem by defining the problem or issue; determining its significance; collecting data; making inferences about the meaning of the data; and using logic and intuition to arrive at conclusions or decisions; evaluates and applies information provided on applications to underwriting guidelines and coverages. - Problem solving: Gathers relevant data from several sources, arrives at effective solutions to issues and foresees problems before they arise. - Time management: Prioritization skills to ensure timely responses to stakeholders. - Computer skills: Proficiency with operating systems, email, word processing, and similar computer applications. Requirements - Bachelor’s degree or equivalent work experience. - Three (3) years of underwriting experience in the insurance industry. Preferred Education and Experience - Associate in General Insurance (AINS) designation. - Chartered Property Casualty Underwriter designation (CPCU), or demonstrated progress toward achieving the designation. - Bilingual abilities; English, and Spanish or Asian languages (such as Mandarin or Vietnamese). Physical Requirements - This position requires the ability to sit, hear, converse over the telephone, and key frequently on a computer for long periods of time. - This position may require some limited overnight travel to complete training programs, activities, and meetings.

• Build toward credit approval and closing individual mortgage loans collateralized by multifamily properties • Analyze and evaluate due diligence documentation related to sponsor, property characteristics, operating history, property inspection, market, etc. and utilize this information to develop a pro forma income and expense statement • Prepare concise, complete, and transparent Investment Briefs for loan approval and commitment and ensure accurate data quality for loan securitization • Collaborate and communicate with external and internal business partners to solve problems and achieve shared success