Company Description STCU is consistently rated one of the top-performing credit unions in the nation, and has been named one of Fortune Magazine’s Great Places to Work. We look for employees who have a strong desire to serve others, are lifelong learners, are committed to working hard, have a fun-loving attitude, and who want to make a difference in our members’ lives. We love people who share our core values: Joyfulness, generosity, belonging, goodness, and striving. We believe in being a force for good in the community, while helping members achieve their financial goals and dreams. STCU offers excellent benefits: - Paid time off plus 11 paid holidays! - Medical, dental, vision and life insurance - Training and career development - Success sharing plan - 401(k) matching contributions - Tuition reimbursement An overview of the benefits can be found here or here: https://stcu.org/here-for-good/about-stcu/careers/benefits Salary range: $40.82 to $56.04 per hour Job Description The Senior Home Loan Underwriter is responsible for analyzing and rendering home loan lending decisions consistent with STCU policies, STCU product details and secondary market investor guidelines. As a senior level position, this role works independently while also providing mentorship and support to other roles as needed. Core Job/Requirements/Outcomes - Demonstrate full proficiency and knowledge of home loan underwriting guidelines and maintain compliance with all regulatory standards by staying up to date on all applicable agency rules, investor guidelines and STCU product guidelines. - Determine borrower ability to repay and, property and program eligibility by reviewing and analyzing income documentation, asset documentation, credit reports, appraisals, AVMs, title reports, etc. as well as validating AUS findings. - Ensure alignment with STCU’s risk-tolerance standards and portfolio quality by applying strong problem-solving, sound judgment, and rigorous scrutiny to analyze the suitability of exception requests and complex loans—such as construction and jumbo loans—and recommend approval or denial as appropriate. - Maintain compliance with the department business plan by meeting applicable service level agreements and established production goals for number of loans underwritten. Other Essential Functions - Act as a senior member of the underwriting team by providing key feedback, mentoring and training to loan officers, processors and other underwriters when needed. - Serve as a representative of the Home Loan underwriting team in various STCU projects, committees and/or CI initiatives - Complete various on-going third-party training requirements as needed to maintain knowledge or as assigned by VP of Home Loan Underwriting. - Contribute to the development of STCU's culture and strategic vision; the achievement of organizational goals; and support and emulate the STCU Core Values. - Exercise strong communication skills by communicating loan decisions effectively and timely within established standards. Qualifications Education: High school diploma or equivalent required...Bachelor’s Degree in business, finance or related field or equivalent combination of education and experience preferred. Certifications: MBA Certified Residential Underwriter (CRU) and FHA Direct Endorsement (DE) designations are preferred. Job Experience: Minimum of five years of independent mortgage underwriting experience required. Prior experience in government underwriting is highly preferred. Software Skills: Previous experience with loan origination software is required. Proficient knowledge of working with an AUS system and operating in a paperless environment required. Knowledge of Encompass is preferred. Proficient knowledge of MS Office programs including Outlook, Word, Excel and Teams. Other Skills: Knowledge of policies, procedures and established processes to support compliance requirements. Physical Demands: Must be able to regularly talk, hear and operate a computer, keyboard and mouse and occasionally lift, pull/push and carry up to 10 pounds with accommodations. Work Conditions: Position requires that you are able to work remotely efficiently. Exposure to constant or intermittent sounds at a low or moderate level consistent with an office setting. Exposure to high-stress, fast-paced, deadline-oriented environment. Other: Perform additional duties as assigned for the efficient operation of the department and the organization. This includes the possibility of being assigned temporarily to other locations. Additional Information Ready to apply? Click on I'm interested!

Role Description The Excess Casualty Underwriter will review and analyze underwriting data in order to determine if risks meet underwriting standards for Crum & Forster’s Umbrella/Excess suite of products. This role is to be in our Northeast territory (preferably in the New York/New Jersey/Pennsylvania area) with potential for hybrid Office/Remote capabilities. - Underwrite XS Casualty accounts via the wholesale channel – preparing quotes & binders for new and renewal business. - Provide customer service to existing accounts & broker relationships. - Market, sell and promote company products and programs to wholesale brokers. - Assist in developing annual business plans, analyze and evaluate results for assigned producers. - Attain premium, hit ratio and profitability goals as assigned. - Keep abreast of industry market trends, competition, products and distribution systems. Qualifications - College degree or equivalent preferred and CPCU designation a plus. - At least 2-5 years of combined experience in either underwriting or brokering of Commercial Umbrella/Excess Casualty business. - Strong relationships with wholesale casualty brokers in the Northeast/Boston. - Excellent problem solving & decision making skills. - Strong verbal and written communication skills. - Ability to work independently on your own book of business but also be a team player within the Surplus & Specialty division. - Excellent organizational and time management skills with the ability to prioritize various tasks as appropriate in a fast paced underwriting environment. - Solid customer service and relationship building skills. - Demonstrated desire and commitment to continually learn, accept new challenges, and strive for personal improvement/growth utilizing internal and external continuing education avenues. - Ability to learn and use proprietary software and various computer systems and stay current with operational changes. - Travel as necessary to broker marketing visits and corporate meetings/seminars. - Will abide by departmental policies and procedures, including authority levels, to comply with C&F's risk management controls. Benefits - Flexible work arrangements. - Competitive compensation package. - Generous 401K employer match. - Employee Stock Purchase plan with employer matching. - Generous Paid Time Off. - Excellent benefits that go beyond health, dental & vision. Our Wellness programs focus on your family’s complete wellness, including your physical and mental wellbeing. - A core C&F principle is that you manage your career. To support your development, we have a wealth of ways for you to keep learning, including tuition reimbursement, industry related certifications and professional training available to you. - A dynamic, ambitious, fun and exciting work environment. - A spirit of social responsibility, matching donation program, volunteer opportunities, and an employee driven corporate giving.

• Assist underwriters in reviewing property insurance applications and supporting documentation • Perform risk analysis using internal tools, guidelines, and third-party data sources • Participate in file audits, underwriting meetings, and training sessions • Support team with data entry, document management, and administrative tasks • Collaborate on special projects or presentations related to underwriting strategies

• Lead and develop a team of underwriters, setting clear goals and supporting their growth in a fast-paced environment • Drive operational improvements across underwriting workflows using automation, analytics, and AI-powered tools • Improve underwriting efficiency and decision quality through scalable processes and playbooks • Partner with Product, Engineering, and Data teams to design and implement next-generation underwriting capabilities • Evaluate complex commercial risks and guide the team on pricing, coverage decisions, and portfolio management • Establish underwriting standards and best practices as Nirvana expands its non-fleet insurance offerings • Monitor portfolio performance and identify opportunities to improve profitability, growth, and customer experience